{"metadata":{"transaction_key":"deprecated","request_id":"019da894-f305-7ea3-a975-109b3898ea30","sha256":"74eaa26d5fce97e8878948d9e7ff816fdc33c7e3e1290f5bdc5ee39a19331bbb","created":"2026-04-20T01:50:30.946Z","duration":1054.152,"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":4381,"output_tokens":118},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4880,"output_tokens":4890},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4880,"output_tokens":341}},"results":{"channels":[{"alternatives":[{"transcript":"Tommy calling from Oakview Financial. Good morning, Lynn. It's Tommy here from Oakview Financial. How are you doing today? Great to hear. Great to hear. I'm one of the senior advisers. I was just giving you a call to go through some insurance quotes that Kyle put together for you if you still have a bit of time for me. Perfect. Just usual process, are you okay for this call to be recorded? Awesome. And we don't have a security question on file. Are you okay to confirm your date of birth and address, please? Amazing, Lynn. Thank you. And I'm registered with Asic as adviser one 273105. Now, Lynn, I'm looking through the notes from Kyle. I had a bit of a chat to him, and he's currently away at the moment. So I just wanted to jump at this chance to go through these reductions with you just to get the prices down for the insurances. He does have some notes here just looking to reduce the risk of the super as well. So there's two main things to focus on at the moment. Is that right? Perfect. Perfect. So we're putting together a bit of an updated plan on the risk reduction, and I have these quotes back. Now are you pretty familiar with all of the insurances that you do have currently with AIA? That's okay. I will put together with the updated advice. I'll put together a review pack for you, and that's gonna include your certificates of currency so you know what the policy is currently sitting at. Now I'll give you a bit of an easy breakdown here. So you you're paying quite a lot in insurances. Your premiums are quite high. Obviously, age is a factor as well. Now you have all four main covers. So you have life insurance, total disability, income protection, and trauma. Do those ring a bell? Yep. Perfect. So the main ones out of pocket, they're looking quite high because you're paying them out of pocket on a monthly basis. So there's a couple of people on the policy in addition to yourself. You do have, like, family protection, which includes it's Samuel and Sarah. Yep. That's it. Now those family protection portions for $16,000 each, they're only a dollar 62 a month, so I'm not too concerned about those. Now it's the trauma portion of it that's a bit concerning because it's a 166,000 of critical illness. So if you get diagnosed with a heart attack, stroke, cancer, here's a bit of a lump sum, as well as a multitude of other conditions you can be diagnosed with from organ failure, blindness, all that kind of thing. So anything that doesn't fit within a death or total disability kind of fits into this one. Now the premium for it, however, is $229 a month out of pocket. Yeah. Now we did a couple of quotes. The the one that really stands out to me is if you dropped it from a 160,000 to a 100,000 flat, it goes from $2.30 a month to $1.40. So that's a like for like kind of 40% reduction in covering cost. And that, I guess, sounds a little bit more reasonable, but I'm guided by you on what you can afford. How does that sound? Correct. Both family protections remain the same. It's just the one 60 six and the 100. Yep. Correct. Okay. So yeah. $2.02 29 down to $1.40. Yep. Absolutely. And the cool thing with reductions is you don't have to go through underwriting, so there's no additional health checks to reduce cover. It's only if you're trying to increase or get new cover. Yep. Yeah. The standard we usually range it between 100,000 and 200,000 depending on age and affordability. So I think a 100 I do a lot of a $100,000 quotes, which is, you know, partners can spend a bit of time looking after you if you have a heart attack. You can pay for private private not health cover, but private treatment, which is a lot faster. So it's it's definitely a good one, and the average that you need is between one to two hundred. Yep. Now when it comes to health side of things, we did do some research to try and find some cheaper providers, especially for the cover that's paid through your super. The only thing that I can note was that you had the somewhat recent diagnosis of the iliotibial band syndrome for the, I think, the knees. Yep. So based on that, I probably wouldn't switch providers necessarily because the new policy, full underwriting, you'd probably get, like, a a a specific knee exclusion on that part of your body that you don't currently have on your AIA policy. But when it comes to the reductions, we had some reduction quotes for the super cover as well, which was basically the last thing I wanted to run you through. So when it comes to the life disability and income protection, you have just under 1,100,000 of life insurance and total disability, which that's your lump sum cover. Pass away, can never work again, a bit more than 1,000,000 plus your super on top. Now I think the mortgage car noted down was under 400,000 now. Around 5. Alright. So let's say in that scenario, you have the mortgage paid off plus half $1,000,000 plus your super there. Now that combined is just under 4,000 coming out of the super per year. I did look at, with Kyle, some reductions to 850,000 and a reduction to 750,000. Now going down to the 750,000 brings it from about 4,000 to about $222,300. So that's a pretty decent savings there, but it's not your most expensive cover. So I just wanted to run by you. Do you do you feel like the million is still kind of what you would need, or do you like the sound of dropping it down that far? So the 8 50 one was, like, 3,000. So it goes from, like, 4 to 3 to 2.2. Not particularly. The main one that worries me more is the income protection because that's seven and a half out of out of your super. Yes. It gets a 15% rebate. That's lovely. But seven and a half for $5,900 worth of cover. Now you have a really beautiful old policy which covers you for 75% of your income. But I think I had your income noted down at about 72,000 per annum. Does that sound about right? Yeah. So what's happening is that cover's slowly increasing every year as well, which means that you're technically over insured for the income protection quite a bit. It does cover super on top, like a retirement optimizer, so they pay some of your super contributions, which minimizes that a little bit. But based on your current income, you probably need cover more like 4,500 a month, not 5,900, give or take a bit of super contributions on top. Yeah. And so that one dropping down, that probably saves another 1,500. Correct. So that one's okay? Yep. Yep. So IP and trauma, that's fine. And then, again, when it comes to life and TPD, if you dropped it a bit, it would go down a thousand or 2,000 depending on how far you wanna go. Do you wanna leave that one alone for another year until you pay down more of the mortgage, or do you wanna give that a bit of a trip? Yes. Yeah. So that lump sum is really important for you guys. Yeah. Cool. So for the time being, let's do a bit of a trim on the income protection and the trauma just so you can get a bit more affordability out of pocket and minimize the impact to your super a little bit. And then we would just have to keep an eye on it on a yearly basis because, again, price is gonna jump up every year. That's will hopefully come down. Super will hopefully come up, and we can kinda just keep rebalancing it every year. I would probably do an alteration a tweak every twelve months, I would absolutely do at this point. It's not something I would leave. If you left it for twenty four months, it could jump up another $3, and then it's just eating away at your super. Yes. So what I'll do is I'll put together those reduction quotes with the reduction in the risk for the super from high growth down to growth, and I'll put that in an updated advice document, get that through to you for a quick chat. If you're happy, you sign off, and we'll jump ahead and do it. We will do most of that with you. So we'll get you to sign, like, a reduction letter, and then we'll forward that off to them. Correct. The only thing is I might activate quicker on the trauma cover because if it takes me a week and a half to get the the document to you and and a quick sign off, And then by the time they process it, I might see if I can get a reduction letter to you quicker. Yeah. No worries at all. That's pretty much everything. The other thing that Carl mentioned was just making sure we've got the estate planning up to date, put in place wills, power of attorney, all that kind of thing. Yep. And, look, there's three main options. You can see a solicitor. You can even go to you know, like, the courthouse of the public trustee for every state can also put in place wills and power of attorney. Usually, a little bit more affordable. And, also, you can if you really want to, you can get a a will kit from the post office for $25 and the same thing for a power of attorney kit. So if if that's a barrier that makes it a bit easier to get at least something in place, that's something to consider. Yeah. And I think you've gotta have a couple of witnesses. No worries at all. Look. You can always get an updated, Will, once you've seek, like, legal advice, but at the at the first port of call, just having something is better than nothing. Yeah. So that's the thing that I I kinda wanna mention is that your your finances are pretty straightforward with the the house and the cars and the income and the super, so that's all okay. You can get more complex in looking after adult and minor children in terms of testamentary trust wills. So if you wanna go that far, you can actually set up and place a will that sets up a trust fund for them. Like, you've got all those options on a scale, but the basic one is definitely helpful. Yep. Absolutely. I'll go away and get this research finalized for the super and the insurances. Was there anything else that you needed at the moment? I'm going to double check both of them, and that's still what you want. Right? Yep. Perfect. I will look into that today. And if there's anything that's missing, I'll get someone to post out a beneficiary form straight away. Do you have two minutes for me? I can log on to your hub account right now if you like. Perfect. It's just I have to go through that quick little multifactor authentication, which just takes that extra thirty seconds. So I do apologize. It won't be long. Perfect. Perfect. So we've got our password for the adviser login. Oh, did I do that right? Here we go. It's funny. I've got an authenticator, and then they send me a text message as well and a password. They've got three points, which is a lovely amount of security, but it's just it gets old after a while. Yeah. 178260. Done. Alright. I'm into Hub. I'm just loading up your account now. There we go. Alright. And good thing at least is that the the stock market bounced back a little bit the last couple of weeks, so that's creeping back up again. Again, reduction of risk is the main thing, but to get a little bit back after the drop is good. And then we've got your beneficiary. Yes. Scott Perce, a 100%. That was put in place in 2021, nonlapsing. So it's not gonna expire, and it is legally binding. Yep. So the super is fine. That'll be direct and quick. It's literally just a death certificate and some identification, and then that's sorted. I will double check the AIA insurance as well and let you know. Yeah. It can be time and a cost. That is no worries. Anything else I can do for you, Lynn? No worries at all. Awesome. Have a lovely day, and I'll get the team to reach out to book you in for that final catch up. Thank you. 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calling from Oakview Financial. Good morning, Lynn. It's Tommy here from Oakview Financial. How are you doing today? Great to hear.\n\nGreat to hear. I'm one of the senior advisers. I was just giving you a call to go through some insurance quotes that Kyle put together for you if you still have a bit of time for me. Perfect. Just usual process, are you okay for this call to be recorded?\n\nAwesome. And we don't have a security question on file. Are you okay to confirm your date of birth and address, please? Amazing, Lynn. Thank you.\n\nAnd I'm registered with Asic as adviser one 273105. Now, Lynn, I'm looking through the notes from Kyle. I had a bit of a chat to him, and he's currently away at the moment. So I just wanted to jump at this chance to go through these reductions with you just to get the prices down for the insurances. He does have some notes here just looking to reduce the risk of the super as well.\n\nSo there's two main things to focus on at the moment. Is that right? Perfect. Perfect. So we're putting together a bit of an updated plan on the risk reduction, and I have these quotes back.\n\nNow are you pretty familiar with all of the insurances that you do have currently with AIA? That's okay. I will put together with the updated advice. I'll put together a review pack for you, and that's gonna include your certificates of currency so you know what the policy is currently sitting at. Now I'll give you a bit of an easy breakdown here.\n\nSo you you're paying quite a lot in insurances. Your premiums are quite high. Obviously, age is a factor as well. Now you have all four main covers. So you have life insurance, total disability, income protection, and trauma.\n\nDo those ring a bell? Yep. Perfect. So the main ones out of pocket, they're looking quite high because you're paying them out of pocket on a monthly basis. So there's a couple of people on the policy in addition to yourself.\n\nYou do have, like, family protection, which includes it's Samuel and Sarah. Yep. That's it. Now those family protection portions for $16,000 each, they're only a dollar 62 a month, so I'm not too concerned about those. Now it's the trauma portion of it that's a bit concerning because it's a 166,000 of critical illness.\n\nSo if you get diagnosed with a heart attack, stroke, cancer, here's a bit of a lump sum, as well as a multitude of other conditions you can be diagnosed with from organ failure, blindness, all that kind of thing. So anything that doesn't fit within a death or total disability kind of fits into this one. Now the premium for it, however, is $229 a month out of pocket. Yeah. Now we did a couple of quotes.\n\nThe the one that really stands out to me is if you dropped it from a 160,000 to a 100,000 flat, it goes from $2.30 a month to $1.40. So that's a like for like kind of 40% reduction in covering cost. And that, I guess, sounds a little bit more reasonable, but I'm guided by you on what you can afford. How does that sound? Correct.\n\nBoth family protections remain the same. It's just the one 60 six and the 100. Yep. Correct. Okay.\n\nSo yeah. $2.02 29 down to $1.40. Yep. Absolutely. And the cool thing with reductions is you don't have to go through underwriting, so there's no additional health checks to reduce cover.\n\nIt's only if you're trying to increase or get new cover. Yep. Yeah. The standard we usually range it between 100,000 and 200,000 depending on age and affordability. So I think a 100 I do a lot of a $100,000 quotes, which is, you know, partners can spend a bit of time looking after you if you have a heart attack.\n\nYou can pay for private private not health cover, but private treatment, which is a lot faster. So it's it's definitely a good one, and the average that you need is between one to two hundred. Yep. Now when it comes to health side of things, we did do some research to try and find some cheaper providers, especially for the cover that's paid through your super. The only thing that I can note was that you had the somewhat recent diagnosis of the iliotibial band syndrome for the, I think, the knees.\n\nYep. So based on that, I probably wouldn't switch providers necessarily because the new policy, full underwriting, you'd probably get, like, a a a specific knee exclusion on that part of your body that you don't currently have on your AIA policy. But when it comes to the reductions, we had some reduction quotes for the super cover as well, which was basically the last thing I wanted to run you through. So when it comes to the life disability and income protection, you have just under 1,100,000 of life insurance and total disability, which that's your lump sum cover. Pass away, can never work again, a bit more than 1,000,000 plus your super on top.\n\nNow I think the mortgage car noted down was under 400,000 now. Around 5. Alright. So let's say in that scenario, you have the mortgage paid off plus half $1,000,000 plus your super there. Now that combined is just under 4,000 coming out of the super per year.\n\nI did look at, with Kyle, some reductions to 850,000 and a reduction to 750,000. Now going down to the 750,000 brings it from about 4,000 to about $222,300. So that's a pretty decent savings there, but it's not your most expensive cover. So I just wanted to run by you. Do you do you feel like the million is still kind of what you would need, or do you like the sound of dropping it down that far?\n\nSo the 8 50 one was, like, 3,000. So it goes from, like, 4 to 3 to 2.2. Not particularly. The main one that worries me more is the income protection because that's seven and a half out of out of your super. Yes.\n\nIt gets a 15% rebate. That's lovely. But seven and a half for $5,900 worth of cover. Now you have a really beautiful old policy which covers you for 75% of your income. But I think I had your income noted down at about 72,000 per annum.\n\nDoes that sound about right? Yeah. So what's happening is that cover's slowly increasing every year as well, which means that you're technically over insured for the income protection quite a bit. It does cover super on top, like a retirement optimizer, so they pay some of your super contributions, which minimizes that a little bit. But based on your current income, you probably need cover more like 4,500 a month, not 5,900, give or take a bit of super contributions on top.\n\nYeah. And so that one dropping down, that probably saves another 1,500. Correct. So that one's okay? Yep.\n\nYep. So IP and trauma, that's fine. And then, again, when it comes to life and TPD, if you dropped it a bit, it would go down a thousand or 2,000 depending on how far you wanna go. Do you wanna leave that one alone for another year until you pay down more of the mortgage, or do you wanna give that a bit of a trip? Yes.\n\nYeah. So that lump sum is really important for you guys. Yeah. Cool. So for the time being, let's do a bit of a trim on the income protection and the trauma just so you can get a bit more affordability out of pocket and minimize the impact to your super a little bit.\n\nAnd then we would just have to keep an eye on it on a yearly basis because, again, price is gonna jump up every year. That's will hopefully come down. Super will hopefully come up, and we can kinda just keep rebalancing it every year. I would probably do an alteration a tweak every twelve months, I would absolutely do at this point. It's not something I would leave.\n\nIf you left it for twenty four months, it could jump up another $3, and then it's just eating away at your super. Yes. So what I'll do is I'll put together those reduction quotes with the reduction in the risk for the super from high growth down to growth, and I'll put that in an updated advice document, get that through to you for a quick chat. If you're happy, you sign off, and we'll jump ahead and do it. We will do most of that with you.\n\nSo we'll get you to sign, like, a reduction letter, and then we'll forward that off to them. Correct. The only thing is I might activate quicker on the trauma cover because if it takes me a week and a half to get the the document to you and and a quick sign off, And then by the time they process it, I might see if I can get a reduction letter to you quicker. Yeah. No worries at all.\n\nThat's pretty much everything. The other thing that Carl mentioned was just making sure we've got the estate planning up to date, put in place wills, power of attorney, all that kind of thing. Yep. And, look, there's three main options. You can see a solicitor.\n\nYou can even go to you know, like, the courthouse of the public trustee for every state can also put in place wills and power of attorney. Usually, a little bit more affordable. And, also, you can if you really want to, you can get a a will kit from the post office for $25 and the same thing for a power of attorney kit. So if if that's a barrier that makes it a bit easier to get at least something in place, that's something to consider. Yeah.\n\nAnd I think you've gotta have a couple of witnesses. No worries at all. Look. You can always get an updated, Will, once you've seek, like, legal advice, but at the at the first port of call, just having something is better than nothing. Yeah.\n\nSo that's the thing that I I kinda wanna mention is that your your finances are pretty straightforward with the the house and the cars and the income and the super, so that's all okay. You can get more complex in looking after adult and minor children in terms of testamentary trust wills. So if you wanna go that far, you can actually set up and place a will that sets up a trust fund for them. Like, you've got all those options on a scale, but the basic one is definitely helpful. Yep.\n\nAbsolutely. I'll go away and get this research finalized for the super and the insurances. Was there anything else that you needed at the moment? I'm going to double check both of them, and that's still what you want. Right?\n\nYep. Perfect. I will look into that today. And if there's anything that's missing, I'll get someone to post out a beneficiary form straight away. Do you have two minutes for me?\n\nI can log on to your hub account right now if you like. Perfect. It's just I have to go through that quick little multifactor authentication, which just takes that extra thirty seconds. So I do apologize. It won't be long.\n\nPerfect. Perfect. So we've got our password for the adviser login. Oh, did I do that right? Here we go.\n\nIt's funny. I've got an authenticator, and then they send me a text message as well and a password. They've got three points, which is a lovely amount of security, but it's just it gets old after a while. Yeah. 178260.\n\nDone. Alright. I'm into Hub. I'm just loading up your account now. There we go.\n\nAlright. And good thing at least is that the the stock market bounced back a little bit the last couple of weeks, so that's creeping back up again. Again, reduction of risk is the main thing, but to get a little bit back after the drop is good. And then we've got your beneficiary. Yes.\n\nScott Perce, a 100%. That was put in place in 2021, nonlapsing. So it's not gonna expire, and it is legally binding. Yep. So the super is fine.\n\nThat'll be direct and quick. It's literally just a death certificate and some identification, and then that's sorted. I will double check the AIA insurance as well and let you know. Yeah. It can be time and a cost.\n\nThat is no worries. Anything else I can do for you, Lynn? No worries at all. Awesome. Have a lovely day, and I'll get the team to reach out to book you in for that final catch up.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Tommy calling from Oakview Financial.","start":6.96,"end":9.22,"sentiment":"neutral","sentiment_score":0.017430269718170167},{"text":"Good morning, Lynn.","start":15.215,"end":16.015,"sentiment":"positive","sentiment_score":0.3355453709761302},{"text":"It's Tommy here from Oakview Financial.","start":16.015,"end":17.455,"sentiment":"neutral","sentiment_score":0.2541760007540385},{"text":"How are you doing today?","start":17.455,"end":18.515,"sentiment":"neutral","sentiment_score":0.29075624942779543},{"text":"Great to hear.","start":20.095001,"end":20.654999,"sentiment":"positive","sentiment_score":0.6625197529792786}],"sentiment":"neutral","sentiment_score":0.2754629078236493,"num_words":22,"start":6.96,"end":20.654999},{"sentences":[{"text":"Great to hear.","start":20.654999,"end":21.215,"sentiment":"positive","sentiment_score":0.5545055071512858},{"text":"I'm one of the senior advisers.","start":21.215,"end":22.815,"sentiment":"neutral","sentiment_score":0.18608704209327698},{"text":"I was just giving you a call to go through some insurance quotes that Kyle put together for you if you still have a bit of time for me.","start":22.815,"end":30.18,"sentiment":"neutral","sentiment_score":0.11770381560099535},{"text":"Perfect.","start":31.76,"end":32.260002,"sentiment":"neutral","sentiment_score":0.2635100781917572},{"text":"Just usual process, are you okay for this call to be recorded?","start":32.72,"end":35.38,"sentiment":"neutral","sentiment_score":0.12589146569371223}],"sentiment":"neutral","sentiment_score":0.15622857045017036,"num_words":51,"start":20.654999,"end":35.38},{"sentences":[{"text":"Awesome.","start":36.64,"end":37.120003,"sentiment":"neutral","sentiment_score":0.2839735746383667},{"text":"And we don't have a security question on file.","start":37.120003,"end":39.36,"sentiment":"neutral","sentiment_score":0.08604466004504098},{"text":"Are you okay to confirm your date of birth and address, please?","start":39.36,"end":42.42,"sentiment":"neutral","sentiment_score":0.05065910409515103},{"text":"Amazing, Lynn.","start":48.864998,"end":49.585,"sentiment":"positive","sentiment_score":0.36645352840423584},{"text":"Thank you.","start":49.585,"end":49.985,"sentiment":"positive","sentiment_score":0.49613697826862335}],"sentiment":"neutral","sentiment_score":0.13044099144351023,"num_words":26,"start":36.64,"end":49.985},{"sentences":[{"text":"And I'm registered with Asic as adviser one 273105.","start":49.985,"end":54.245,"sentiment":"neutral","sentiment_score":0.1732742836078008},{"text":"Now, Lynn, I'm looking through the notes from Kyle.","start":55.92,"end":58.72,"sentiment":"neutral","sentiment_score":0.03304686687058873},{"text":"I had a bit of a chat to him, and he's currently away at the moment.","start":58.72,"end":61.44,"sentiment":"neutral","sentiment_score":-0.05149973486550152},{"text":"So I just wanted to jump at this chance to go through these reductions with you just to get the prices down for the insurances.","start":61.44,"end":68.02,"sentiment":"neutral","sentiment_score":0.12748562008142472},{"text":"He does have some notes here just looking to reduce the risk of the super as well.","start":69.605,"end":73.605,"sentiment":"neutral","sentiment_score":0.06685113687725629}],"sentiment":"neutral","sentiment_score":0.07048032138692706,"num_words":76,"start":49.985,"end":73.605},{"sentences":[{"text":"So there's two main things to focus on at the moment.","start":73.605,"end":76.40501,"sentiment":"neutral","sentiment_score":0.0252633196386424},{"text":"Is that right?","start":76.40501,"end":77.225006,"sentiment":"neutral","sentiment_score":0.06009849036733309},{"text":"Perfect.","start":78.40501,"end":78.805,"sentiment":"neutral","sentiment_score":0.25035542249679565},{"text":"Perfect.","start":78.805,"end":79.125,"sentiment":"neutral","sentiment_score":0.2313307821750641},{"text":"So we're putting together a bit of an updated plan on the risk reduction, and I have these quotes back.","start":79.125,"end":84.729996,"sentiment":"neutral","sentiment_score":0.14758950620889663}],"sentiment":"neutral","sentiment_score":0.10810189766602384,"num_words":36,"start":73.605,"end":84.729996},{"sentences":[{"text":"Now are you pretty familiar with all of the insurances that you do have currently with AIA?","start":84.869995,"end":89.29,"sentiment":"neutral","sentiment_score":0.04622816338258631},{"text":"That's okay.","start":100.085,"end":100.805,"sentiment":"neutral","sentiment_score":0.00988923478871584},{"text":"I will put together with the updated advice.","start":100.805,"end":103.945,"sentiment":"neutral","sentiment_score":0.06708302348852158},{"text":"I'll put together a review pack for you, and that's gonna include your certificates of currency so you know what the policy is currently sitting at.","start":104.005,"end":111.29,"sentiment":"neutral","sentiment_score":0.05675567156420304},{"text":"Now I'll give you a bit of an easy breakdown here.","start":113.11,"end":115.83,"sentiment":"neutral","sentiment_score":0.129024226218462}],"sentiment":"neutral","sentiment_score":0.0662068028759677,"num_words":64,"start":84.869995,"end":115.83},{"sentences":[{"text":"So you you're paying quite a lot in insurances.","start":115.83,"end":117.850006,"sentiment":"neutral","sentiment_score":-0.11971308083997832},{"text":"Your premiums are quite high.","start":118.87,"end":120.71001,"sentiment":"negative","sentiment_score":-0.36731117963790894},{"text":"Obviously, age is a factor as well.","start":120.71001,"end":122.97,"sentiment":"neutral","sentiment_score":-0.2226045025246484},{"text":"Now you have all four main covers.","start":123.375,"end":126.275,"sentiment":"neutral","sentiment_score":-0.01420679981155055},{"text":"So you have life insurance, total disability, income protection, and trauma.","start":126.335,"end":131.315,"sentiment":"neutral","sentiment_score":-0.0007573545656420968}],"sentiment":"neutral","sentiment_score":-0.11743547800832833,"num_words":39,"start":115.83,"end":131.315},{"sentences":[{"text":"Do those ring a bell?","start":131.375,"end":132.675,"sentiment":"neutral","sentiment_score":-0.0027265027165412903},{"text":"Yep.","start":134.015,"end":134.335,"sentiment":"neutral","sentiment_score":0.22158396244049072},{"text":"Perfect.","start":134.335,"end":134.835,"sentiment":"positive","sentiment_score":0.5370346903800964},{"text":"So the main ones out of pocket, they're looking quite high because you're paying them out of pocket on a monthly basis.","start":134.975,"end":142.66,"sentiment":"neutral","sentiment_score":0.028024124320257793},{"text":"So there's a couple of people on the policy in addition to yourself.","start":152.975,"end":157.235,"sentiment":"neutral","sentiment_score":0.07219593226909637}],"sentiment":"neutral","sentiment_score":0.05476342842337631,"num_words":42,"start":131.375,"end":157.235},{"sentences":[{"text":"You do have, like, family protection, which includes it's Samuel and Sarah.","start":157.535,"end":165.92,"sentiment":"neutral","sentiment_score":0.06151557294651866},{"text":"Yep.","start":166.54,"end":167.04,"sentiment":"neutral","sentiment_score":0.0631338506937027},{"text":"That's it.","start":167.42,"end":168.22,"sentiment":"neutral","sentiment_score":0.06368498876690865},{"text":"Now those family protection portions for $16,000 each, they're only a dollar 62 a month, so I'm not too concerned about those.","start":168.22,"end":177.30501,"sentiment":"neutral","sentiment_score":0.05475187826563011},{"text":"Now it's the trauma portion of it that's a bit concerning because it's a 166,000 of critical illness.","start":177.925,"end":185.125,"sentiment":"neutral","sentiment_score":-0.22200875398185518}],"sentiment":"neutral","sentiment_score":-0.03387137356806885,"num_words":55,"start":157.535,"end":185.125},{"sentences":[{"text":"So if you get diagnosed with a heart attack, stroke, cancer, here's a bit of a lump sum, as well as a multitude of other conditions you can be diagnosed with from organ failure, blindness, all that kind of thing.","start":185.125,"end":198.03,"sentiment":"neutral","sentiment_score":-0.16736351530998944},{"text":"So anything that doesn't fit within a death or total disability kind of fits into this one.","start":198.03,"end":204.435,"sentiment":"neutral","sentiment_score":-0.27457888950319853},{"text":"Now the premium for it, however, is $229 a month out of pocket.","start":205.795,"end":213.415,"sentiment":"neutral","sentiment_score":-0.056080030993773386},{"text":"Yeah.","start":216.435,"end":216.935,"sentiment":"neutral","sentiment_score":0.09156164526939392},{"text":"Now we did a couple of quotes.","start":216.995,"end":219.64,"sentiment":"neutral","sentiment_score":0.1030492154615266}],"sentiment":"neutral","sentiment_score":-0.14459635876119137,"num_words":78,"start":185.125,"end":219.64},{"sentences":[{"text":"The the one that really stands out to me is if you dropped it from a 160,000 to a 100,000 flat, it goes from $2.30 a month to $1.40.","start":219.86,"end":228.36,"sentiment":"neutral","sentiment_score":0.15299439443082646},{"text":"So that's a like for like kind of 40% reduction in covering cost.","start":231.315,"end":236.775,"sentiment":"neutral","sentiment_score":0.09252214495343371},{"text":"And that, I guess, sounds a little bit more reasonable, but I'm guided by you on what you can afford.","start":237.235,"end":243.415,"sentiment":"neutral","sentiment_score":0.1545231059193611},{"text":"How does that sound?","start":244.595,"end":245.655,"sentiment":"neutral","sentiment_score":0.13195525482296944},{"text":"Correct.","start":254.09999,"end":254.59999,"sentiment":"neutral","sentiment_score":0.0829678550362587}],"sentiment":"neutral","sentiment_score":0.13941606441199947,"num_words":67,"start":219.86,"end":254.59999},{"sentences":[{"text":"Both family protections remain the same.","start":254.73999,"end":257.06,"sentiment":"neutral","sentiment_score":0.06777868047356606},{"text":"It's just the one 60 six and the 100.","start":257.06,"end":259.54,"sentiment":"neutral","sentiment_score":0.012366089090290997},{"text":"Yep.","start":259.54,"end":259.965,"sentiment":"neutral","sentiment_score":0.04342138394713402},{"text":"Correct.","start":271.085,"end":271.585,"sentiment":"neutral","sentiment_score":0.1434079110622406},{"text":"Okay.","start":271.805,"end":272.285,"sentiment":"neutral","sentiment_score":0.05169352889060974}],"sentiment":"neutral","sentiment_score":0.04202720603077776,"num_words":18,"start":254.73999,"end":272.285},{"sentences":[{"text":"So yeah.","start":272.285,"end":275.09,"sentiment":"neutral","sentiment_score":0.015928587410598993},{"text":"$2.02 29 down to $1.40.","start":275.15,"end":277.89,"sentiment":"neutral","sentiment_score":0.010135330725461245},{"text":"Yep.","start":282.67,"end":283.07,"sentiment":"neutral","sentiment_score":-0.019742323085665703},{"text":"Absolutely.","start":283.07,"end":283.57,"sentiment":"neutral","sentiment_score":-0.13574156165122986},{"text":"And the cool thing with reductions is you don't have to go through underwriting, so there's no additional health checks to reduce cover.","start":293.645,"end":301.35,"sentiment":"neutral","sentiment_score":0.0046864222411228265}],"sentiment":"neutral","sentiment_score":0.0010886767267948017,"num_words":32,"start":272.285,"end":301.35},{"sentences":[{"text":"It's only if you're trying to increase or get new cover.","start":301.35,"end":304.09,"sentiment":"neutral","sentiment_score":-0.017003155694427816},{"text":"Yep.","start":307.27,"end":307.77,"sentiment":"neutral","sentiment_score":0.01596515066921711},{"text":"Yeah.","start":321.445,"end":321.845,"sentiment":"neutral","sentiment_score":-0.0007755160331726074},{"text":"The standard we usually range it between 100,000 and 200,000 depending on age and affordability.","start":321.845,"end":327.465,"sentiment":"neutral","sentiment_score":0.0070358621577421825},{"text":"So I think a 100 I do a lot of a $100,000 quotes, which is, you know, partners can spend a bit of time looking after you if you have a heart attack.","start":328.06998,"end":335.43,"sentiment":"neutral","sentiment_score":0.014826413074677641}],"sentiment":"neutral","sentiment_score":0.006933844029964482,"num_words":61,"start":301.35,"end":335.43},{"sentences":[{"text":"You can pay for private private not health cover, but private treatment, which is a lot faster.","start":335.43,"end":341.44998,"sentiment":"neutral","sentiment_score":0.019966053392957237},{"text":"So it's it's definitely a good one, and the average that you need is between one to two hundred.","start":342.01498,"end":347.395,"sentiment":"positive","sentiment_score":0.5707459606622395},{"text":"Yep.","start":356.19,"end":356.69,"sentiment":"neutral","sentiment_score":0.2620690166950226},{"text":"Now when it comes to health side of things, we did do some research to try and find some cheaper providers, especially for the cover that's paid through your super.","start":357.63,"end":365.17,"sentiment":"neutral","sentiment_score":0.07572861251731713},{"text":"The only thing that I can note was that you had the somewhat recent diagnosis of the iliotibial band syndrome for the, I think, the knees.","start":366.19,"end":374.80502,"sentiment":"neutral","sentiment_score":-0.05352219509390684}],"sentiment":"neutral","sentiment_score":0.13253705892511594,"num_words":93,"start":335.43,"end":374.80502},{"sentences":[{"text":"Yep.","start":376.70502,"end":377.20502,"sentiment":"neutral","sentiment_score":0.02482215128839016},{"text":"So based on that, I probably wouldn't switch providers necessarily because the new policy, full underwriting, you'd probably get, like, a a a specific knee exclusion on that part of your body that you don't currently have on your AIA policy.","start":377.265,"end":393.58002,"sentiment":"neutral","sentiment_score":-0.07897945329910372},{"text":"But when it comes to the reductions, we had some reduction quotes for the super cover as well, which was basically the last thing I wanted to run you through.","start":396.44,"end":404.735,"sentiment":"neutral","sentiment_score":-0.0004622933998083075},{"text":"So when it comes to the life disability and income protection, you have just under 1,100,000 of life insurance and total disability, which that's your lump sum cover.","start":405.035,"end":418.42,"sentiment":"neutral","sentiment_score":-0.009390297545386212},{"text":"Pass away, can never work again, a bit more than 1,000,000 plus your super on top.","start":418.48,"end":422.82,"sentiment":"neutral","sentiment_score":-0.15351734217256308}],"sentiment":"neutral","sentiment_score":-0.051262155534490816,"num_words":116,"start":376.70502,"end":422.82},{"sentences":[{"text":"Now I think the mortgage car noted down was under 400,000 now.","start":422.96,"end":427.095,"sentiment":"neutral","sentiment_score":-0.02196078437070052},{"text":"Around 5.","start":436.455,"end":437.515,"sentiment":"neutral","sentiment_score":-0.013715879991650581},{"text":"Alright.","start":437.815,"end":438.315,"sentiment":"neutral","sentiment_score":0.029748573899269104},{"text":"So let's say in that scenario, you have the mortgage paid off plus half $1,000,000 plus your super there.","start":439.50998,"end":446.49,"sentiment":"neutral","sentiment_score":0.026560840343958454},{"text":"Now that combined is just under 4,000 coming out of the super per year.","start":446.62997,"end":452.025,"sentiment":"neutral","sentiment_score":0.03434404943670545}],"sentiment":"neutral","sentiment_score":0.01508875125243018,"num_words":48,"start":422.96,"end":452.025},{"sentences":[{"text":"I did look at, with Kyle, some reductions to 850,000 and a reduction to 750,000.","start":453.945,"end":461.565,"sentiment":"neutral","sentiment_score":0.06664328128099442},{"text":"Now going down to the 750,000 brings it from about 4,000 to about $222,300.","start":462.185,"end":471.24,"sentiment":"neutral","sentiment_score":0.11648217482226235},{"text":"So that's a pretty decent savings there, but it's not your most expensive cover.","start":471.53998,"end":476.59998,"sentiment":"neutral","sentiment_score":0.15859158816082136},{"text":"So I just wanted to run by you.","start":476.65997,"end":478.09998,"sentiment":"neutral","sentiment_score":0.09415984433144331},{"text":"Do you do you feel like the million is still kind of what you would need, or do you like the sound of dropping it down that far?","start":478.09998,"end":486.045,"sentiment":"neutral","sentiment_score":-0.02802994235285691}],"sentiment":"neutral","sentiment_score":0.06100154771834989,"num_words":79,"start":453.945,"end":486.045},{"sentences":[{"text":"So the 8 50 one was, like, 3,000.","start":490.905,"end":493.805,"sentiment":"neutral","sentiment_score":0.007107917219400406},{"text":"So it goes from, like, 4 to 3 to 2.2.","start":493.945,"end":497.46,"sentiment":"neutral","sentiment_score":0.010817358084023},{"text":"Not particularly.","start":505.06,"end":505.88,"sentiment":"neutral","sentiment_score":-0.22680196166038513},{"text":"The main one that worries me more is the income protection because that's seven and a half out of out of your super.","start":506.41998,"end":514.205,"sentiment":"neutral","sentiment_score":-0.2924143775649693},{"text":"Yes.","start":514.265,"end":514.505,"sentiment":"neutral","sentiment_score":0.10616030544042589}],"sentiment":"neutral","sentiment_score":-0.15699857689270919,"num_words":44,"start":490.905,"end":514.505},{"sentences":[{"text":"It gets a 15% rebate.","start":514.505,"end":515.945,"sentiment":"neutral","sentiment_score":0.21357626914978028},{"text":"That's lovely.","start":515.945,"end":516.765,"sentiment":"positive","sentiment_score":0.6344501078128815},{"text":"But seven and a half for $5,900 worth of cover.","start":516.985,"end":521.245,"sentiment":"neutral","sentiment_score":0.17875484600663186},{"text":"Now you have a really beautiful old policy which covers you for 75% of your income.","start":521.385,"end":527.18,"sentiment":"positive","sentiment_score":0.5528188366442919},{"text":"But I think I had your income noted down at about 72,000 per annum.","start":528.44,"end":533.48004,"sentiment":"neutral","sentiment_score":0.00004539480765483209}],"sentiment":"neutral","sentiment_score":0.27595887095865573,"num_words":47,"start":514.505,"end":533.48004},{"sentences":[{"text":"Does that sound about right?","start":533.48004,"end":534.7,"sentiment":"neutral","sentiment_score":0.019716300442814826},{"text":"Yeah.","start":541.41504,"end":541.655,"sentiment":"neutral","sentiment_score":-0.013741828501224518},{"text":"So what's happening is that cover's slowly increasing every year as well, which means that you're technically over insured for the income protection quite a bit.","start":541.655,"end":549.91504,"sentiment":"neutral","sentiment_score":-0.05172054627193855},{"text":"It does cover super on top, like a retirement optimizer, so they pay some of your super contributions, which minimizes that a little bit.","start":550.47,"end":558.64996,"sentiment":"neutral","sentiment_score":0.2549094632267952},{"text":"But based on your current income, you probably need cover more like 4,500 a month, not 5,900, give or take a bit of super contributions on top.","start":558.79,"end":568.335,"sentiment":"neutral","sentiment_score":0.022697870792062196}],"sentiment":"neutral","sentiment_score":0.06591295300567725,"num_words":83,"start":533.48004,"end":568.335},{"sentences":[{"text":"Yeah.","start":571.835,"end":572.235,"sentiment":"neutral","sentiment_score":0.08998134732246399},{"text":"And so that one dropping down, that probably saves another 1,500.","start":572.235,"end":576.495,"sentiment":"neutral","sentiment_score":0.1096473288807002},{"text":"Correct.","start":578.73004,"end":579.23004,"sentiment":"neutral","sentiment_score":0.05047672614455223},{"text":"So that one's okay?","start":581.13,"end":583.79004,"sentiment":"neutral","sentiment_score":-0.015835829311981797},{"text":"Yep.","start":583.93,"end":584.43,"sentiment":"neutral","sentiment_score":0.0028435378335416317}],"sentiment":"neutral","sentiment_score":0.07144882843001849,"num_words":18,"start":571.835,"end":584.43},{"sentences":[{"text":"Yep.","start":596.90497,"end":597.225,"sentiment":"neutral","sentiment_score":0.0818951427936554},{"text":"So IP and trauma, that's fine.","start":597.225,"end":599.32495,"sentiment":"neutral","sentiment_score":-0.020978267615040142},{"text":"And then, again, when it comes to life and TPD, if you dropped it a bit, it would go down a thousand or 2,000 depending on how far you wanna go.","start":599.38495,"end":606.47,"sentiment":"neutral","sentiment_score":-0.09345640085877911},{"text":"Do you wanna leave that one alone for another year until you pay down more of the mortgage, or do you wanna give that a bit of a trip?","start":606.47,"end":612.17,"sentiment":"neutral","sentiment_score":0.01588157513018312},{"text":"Yes.","start":626.98,"end":627.48,"sentiment":"neutral","sentiment_score":0.07691815495491028}],"sentiment":"neutral","sentiment_score":-0.035347633173360545,"num_words":68,"start":596.90497,"end":627.48},{"sentences":[{"text":"Yeah.","start":637.7,"end":638.02,"sentiment":"neutral","sentiment_score":0.034136153757572174},{"text":"So that lump sum is really important for you guys.","start":638.02,"end":640.60004,"sentiment":"neutral","sentiment_score":0.12724216282367706},{"text":"Yeah.","start":641.745,"end":642.245,"sentiment":"neutral","sentiment_score":0.1872182935476303},{"text":"Cool.","start":649.02496,"end":649.425,"sentiment":"positive","sentiment_score":0.4171599149703979},{"text":"So for the time being, let's do a bit of a trim on the income protection and the trauma just so you can get a bit more affordability out of pocket and minimize the impact to your super a little bit.","start":649.425,"end":659.86005,"sentiment":"neutral","sentiment_score":0.18842803559652188}],"sentiment":"neutral","sentiment_score":0.17845343425869942,"num_words":54,"start":637.7,"end":659.86005},{"sentences":[{"text":"And then we would just have to keep an eye on it on a yearly basis because, again, price is gonna jump up every year.","start":659.86005,"end":665.72003,"sentiment":"neutral","sentiment_score":0.0008845892548561096},{"text":"That's will hopefully come down.","start":665.78,"end":667.38,"sentiment":"neutral","sentiment_score":0.05094361156225204},{"text":"Super will hopefully come up, and we can kinda just keep rebalancing it every year.","start":667.38,"end":671.655,"sentiment":"neutral","sentiment_score":0.18576134939988453},{"text":"I would probably do an alteration a tweak every twelve months, I would absolutely do at this point.","start":672.05505,"end":677.515,"sentiment":"neutral","sentiment_score":0.032994236072732344},{"text":"It's not something I would leave.","start":678.775,"end":680.215,"sentiment":"negative","sentiment_score":-0.3969591185450554}],"sentiment":"neutral","sentiment_score":0.018483979249562042,"num_words":69,"start":659.86005,"end":680.215},{"sentences":[{"text":"If you left it for twenty four months, it could jump up another $3, and then it's just eating away at your super.","start":680.215,"end":685.43506,"sentiment":"negative","sentiment_score":-0.5696587173835091},{"text":"Yes.","start":688.75,"end":689.25,"sentiment":"neutral","sentiment_score":0.15957701206207275},{"text":"So what I'll do is I'll put together those reduction quotes with the reduction in the risk for the super from high growth down to growth, and I'll put that in an updated advice document, get that through to you for a quick chat.","start":689.62994,"end":701.445,"sentiment":"neutral","sentiment_score":0.11037547522309152},{"text":"If you're happy, you sign off, and we'll jump ahead and do it.","start":701.445,"end":704.585,"sentiment":"neutral","sentiment_score":0.28502503954447234},{"text":"We will do most of that with you.","start":710.165,"end":711.605,"sentiment":"neutral","sentiment_score":0.2566171735525131}],"sentiment":"neutral","sentiment_score":-0.026154940173532187,"num_words":89,"start":680.215,"end":711.605},{"sentences":[{"text":"So we'll get you to sign, like, a reduction letter, and then we'll forward that off to them.","start":711.605,"end":715.5,"sentiment":"neutral","sentiment_score":0.21300790458917618},{"text":"Correct.","start":720.7,"end":721.1,"sentiment":"neutral","sentiment_score":0.18369051814079285},{"text":"The only thing is I might activate quicker on the trauma cover because if it takes me a week and a half to get the the document to you and and a quick sign off, And then by the time they process it, I might see if I can get a reduction letter to you quicker.","start":721.1,"end":733.725,"sentiment":"neutral","sentiment_score":0.02050274520713304},{"text":"Yeah.","start":735.785,"end":736.285,"sentiment":"neutral","sentiment_score":0.1520317643880844},{"text":"No worries at all.","start":738.185,"end":739.485,"sentiment":"neutral","sentiment_score":0.29955703765153885}],"sentiment":"neutral","sentiment_score":0.08145308059174568,"num_words":80,"start":711.605,"end":739.485},{"sentences":[{"text":"That's pretty much everything.","start":739.865,"end":741.14496,"sentiment":"neutral","sentiment_score":0.30751410126686096},{"text":"The other thing that Carl mentioned was just making sure we've got the estate planning up to date, put in place wills, power of attorney, all that kind of thing.","start":741.14496,"end":749.39,"sentiment":"neutral","sentiment_score":0.09836572234829268},{"text":"Yep.","start":752.17004,"end":752.65,"sentiment":"neutral","sentiment_score":0.08928801864385605},{"text":"And, look, there's three main options.","start":752.65,"end":754.75,"sentiment":"neutral","sentiment_score":0.0871614155670007},{"text":"You can see a solicitor.","start":754.975,"end":756.435,"sentiment":"neutral","sentiment_score":0.08015561401844025}],"sentiment":"neutral","sentiment_score":0.11291440560118012,"num_words":46,"start":739.865,"end":756.435},{"sentences":[{"text":"You can even go to you know, like, the courthouse of the public trustee for every state can also put in place wills and power of attorney.","start":756.575,"end":763.315,"sentiment":"neutral","sentiment_score":0.11941590298105169},{"text":"Usually, a little bit more affordable.","start":763.455,"end":764.995,"sentiment":"neutral","sentiment_score":0.0905113061890006},{"text":"And, also, you can if you really want to, you can get a a will kit from the post office for $25 and the same thing for a power of attorney kit.","start":766.895,"end":775.38,"sentiment":"neutral","sentiment_score":0.15927701070904732},{"text":"So if if that's a barrier that makes it a bit easier to get at least something in place, that's something to consider.","start":775.44,"end":782.1,"sentiment":"neutral","sentiment_score":-0.02896843061013066},{"text":"Yeah.","start":783.78503,"end":784.10504,"sentiment":"neutral","sentiment_score":0.02919062227010727}],"sentiment":"neutral","sentiment_score":0.0924390817814496,"num_words":89,"start":756.575,"end":784.10504},{"sentences":[{"text":"And I think you've gotta have a couple of witnesses.","start":784.10504,"end":785.805,"sentiment":"neutral","sentiment_score":0.006815715320408344},{"text":"No worries at all.","start":791.54504,"end":792.765,"sentiment":"neutral","sentiment_score":0.03836958855390549},{"text":"Look.","start":793.145,"end":793.645,"sentiment":"neutral","sentiment_score":0.11835243552923204},{"text":"You can always get an updated, Will, once you've seek, like, legal advice, but at the at the first port of call, just having something is better than nothing.","start":793.705,"end":801.54,"sentiment":"neutral","sentiment_score":0.15751991909125757},{"text":"Yeah.","start":811.775,"end":812.175,"sentiment":"neutral","sentiment_score":0.07639998197555542}],"sentiment":"neutral","sentiment_score":0.11076590174602138,"num_words":45,"start":784.10504,"end":812.175},{"sentences":[{"text":"So that's the thing that I I kinda wanna mention is that your your finances are pretty straightforward with the the house and the cars and the income and the super, so that's all okay.","start":812.175,"end":820.435,"sentiment":"neutral","sentiment_score":0.16335904619523456},{"text":"You can get more complex in looking after adult and minor children in terms of testamentary trust wills.","start":822.015,"end":829.19,"sentiment":"neutral","sentiment_score":0.1093793043659793},{"text":"So if you wanna go that far, you can actually set up and place a will that sets up a trust fund for them.","start":829.25,"end":834.29,"sentiment":"neutral","sentiment_score":0.16361846557507911},{"text":"Like, you've got all those options on a scale, but the basic one is definitely helpful.","start":834.29,"end":839.43,"sentiment":"neutral","sentiment_score":0.22607497591525316},{"text":"Yep.","start":847.97504,"end":848.375,"sentiment":"neutral","sentiment_score":0.2463517189025879}],"sentiment":"neutral","sentiment_score":0.16464668726350398,"num_words":94,"start":812.175,"end":848.375},{"sentences":[{"text":"Absolutely.","start":848.375,"end":848.875,"sentiment":"positive","sentiment_score":0.3648713827133178},{"text":"I'll go away and get this research finalized for the super and the insurances.","start":849.09503,"end":853.515,"sentiment":"neutral","sentiment_score":0.3322340654475348},{"text":"Was there anything else that you needed at the moment?","start":854.03,"end":856.29004,"sentiment":"neutral","sentiment_score":0.08644329681992531},{"text":"I'm going to double check both of them, and that's still what you want.","start":864.83,"end":869.005,"sentiment":"neutral","sentiment_score":-0.0073570005396114925},{"text":"Right?","start":869.005,"end":869.505,"sentiment":"neutral","sentiment_score":0.027970727533102036}],"sentiment":"neutral","sentiment_score":0.145138849678915,"num_words":40,"start":848.375,"end":869.505},{"sentences":[{"text":"Yep.","start":887.42,"end":887.92,"sentiment":"neutral","sentiment_score":0.2705767750740051},{"text":"Perfect.","start":887.98,"end":888.48,"sentiment":"positive","sentiment_score":0.4971272349357605},{"text":"I will look into that today.","start":888.62,"end":890.32,"sentiment":"neutral","sentiment_score":0.30135298768679303},{"text":"And if there's anything that's missing, I'll get someone to post out a beneficiary form straight away.","start":890.45996,"end":896.915,"sentiment":"neutral","sentiment_score":0.07911079993252368},{"text":"Do you have two minutes for me?","start":897.935,"end":900.255,"sentiment":"neutral","sentiment_score":0.03848214926464217}],"sentiment":"neutral","sentiment_score":0.13094001811987255,"num_words":32,"start":887.42,"end":900.255},{"sentences":[{"text":"I can log on to your hub account right now if you like.","start":900.255,"end":902.755,"sentiment":"neutral","sentiment_score":0.04709724967296307},{"text":"Perfect.","start":907.71,"end":908.19,"sentiment":"positive","sentiment_score":0.3665333688259125},{"text":"It's just I have to go through that quick little multifactor authentication, which just takes that extra thirty seconds.","start":908.19,"end":913.73004,"sentiment":"neutral","sentiment_score":0.14350598423104538},{"text":"So I do apologize.","start":914.11,"end":915.07,"sentiment":"neutral","sentiment_score":-0.04282912239432335},{"text":"It won't be long.","start":915.07,"end":916.13,"sentiment":"neutral","sentiment_score":-0.08000917732715607}],"sentiment":"neutral","sentiment_score":0.07839166136776529,"num_words":41,"start":900.255,"end":916.13},{"sentences":[{"text":"Perfect.","start":918.725,"end":919.125,"sentiment":"neutral","sentiment_score":0.29467499256134033},{"text":"Perfect.","start":919.125,"end":919.525,"sentiment":"neutral","sentiment_score":0.2101248800754547},{"text":"So we've got our password for the adviser login.","start":919.525,"end":924.025,"sentiment":"neutral","sentiment_score":0.07293028136094411},{"text":"Oh, did I do that right?","start":925.365,"end":926.585,"sentiment":"neutral","sentiment_score":0.04379512183368206},{"text":"Here we go.","start":927.445,"end":928.345,"sentiment":"neutral","sentiment_score":0.03907911231120428}],"sentiment":"neutral","sentiment_score":0.07705902364104986,"num_words":20,"start":918.725,"end":928.345},{"sentences":[{"text":"It's funny.","start":929.0,"end":929.48,"sentiment":"neutral","sentiment_score":0.07961832731962204},{"text":"I've got an authenticator, and then they send me a text message as well and a password.","start":929.48,"end":934.12,"sentiment":"neutral","sentiment_score":0.05971920402611003},{"text":"They've got three points, which is a lovely amount of security, but it's just it gets old after a while.","start":934.12,"end":941.88,"sentiment":"neutral","sentiment_score":0.05059882791247219},{"text":"Yeah.","start":941.88,"end":942.38,"sentiment":"neutral","sentiment_score":0.004242196679115295},{"text":"178260.","start":947.84503,"end":949.84503,"sentiment":"neutral","sentiment_score":0.009898534044623377}],"sentiment":"neutral","sentiment_score":0.05367269297698286,"num_words":41,"start":929.0,"end":949.84503},{"sentences":[{"text":"Done.","start":949.84503,"end":950.34503,"sentiment":"neutral","sentiment_score":0.057413503527641296},{"text":"Alright.","start":950.565,"end":951.065,"sentiment":"neutral","sentiment_score":0.06892731785774231},{"text":"I'm into Hub.","start":951.125,"end":952.085,"sentiment":"neutral","sentiment_score":0.06926869601011276},{"text":"I'm just loading up your account now.","start":952.085,"end":953.945,"sentiment":"neutral","sentiment_score":0.08454372467739242},{"text":"There we go.","start":957.45996,"end":958.27997,"sentiment":"neutral","sentiment_score":0.04231902273992697}],"sentiment":"neutral","sentiment_score":0.07019400335848332,"num_words":15,"start":949.84503,"end":958.27997},{"sentences":[{"text":"Alright.","start":960.5,"end":961.0,"sentiment":"neutral","sentiment_score":0.19474339485168457},{"text":"And good thing at least is that the the stock market bounced back a little bit the last couple of weeks, so that's creeping back up again.","start":961.06,"end":969.605,"sentiment":"neutral","sentiment_score":0.27899802448572936},{"text":"Again, reduction of risk is the main thing, but to get a little bit back after the drop is good.","start":969.605,"end":974.58496,"sentiment":"neutral","sentiment_score":0.15875228978693484},{"text":"And then we've got your beneficiary.","start":974.64496,"end":976.665,"sentiment":"neutral","sentiment_score":0.058924555157621704},{"text":"Yes.","start":977.44495,"end":977.94495,"sentiment":"neutral","sentiment_score":0.08128923177719116}],"sentiment":"neutral","sentiment_score":0.2061376802623272,"num_words":55,"start":960.5,"end":977.94495},{"sentences":[{"text":"Scott Perce, a 100%.","start":978.40497,"end":980.425,"sentiment":"neutral","sentiment_score":0.08425231091678143},{"text":"That was put in place in 2021, nonlapsing.","start":982.12,"end":984.54004,"sentiment":"neutral","sentiment_score":0.08785172877833247},{"text":"So it's not gonna expire, and it is legally binding.","start":984.76,"end":987.66003,"sentiment":"neutral","sentiment_score":0.07268349565565586},{"text":"Yep.","start":1007.35,"end":1007.83,"sentiment":"neutral","sentiment_score":0.17657166719436646},{"text":"So the super is fine.","start":1007.83,"end":1009.11,"sentiment":"neutral","sentiment_score":0.24068182110786437}],"sentiment":"neutral","sentiment_score":0.11237995725657259,"num_words":28,"start":978.40497,"end":1009.11},{"sentences":[{"text":"That'll be direct and quick.","start":1009.11,"end":1010.47,"sentiment":"neutral","sentiment_score":0.19776280522346495},{"text":"It's literally just a death certificate and some identification, and then that's sorted.","start":1010.47,"end":1014.89,"sentiment":"neutral","sentiment_score":0.06834705173969269},{"text":"I will double check the AIA insurance as well and let you know.","start":1015.27,"end":1019.205,"sentiment":"neutral","sentiment_score":0.04631127990209139},{"text":"Yeah.","start":1032.1,"end":1032.5,"sentiment":"neutral","sentiment_score":0.16069041192531586},{"text":"It can be time and a cost.","start":1032.5,"end":1033.78,"sentiment":"neutral","sentiment_score":0.3300774267741612}],"sentiment":"neutral","sentiment_score":0.12693858299499902,"num_words":39,"start":1009.11,"end":1033.78},{"sentences":[{"text":"That is no worries.","start":1033.78,"end":1034.6599,"sentiment":"neutral","sentiment_score":0.22670293971896172},{"text":"Anything else I can do for you, Lynn?","start":1034.6599,"end":1036.28,"sentiment":"neutral","sentiment_score":0.22738377377390862},{"text":"No worries at all.","start":1040.9,"end":1042.167,"sentiment":"neutral","sentiment_score":0.09289289824664593},{"text":"Awesome.","start":1043.127,"end":1043.627,"sentiment":"neutral","sentiment_score":0.2964478135108948},{"text":"Have a lovely day, and I'll get the team to reach out to book you in for that final catch 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Hello. Speaking. I'm good. Yep. Yep. Sorry. Yep. Around 07/02/1977 in 14 yard prison, all my homes Queensland, Porto. Cool. Yep. Yep. Yeah. Sort of. Not really. That's sort of gone up and changed and, yeah, since I sort of laughed. I haven't actually had any con correspondence from them for a while. So yeah. Three o'clock. Okay. Cool. Yep. Yep. Hold on. Yep. Yeah. We are. I don't know how much that I owe anymore. It's just yeah. Whatever the that comes out direct debit. So whatever it is, we just bump it up to whatever it is. So yeah. Should be my son and my daughter. Yep. My two youngest children. Yep. Yep. No. No. No. That's fine. Okay. K. Yeah. It is a lot. It's gone up. Yep. What? Yep. So it goes from what? $1.66 cover. So if something happens, $1.66 down to what? Just 100 straight flat. Check here and see what's going on now. So I lose $66,000 if I do get something that's not covered, like a heart attack or something. Well, that sounds that sounds great. I like the sound of that one. That's just to one to $1.40 a month. Jesus. Yep. Okay. Can we change that one? Because, yeah, I don't I don't I don't I don't think well, touch wood. I don't have any major health problems or anything. I've just had a bit of a checkup. So yeah. No. We'll do that. If you can drop that one, that would give up in my Okay. I said, yeah. Okay. No. That sounds fine. Yep. Yep. Yep. That's the I don't think anything's gonna happen. So and I'm still covered anyway. Because is that quite the standard? Because I thought I was paying they did say I was paying extra for that even though I was really not getting any better photos in my mind. Yep. Okay. Yeah. No. A 100 sounds good because I've still got a lot of, and I'm covered under work cover as well. So that's fine. So that's cool. Yep. No. That sounds good. A 100 is fine. Yep. Yeah. I have yep. Okay. Yep. No. What's she sitting on? Yeah. She's sitting under just under 5, around 5 at the moment. Yep. I'm thinking what was the $8.51? Is it yeah. So am I saving anything if I drop it, though, really? And Yep. Yep. Yeah. That might be about 72, 74. It hasn't gone anywhere near 80. Like, I'm still way under 80. So yeah. No. That's that's right. Oh, good. Great. So I'm happy. Yep. Okay. So you can drop that one. A year. Jesus. Yeah. No. You definitely drop that one in. Yeah. Definitely drop that. Alright. So I thought they did say that I was overpaying on that one. That must've been the one they did say I was overpaying the premium because it's only 75% and I was paying more. So yeah. No. If you can drop that one, definitely drop that one in. Yep. Yep. Yeah. Yeah. Yeah. Yeah. I just yeah. If something happens, I just need Scott to be covered and because we actually have three dependents. I have my oldest son who's 24 living at home as well. So if something happens, he's basically gotta cover that kid as well even though he's not a dependent, if you know what I mean. So yeah. We have three children, but I well, I have four, but I need three live at home. So, yeah, the older kid is with me. So, yeah, I gotta sort of cover that one as well. Yep. Yeah. And it would help dad pay off his all of his student loans and whatnot as well. So, you know, I sorta need that one as well. So, yeah, that's the deal. Yep. That'd be great. Yep. Yep. Yep. Just keep says 20 eight. Okay. Cool. Sounds good. Yeah. So it's not worth even putting so to me, to be honest with you. No. That sounds good. Yep. Yep. Yep. Yep. Yep. And do I will I need to do anything with the AII? Or do you guys do that, and then it will just wanna make you Yep. Yep. And then they should just automatically do it with the next next month's payments or whenever it comes out. So yep. Another month. Okay. Yeah. That sounds fine. Next last year, that's fine. Thank you so much for Yeah. I sort of do need to do a will, to be honest. Okay then. Okay. And what? You just get it signed off by JP? Is that how they do it? Oh, it's okay. That's fine. I might actually do it. I didn't even know that was available. Thank you for that. Didn't even know that was available. Yeah. I think we my partner and I both don't have one, and we have two other children and two younger children. So the the game is they're two older ones to look after them when they go, but that could change. Yep. Oh, okay. Yep. No. I might actually think about doing it for myself and him because he sort of do need because we're both getting that a little bit older. So yeah. Definitely. Yep. No. I think Scott has he's still the 100% beneficiary on all those forms. He should still be. I think I haven't changed anything, have I? Can you guys still see that? Yep. Yep. Definitely. He's still the main one. So I'll just leave him as that. And then if I just get and get a wool kit from the post office, I'll just still leave him and just do what I need to do for the kids. No. That sounds good. As long as he's still on me, that's the main thing because we talked about the other day. If something does happen, as long as he's on there still and I'm on his, so that's fine. That's cool. Yep. Yep. Yep. And I go on. Yep. I don't have I can't access it. I know you guys can. That's cool. Okay. Sir, I'm not working today. It's all good. No problem. Okay. Oh, gosh. Takes time. I would do. Yeah. I can imagine. When I do the same thing for work, you're gonna yeah. Just as you mean to. Yeah. I did. Hope. So it won't if something does happen and there is like, I don't have a will in place, he will still be okay. That's the main thing because I said we don't have wills the other day when I was talking to Kyle, and I actually thought about it if something happens. Yeah. Because I have had stories that they all can't get any money even after I've gone. So, no, that's fine. As long as it's legally binding, it's a 100%. That's fine. That's cool. Sweet. Okay. Yep. There we go. Yep. I think he's still he should be a 100%. That's my thing. Yeah. No. It's my thing. I because my mother-in-law passed away, her husband, and they had so much time because she wasn't on the well, then, yeah, I was just thinking about it. We're gonna need to get that sorted. So yep. No. That's fine. Thank you so much for that. No. If you can drop all those payments, it would be so much so lovely. But, yeah, other than that, that's great. Perfect. Thank you so much for that. Yep. Awesome. Thank you so much for that. Cool. 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Hello. Speaking. I'm good. Yep.\n\nYep. Sorry. Yep. Around 07/02/1977 in 14 yard prison, all my homes Queensland, Porto. Cool.\n\nYep. Yep. Yeah. Sort of. Not really.\n\nThat's sort of gone up and changed and, yeah, since I sort of laughed. I haven't actually had any con correspondence from them for a while. So yeah. Three o'clock. Okay.\n\nCool. Yep. Yep. Hold on. Yep.\n\nYeah. We are. I don't know how much that I owe anymore. It's just yeah. Whatever the that comes out direct debit.\n\nSo whatever it is, we just bump it up to whatever it is. So yeah. Should be my son and my daughter. Yep. My two youngest children.\n\nYep. Yep. No. No. No.\n\nThat's fine. Okay. K. Yeah. It is a lot.\n\nIt's gone up. Yep. What? Yep. So it goes from what?\n\n$1.66 cover. So if something happens, $1.66 down to what? Just 100 straight flat. Check here and see what's going on now. So I lose $66,000 if I do get something that's not covered, like a heart attack or something.\n\nWell, that sounds that sounds great. I like the sound of that one. That's just to one to $1.40 a month. Jesus. Yep.\n\nOkay. Can we change that one? Because, yeah, I don't I don't I don't I don't think well, touch wood. I don't have any major health problems or anything. I've just had a bit of a checkup.\n\nSo yeah. No. We'll do that. If you can drop that one, that would give up in my Okay. I said, yeah.\n\nOkay. No. That sounds fine. Yep. Yep.\n\nYep. That's the I don't think anything's gonna happen. So and I'm still covered anyway. Because is that quite the standard? Because I thought I was paying they did say I was paying extra for that even though I was really not getting any better photos in my mind.\n\nYep. Okay. Yeah. No. A 100 sounds good because I've still got a lot of, and I'm covered under work cover as well.\n\nSo that's fine. So that's cool. Yep. No. That sounds good.\n\nA 100 is fine. Yep. Yeah. I have yep. Okay.\n\nYep. No. What's she sitting on? Yeah. She's sitting under just under 5, around 5 at the moment.\n\nYep. I'm thinking what was the $8.51? Is it yeah. So am I saving anything if I drop it, though, really? And Yep.\n\nYep. Yeah. That might be about 72, 74. It hasn't gone anywhere near 80. Like, I'm still way under 80.\n\nSo yeah. No. That's that's right. Oh, good. Great.\n\nSo I'm happy. Yep. Okay. So you can drop that one. A year.\n\nJesus. Yeah. No. You definitely drop that one in. Yeah.\n\nDefinitely drop that. Alright. So I thought they did say that I was overpaying on that one. That must've been the one they did say I was overpaying the premium because it's only 75% and I was paying more. So yeah.\n\nNo. If you can drop that one, definitely drop that one in. Yep. Yep. Yeah.\n\nYeah. Yeah. Yeah. I just yeah. If something happens, I just need Scott to be covered and because we actually have three dependents.\n\nI have my oldest son who's 24 living at home as well. So if something happens, he's basically gotta cover that kid as well even though he's not a dependent, if you know what I mean. So yeah. We have three children, but I well, I have four, but I need three live at home. So, yeah, the older kid is with me.\n\nSo, yeah, I gotta sort of cover that one as well. Yep. Yeah. And it would help dad pay off his all of his student loans and whatnot as well. So, you know, I sorta need that one as well.\n\nSo, yeah, that's the deal. Yep. That'd be great. Yep. Yep.\n\nYep. Just keep says 20 eight. Okay. Cool. Sounds good.\n\nYeah. So it's not worth even putting so to me, to be honest with you. No. That sounds good. Yep.\n\nYep. Yep. Yep. Yep. And do I will I need to do anything with the AII?\n\nOr do you guys do that, and then it will just wanna make you Yep. Yep. And then they should just automatically do it with the next next month's payments or whenever it comes out. So yep. Another month.\n\nOkay. Yeah. That sounds fine. Next last year, that's fine. Thank you so much for Yeah.\n\nI sort of do need to do a will, to be honest. Okay then. Okay. And what? You just get it signed off by JP?\n\nIs that how they do it? Oh, it's okay. That's fine. I might actually do it. I didn't even know that was available.\n\nThank you for that. Didn't even know that was available. Yeah. I think we my partner and I both don't have one, and we have two other children and two younger children. So the the game is they're two older ones to look after them when they go, but that could change.\n\nYep. Oh, okay. Yep. No. I might actually think about doing it for myself and him because he sort of do need because we're both getting that a little bit older.\n\nSo yeah. Definitely. Yep. No. I think Scott has he's still the 100% beneficiary on all those forms.\n\nHe should still be. I think I haven't changed anything, have I? Can you guys still see that? Yep. Yep.\n\nDefinitely. He's still the main one. So I'll just leave him as that. And then if I just get and get a wool kit from the post office, I'll just still leave him and just do what I need to do for the kids. No.\n\nThat sounds good. As long as he's still on me, that's the main thing because we talked about the other day. If something does happen, as long as he's on there still and I'm on his, so that's fine. That's cool. Yep.\n\nYep. Yep. And I go on. Yep. I don't have I can't access it.\n\nI know you guys can. That's cool. Okay. Sir, I'm not working today. It's all good.\n\nNo problem. Okay. Oh, gosh. Takes time. I would do.\n\nYeah. I can imagine. When I do the same thing for work, you're gonna yeah. Just as you mean to. Yeah.\n\nI did. Hope. So it won't if something does happen and there is like, I don't have a will in place, he will still be okay. That's the main thing because I said we don't have wills the other day when I was talking to Kyle, and I actually thought about it if something happens. Yeah.\n\nBecause I have had stories that they all can't get any money even after I've gone. So, no, that's fine. As long as it's legally binding, it's a 100%. That's fine. That's cool.\n\nSweet. Okay. Yep. There we go. Yep.\n\nI think he's still he should be a 100%. That's my thing. Yeah. No. It's my thing.\n\nI because my mother-in-law passed away, her husband, and they had so much time because she wasn't on the well, then, yeah, I was just thinking about it. We're gonna need to get that sorted. So yep. No. That's fine.\n\nThank you so much for that. No. If you can drop all those payments, it would be so much so lovely. But, yeah, other than that, that's great. Perfect.\n\nThank you so much for that. Yep. Awesome. Thank you so much for that. Cool.\n\nBye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.32,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.011102373246103525},{"text":"Hello.","start":12.684999,"end":12.925,"sentiment":"neutral","sentiment_score":0.05691133439540863},{"text":"Speaking.","start":12.925,"end":13.425,"sentiment":"neutral","sentiment_score":0.07797282934188843},{"text":"I'm 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of gone up and changed and, yeah, since I sort of laughed.","start":91.98,"end":95.26,"sentiment":"neutral","sentiment_score":-0.15772046042340143},{"text":"I haven't actually had any con correspondence from them for a while.","start":95.26,"end":98.355,"sentiment":"neutral","sentiment_score":-0.15512914210557938},{"text":"So yeah.","start":98.355,"end":99.33501,"sentiment":"neutral","sentiment_score":-0.04200267978012562},{"text":"Three o'clock.","start":99.795006,"end":100.615005,"sentiment":"neutral","sentiment_score":-0.0204594936221838},{"text":"Okay.","start":111.555,"end":112.035,"sentiment":"neutral","sentiment_score":0.09752233326435088}],"sentiment":"neutral","sentiment_score":-0.13216252144305937,"num_words":31,"start":91.98,"end":112.035},{"sentences":[{"text":"Cool.","start":112.035,"end":112.5,"sentiment":"neutral","sentiment_score":0.15058943629264832},{"text":"Yep.","start":132.58499,"end":132.825,"sentiment":"neutral","sentiment_score":0.01829003356397152},{"text":"Yep.","start":132.825,"end":132.905,"sentiment":"neutral","sentiment_score":0.02096506953239441},{"text":"Hold on.","start":132.905,"end":133.305,"sentiment":"neutral","sentiment_score":0.02132547553628683},{"text":"Yep.","start":133.305,"end":133.805,"sentiment":"neutral","sentiment_score":0.07085749506950378}],"sentiment":"neutral","sentiment_score":0.05055883092184862,"num_words":6,"start":112.035,"end":133.805},{"sentences":[{"text":"Yeah.","start":143.9,"end":144.06,"sentiment":"neutral","sentiment_score":-0.0008992664515972137},{"text":"We are.","start":144.06,"end":144.79999,"sentiment":"neutral","sentiment_score":-0.018536826595664024},{"text":"I don't know how much that I owe anymore.","start":145.34,"end":147.18,"sentiment":"neutral","sentiment_score":-0.1693337145778868},{"text":"It's just yeah.","start":147.18,"end":147.98,"sentiment":"neutral","sentiment_score":-0.062010822196801506},{"text":"Whatever the that comes out direct 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fine.","start":176.67001,"end":177.57,"sentiment":"neutral","sentiment_score":-0.01775854080915451},{"text":"Okay.","start":204.79,"end":205.29,"sentiment":"neutral","sentiment_score":-0.03810285031795502},{"text":"K.","start":213.185,"end":213.685,"sentiment":"neutral","sentiment_score":0.008981673046946526},{"text":"Yeah.","start":213.745,"end":214.145,"sentiment":"neutral","sentiment_score":0.04309104010462761},{"text":"It is a lot.","start":214.145,"end":214.785,"sentiment":"neutral","sentiment_score":0.04654424823820591}],"sentiment":"neutral","sentiment_score":0.018292197129792638,"num_words":9,"start":176.67001,"end":214.785},{"sentences":[{"text":"It's gone up.","start":214.785,"end":215.505,"sentiment":"neutral","sentiment_score":0.04322667854527632},{"text":"Yep.","start":215.505,"end":216.005,"sentiment":"neutral","sentiment_score":0.08437943458557129},{"text":"What?","start":229.81,"end":230.31,"sentiment":"neutral","sentiment_score":0.036037106066942215},{"text":"Yep.","start":246.27501,"end":246.675,"sentiment":"neutral","sentiment_score":0.04281219840049744},{"text":"So it goes from what?","start":246.675,"end":247.63501,"sentiment":"neutral","sentiment_score":0.010792362317442895}],"sentiment":"neutral","sentiment_score":0.03153368966145949,"num_words":11,"start":214.785,"end":247.63501},{"sentences":[{"text":"$1.66 cover.","start":247.63501,"end":249.07501,"sentiment":"neutral","sentiment_score":-0.0035123946145176888},{"text":"So if something happens, $1.66 down to what?","start":249.07501,"end":251.315,"sentiment":"neutral","sentiment_score":0.0014358449261635542},{"text":"Just 100 straight 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yeah.","start":304.52502,"end":305.24503,"sentiment":"neutral","sentiment_score":-0.002661046882470449}],"sentiment":"neutral","sentiment_score":-0.03150162414054979,"num_words":22,"start":291.12,"end":305.24503},{"sentences":[{"text":"Okay.","start":305.24503,"end":305.48502,"sentiment":"neutral","sentiment_score":0.0018309075385332108},{"text":"No.","start":305.48502,"end":305.725,"sentiment":"neutral","sentiment_score":0.0037386473268270497},{"text":"That sounds 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fine.","start":356.155,"end":357.215,"sentiment":"neutral","sentiment_score":0.27851657196879387},{"text":"Yep.","start":365.675,"end":366.175,"sentiment":"neutral","sentiment_score":0.045784275978803635},{"text":"Yeah.","start":375.30002,"end":375.54,"sentiment":"neutral","sentiment_score":-0.0060745589435100555},{"text":"I have yep.","start":375.54,"end":376.36002,"sentiment":"neutral","sentiment_score":-0.007361243013292551},{"text":"Okay.","start":395.14502,"end":395.64502,"sentiment":"neutral","sentiment_score":0.012757359072566032}],"sentiment":"neutral","sentiment_score":0.11444496349431574,"num_words":10,"start":356.155,"end":395.64502},{"sentences":[{"text":"Yep.","start":416.845,"end":417.345,"sentiment":"neutral","sentiment_score":-0.006678165402263403},{"text":"No.","start":429.65,"end":430.15,"sentiment":"neutral","sentiment_score":-0.04843686148524285},{"text":"What's she sitting on?","start":430.69,"end":431.91,"sentiment":"neutral","sentiment_score":-0.04227244295179844},{"text":"Yeah.","start":432.53,"end":432.93,"sentiment":"neutral","sentiment_score":-0.019240040332078937},{"text":"She's sitting under just under 5, around 5 at the moment.","start":432.93,"end":436.015,"sentiment":"neutral","sentiment_score":-0.030514570969072254}],"sentiment":"neutral","sentiment_score":-0.0321725066492541,"num_words":18,"start":416.845,"end":436.015},{"sentences":[{"text":"Yep.","start":437.995,"end":438.495,"sentiment":"neutral","sentiment_score":0.03628259897232056},{"text":"I'm thinking what was the $8.51?","start":487.48,"end":490.3,"sentiment":"neutral","sentiment_score":-0.0030511090687165656},{"text":"Is it yeah.","start":491.32,"end":501.115,"sentiment":"neutral","sentiment_score":0.009074535686522722},{"text":"So am I saving anything if I drop it, though, really?","start":501.175,"end":503.895,"sentiment":"neutral","sentiment_score":-0.04163569516756318},{"text":"And Yep.","start":503.895,"end":528.125,"sentiment":"neutral","sentiment_score":0.010241448879241943}],"sentiment":"neutral","sentiment_score":-0.017056965107179207,"num_words":23,"start":437.995,"end":528.125},{"sentences":[{"text":"Yep.","start":533.545,"end":534.03,"sentiment":"neutral","sentiment_score":0.031004298478364944},{"text":"Yeah.","start":534.59,"end":534.99005,"sentiment":"neutral","sentiment_score":-0.001259656623005867},{"text":"That might be about 72, 74.","start":534.99005,"end":536.75,"sentiment":"neutral","sentiment_score":-0.020359473768621683},{"text":"It hasn't gone anywhere near 80.","start":536.75,"end":538.91003,"sentiment":"neutral","sentiment_score":-0.060671741142868996},{"text":"Like, I'm still way under 80.","start":538.91003,"end":540.35004,"sentiment":"neutral","sentiment_score":-0.05782292534907659}],"sentiment":"neutral","sentiment_score":-0.040169009985402224,"num_words":20,"start":533.545,"end":540.35004},{"sentences":[{"text":"So yeah.","start":540.35004,"end":540.83,"sentiment":"neutral","sentiment_score":-0.021267004311084747},{"text":"No.","start":540.83,"end":541.23004,"sentiment":"neutral","sentiment_score":-0.043190497905015945},{"text":"That's that's right.","start":541.23004,"end":542.37006,"sentiment":"neutral","sentiment_score":-0.0025740233249962334},{"text":"Oh, good.","start":549.455,"end":550.115,"sentiment":"neutral","sentiment_score":0.2305833026766777},{"text":"Great.","start":550.335,"end":550.735,"sentiment":"positive","sentiment_score":0.3778054118156433}],"sentiment":"neutral","sentiment_score":0.08283616007409161,"num_words":9,"start":540.35004,"end":550.735},{"sentences":[{"text":"So I'm happy.","start":550.735,"end":551.555,"sentiment":"positive","sentiment_score":0.4157228171825409},{"text":"Yep.","start":558.89996,"end":559.39996,"sentiment":"neutral","sentiment_score":0.03694785386323929},{"text":"Okay.","start":566.1,"end":566.6,"sentiment":"neutral","sentiment_score":0.009777010418474674},{"text":"So you can drop that one.","start":569.7,"end":571.39996,"sentiment":"neutral","sentiment_score":0.036695643017689385},{"text":"A 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that.","start":584.29004,"end":585.01,"sentiment":"neutral","sentiment_score":0.00013869131604830423},{"text":"Alright.","start":585.01,"end":585.33,"sentiment":"neutral","sentiment_score":-0.019070696085691452},{"text":"So I thought they did say that I was overpaying on that one.","start":585.33,"end":588.77,"sentiment":"neutral","sentiment_score":-0.15415321405117327},{"text":"That must've been the one they did say I was overpaying the premium because it's only 75% and I was paying more.","start":588.77,"end":593.81,"sentiment":"neutral","sentiment_score":-0.18828776715831322},{"text":"So yeah.","start":593.81,"end":594.21,"sentiment":"neutral","sentiment_score":-0.07014238275587559}],"sentiment":"neutral","sentiment_score":-0.15378687921457174,"num_words":41,"start":584.29004,"end":594.21},{"sentences":[{"text":"No.","start":594.21,"end":594.29004,"sentiment":"neutral","sentiment_score":-0.13655169308185575},{"text":"If you can drop that one, definitely drop that one in.","start":594.29004,"end":596.565,"sentiment":"neutral","sentiment_score":-0.07795405489477245},{"text":"Yep.","start":599.765,"end":600.265,"sentiment":"neutral","sentiment_score":-0.0047852820716798306},{"text":"Yep.","start":606.805,"end":607.305,"sentiment":"neutral","sentiment_score":0.03512086719274521},{"text":"Yeah.","start":611.205,"end":611.705,"sentiment":"neutral","sentiment_score":0.02310890518128872}],"sentiment":"neutral","sentiment_score":-0.06270678710813324,"num_words":15,"start":594.21,"end":611.705},{"sentences":[{"text":"Yeah.","start":612.72003,"end":612.96,"sentiment":"neutral","sentiment_score":0.052389323711395264},{"text":"Yeah.","start":612.96,"end":613.2,"sentiment":"neutral","sentiment_score":0.0622841939330101},{"text":"Yeah.","start":613.2,"end":613.52,"sentiment":"neutral","sentiment_score":0.06123478710651398},{"text":"I just yeah.","start":613.52,"end":614.16003,"sentiment":"neutral","sentiment_score":0.05448458343744278},{"text":"If something happens, I just need Scott to be covered and because we actually have three dependents.","start":614.16003,"end":620.08,"sentiment":"neutral","sentiment_score":0.04638129417948863}],"sentiment":"neutral","sentiment_score":0.04903669809193715,"num_words":23,"start":612.72003,"end":620.08},{"sentences":[{"text":"I have my oldest son who's 24 living at home as well.","start":620.08,"end":623.46,"sentiment":"neutral","sentiment_score":0.05041846136252085},{"text":"So if something happens, he's basically gotta cover that kid as well even though he's not a dependent, if you know what I mean.","start":623.85504,"end":630.73505,"sentiment":"neutral","sentiment_score":0.04104533380207916},{"text":"So yeah.","start":630.73505,"end":631.47504,"sentiment":"neutral","sentiment_score":0.042186737060546875},{"text":"We have three children, but I well, I have four, but I need three live at home.","start":631.935,"end":635.29504,"sentiment":"neutral","sentiment_score":0.03842985980650958},{"text":"So, yeah, the older kid is with me.","start":635.29504,"end":637.05505,"sentiment":"neutral","sentiment_score":0.04805328231304884}],"sentiment":"neutral","sentiment_score":0.0430510618561317,"num_words":63,"start":620.08,"end":637.05505},{"sentences":[{"text":"So, yeah, I gotta sort of cover that one as well.","start":637.05505,"end":639.75,"sentiment":"neutral","sentiment_score":0.06943159533495252},{"text":"Yep.","start":640.39,"end":640.89,"sentiment":"neutral","sentiment_score":0.15523092448711395},{"text":"Yeah.","start":641.11,"end":641.35,"sentiment":"neutral","sentiment_score":0.16225391626358032},{"text":"And it would help dad pay off his all of his student loans and whatnot as well.","start":641.35,"end":645.43,"sentiment":"neutral","sentiment_score":0.1610292936949169},{"text":"So, you know, I sorta need that one as 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great.","start":656.785,"end":657.605,"sentiment":"positive","sentiment_score":0.5782516996065775},{"text":"Yep.","start":660.225,"end":660.725,"sentiment":"neutral","sentiment_score":0.05786093696951866},{"text":"Yep.","start":666.2,"end":666.7,"sentiment":"neutral","sentiment_score":0.06705325096845627}],"sentiment":"neutral","sentiment_score":0.2828151383860545,"num_words":11,"start":647.27,"end":666.7},{"sentences":[{"text":"Yep.","start":669.32,"end":669.82,"sentiment":"neutral","sentiment_score":0.13993406295776367},{"text":"Just keep says 20 eight.","start":671.96,"end":673.74,"sentiment":"neutral","sentiment_score":0.06161460503935814},{"text":"Okay.","start":677.96,"end":678.46,"sentiment":"neutral","sentiment_score":0.11609508842229845},{"text":"Cool.","start":678.60004,"end":678.92004,"sentiment":"neutral","sentiment_score":0.1571279764175415},{"text":"Sounds good.","start":678.92004,"end":679.82,"sentiment":"negative","sentiment_score":-0.4905279129743576}],"sentiment":"neutral","sentiment_score":-0.02598256729543209,"num_words":10,"start":669.32,"end":679.82},{"sentences":[{"text":"Yeah.","start":685.535,"end":685.77496,"sentiment":"negative","sentiment_score":-0.549787163734436},{"text":"So it's not worth even putting so to me, to be honest with you.","start":685.77496,"end":688.415,"sentiment":"negative","sentiment_score":-0.5849857096161161},{"text":"No.","start":688.415,"end":688.575,"sentiment":"neutral","sentiment_score":-0.233717143535614},{"text":"That sounds good.","start":688.575,"end":689.21497,"sentiment":"neutral","sentiment_score":0.20734242846568426},{"text":"Yep.","start":689.21497,"end":689.71497,"sentiment":"neutral","sentiment_score":0.16004037857055664}],"sentiment":"negative","sentiment_score":-0.4095618288964033,"num_words":20,"start":685.535,"end":689.71497},{"sentences":[{"text":"Yep.","start":695.81,"end":696.31,"sentiment":"neutral","sentiment_score":0.0737038254737854},{"text":"Yep.","start":697.08997,"end":697.58997,"sentiment":"neutral","sentiment_score":0.12025918811559676},{"text":"Yep.","start":701.81,"end":702.31,"sentiment":"neutral","sentiment_score":0.19976410269737244},{"text":"Yep.","start":704.69,"end":705.01,"sentiment":"neutral","sentiment_score":0.08711029589176178},{"text":"And do I will I need to do anything with the AII?","start":705.01,"end":707.41,"sentiment":"neutral","sentiment_score":0.025225152261555195}],"sentiment":"neutral","sentiment_score":0.04897120245732367,"num_words":16,"start":695.81,"end":707.41},{"sentences":[{"text":"Or do you guys do that, and then it will just wanna make you Yep.","start":707.41,"end":714.64496,"sentiment":"neutral","sentiment_score":0.05575163513422012},{"text":"Yep.","start":715.505,"end":715.82495,"sentiment":"neutral","sentiment_score":0.20292434096336365},{"text":"And then they should just automatically do it with the next next month's payments or whenever it comes out.","start":715.82495,"end":719.985,"sentiment":"neutral","sentiment_score":0.22770721269281288},{"text":"So yep.","start":719.985,"end":720.88495,"sentiment":"neutral","sentiment_score":0.13003700226545334},{"text":"Another month.","start":731.7,"end":732.60004,"sentiment":"neutral","sentiment_score":0.00597742572426796}],"sentiment":"neutral","sentiment_score":0.14455550679793724,"num_words":39,"start":707.41,"end":732.60004},{"sentences":[{"text":"Okay.","start":734.10004,"end":734.42004,"sentiment":"neutral","sentiment_score":0.08029729127883911},{"text":"Yeah.","start":734.42004,"end":734.58,"sentiment":"neutral","sentiment_score":0.10550448298454285},{"text":"That sounds fine.","start":734.58,"end":735.30005,"sentiment":"neutral","sentiment_score":0.1718267947435379},{"text":"Next last year, that's fine.","start":735.30005,"end":736.42004,"sentiment":"neutral","sentiment_score":0.11389011889696121},{"text":"Thank you so much for Yeah.","start":736.42004,"end":749.615,"sentiment":"positive","sentiment_score":0.44615393814941245}],"sentiment":"neutral","sentiment_score":0.24672852386720479,"num_words":16,"start":734.10004,"end":749.615},{"sentences":[{"text":"I sort of do need to do a will, to be honest.","start":749.615,"end":751.71,"sentiment":"neutral","sentiment_score":0.012599597529818615},{"text":"Okay then.","start":763.79004,"end":764.61005,"sentiment":"neutral","sentiment_score":0.13232488557696342},{"text":"Okay.","start":775.845,"end":776.345,"sentiment":"neutral","sentiment_score":0.05467786639928818},{"text":"And what?","start":780.83997,"end":781.24,"sentiment":"neutral","sentiment_score":-0.01539037935435772},{"text":"You just get it signed off by JP?","start":781.24,"end":782.6,"sentiment":"neutral","sentiment_score":-0.00025880930479615927}],"sentiment":"neutral","sentiment_score":0.017506862990558147,"num_words":25,"start":749.615,"end":782.6},{"sentences":[{"text":"Is that how they do it?","start":782.6,"end":783.82,"sentiment":"neutral","sentiment_score":0.01707535159463684},{"text":"Oh, it's okay.","start":786.6,"end":787.4,"sentiment":"neutral","sentiment_score":0.18490811189015707},{"text":"That's fine.","start":787.4,"end":787.88,"sentiment":"positive","sentiment_score":0.3485839366912842},{"text":"I might actually do it.","start":787.88,"end":788.52,"sentiment":"neutral","sentiment_score":0.303273606300354},{"text":"I didn't even know that was available.","start":788.52,"end":790.14,"sentiment":"neutral","sentiment_score":0.04932462530476706}],"sentiment":"neutral","sentiment_score":0.1398254229241739,"num_words":23,"start":782.6,"end":790.14},{"sentences":[{"text":"Thank you for that.","start":790.2,"end":791.0,"sentiment":"positive","sentiment_score":0.6172985434532166},{"text":"Didn't even know that was available.","start":791.0,"end":792.38,"sentiment":"neutral","sentiment_score":0.05686401451627413},{"text":"Yeah.","start":801.92505,"end":802.245,"sentiment":"neutral","sentiment_score":0.018939686939120293},{"text":"I think we my partner and I both don't have one, and we have two other children and two younger children.","start":802.245,"end":806.80505,"sentiment":"neutral","sentiment_score":-0.07848746081193288},{"text":"So the the game is they're two older ones to look after them when they go, but that could change.","start":806.80505,"end":811.23,"sentiment":"neutral","sentiment_score":-0.06525346953421832}],"sentiment":"neutral","sentiment_score":-0.002384386920871643,"num_words":52,"start":790.2,"end":811.23},{"sentences":[{"text":"Yep.","start":820.91,"end":821.41,"sentiment":"neutral","sentiment_score":0.17657916247844696},{"text":"Oh, okay.","start":831.445,"end":838.665,"sentiment":"neutral","sentiment_score":0.20963284373283386},{"text":"Yep.","start":840.0,"end":840.32,"sentiment":"neutral","sentiment_score":0.09977100789546968},{"text":"No.","start":840.32,"end":840.56,"sentiment":"neutral","sentiment_score":0.00938750058412552},{"text":"I might actually think about doing it for myself and him because he sort of do need because we're both getting that a little bit older.","start":840.56,"end":845.68,"sentiment":"neutral","sentiment_score":-0.016986688742270835}],"sentiment":"neutral","sentiment_score":0.008495143584666713,"num_words":31,"start":820.91,"end":845.68},{"sentences":[{"text":"So yeah.","start":845.68,"end":846.89996,"sentiment":"neutral","sentiment_score":0.12512268871068954},{"text":"Definitely.","start":846.95996,"end":847.45996,"sentiment":"neutral","sentiment_score":0.22773556411266327},{"text":"Yep.","start":854.355,"end":854.855,"sentiment":"neutral","sentiment_score":0.10894829034805298},{"text":"No.","start":856.595,"end":856.995,"sentiment":"neutral","sentiment_score":-0.04768196493387222},{"text":"I think Scott has he's still the 100% beneficiary on all those forms.","start":856.995,"end":861.155,"sentiment":"neutral","sentiment_score":0.030741351155134346}],"sentiment":"neutral","sentiment_score":0.05216026844249831,"num_words":18,"start":845.68,"end":861.155},{"sentences":[{"text":"He should still be.","start":861.155,"end":862.195,"sentiment":"neutral","sentiment_score":0.06360925594344735},{"text":"I think I haven't changed anything, have I?","start":862.195,"end":864.275,"sentiment":"neutral","sentiment_score":-0.08441659715026617},{"text":"Can you guys still see that?","start":864.275,"end":865.975,"sentiment":"neutral","sentiment_score":-0.03868561921020349},{"text":"Yep.","start":869.49,"end":869.81,"sentiment":"neutral","sentiment_score":0.07964526116847992},{"text":"Yep.","start":869.81,"end":870.05,"sentiment":"neutral","sentiment_score":0.12442278861999512}],"sentiment":"neutral","sentiment_score":-0.02244707094505429,"num_words":20,"start":861.155,"end":870.05},{"sentences":[{"text":"Definitely.","start":870.05,"end":870.45,"sentiment":"neutral","sentiment_score":0.3010382354259491},{"text":"He's still the main one.","start":870.45,"end":872.05,"sentiment":"neutral","sentiment_score":0.19756533503532409},{"text":"So I'll just leave him as that.","start":872.05,"end":873.25,"sentiment":"neutral","sentiment_score":0.165644856435912},{"text":"And then if I just get and get a wool kit from the post office, I'll just still leave him and just do what I need to do for the kids.","start":873.25,"end":879.66504,"sentiment":"neutral","sentiment_score":0.12358724926748584},{"text":"No.","start":879.66504,"end":879.825,"sentiment":"neutral","sentiment_score":0.1675119698047638}],"sentiment":"neutral","sentiment_score":0.1432687911722395,"num_words":45,"start":870.05,"end":879.825},{"sentences":[{"text":"That sounds good.","start":879.825,"end":880.305,"sentiment":"positive","sentiment_score":0.354902446269989},{"text":"As long as he's still on me, that's the main thing because we talked about the other day.","start":880.305,"end":883.065,"sentiment":"neutral","sentiment_score":0.09789158010648356},{"text":"If something does happen, as long as he's on there still and I'm on his, so that's fine.","start":883.065,"end":886.865,"sentiment":"neutral","sentiment_score":0.10695176592303647},{"text":"That's cool.","start":886.865,"end":887.525,"sentiment":"positive","sentiment_score":0.5246990919113159},{"text":"Yep.","start":890.78503,"end":891.28503,"sentiment":"neutral","sentiment_score":0.13458049297332764}],"sentiment":"neutral","sentiment_score":0.1413301486699354,"num_words":42,"start":879.825,"end":891.28503},{"sentences":[{"text":"Yep.","start":897.06,"end":897.56,"sentiment":"neutral","sentiment_score":0.04418979212641716},{"text":"Yep.","start":903.14,"end":903.46,"sentiment":"neutral","sentiment_score":0.025030624121427536},{"text":"And I go on.","start":903.46,"end":904.02,"sentiment":"neutral","sentiment_score":0.008488524472340941},{"text":"Yep.","start":904.02,"end":904.42,"sentiment":"neutral","sentiment_score":-0.006970606278628111},{"text":"I don't have I can't access it.","start":904.42,"end":906.26,"sentiment":"neutral","sentiment_score":-0.1118332999093192}],"sentiment":"neutral","sentiment_score":-0.04904494225047529,"num_words":14,"start":897.06,"end":906.26},{"sentences":[{"text":"I know you guys can.","start":906.26,"end":907.22,"sentiment":"neutral","sentiment_score":-0.043407440185546875},{"text":"That's cool.","start":907.22,"end":907.96,"sentiment":"positive","sentiment_score":0.34514757990837097},{"text":"Okay.","start":914.115,"end":914.615,"sentiment":"neutral","sentiment_score":0.011553015559911728},{"text":"Sir, I'm not working today.","start":916.355,"end":917.475,"sentiment":"neutral","sentiment_score":-0.1674131155014038},{"text":"It's all good.","start":917.475,"end":918.035,"sentiment":"neutral","sentiment_score":0.12086239208777745}],"sentiment":"neutral","sentiment_score":0.0006457858253270388,"num_words":16,"start":906.26,"end":918.035},{"sentences":[{"text":"No problem.","start":918.035,"end":918.69495,"sentiment":"neutral","sentiment_score":0.18028544634580612},{"text":"Okay.","start":934.70996,"end":935.20996,"sentiment":"neutral","sentiment_score":0.026234854012727737},{"text":"Oh, gosh.","start":935.82996,"end":936.49,"sentiment":"neutral","sentiment_score":0.03816036693751812},{"text":"Takes time.","start":940.465,"end":941.285,"sentiment":"neutral","sentiment_score":-0.07839112728834152},{"text":"I would do.","start":942.225,"end":942.865,"sentiment":"neutral","sentiment_score":0.029615355655550957}],"sentiment":"neutral","sentiment_score":0.039519029296934606,"num_words":10,"start":918.035,"end":942.865},{"sentences":[{"text":"Yeah.","start":942.865,"end":943.185,"sentiment":"neutral","sentiment_score":0.032863035798072815},{"text":"I can imagine.","start":943.185,"end":943.905,"sentiment":"neutral","sentiment_score":0.032642883559068046},{"text":"When I do the same thing for work, you're gonna yeah.","start":943.905,"end":945.985,"sentiment":"neutral","sentiment_score":0.01649285073984753},{"text":"Just as you mean to.","start":945.985,"end":947.205,"sentiment":"neutral","sentiment_score":0.01754289474338293},{"text":"Yeah.","start":975.175,"end":975.495,"sentiment":"neutral","sentiment_score":0.06337559223175049}],"sentiment":"neutral","sentiment_score":0.022062052883917375,"num_words":21,"start":942.865,"end":975.495},{"sentences":[{"text":"I did.","start":975.495,"end":976.07495,"sentiment":"neutral","sentiment_score":0.06378888711333275},{"text":"Hope.","start":982.535,"end":982.86,"sentiment":"neutral","sentiment_score":0.0830451101064682},{"text":"So it won't if something does happen and there is like, I don't have a will in place, he will still be okay.","start":988.06,"end":993.42,"sentiment":"neutral","sentiment_score":0.042200407094281654},{"text":"That's the main thing because I said we don't have wills the other day when I was talking to Kyle, and I actually thought about it if something happens.","start":993.42,"end":999.135,"sentiment":"neutral","sentiment_score":-0.010324341662485024},{"text":"Yeah.","start":999.915,"end":1000.235,"sentiment":"neutral","sentiment_score":0.0009340234100818634}],"sentiment":"neutral","sentiment_score":0.015763577905350497,"num_words":56,"start":975.495,"end":1000.235},{"sentences":[{"text":"Because I have had stories that they all can't get any money even after I've gone.","start":1000.235,"end":1003.835,"sentiment":"neutral","sentiment_score":-0.05103232362307608},{"text":"So, no, that's fine.","start":1003.835,"end":1004.395,"sentiment":"neutral","sentiment_score":0.013022030238062143},{"text":"As long as it's legally binding, it's a 100%.","start":1004.395,"end":1006.395,"sentiment":"neutral","sentiment_score":0.05463271256950167},{"text":"That's fine.","start":1006.395,"end":1006.875,"sentiment":"neutral","sentiment_score":0.11217978596687317},{"text":"That's cool.","start":1006.875,"end":1007.515,"sentiment":"neutral","sentiment_score":0.30520372092723846}],"sentiment":"neutral","sentiment_score":0.017031283936265743,"num_words":33,"start":1000.235,"end":1007.515},{"sentences":[{"text":"Sweet.","start":1007.515,"end":1007.94,"sentiment":"neutral","sentiment_score":0.24981456995010376},{"text":"Okay.","start":1014.34,"end":1014.84,"sentiment":"neutral","sentiment_score":0.08494918048381805},{"text":"Yep.","start":1015.46,"end":1015.78,"sentiment":"neutral","sentiment_score":0.0650901049375534},{"text":"There we go.","start":1015.78,"end":1018.44,"sentiment":"neutral","sentiment_score":0.03568910683194796},{"text":"Yep.","start":1019.22003,"end":1019.46,"sentiment":"neutral","sentiment_score":0.09240809082984924}],"sentiment":"neutral","sentiment_score":0.08561846667102405,"num_words":7,"start":1007.515,"end":1019.46},{"sentences":[{"text":"I think he's still he should be a 100%.","start":1019.46,"end":1021.3,"sentiment":"neutral","sentiment_score":0.10030815170870887},{"text":"That's my thing.","start":1021.3,"end":1021.78,"sentiment":"neutral","sentiment_score":0.07086455449461937},{"text":"Yeah.","start":1021.78,"end":1021.94,"sentiment":"neutral","sentiment_score":0.025606472045183185},{"text":"No.","start":1021.94,"end":1022.205,"sentiment":"neutral","sentiment_score":-0.015675533562898636},{"text":"It's my thing.","start":1022.205,"end":1022.60504,"sentiment":"neutral","sentiment_score":-0.034641847014427185}],"sentiment":"neutral","sentiment_score":0.060080730958896524,"num_words":17,"start":1019.46,"end":1022.60504},{"sentences":[{"text":"I because my mother-in-law passed away, her husband, and they had so much time because she wasn't on the well, then, yeah, I was just thinking about it.","start":1022.60504,"end":1029.965,"sentiment":"neutral","sentiment_score":-0.06352412793785334},{"text":"We're gonna need to get that sorted.","start":1029.965,"end":1031.165,"sentiment":"neutral","sentiment_score":-0.04589031956025532},{"text":"So yep.","start":1031.165,"end":1031.485,"sentiment":"neutral","sentiment_score":0.006822284311056137},{"text":"No.","start":1031.485,"end":1031.645,"sentiment":"neutral","sentiment_score":0.01706647127866745},{"text":"That's fine.","start":1031.645,"end":1032.125,"sentiment":"neutral","sentiment_score":0.04843025468289852}],"sentiment":"neutral","sentiment_score":-0.0493084067478776,"num_words":40,"start":1022.60504,"end":1032.125},{"sentences":[{"text":"Thank you so much for that.","start":1032.125,"end":1033.505,"sentiment":"positive","sentiment_score":0.42462412019570667},{"text":"No.","start":1036.48,"end":1036.72,"sentiment":"neutral","sentiment_score":0.1784580945968628},{"text":"If you can drop all those payments, it would be so much so lovely.","start":1036.72,"end":1040.4199,"sentiment":"positive","sentiment_score":0.34246006182261873},{"text":"But, yeah, other than that, that's great.","start":1040.96,"end":1042.6599,"sentiment":"neutral","sentiment_score":0.22765827924013138},{"text":"Perfect.","start":1042.72,"end":1043.12,"sentiment":"positive","sentiment_score":0.6482362747192383}],"sentiment":"positive","sentiment_score":0.33663751416165255,"num_words":29,"start":1032.125,"end":1043.12},{"sentences":[{"text":"Thank you so much for that.","start":1043.12,"end":1044.2369,"sentiment":"positive","sentiment_score":0.8238238294919332},{"text":"Yep.","start":1049.757,"end":1050.157,"sentiment":"positive","sentiment_score":0.4476156234741211},{"text":"Awesome.","start":1050.157,"end":1050.397,"sentiment":"positive","sentiment_score":0.8458656072616577},{"text":"Thank you so much for that.","start":1050.397,"end":1051.6769,"sentiment":"positive","sentiment_score":0.8848024507363638},{"text":"Cool.","start":1051.6769,"end":1052.1769,"sentiment":"positive","sentiment_score":0.7957848310470581}],"sentiment":"positive","sentiment_score":0.8227349162101746,"num_words":15,"start":1043.12,"end":1052.1769},{"sentences":[{"text":"Bye.","start":1053.1969,"end":1053.6969,"sentiment":"neutral","sentiment_score":-0.11370562762022018}],"sentiment":"neutral","sentiment_score":-0.11370562762022018,"num_words":1,"start":1053.1969,"end":1053.6969}]}}]}],"paragraphs":{"transcript":"\nChannel 1: If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Tommy calling from Oakview Financial.\n\nChannel 1: Hello. Speaking.\n\nChannel 0: Good morning, Lynn. It's Tommy here from Oakview Financial. How are you doing today?\n\nChannel 1: I'm good.\n\nChannel 0: Great to hear. Great to hear. I'm one of the senior advisers. I was just giving you a call to go through some insurance quotes that Kyle put together for you if you still\n\nChannel 1: Yep.\n\nChannel 0: have a bit of time for me.\n\nChannel 1: Yep. Sorry. Yep.\n\nChannel 0: Perfect. Just usual process, are you okay for this call to be recorded? Awesome. And we don't have a security question on file. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Around 07/02/1977 in 14 yard prison, all my homes Queensland, Porto.\n\nChannel 0: Amazing, Lynn. Thank you. And I'm registered with Asic as adviser one 273105.\n\nChannel 1: Cool.\n\nChannel 0: Now, Lynn, I'm looking through the notes from Kyle. I had a bit of a chat to him, and he's currently away at the moment. So I just wanted\n\nChannel 1: Yep.\n\nChannel 0: to jump at this chance to go through these reductions with you just to get the prices down for the insurances. He does have some notes here just looking to reduce the risk of the super as well. So there's two main things to focus on at the moment. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Perfect. So we're putting together a bit of an updated plan on the risk reduction, and I have these quotes back. Now are you pretty familiar with all of the insurances that you do have currently with AIA?\n\nChannel 1: Yeah. Sort of. Not really. That's sort of gone up and changed and, yeah, since I sort of laughed. I haven't actually had any con correspondence from them for a while.\n\nSo yeah. Three\n\nChannel 0: That's\n\nChannel 1: o'clock.\n\nChannel 0: okay. I will put together with the updated advice. I'll put together a review pack for you, and that's gonna include your certificates of currency so you know what the policy is currently sitting at.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Now I'll give you a bit of an easy breakdown here. So you you're paying quite a lot in insurances. Your premiums are quite high. Obviously, age is a factor as well. Now you have all four main covers.\n\nSo you have life insurance, total disability, income protection, and trauma. Do those ring a bell?\n\nChannel 1: Yep. Yep. Hold on. Yep.\n\nChannel 0: Yep. Perfect. So the main ones out of pocket, they're looking quite high because you're paying them out of pocket on a monthly basis.\n\nChannel 1: Yeah. We are. I don't know how much that I owe anymore. It's just yeah. Whatever the that comes out direct debit.\n\nSo whatever it is, we just bump it up to whatever it is. So yeah.\n\nChannel 0: So there's a couple of people on the policy in addition to yourself. You do have, like, family protection, which includes it's\n\nChannel 1: Should be my\n\nChannel 0: Samuel\n\nChannel 1: son and my daughter. Yep. My two\n\nChannel 0: and\n\nChannel 1: youngest\n\nChannel 0: Sarah.\n\nChannel 1: children. Yep. Yep.\n\nChannel 0: Yep. That's it. Now those family protection portions for $16,000 each, they're only a dollar 62 a month, so I'm not too concerned\n\nChannel 1: No.\n\nChannel 0: about\n\nChannel 1: No. No. That's\n\nChannel 0: those.\n\nChannel 1: fine.\n\nChannel 0: Now it's the trauma portion of it that's a bit concerning because it's a 166,000 of critical illness. So if you get diagnosed with a heart attack, stroke, cancer, here's a bit of a lump sum, as well as a multitude of other conditions you can be diagnosed with from organ failure, blindness, all that kind of thing. So anything that doesn't fit within a death or total disability kind of fits into this one.\n\nChannel 1: Okay.\n\nChannel 0: Now the premium for it, however, is $229 a month out of pocket.\n\nChannel 1: K. Yeah. It is a lot. It's gone up. Yep.\n\nChannel 0: Yeah. Now we did a couple of quotes. The the one that really stands out to me is if you dropped it from a 160,000 to a 100,000 flat, it goes from $2.30 a month to $1.40.\n\nChannel 1: What?\n\nChannel 0: So that's a like for like kind of 40% reduction in covering cost. And that, I guess, sounds a little bit more reasonable, but I'm guided by you on what you can afford. How does that sound?\n\nChannel 1: Yep. So it goes from what? $1.66 cover. So if something happens, $1.66 down to what? Just 100 straight flat.\n\nChannel 0: Correct. Both family protections remain the same. It's\n\nChannel 1: Check\n\nChannel 0: just\n\nChannel 1: here\n\nChannel 0: the\n\nChannel 1: and\n\nChannel 0: one\n\nChannel 1: see what's\n\nChannel 0: 60\n\nChannel 1: going\n\nChannel 0: six\n\nChannel 1: on\n\nChannel 0: and\n\nChannel 1: now.\n\nChannel 0: the 100. Yep.\n\nChannel 1: So I lose $66,000 if I do get something that's not covered, like a heart attack or something. Well, that sounds that sounds great. I like the sound of that one.\n\nChannel 0: Correct.\n\nChannel 1: That's\n\nChannel 0: Okay.\n\nChannel 1: just\n\nChannel 0: So\n\nChannel 1: to one to $1.40 a\n\nChannel 0: yeah.\n\nChannel 1: month.\n\nChannel 0: $2.02 29 down to $1.40.\n\nChannel 1: Jesus. Yep. Okay. Can we change that one? Because, yeah,\n\nChannel 0: Yep.\n\nChannel 1: I don't\n\nChannel 0: Absolutely.\n\nChannel 1: I don't I don't I don't think well, touch wood. I don't have any major health problems or anything. I've just had a bit of a checkup. So yeah. No.\n\nWe'll do that. If you can drop that one, that\n\nChannel 0: And\n\nChannel 1: would give up in\n\nChannel 0: the\n\nChannel 1: my\n\nChannel 0: cool thing with reductions is you don't have to go through underwriting, so there's no additional health checks to reduce cover. It's only\n\nChannel 1: Okay.\n\nChannel 0: if you're trying to increase or get new cover.\n\nChannel 1: I said, yeah. Okay. No. That sounds fine. Yep.\n\nYep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: That's the I don't think anything's gonna happen. So and I'm still covered anyway. Because is that quite the standard? Because I thought I was paying they did say I was paying extra for that even though I was really not getting any better photos in my mind.\n\nChannel 0: Yeah. The standard we usually range it between 100,000 and 200,000 depending on age and affordability. So I think\n\nChannel 1: Yep.\n\nChannel 0: a 100 I do a lot of a $100,000 quotes, which is, you know, partners can spend a bit of time looking after you if you have a heart attack. You can pay for private private not health cover, but private treatment, which is a lot faster. So it's it's definitely a good one, and the average that you need is between one to two hundred.\n\nChannel 1: Okay. Yeah. No. A 100 sounds good because I've still got a lot of, and I'm covered under work cover as well. So that's fine.\n\nSo that's cool. Yep. No. That sounds good. A\n\nChannel 0: Yep.\n\nChannel 1: 100 is fine.\n\nChannel 0: Now when it comes to health side of things, we did do some research to try and find some cheaper providers, especially for the cover that's paid through your super.\n\nChannel 1: Yep.\n\nChannel 0: The only thing that I can note was that you had the somewhat recent diagnosis of the iliotibial band syndrome for the, I think, the knees.\n\nChannel 1: Yeah. I have yep.\n\nChannel 0: Yep. So based on that, I probably wouldn't switch providers necessarily because the new policy, full underwriting, you'd probably get, like, a a a specific knee exclusion on that part of your body that you don't currently have on your AIA policy.\n\nChannel 1: Okay.\n\nChannel 0: But when it comes to the reductions, we had some reduction quotes for the super cover as well, which was basically the last thing I wanted to run you through. So when it comes to the life disability and income protection, you have just under 1,100,000 of life insurance and total disability, which\n\nChannel 1: Yep.\n\nChannel 0: that's your lump sum cover. Pass away, can never work again, a bit more than 1,000,000 plus your super on top. Now I think the mortgage car noted down was under 400,000 now.\n\nChannel 1: No. What's she sitting on? Yeah. She's sitting under just under 5, around 5 at the moment.\n\nChannel 0: Around 5. Alright.\n\nChannel 1: Yep.\n\nChannel 0: So let's say in that scenario, you have the mortgage paid off plus half $1,000,000 plus your super there. Now that combined is just under 4,000 coming out of the super per year. I did look at, with Kyle, some reductions to 850,000 and a reduction to 750,000. Now going down to the 750,000 brings it from about 4,000 to about $222,300. So that's a pretty decent savings there, but it's not your most expensive cover.\n\nSo I just wanted to run by you. Do you do you feel like the million is still kind of what you would need, or do you like the sound of dropping it down that far?\n\nChannel 1: I'm thinking what was the $8.51?\n\nChannel 0: So the 8\n\nChannel 1: Is\n\nChannel 0: 50\n\nChannel 1: it\n\nChannel 0: one was, like, 3,000. So it goes from, like, 4 to 3 to 2.2.\n\nChannel 1: yeah. So am I saving anything if I drop it, though, really? And\n\nChannel 0: Not particularly. The main one that worries me more is the income protection because that's seven and a half out of out of your super. Yes. It gets a 15% rebate. That's lovely.\n\nBut seven and a half for $5,900 worth of cover. Now you have a really beautiful old policy which covers you for 75% of your income.\n\nChannel 1: Yep.\n\nChannel 0: But I think I had your income noted down at about 72,000 per annum. Does\n\nChannel 1: Yep.\n\nChannel 0: that sound about right?\n\nChannel 1: Yeah. That might be about 72, 74. It hasn't gone anywhere near 80. Like, I'm still way under 80. So yeah.\n\nNo. That's\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: So\n\nChannel 1: right.\n\nChannel 0: what's happening is that cover's slowly increasing every year as well, which means that you're technically over insured for the income protection quite a bit.\n\nChannel 1: Oh, good. Great.\n\nChannel 0: It does\n\nChannel 1: So\n\nChannel 0: cover\n\nChannel 1: I'm happy.\n\nChannel 0: super on top, like a retirement optimizer, so they pay some of your super contributions, which minimizes that a little bit. But\n\nChannel 1: Yep.\n\nChannel 0: based on your current income, you probably need cover more like 4,500 a month, not 5,900, give or\n\nChannel 1: Okay.\n\nChannel 0: take a bit of super contributions on top.\n\nChannel 1: So you can drop that one.\n\nChannel 0: Yeah. And so that one dropping down, that probably saves another 1,500.\n\nChannel 1: A year.\n\nChannel 0: Correct.\n\nChannel 1: Jesus. Yeah. No.\n\nChannel 0: So\n\nChannel 1: You definitely\n\nChannel 0: that\n\nChannel 1: drop\n\nChannel 0: one's\n\nChannel 1: that one\n\nChannel 0: okay? Yep.\n\nChannel 1: in. Yeah. Definitely drop that. Alright. So I thought they did say that I was overpaying on that one.\n\nThat must've been the one they did say I was overpaying the premium because it's only 75% and I was paying more. So yeah. No. If you can drop that one, definitely drop that one in.\n\nChannel 0: Yep. So IP and trauma, that's fine. And then, again,\n\nChannel 1: Yep.\n\nChannel 0: when it comes to life and TPD, if you dropped it a bit, it would go down a thousand or 2,000 depending on how far you wanna go. Do you wanna\n\nChannel 1: Yep.\n\nChannel 0: leave that one alone for another year until you pay down more of the mortgage, or do you wanna give that a\n\nChannel 1: Yeah.\n\nChannel 0: bit of a trip?\n\nChannel 1: Yeah. Yeah. Yeah. I just yeah. If something happens, I just need Scott to be covered and because we actually have three dependents.\n\nI have my oldest son who's 24 living at home as well. So if something happens, he's basically gotta\n\nChannel 0: Yes.\n\nChannel 1: cover that kid as well even though he's not a dependent, if you know what I mean. So yeah. We have three children, but I well, I have four, but I need three live at home. So, yeah, the older kid is with me. So, yeah, I gotta\n\nChannel 0: Yeah.\n\nChannel 1: sort\n\nChannel 0: So\n\nChannel 1: of\n\nChannel 0: that\n\nChannel 1: cover\n\nChannel 0: lump sum\n\nChannel 1: that\n\nChannel 0: is\n\nChannel 1: one\n\nChannel 0: really\n\nChannel 1: as well.\n\nChannel 0: important for you guys.\n\nChannel 1: Yep. Yeah. And it would\n\nChannel 0: Yeah.\n\nChannel 1: help dad pay off his all of his student loans and whatnot as well. So, you know, I sorta need that one as well. So, yeah, that's the deal.\n\nChannel 0: Cool. So for the time being, let's do a bit of a trim on the income protection and the trauma just so you can get a bit more affordability out of pocket\n\nChannel 1: Yep. That'd be great.\n\nChannel 0: and minimize the impact to your super a little bit. And then\n\nChannel 1: Yep.\n\nChannel 0: we would just have to keep an eye on it on a yearly basis because, again, price is gonna jump up every year. That's will\n\nChannel 1: Yep.\n\nChannel 0: hopefully come down. Super will hopefully come up, and we can\n\nChannel 1: Yep.\n\nChannel 0: kinda just keep rebalancing it every year.\n\nChannel 1: Just\n\nChannel 0: I would\n\nChannel 1: keep\n\nChannel 0: probably\n\nChannel 1: says 20\n\nChannel 0: do an\n\nChannel 1: eight.\n\nChannel 0: alteration a tweak every twelve months, I would absolutely do at this point.\n\nChannel 1: Okay. Cool.\n\nChannel 0: It's\n\nChannel 1: Sounds\n\nChannel 0: not something\n\nChannel 1: good.\n\nChannel 0: I would leave. If you left it for twenty four months, it could jump up another $3, and then it's just eating away at your super.\n\nChannel 1: Yeah. So it's not worth even putting so to me, to be honest with you. No. That\n\nChannel 0: Yes.\n\nChannel 1: sounds good. Yep.\n\nChannel 0: So what I'll do is I'll put together those reduction quotes with the reduction in the risk for the super from high growth\n\nChannel 1: Yep.\n\nChannel 0: down to growth, and I'll put\n\nChannel 1: Yep.\n\nChannel 0: that in an updated advice document, get that through to you for a quick chat. If you're\n\nChannel 1: Yep.\n\nChannel 0: happy, you sign off, and we'll jump ahead and do it.\n\nChannel 1: Yep. And do I will I need to do anything with the AII? Or do you guys do that, and then it will just wanna make you\n\nChannel 0: We will do most of that with you. So we'll get you to sign, like, a reduction letter, and then\n\nChannel 1: Yep.\n\nChannel 0: we'll forward that off to them.\n\nChannel 1: Yep. And then they should just automatically do it with the next next month's payments or whenever it comes out. So yep.\n\nChannel 0: Correct. The only thing is I might activate quicker on the trauma cover because if it takes me a week and a half to get the the document to you and and a quick sign off, And then by the time they process it, I might see\n\nChannel 1: Another\n\nChannel 0: if I can\n\nChannel 1: month.\n\nChannel 0: get a reduction letter to you quicker.\n\nChannel 1: Okay. Yeah. That sounds fine. Next last year,\n\nChannel 0: Yeah.\n\nChannel 1: that's fine. Thank you so much for\n\nChannel 0: No worries at all. That's pretty much everything. The other thing that Carl mentioned was just making sure we've got the estate planning up to date, put in place wills, power of attorney, all that kind of thing.\n\nChannel 1: Yeah. I sort of do need to do a will, to be honest.\n\nChannel 0: Yep. And, look, there's three main options. You can see a solicitor. You can even go to you know, like, the courthouse of the public trustee for every state can also put in place wills and power of attorney. Usually, a\n\nChannel 1: Okay\n\nChannel 0: little bit\n\nChannel 1: then.\n\nChannel 0: more affordable. And, also, you can if you really want to, you can get a a will kit from the post office for $25 and the same thing for a power of attorney kit. So if\n\nChannel 1: Okay.\n\nChannel 0: if that's a barrier that makes it a bit easier to get at least something in place, that's\n\nChannel 1: And\n\nChannel 0: something\n\nChannel 1: what? You just\n\nChannel 0: to\n\nChannel 1: get\n\nChannel 0: consider.\n\nChannel 1: it signed off by JP? Is that how they do it?\n\nChannel 0: Yeah. And I think you've gotta have a couple of witnesses.\n\nChannel 1: Oh, it's okay. That's fine. I might actually do it. I didn't even know that was available. Thank you for that.\n\nDidn't even know\n\nChannel 0: No\n\nChannel 1: that was\n\nChannel 0: worries\n\nChannel 1: available.\n\nChannel 0: at all. Look. You can always get an updated, Will, once you've seek, like, legal advice, but at the at the first port of call, just having something is better than nothing.\n\nChannel 1: Yeah. I think we my partner and I both don't have one, and we have two other children and two younger children. So the the game is they're two older ones to look after them when they go, but that could change.\n\nChannel 0: Yeah. So that's the thing that I I kinda wanna mention is that your your finances are pretty straightforward with the the house and the cars and the income and the super, so that's all okay.\n\nChannel 1: Yep.\n\nChannel 0: You can get more complex in looking after adult and minor children in terms of testamentary trust wills. So if you wanna go that far, you can actually\n\nChannel 1: Oh,\n\nChannel 0: set up and place a will that sets up a trust fund for them. Like, you've got all those options on a scale, but the basic one\n\nChannel 1: okay.\n\nChannel 0: is definitely helpful.\n\nChannel 1: Yep. No. I might actually think about doing it for myself and him because he sort of do need because we're both getting that a little bit older. So yeah. Definitely.\n\nChannel 0: Yep. Absolutely. I'll go away and get this research finalized for the super and the insurances. Was there\n\nChannel 1: Yep.\n\nChannel 0: anything else that you needed at the moment?\n\nChannel 1: No. I think Scott has he's still the 100% beneficiary on all those forms. He should still be. I think I haven't changed anything, have I? Can you guys\n\nChannel 0: I'm\n\nChannel 1: still see that?\n\nChannel 0: going to double check both of them, and that's still what you want. Right?\n\nChannel 1: Yep. Yep. Definitely. He's still the main one. So I'll just leave him as that.\n\nAnd then if I just get and get a wool kit from the post office, I'll just still leave him and just do what I need to do for the kids. No. That sounds good. As long as he's still on me, that's the main thing because we talked about the other day. If something does happen, as long as he's on there still and I'm on his, so that's fine.\n\nThat's cool.\n\nChannel 0: Yep. Perfect. I will look into that today. And\n\nChannel 1: Yep.\n\nChannel 0: if there's anything that's missing, I'll get someone to post out a beneficiary form straight away.\n\nChannel 1: Yep.\n\nChannel 0: Do you have two minutes for me? I can log on to your hub account right now if you like.\n\nChannel 1: Yep. And I go on. Yep. I don't have I can't access it. I know you guys can.\n\nThat's cool.\n\nChannel 0: Perfect. It's just I have to go through that quick little multifactor authentication, which just takes that extra thirty seconds. So\n\nChannel 1: Okay.\n\nChannel 0: I do apologize. It won't be long.\n\nChannel 1: Sir, I'm not working today. It's all good. No problem.\n\nChannel 0: Perfect. Perfect. So we've got our password for the adviser login. Oh, did I do that right? Here we go.\n\nIt's funny. I've got an authenticator, and then they send me a text message as well and a password. They've got three\n\nChannel 1: Okay.\n\nChannel 0: points,\n\nChannel 1: Oh, gosh.\n\nChannel 0: which is a lovely amount of security, but it's just it gets\n\nChannel 1: Takes time.\n\nChannel 0: old after a while. Yeah.\n\nChannel 1: I would do. Yeah. I can imagine. When I do the same thing for work, you're gonna yeah. Just as you mean to.\n\nChannel 0: 178260. Done. Alright. I'm into Hub. I'm just loading up your account now.\n\nThere we go. Alright. And good thing at least is that the the stock market bounced back a little bit the last couple of weeks, so that's creeping back up again. Again, reduction of risk is the main thing, but to get a little bit back after the drop is good. And then we've\n\nChannel 1: Yeah.\n\nChannel 0: got\n\nChannel 1: I did.\n\nChannel 0: your beneficiary. Yes. Scott Perce, a 100%. That was put\n\nChannel 1: Hope.\n\nChannel 0: in place in 2021, nonlapsing. So it's not gonna expire, and it is legally binding.\n\nChannel 1: So it won't if something does happen and there is like, I don't have a will in place, he will still be okay. That's the main thing because I said we don't have wills the other day when I was talking to Kyle, and I actually thought about it if something happens. Yeah. Because I have had stories that they all can't get any money even after I've gone. So, no, that's fine.\n\nAs long as it's legally binding, it's a 100%. That's fine. That's cool.\n\nChannel 0: Yep.\n\nChannel 1: Sweet.\n\nChannel 0: So the super is fine. That'll be direct and quick. It's literally just a death certificate and some identification, and then that's\n\nChannel 1: Okay.\n\nChannel 0: sorted. I will\n\nChannel 1: Yep.\n\nChannel 0: double\n\nChannel 1: There\n\nChannel 0: check the AIA\n\nChannel 1: we\n\nChannel 0: insurance as well\n\nChannel 1: go.\n\nChannel 0: and let you know.\n\nChannel 1: Yep. I think he's still he should be a 100%. That's my thing. Yeah. No.\n\nIt's my thing. I because my mother-in-law passed away, her husband, and they had so much time because she wasn't on the well, then, yeah, I was just thinking about it. We're gonna need to get that sorted. So yep. No.\n\nThat's fine.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you\n\nChannel 0: It\n\nChannel 1: so\n\nChannel 0: can\n\nChannel 1: much for\n\nChannel 0: be\n\nChannel 1: that.\n\nChannel 0: time and a cost. That is no worries. Anything else I can do for you, Lynn?\n\nChannel 1: No. If you can drop all those payments, it would be so much so lovely.\n\nChannel 0: No\n\nChannel 1: But,\n\nChannel 0: worries\n\nChannel 1: yeah, other\n\nChannel 0: at\n\nChannel 1: than that,\n\nChannel 0: all.\n\nChannel 1: that's great. Perfect. Thank\n\nChannel 0: Awesome.\n\nChannel 1: you so much for that.\n\nChannel 0: Have a lovely day, and I'll get the team to reach out to book you in for that final catch up.\n\nChannel 1: Yep. Awesome. Thank you so much for that. Cool.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.32,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.011102373246103525}],"sentiment":"neutral","sentiment_score":0.011102373246103525,"channel":1,"num_words":16,"start":0.32,"end":4.8199997},{"sentences":[{"text":"Tommy calling from Oakview Financial.","start":6.96,"end":9.22,"sentiment":"neutral","sentiment_score":0.017430269718170167}],"sentiment":"neutral","sentiment_score":0.017430269718170167,"channel":0,"num_words":5,"start":6.96,"end":9.22},{"sentences":[{"text":"Hello.","start":12.684999,"end":12.925,"sentiment":"neutral","sentiment_score":0.05691133439540863},{"text":"Speaking.","start":12.925,"end":13.425,"sentiment":"neutral","sentiment_score":0.07797282934188843}],"sentiment":"neutral","sentiment_score":0.06744208186864853,"channel":1,"num_words":2,"start":12.684999,"end":13.425},{"sentences":[{"text":"Good morning, Lynn.","start":15.215,"end":16.015,"sentiment":"positive","sentiment_score":0.3355453709761302},{"text":"It's Tommy here from Oakview Financial.","start":16.015,"end":17.455,"sentiment":"neutral","sentiment_score":0.2541760007540385},{"text":"How are you doing today?","start":17.455,"end":18.515,"sentiment":"neutral","sentiment_score":0.29075624942779543}],"sentiment":"neutral","sentiment_score":0.2846766688993999,"channel":0,"num_words":14,"start":15.215,"end":18.515},{"sentences":[{"text":"I'm good.","start":18.525,"end":19.265,"sentiment":"positive","sentiment_score":0.4515535831451416}],"sentiment":"positive","sentiment_score":0.4515535831451416,"channel":1,"num_words":2,"start":18.525,"end":19.265},{"sentences":[{"text":"Great to hear.","start":20.095001,"end":20.654999,"sentiment":"positive","sentiment_score":0.6625197529792786},{"text":"Great to hear.","start":20.654999,"end":21.215,"sentiment":"positive","sentiment_score":0.5545055071512858},{"text":"I'm one of the senior advisers.","start":21.215,"end":22.815,"sentiment":"neutral","sentiment_score":0.18608704209327698},{"text":"I was just giving you a call to go through some insurance quotes that Kyle put together for you if you still","start":22.815,"end":28.720001,"sentiment":"neutral","sentiment_score":0.15332227234135976}],"sentiment":"neutral","sentiment_score":0.2394320007194491,"channel":0,"num_words":34,"start":20.095001,"end":28.720001},{"sentences":[{"text":"Yep.","start":28.68,"end":29.18,"sentiment":"neutral","sentiment_score":0.023285334929823875}],"sentiment":"neutral","sentiment_score":0.023285334929823875,"channel":1,"num_words":1,"start":28.68,"end":29.18},{"sentences":[{"text":"have a bit of time for me.","start":28.720001,"end":30.18,"sentiment":"neutral","sentiment_score":0.0057600944169930056}],"sentiment":"neutral","sentiment_score":0.0057600944169930056,"channel":0,"num_words":7,"start":28.720001,"end":30.18},{"sentences":[{"text":"Yep.","start":30.119999,"end":30.619999,"sentiment":"neutral","sentiment_score":0.014189561828970907},{"text":"Sorry.","start":30.68,"end":30.92,"sentiment":"neutral","sentiment_score":0.021629175171256065},{"text":"Yep.","start":30.92,"end":31.42,"sentiment":"neutral","sentiment_score":0.06387928873300552}],"sentiment":"neutral","sentiment_score":0.033232675244410835,"channel":1,"num_words":3,"start":30.119999,"end":31.42},{"sentences":[{"text":"Perfect.","start":31.76,"end":32.260002,"sentiment":"neutral","sentiment_score":0.2635100781917572},{"text":"Just usual process, are you okay for this call to be recorded?","start":32.72,"end":35.38,"sentiment":"neutral","sentiment_score":0.12589146569371223},{"text":"Awesome.","start":36.64,"end":37.120003,"sentiment":"neutral","sentiment_score":0.2839735746383667},{"text":"And we don't have a security question on file.","start":37.120003,"end":39.36,"sentiment":"neutral","sentiment_score":0.08604466004504098},{"text":"Are you okay to confirm your date of birth and address, please?","start":39.36,"end":42.42,"sentiment":"neutral","sentiment_score":0.05065910409515103}],"sentiment":"neutral","sentiment_score":0.09829978373433862,"channel":0,"num_words":35,"start":31.76,"end":42.42},{"sentences":[{"text":"Around 07/02/1977 in 14 yard prison, all my homes Queensland, Porto.","start":42.875,"end":48.254997,"sentiment":"neutral","sentiment_score":-0.008303009481592611}],"sentiment":"neutral","sentiment_score":-0.008303009481592611,"channel":1,"num_words":11,"start":42.875,"end":48.254997},{"sentences":[{"text":"Amazing, Lynn.","start":48.864998,"end":49.585,"sentiment":"positive","sentiment_score":0.36645352840423584},{"text":"Thank you.","start":49.585,"end":49.985,"sentiment":"positive","sentiment_score":0.49613697826862335},{"text":"And I'm registered with Asic as adviser one 273105.","start":49.985,"end":54.245,"sentiment":"neutral","sentiment_score":0.1732742836078008}],"sentiment":"neutral","sentiment_score":0.25266535121660966,"channel":0,"num_words":13,"start":48.864998,"end":54.245},{"sentences":[{"text":"Cool.","start":54.69,"end":55.19,"sentiment":"neutral","sentiment_score":0.18198898434638977}],"sentiment":"neutral","sentiment_score":0.18198898434638977,"channel":1,"num_words":1,"start":54.69,"end":55.19},{"sentences":[{"text":"Now, Lynn, I'm looking through the notes from Kyle.","start":55.92,"end":58.72,"sentiment":"neutral","sentiment_score":0.03304686687058873},{"text":"I had a bit of a chat to him, and he's currently away at the moment.","start":58.72,"end":61.44,"sentiment":"neutral","sentiment_score":-0.05149973486550152},{"text":"So I just wanted","start":61.44,"end":62.239998,"sentiment":"neutral","sentiment_score":0.007232943549752235}],"sentiment":"neutral","sentiment_score":-0.017160075234955753,"channel":0,"num_words":29,"start":55.92,"end":62.239998},{"sentences":[{"text":"Yep.","start":62.0925,"end":62.5925,"sentiment":"neutral","sentiment_score":0.07979460060596466}],"sentiment":"neutral","sentiment_score":0.07979460060596466,"channel":1,"num_words":1,"start":62.0925,"end":62.5925},{"sentences":[{"text":"to jump at this chance to go through these reductions with you just to get the prices down for the insurances.","start":62.239998,"end":68.02,"sentiment":"neutral","sentiment_score":0.15039089180174328},{"text":"He does have some notes here just looking to reduce the risk of the super as well.","start":69.605,"end":73.605,"sentiment":"neutral","sentiment_score":0.06685113687725629},{"text":"So there's two main things to focus on at the moment.","start":73.605,"end":76.40501,"sentiment":"neutral","sentiment_score":0.0252633196386424},{"text":"Is that right?","start":76.40501,"end":77.225006,"sentiment":"neutral","sentiment_score":0.06009849036733309}],"sentiment":"neutral","sentiment_score":0.09140134695917368,"channel":0,"num_words":52,"start":62.239998,"end":77.225006},{"sentences":[{"text":"Yep.","start":77.495,"end":77.995,"sentiment":"neutral","sentiment_score":0.07915991544723511}],"sentiment":"neutral","sentiment_score":0.07915991544723511,"channel":1,"num_words":1,"start":77.495,"end":77.995},{"sentences":[{"text":"Perfect.","start":78.40501,"end":78.805,"sentiment":"neutral","sentiment_score":0.25035542249679565},{"text":"Perfect.","start":78.805,"end":79.125,"sentiment":"neutral","sentiment_score":0.2313307821750641},{"text":"So we're putting together a bit of an updated plan on the risk reduction, and I have these quotes back.","start":79.125,"end":84.729996,"sentiment":"neutral","sentiment_score":0.14758950620889663},{"text":"Now are you pretty familiar with all of the insurances that you do have currently with AIA?","start":84.869995,"end":89.29,"sentiment":"neutral","sentiment_score":0.04622816338258631}],"sentiment":"neutral","sentiment_score":0.10818859247060922,"channel":0,"num_words":39,"start":78.40501,"end":89.29},{"sentences":[{"text":"Yeah.","start":90.14,"end":90.64,"sentiment":"neutral","sentiment_score":-0.015657469630241394},{"text":"Sort of.","start":90.700005,"end":91.26,"sentiment":"neutral","sentiment_score":-0.03789437934756279},{"text":"Not really.","start":91.26,"end":91.98,"sentiment":"neutral","sentiment_score":-0.1350833624601364},{"text":"That's sort of gone up and changed and, yeah, since I sort of laughed.","start":91.98,"end":95.26,"sentiment":"neutral","sentiment_score":-0.15772046042340143},{"text":"I haven't actually had any con correspondence from them for a while.","start":95.26,"end":98.355,"sentiment":"neutral","sentiment_score":-0.15512914210557938}],"sentiment":"neutral","sentiment_score":-0.14294351949807135,"channel":1,"num_words":31,"start":90.14,"end":98.355},{"sentences":[{"text":"So yeah.","start":98.355,"end":99.33501,"sentiment":"neutral","sentiment_score":-0.04200267978012562},{"text":"Three","start":99.795006,"end":100.115005,"sentiment":"neutral","sentiment_score":-0.027374910190701485}],"sentiment":"neutral","sentiment_score":-0.03712675658365091,"channel":1,"num_words":3,"start":98.355,"end":100.115005},{"sentences":[{"text":"That's","start":100.085,"end":100.325,"sentiment":"neutral","sentiment_score":-0.022328389808535576}],"sentiment":"neutral","sentiment_score":-0.022328389808535576,"channel":0,"num_words":1,"start":100.085,"end":100.325},{"sentences":[{"text":"o'clock.","start":100.115005,"end":100.615005,"sentiment":"neutral","sentiment_score":-0.013544077053666117}],"sentiment":"neutral","sentiment_score":-0.013544077053666117,"channel":1,"num_words":1,"start":100.115005,"end":100.615005},{"sentences":[{"text":"okay.","start":100.325,"end":100.805,"sentiment":"neutral","sentiment_score":0.042106859385967255},{"text":"I will put together with the updated advice.","start":100.805,"end":103.945,"sentiment":"neutral","sentiment_score":0.06708302348852158},{"text":"I'll put together a review pack for you, and that's gonna include your certificates of currency so you know what the policy is currently sitting at.","start":104.005,"end":111.29,"sentiment":"neutral","sentiment_score":0.05675567156420304}],"sentiment":"neutral","sentiment_score":0.05869767165609768,"channel":0,"num_words":35,"start":100.325,"end":111.29},{"sentences":[{"text":"Okay.","start":111.555,"end":112.035,"sentiment":"neutral","sentiment_score":0.09752233326435088},{"text":"Cool.","start":112.035,"end":112.5,"sentiment":"neutral","sentiment_score":0.15058943629264832}],"sentiment":"neutral","sentiment_score":0.1240558847784996,"channel":1,"num_words":2,"start":111.555,"end":112.5},{"sentences":[{"text":"Now I'll give you a bit of an easy breakdown here.","start":113.11,"end":115.83,"sentiment":"neutral","sentiment_score":0.129024226218462},{"text":"So you you're paying quite a lot in insurances.","start":115.83,"end":117.850006,"sentiment":"neutral","sentiment_score":-0.11971308083997832},{"text":"Your premiums are quite high.","start":118.87,"end":120.71001,"sentiment":"negative","sentiment_score":-0.36731117963790894},{"text":"Obviously, age is a factor as well.","start":120.71001,"end":122.97,"sentiment":"neutral","sentiment_score":-0.2226045025246484},{"text":"Now you have all four main covers.","start":123.375,"end":126.275,"sentiment":"neutral","sentiment_score":-0.01420679981155055}],"sentiment":"neutral","sentiment_score":-0.08083041676152976,"channel":0,"num_words":39,"start":113.11,"end":126.275},{"sentences":[{"text":"So you have life insurance, total disability, income protection, and trauma.","start":126.335,"end":131.315,"sentiment":"neutral","sentiment_score":-0.0007573545656420968},{"text":"Do those ring a bell?","start":131.375,"end":132.675,"sentiment":"neutral","sentiment_score":-0.0027265027165412903}],"sentiment":"neutral","sentiment_score":-0.0013727133627980947,"channel":0,"num_words":16,"start":126.335,"end":132.675},{"sentences":[{"text":"Yep.","start":132.58499,"end":132.825,"sentiment":"neutral","sentiment_score":0.01829003356397152},{"text":"Yep.","start":132.825,"end":132.905,"sentiment":"neutral","sentiment_score":0.02096506953239441},{"text":"Hold on.","start":132.905,"end":133.305,"sentiment":"neutral","sentiment_score":0.02132547553628683},{"text":"Yep.","start":133.305,"end":133.805,"sentiment":"neutral","sentiment_score":0.07085749506950378}],"sentiment":"neutral","sentiment_score":0.030552709847688674,"channel":1,"num_words":5,"start":132.58499,"end":133.805},{"sentences":[{"text":"Yep.","start":134.015,"end":134.335,"sentiment":"neutral","sentiment_score":0.22158396244049072},{"text":"Perfect.","start":134.335,"end":134.835,"sentiment":"positive","sentiment_score":0.5370346903800964},{"text":"So the main ones out of pocket, they're looking quite high because you're paying them out of pocket on a monthly basis.","start":134.975,"end":142.66,"sentiment":"neutral","sentiment_score":0.028024124320257793}],"sentiment":"neutral","sentiment_score":0.05729789116109411,"channel":0,"num_words":24,"start":134.015,"end":142.66},{"sentences":[{"text":"Yeah.","start":143.9,"end":144.06,"sentiment":"neutral","sentiment_score":-0.0008992664515972137},{"text":"We are.","start":144.06,"end":144.79999,"sentiment":"neutral","sentiment_score":-0.018536826595664024},{"text":"I don't know how much that I owe anymore.","start":145.34,"end":147.18,"sentiment":"neutral","sentiment_score":-0.1693337145778868},{"text":"It's just yeah.","start":147.18,"end":147.98,"sentiment":"neutral","sentiment_score":-0.062010822196801506},{"text":"Whatever the that comes out direct debit.","start":147.98,"end":149.81999,"sentiment":"neutral","sentiment_score":-0.04943825091634478}],"sentiment":"neutral","sentiment_score":-0.09518529881130565,"channel":1,"num_words":22,"start":143.9,"end":149.81999},{"sentences":[{"text":"So whatever it is, we just bump it up to whatever it is.","start":149.81999,"end":152.06,"sentiment":"neutral","sentiment_score":0.0035027721180365635},{"text":"So yeah.","start":152.06,"end":152.97,"sentiment":"neutral","sentiment_score":0.03995169699192047}],"sentiment":"neutral","sentiment_score":0.008362628767887752,"channel":1,"num_words":15,"start":149.81999,"end":152.97},{"sentences":[{"text":"So there's a couple of people on the policy in addition to yourself.","start":152.975,"end":157.235,"sentiment":"neutral","sentiment_score":0.07219593226909637},{"text":"You do have, like, family protection, which includes it's","start":157.535,"end":162.88,"sentiment":"neutral","sentiment_score":0.07133180068598853}],"sentiment":"neutral","sentiment_score":0.07184242389418861,"channel":0,"num_words":22,"start":152.975,"end":162.88},{"sentences":[{"text":"Should be my","start":162.485,"end":163.285,"sentiment":"neutral","sentiment_score":0.0489731195072333}],"sentiment":"neutral","sentiment_score":0.0489731195072333,"channel":1,"num_words":3,"start":162.485,"end":163.285},{"sentences":[{"text":"Samuel","start":163.1,"end":163.6,"sentiment":"neutral","sentiment_score":0.049529679119586945}],"sentiment":"neutral","sentiment_score":0.049529679119586945,"channel":0,"num_words":1,"start":163.1,"end":163.6},{"sentences":[{"text":"son and my daughter.","start":163.285,"end":164.405,"sentiment":"neutral","sentiment_score":0.026842885185033083},{"text":"Yep.","start":164.405,"end":164.72499,"sentiment":"neutral","sentiment_score":0.034933142364025116},{"text":"My 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which","start":405.035,"end":416.96,"sentiment":"neutral","sentiment_score":-0.004861957474571207}],"sentiment":"neutral","sentiment_score":-0.002371581583195981,"channel":0,"num_words":53,"start":396.44,"end":416.96},{"sentences":[{"text":"Yep.","start":416.845,"end":417.345,"sentiment":"neutral","sentiment_score":-0.006678165402263403}],"sentiment":"neutral","sentiment_score":-0.006678165402263403,"channel":1,"num_words":1,"start":416.845,"end":417.345},{"sentences":[{"text":"that's your lump sum cover.","start":416.96,"end":418.42,"sentiment":"neutral","sentiment_score":-0.030220661871135236},{"text":"Pass away, can never work again, a bit more than 1,000,000 plus your super on top.","start":418.48,"end":422.82,"sentiment":"neutral","sentiment_score":-0.15351734217256308},{"text":"Now I think the mortgage car noted down was under 400,000 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5.","start":436.455,"end":437.515,"sentiment":"neutral","sentiment_score":-0.013715879991650581},{"text":"Alright.","start":437.815,"end":438.315,"sentiment":"neutral","sentiment_score":0.029748573899269104}],"sentiment":"neutral","sentiment_score":0.0007722713053226471,"channel":0,"num_words":3,"start":436.455,"end":438.315},{"sentences":[{"text":"Yep.","start":437.995,"end":438.495,"sentiment":"neutral","sentiment_score":0.03628259897232056}],"sentiment":"neutral","sentiment_score":0.03628259897232056,"channel":1,"num_words":1,"start":437.995,"end":438.495},{"sentences":[{"text":"So let's say in that scenario, you have the mortgage paid off plus half $1,000,000 plus your super there.","start":439.50998,"end":446.49,"sentiment":"neutral","sentiment_score":0.026560840343958454},{"text":"Now that combined is just under 4,000 coming out of the super per year.","start":446.62997,"end":452.025,"sentiment":"neutral","sentiment_score":0.03434404943670545},{"text":"I did look at, with Kyle, some reductions to 850,000 and a reduction to 750,000.","start":453.945,"end":461.565,"sentiment":"neutral","sentiment_score":0.06664328128099442},{"text":"Now going down to the 750,000 brings it from about 4,000 to about $222,300.","start":462.185,"end":471.24,"sentiment":"neutral","sentiment_score":0.11648217482226235},{"text":"So that's a pretty decent savings there, but it's not your most expensive cover.","start":471.53998,"end":476.59998,"sentiment":"neutral","sentiment_score":0.15859158816082136}],"sentiment":"neutral","sentiment_score":0.07679150736351546,"channel":0,"num_words":76,"start":439.50998,"end":476.59998},{"sentences":[{"text":"So I just wanted to run by you.","start":476.65997,"end":478.09998,"sentiment":"neutral","sentiment_score":0.09415984433144331},{"text":"Do you do you feel like the million is still kind of what you would need, or do you like the sound of dropping it down that 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Lynn?","start":1034.6599,"end":1036.28,"sentiment":"neutral","sentiment_score":0.22738377377390862}],"sentiment":"neutral","sentiment_score":0.23264599684625864,"channel":0,"num_words":16,"start":1033.0599,"end":1036.28},{"sentences":[{"text":"No.","start":1036.48,"end":1036.72,"sentiment":"neutral","sentiment_score":0.1784580945968628},{"text":"If you can drop all those payments, it would be so much so lovely.","start":1036.72,"end":1040.4199,"sentiment":"positive","sentiment_score":0.34246006182261873}],"sentiment":"neutral","sentiment_score":0.3315265973409017,"channel":1,"num_words":15,"start":1036.48,"end":1040.4199},{"sentences":[{"text":"No","start":1040.9,"end":1041.14,"sentiment":"neutral","sentiment_score":0.06555825471878052}],"sentiment":"neutral","sentiment_score":0.06555825471878052,"channel":0,"num_words":1,"start":1040.9,"end":1041.14},{"sentences":[{"text":"But,","start":1040.96,"end":1041.2,"sentiment":"neutral","sentiment_score":0.05412876605987549}],"sentiment":"neutral","sentiment_score":0.05412876605987549,"channel":1,"num_words":1,"start":1040.96,"end":1041.2},{"sentences":[{"text":"worries","start":1041.14,"end":1041.5399,"sentiment":"neutral","sentiment_score":0.07469712942838669}],"sentiment":"neutral","sentiment_score":0.07469712942838669,"channel":0,"num_words":1,"start":1041.14,"end":1041.5399},{"sentences":[{"text":"yeah, other","start":1041.2,"end":1041.6,"sentiment":"neutral","sentiment_score":0.07541270926594734}],"sentiment":"neutral","sentiment_score":0.07541270926594734,"channel":1,"num_words":2,"start":1041.2,"end":1041.6},{"sentences":[{"text":"at","start":1041.5399,"end":1041.78,"sentiment":"neutral","sentiment_score":0.05647292733192444}],"sentiment":"neutral","sentiment_score":0.05647292733192444,"channel":0,"num_words":1,"start":1041.5399,"end":1041.78},{"sentences":[{"text":"than that,","start":1041.6,"end":1041.9199,"sentiment":"neutral","sentiment_score":0.11291495710611343}],"sentiment":"neutral","sentiment_score":0.11291495710611343,"channel":1,"num_words":2,"start":1041.6,"end":1041.9199},{"sentences":[{"text":"all.","start":1041.78,"end":1042.167,"sentiment":"neutral","sentiment_score":0.1748432815074921}],"sentiment":"neutral","sentiment_score":0.1748432815074921,"channel":0,"num_words":1,"start":1041.78,"end":1042.167},{"sentences":[{"text":"that's great.","start":1041.9199,"end":1042.6599,"sentiment":"positive","sentiment_score":0.5814119279384613},{"text":"Perfect.","start":1042.72,"end":1043.12,"sentiment":"positive","sentiment_score":0.6482362747192383},{"text":"Thank","start":1043.12,"end":1043.2799,"sentiment":"positive","sentiment_score":0.7068072557449341}],"sentiment":"positive","sentiment_score":0.6294668465852737,"channel":1,"num_words":4,"start":1041.9199,"end":1043.2799},{"sentences":[{"text":"Awesome.","start":1043.127,"end":1043.627,"sentiment":"neutral","sentiment_score":0.2964478135108948}],"sentiment":"neutral","sentiment_score":0.2964478135108948,"channel":0,"num_words":1,"start":1043.127,"end":1043.627},{"sentences":[{"text":"you so much for that.","start":1043.2799,"end":1044.2369,"sentiment":"positive","sentiment_score":0.847227144241333}],"sentiment":"positive","sentiment_score":0.847227144241333,"channel":1,"num_words":5,"start":1043.2799,"end":1044.2369},{"sentences":[{"text":"Have a lovely day, and I'll get the team to reach out to book you in for that final catch up.","start":1044.647,"end":1049.787,"sentiment":"positive","sentiment_score":0.686408954007285}],"sentiment":"positive","sentiment_score":0.686408954007285,"channel":0,"num_words":21,"start":1044.647,"end":1049.787},{"sentences":[{"text":"Yep.","start":1049.757,"end":1050.157,"sentiment":"positive","sentiment_score":0.4476156234741211},{"text":"Awesome.","start":1050.157,"end":1050.397,"sentiment":"positive","sentiment_score":0.8458656072616577},{"text":"Thank you so much for that.","start":1050.397,"end":1051.6769,"sentiment":"positive","sentiment_score":0.8848024507363638},{"text":"Cool.","start":1051.6769,"end":1052.1769,"sentiment":"positive","sentiment_score":0.7957848310470581}],"sentiment":"positive","sentiment_score":0.8220089740223355,"channel":1,"num_words":9,"start":1049.757,"end":1052.1769},{"sentences":[{"text":"Thank you.","start":1051.847,"end":1052.407,"sentiment":"positive","sentiment_score":0.7688106894493103},{"text":"Bye.","start":1052.407,"end":1052.907,"sentiment":"positive","sentiment_score":0.4455532431602478}],"sentiment":"positive","sentiment_score":0.6610582073529562,"channel":0,"num_words":3,"start":1051.847,"end":1052.907},{"sentences":[{"text":"Bye.","start":1053.1969,"end":1053.6969,"sentiment":"neutral","sentiment_score":-0.11370562762022018}],"sentiment":"neutral","sentiment_score":-0.11370562762022018,"channel":1,"num_words":1,"start":1053.1969,"end":1053.6969}]},"summary":{"result":"success","short":"Representatives from Oakview Financial discuss insurance quotes and risk reduction plans with Lynn, including a quote for a reduction of risk and a health insurance policy that is cheaper. They suggest dropping down the policy to save money and mention a retirement optimization policy that covers premiums. The speakers emphasize the benefits of life insurance coverage, including a lower monthly premium and a lower risk of death, and discuss estate planning and power of attorney options. The agents provide information on necessary documents and provide instructions for completing the process of obtaining a will kit. The customer plans to book a follow-up call after receiving the will."},"intents":{"segments":[{"text":"I'm one of the senior advisers. I was just giving you a call to go through some insurance quotes that Kyle put together for you if you still Yep.","start_word":45,"end_word":73,"intents":[{"intent":"Offer insurance quotes","confidence_score":0.025883665}]},{"text":"Now you have all four main covers. So you have life insurance, total disability, income protection, and trauma. Do those ring a bell? Yep.","start_word":371,"end_word":394,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.27262825}]},{"text":"Both family protections remain the same. It's Check just here the and one see what's 60 going six on and now. the 100. Yep. So I lose $66,000 if I do get something that's not covered, like a heart attack or something.","start_word":724,"end_word":765,"intents":[{"intent":"Provide insurance information","confidence_score":0.0132923825}]},{"text":"So I lose $66,000 if I do get something that's not covered, like a heart attack or something.","start_word":748,"end_word":765,"intents":[{"intent":"Resolve insurance issue","confidence_score":0.00054454454}]},{"text":"Can we change that one? Because, yeah, Yep.","start_word":799,"end_word":806,"intents":[{"intent":"Change coverage type","confidence_score":0.0031475357}]},{"text":"Do you do you feel like the million is still kind of what you would need, or do you like the sound of dropping it down that far?","start_word":1371,"end_word":1398,"intents":[{"intent":"Drop down premium","confidence_score":0.20074977}]},{"text":"The main one that worries me more is the income protection because that's seven and a half out of out of your super. Yes.","start_word":1439,"end_word":1462,"intents":[{"intent":"Understand income protection coverage","confidence_score":0.0035194112}]},{"text":"So I thought they did say that I was overpaying on that one. That must've been the one they did say I was overpaying the premium because it's only 75% and I was paying more. So yeah.","start_word":1668,"end_word":1704,"intents":[{"intent":"Inquire about premium","confidence_score":0.00014658889}]},{"text":"Do you wanna Yep. leave that one alone for another year until you pay down more of the mortgage, or do you wanna give that a Yeah.","start_word":1756,"end_word":1782,"intents":[{"intent":"Leave the property","confidence_score":0.00016918703}]},{"text":"If something happens, I just need Scott to be covered and because we actually have three dependents. I have my oldest son who's 24 living at home as well. So if something happens, he's basically gotta Yes. cover that kid as well even though he's not a dependent, if you know what I mean. So yeah.","start_word":1793,"end_word":1848,"intents":[{"intent":"Cover the dependents","confidence_score":0.18634957}]},{"text":"So for the time being, let's do a bit of a trim on the income protection and the trauma just so you can get a bit more affordability out of pocket Yep.","start_word":1932,"end_word":1963,"intents":[{"intent":"Trim income protection","confidence_score":0.08916326}]},{"text":"we would just have to keep an eye on it on a yearly basis because, again, price is gonna jump up every year. That's will Yep. hopefully come down. Super will hopefully come up, and we can Yep. kinda just keep rebalancing it every year. Just I would keep probably says 20 do an eight. alteration a tweak every twelve months, I would absolutely do at this point. Okay.","start_word":1980,"end_word":2048,"intents":[{"intent":"Follow up on each month","confidence_score":2.7181044e-9}]},{"text":"Super will hopefully come up, and we can Yep. kinda just keep rebalancing it every year. Just I would keep probably says 20 do an eight. alteration a tweak every twelve months, I would absolutely do at this point. Okay.","start_word":2009,"end_word":2048,"intents":[{"intent":"Rebalancing the super","confidence_score":0.022798188}]},{"text":"alteration a tweak every twelve months, I would absolutely do at this point. Okay.","start_word":2035,"end_word":2048,"intents":[{"intent":"Adjust the number","confidence_score":0.007280831}]},{"text":"So what I'll do is I'll put together those reduction quotes with the reduction in the risk for the super from high growth Yep.","start_word":2102,"end_word":2125,"intents":[{"intent":"Reducing super risk","confidence_score":0.013332301}]},{"text":"The only thing is I might activate quicker on the trauma cover because if it takes me a week and a half to get the the document to you and and a quick sign off, And then by the time they process it, I might see Another if I can month. get a reduction letter to you quicker. Okay. Yeah.","start_word":2239,"end_word":2298,"intents":[{"intent":"Activating trauma cover","confidence_score":0.77212906}]},{"text":"The other thing that Carl mentioned was just making sure we've got the estate planning up to date, put in place wills, power of attorney, all that kind of thing. Yeah.","start_word":2321,"end_word":2351,"intents":[{"intent":"Activating wills and powers of attorney","confidence_score":0.0045807594}]},{"text":"And, also, you can if you really want to, you can get a a will kit from the post office for $25 and the same thing for a power of attorney kit. So if Okay.","start_word":2412,"end_word":2446,"intents":[{"intent":"Get will kit","confidence_score":0.19911344},{"intent":"Obtain will kit","confidence_score":0.01735888},{"intent":"Find will kit","confidence_score":0.0001672277}]},{"text":"You can always get an updated, Will, once you've seek, like, legal advice, but at the at the first port of call, just having something is better than nothing. Yeah.","start_word":2526,"end_word":2555,"intents":[{"intent":"Get legal advice","confidence_score":0.10872668}]},{"text":"I'll go away and get this research finalized for the super and the insurances. Was there Yep.","start_word":2727,"end_word":2743,"intents":[{"intent":"Finalize research","confidence_score":0.11383129}]},{"text":"He's still the main one. So I'll just leave him as that. And then if I just get and get a wool kit from the post office, I'll just still leave him and just do what I need to do for the kids. No. That sounds good.","start_word":2802,"end_word":2848,"intents":[{"intent":"Leave role","confidence_score":0.06708119}]},{"text":"I will look into that today. And Yep.","start_word":2889,"end_word":2896,"intents":[{"intent":"Look into issue","confidence_score":0.5411068}]},{"text":"if there's anything that's missing, I'll get someone to post out a beneficiary form straight away. Yep.","start_word":2897,"end_word":2913,"intents":[{"intent":"Post beneficiary form","confidence_score":0.23818347}]},{"text":"I can log on to your hub account right now if you like.","start_word":2921,"end_word":2933,"intents":[{"intent":"Log into account","confidence_score":0.057352412}]},{"text":"I can log on to your hub account right now if you like. Yep.","start_word":2921,"end_word":2934,"intents":[{"intent":"Access hub account","confidence_score":0.023841456}]},{"text":"So we've got our password for the adviser login. Oh, did I do that right?","start_word":2995,"end_word":3009,"intents":[{"intent":"Verify password","confidence_score":0.010107812}]},{"text":"I've got an authenticator, and then they send me a text message as well and a password. They've got three Okay.","start_word":3015,"end_word":3035,"intents":[{"intent":"Receive text message","confidence_score":0.08828204}]},{"text":"which is a lovely amount of security, but it's just it gets Takes time.","start_word":3039,"end_word":3052,"intents":[{"intent":"Update security","confidence_score":0.021502052}]},{"text":"double There check the AIA we insurance as well go. and let you know. Yep.","start_word":3293,"end_word":3307,"intents":[{"intent":"Check insurance","confidence_score":0.0018076216}]}]},"sentiments":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Tommy calling from Oakview Financial. Hello. Speaking.","start_word":0,"end_word":22,"sentiment":"neutral","sentiment_score":0.020747598260641095},{"text":"Good morning, Lynn.","start_word":23,"end_word":25,"sentiment":"positive","sentiment_score":0.3442835509777069},{"text":"It's Tommy here from Oakview Financial. How are you doing today?","start_word":26,"end_word":36,"sentiment":"neutral","sentiment_score":0.2745606303215027},{"text":"I'm good. Great to hear. Great to hear.","start_word":37,"end_word":44,"sentiment":"positive","sentiment_score":0.5403544306755066},{"text":"I'm one of the senior advisers. I was just giving you a call to go through some insurance quotes that Kyle put together for you if you still Yep. have a bit of time for me. Yep. Sorry. Yep. Perfect. Just usual process, are you okay for this call to be recorded? Awesome. And we don't have a security question on file. Are you okay to confirm your date of birth and address, please? Around 07/02/1977 in 14 yard prison, all my homes Queensland, Porto.","start_word":45,"end_word":129,"sentiment":"neutral","sentiment_score":0.09015844762325288},{"text":"Amazing, Lynn. Thank you.","start_word":130,"end_word":133,"sentiment":"positive","sentiment_score":0.4200729727745056},{"text":"And I'm registered with Asic as adviser one 273105. Cool. Now, Lynn, I'm looking through the notes from Kyle. I had a bit of a chat to him, and he's currently away at the moment. So I just wanted Yep. to jump at this chance to go through these reductions with you just to get the prices down for the insurances. He does have some notes here just looking to reduce the risk of the super as well. So there's two main things to focus on at the moment. Is that right? Yep. Perfect. Perfect. So we're putting together a bit of an updated plan on the risk reduction, and I have these quotes back. Now are you pretty familiar with all of the insurances that you do have currently with AIA? Yeah. Sort of. Not really. That's sort of gone up and changed and, yeah, since I sort of laughed. I haven't actually had any con correspondence from them for a while. So yeah. Three That's o'clock. okay. I will put together with the updated advice. I'll put together a review pack for you, and that's gonna include your certificates of currency so you know what the policy is currently sitting at. Okay. Cool. Now I'll give you a bit of an easy breakdown here. So you you're paying quite a lot in insurances.","start_word":134,"end_word":358,"sentiment":"neutral","sentiment_score":0.03590776920318604},{"text":"Your premiums are quite high.","start_word":359,"end_word":363,"sentiment":"negative","sentiment_score":-0.35800039768218994},{"text":"Obviously, age is a factor as well. Now you have all four main covers. So you have life insurance, total disability, income protection, and trauma. Do those ring a bell? Yep. Yep. Hold on. Yep. Yep.","start_word":364,"end_word":399,"sentiment":"neutral","sentiment_score":-0.024769803509116173},{"text":"Perfect.","start_word":400,"end_word":400,"sentiment":"positive","sentiment_score":0.5370346903800964},{"text":"So the main ones out of pocket, they're looking quite high because you're paying them out of pocket on a monthly basis. Yeah. We are. I don't know how much that I owe anymore. It's just yeah. Whatever the that comes out direct debit. So whatever it is, we just bump it up to whatever it is. So yeah. So there's a couple of people on the policy in addition to yourself. You do have, like, family protection, which includes it's Should be my Samuel son and my daughter. Yep. My two and youngest Sarah. children. Yep. Yep. Yep. That's it. Now those family protection portions for $16,000 each, they're only a dollar 62 a month, so I'm not too concerned No. about No. No. That's those. fine. Now it's the trauma portion of it that's a bit concerning because it's a 166,000 of critical illness. So if you get diagnosed with a heart attack, stroke, cancer, here's a bit of a lump sum, as well as a multitude of other conditions you can be diagnosed with from organ failure, blindness, all that kind of thing. So anything that doesn't fit within a death or total disability kind of fits into this one. Okay. Now the premium for it, however, is $229 a month out of pocket. K. Yeah. It is a lot. It's gone up. Yep. Yeah. Now we did a couple of quotes. The the one that really stands out to me is if you dropped it from a 160,000 to a 100,000 flat, it goes from $2.30 a month to $1.40. What? So that's a like for like kind of 40% reduction in covering cost. And that, I guess, sounds a little bit more reasonable, but I'm guided by you on what you can afford. How does that sound? Yep. So it goes from what? $1.66 cover. So if something happens, $1.66 down to what? Just 100 straight flat. Correct. Both family protections remain the same. It's Check just here the and one see what's 60 going six on and now. the 100. Yep. So I lose $66,000 if I do get something that's not covered, like a heart attack or something.","start_word":401,"end_word":765,"sentiment":"neutral","sentiment_score":-0.014581361346661229},{"text":"Well, that sounds that sounds great. I like the sound of that one.","start_word":766,"end_word":778,"sentiment":"positive","sentiment_score":0.5499008297920227},{"text":"Correct. That's Okay. just So to one to $1.40 a yeah. month. $2.02 29 down to $1.40. Jesus. Yep. Okay. Can we change that one? Because, yeah, Yep. I don't Absolutely. I don't I don't I don't think well, touch wood. I don't have any major health problems or anything. I've just had a bit of a checkup. So yeah. No. We'll do that. If you can drop that one, that And would give up in the my cool thing with reductions is you don't have to go through underwriting, so there's no additional health checks to reduce cover. It's only Okay. if you're trying to increase or get new cover. I said, yeah. Okay. No. That sounds fine. Yep. Yep. Yep. Yep. That's the I don't think anything's gonna happen. So and I'm still covered anyway. Because is that quite the standard? Because I thought I was paying they did say I was paying extra for that even though I was really not getting any better photos in my mind. Yeah. The standard we usually range it between 100,000 and 200,000 depending on age and affordability. So I think Yep. a 100 I do a lot of a $100,000 quotes, which is, you know, partners can spend a bit of time looking after you if you have a heart attack. You can pay for private private not health cover, but private treatment, which is a lot faster.","start_word":779,"end_word":1016,"sentiment":"neutral","sentiment_score":-0.03739257529377937},{"text":"So it's it's definitely a good one, and the average that you need is between one to two hundred.","start_word":1017,"end_word":1035,"sentiment":"positive","sentiment_score":0.5984355807304382},{"text":"Okay. Yeah. No. A 100 sounds good because I've still got a lot of, and I'm covered under work cover as well.","start_word":1036,"end_word":1057,"sentiment":"neutral","sentiment_score":0.2897200584411621},{"text":"So that's fine. So that's cool.","start_word":1058,"end_word":1063,"sentiment":"positive","sentiment_score":0.488896131515503},{"text":"Yep. No. That sounds good. A Yep. 100 is fine. Now when it comes to health side of things, we did do some research to try and find some cheaper providers, especially for the cover that's paid through your super. Yep. The only thing that I can note was that you had the somewhat recent diagnosis of the iliotibial band syndrome for the, I think, the knees. Yeah. I have yep. Yep. So based on that, I probably wouldn't switch providers necessarily because the new policy, full underwriting, you'd probably get, like, a a a specific knee exclusion on that part of your body that you don't currently have on your AIA policy. Okay. But when it comes to the reductions, we had some reduction quotes for the super cover as well, which was basically the last thing I wanted to run you through. So when it comes to the life disability and income protection, you have just under 1,100,000 of life insurance and total disability, which Yep. that's your lump sum cover. Pass away, can never work again, a bit more than 1,000,000 plus your super on top. Now I think the mortgage car noted down was under 400,000 now. No. What's she sitting on? Yeah. She's sitting under just under 5, around 5 at the moment. Around 5. Alright. Yep. So let's say in that scenario, you have the mortgage paid off plus half $1,000,000 plus your super there. Now that combined is just under 4,000 coming out of the super per year. I did look at, with Kyle, some reductions to 850,000 and a reduction to 750,000. Now going down to the 750,000 brings it from about 4,000 to about $222,300. So that's a pretty decent savings there, but it's not your most expensive cover. So I just wanted to run by you. Do you do you feel like the million is still kind of what you would need, or do you like the sound of dropping it down that far? I'm thinking what was the $8.51? So the 8 Is 50 it one was, like, 3,000. So it goes from, like, 4 to 3 to 2.2. yeah. So am I saving anything if I drop it, though, really? And Not particularly. The main one that worries me more is the income protection because that's seven and a half out of out of your super. Yes. It gets a 15% rebate.","start_word":1064,"end_word":1467,"sentiment":"neutral","sentiment_score":-0.005815793916878134},{"text":"That's lovely.","start_word":1468,"end_word":1469,"sentiment":"positive","sentiment_score":0.6482319235801697},{"text":"But seven and a half for $5,900 worth of cover.","start_word":1470,"end_word":1479,"sentiment":"neutral","sentiment_score":0.1832912117242813},{"text":"Now you have a really beautiful old policy which covers you for 75% of your income.","start_word":1480,"end_word":1495,"sentiment":"positive","sentiment_score":0.5416833758354187},{"text":"Yep. But I think I had your income noted down at about 72,000 per annum. Does Yep. that sound about right? Yeah. That might be about 72, 74. It hasn't gone anywhere near 80. Like, I'm still way under 80. So yeah. No. That's Yeah. that's So right. what's happening is that cover's slowly increasing every year as well, which means that you're technically over insured for the income protection quite a bit. Oh, good.","start_word":1496,"end_word":1570,"sentiment":"neutral","sentiment_score":-0.01624731533229351},{"text":"Great. It does So cover I'm happy.","start_word":1571,"end_word":1577,"sentiment":"positive","sentiment_score":0.39653414487838745},{"text":"super on top, like a retirement optimizer, so they pay some of your super contributions, which minimizes that a little bit. But Yep. based on your current income, you probably need cover more like 4,500 a month, not 5,900, give or Okay. take a bit of super contributions on top. So you can drop that one. Yeah. And so that one dropping down, that probably saves another 1,500. A year. Correct. Jesus. Yeah. No. So You definitely that drop one's that one okay? Yep. in. Yeah. Definitely drop that. Alright. So I thought they did say that I was overpaying on that one. That must've been the one they did say I was overpaying the premium because it's only 75% and I was paying more. So yeah. No. If you can drop that one, definitely drop that one in. Yep. So IP and trauma, that's fine. And then, again, Yep. when it comes to life and TPD, if you dropped it a bit, it would go down a thousand or 2,000 depending on how far you wanna go. Do you wanna Yep. leave that one alone for another year until you pay down more of the mortgage, or do you wanna give that a Yeah. bit of a trip? Yeah. Yeah. Yeah. I just yeah. If something happens, I just need Scott to be covered and because we actually have three dependents. I have my oldest son who's 24 living at home as well. So if something happens, he's basically gotta Yes. cover that kid as well even though he's not a dependent, if you know what I mean. So yeah. We have three children, but I well, I have four, but I need three live at home. So, yeah, the older kid is with me. So, yeah, I gotta Yeah. sort So of that cover lump sum that is one really as well. important for you guys. Yep. Yeah. And it would Yeah. help dad pay off his all of his student loans and whatnot as well. So, you know, I sorta need that one as well. So, yeah, that's the deal.","start_word":1578,"end_word":1930,"sentiment":"neutral","sentiment_score":0.028373406226443333},{"text":"Cool.","start_word":1931,"end_word":1931,"sentiment":"positive","sentiment_score":0.4171599149703979},{"text":"So for the time being, let's do a bit of a trim on the income protection and the trauma just so you can get a bit more affordability out of pocket Yep.","start_word":1932,"end_word":1963,"sentiment":"neutral","sentiment_score":0.1972174495458603},{"text":"That'd be great.","start_word":1964,"end_word":1966,"sentiment":"positive","sentiment_score":0.5942338705062866},{"text":"and minimize the impact to your super a little bit. And then Yep. we would just have to keep an eye on it on a yearly basis because, again, price is gonna jump up every year. That's will Yep. hopefully come down. Super will hopefully come up, and we can Yep. kinda just keep rebalancing it every year. Just I would keep probably says 20 do an eight. alteration a tweak every twelve months, I would absolutely do at this point. Okay. Cool.","start_word":1967,"end_word":2049,"sentiment":"neutral","sentiment_score":0.07799568772315979},{"text":"It's Sounds not something good. I would leave. If you left it for twenty four months, it could jump up another $3, and then it's just eating away at your super. Yeah. So it's not worth even putting so to me, to be honest with you.","start_word":2050,"end_word":2095,"sentiment":"negative","sentiment_score":-0.5536861575168112},{"text":"No. That Yes. sounds good. Yep. So what I'll do is I'll put together those reduction quotes with the reduction in the risk for the super from high growth Yep. down to growth, and I'll put Yep. that in an updated advice document, get that through to you for a quick chat. If you're Yep. happy, you sign off, and we'll jump ahead and do it. Yep. And do I will I need to do anything with the AII? Or do you guys do that, and then it will just wanna make you We will do most of that with you. So we'll get you to sign, like, a reduction letter, and then Yep. we'll forward that off to them. Yep. And then they should just automatically do it with the next next month's payments or whenever it comes out. So yep. Correct. The only thing is I might activate quicker on the trauma cover because if it takes me a week and a half to get the the document to you and and a quick sign off, And then by the time they process it, I might see Another if I can month. get a reduction letter to you quicker. Okay. Yeah. That sounds fine. Next last year, Yeah. that's fine.","start_word":2096,"end_word":2307,"sentiment":"neutral","sentiment_score":0.1210642158985138},{"text":"Thank you so much for No worries at all.","start_word":2308,"end_word":2316,"sentiment":"positive","sentiment_score":0.4172082543373108},{"text":"That's pretty much everything. The other thing that Carl mentioned was just making sure we've got the estate planning up to date, put in place wills, power of attorney, all that kind of thing. Yeah. I sort of do need to do a will, to be honest. Yep. And, look, there's three main options. You can see a solicitor. You can even go to you know, like, the courthouse of the public trustee for every state can also put in place wills and power of attorney. Usually, a Okay little bit then. more affordable. And, also, you can if you really want to, you can get a a will kit from the post office for $25 and the same thing for a power of attorney kit. So if Okay. if that's a barrier that makes it a bit easier to get at least something in place, that's And something what? You just to get consider. it signed off by JP? Is that how they do it? Yeah. And I think you've gotta have a couple of witnesses. Oh, it's okay.","start_word":2317,"end_word":2496,"sentiment":"neutral","sentiment_score":0.08165179366866747},{"text":"That's fine.","start_word":2497,"end_word":2498,"sentiment":"positive","sentiment_score":0.3514972925186157},{"text":"I might actually do it. I didn't even know that was available.","start_word":2499,"end_word":2510,"sentiment":"neutral","sentiment_score":0.14559316635131836},{"text":"Thank you for that.","start_word":2511,"end_word":2514,"sentiment":"positive","sentiment_score":0.607478678226471},{"text":"Didn't even know No that was worries available. at all. Look. You can always get an updated, Will, once you've seek, like, legal advice, but at the at the first port of call, just having something is better than nothing. Yeah. I think we my partner and I both don't have one, and we have two other children and two younger children. So the the game is they're two older ones to look after them when they go, but that could change. Yeah. So that's the thing that I I kinda wanna mention is that your your finances are pretty straightforward with the the house and the cars and the income and the super, so that's all okay. Yep. You can get more complex in looking after adult and minor children in terms of testamentary trust wills. So if you wanna go that far, you can actually Oh, set up and place a will that sets up a trust fund for them. Like, you've got all those options on a scale, but the basic one okay.","start_word":2515,"end_word":2690,"sentiment":"neutral","sentiment_score":0.10130388289690018},{"text":"is definitely helpful.","start_word":2691,"end_word":2693,"sentiment":"positive","sentiment_score":0.34781891107559204},{"text":"Yep. No. I might actually think about doing it for myself and him because he sort of do need because we're both getting that a little bit older. So yeah. Definitely. Yep.","start_word":2694,"end_word":2725,"sentiment":"neutral","sentiment_score":0.03141012415289879},{"text":"Absolutely.","start_word":2726,"end_word":2726,"sentiment":"positive","sentiment_score":0.3648713827133178},{"text":"I'll go away and get this research finalized for the super and the insurances. Was there Yep. anything else that you needed at the moment? No. I think Scott has he's still the 100% beneficiary on all those forms. He should still be. I think I haven't changed anything, have I? Can you guys I'm still see that? going to double check both of them, and that's still what you want. Right? Yep. Yep. Definitely. He's still the main one. So I'll just leave him as that. And then if I just get and get a wool kit from the post office, I'll just still leave him and just do what I need to do for the kids. No.","start_word":2727,"end_word":2845,"sentiment":"neutral","sentiment_score":0.1006431932709798},{"text":"That sounds good.","start_word":2846,"end_word":2848,"sentiment":"positive","sentiment_score":0.34237247705459595},{"text":"As long as he's still on me, that's the main thing because we talked about the other day. If something does happen, as long as he's on there still and I'm on his, so that's fine.","start_word":2849,"end_word":2884,"sentiment":"neutral","sentiment_score":0.1133791133761406},{"text":"That's cool.","start_word":2885,"end_word":2886,"sentiment":"positive","sentiment_score":0.5284326076507568},{"text":"Yep.","start_word":2887,"end_word":2887,"sentiment":"neutral","sentiment_score":0.2705767750740051},{"text":"Perfect.","start_word":2888,"end_word":2888,"sentiment":"positive","sentiment_score":0.4971272349357605},{"text":"I will look into that today. And Yep. if there's anything that's missing, I'll get someone to post out a beneficiary form straight away. Yep. Do you have two minutes for me? I can log on to your hub account right now if you like. Yep. And I go on. Yep. I don't have I can't access it. I know you guys can.","start_word":2889,"end_word":2951,"sentiment":"neutral","sentiment_score":0.044491104781627655},{"text":"That's cool. Perfect.","start_word":2952,"end_word":2954,"sentiment":"positive","sentiment_score":0.3511086106300354},{"text":"It's just I have to go through that quick little multifactor authentication, which just takes that extra thirty seconds. So Okay. I do apologize. It won't be long. Sir, I'm not working today. It's all good. No problem. Perfect. Perfect. So we've got our password for the adviser login. Oh, did I do that right? Here we go. It's funny. I've got an authenticator, and then they send me a text message as well and a password. They've got three Okay. points, Oh, gosh. which is a lovely amount of security, but it's just it gets Takes time. old after a while. Yeah. I would do. Yeah. I can imagine. When I do the same thing for work, you're gonna yeah. Just as you mean to. 178260. Done. Alright. I'm into Hub. I'm just loading up your account now. There we go. Alright. And good thing at least is that the the stock market bounced back a little bit the last couple of weeks, so that's creeping back up again. Again, reduction of risk is the main thing, but to get a little bit back after the drop is good. And then we've Yeah. got I did. your beneficiary. Yes. Scott Perce, a 100%. That was put Hope. in place in 2021, nonlapsing. So it's not gonna expire, and it is legally binding. So it won't if something does happen and there is like, I don't have a will in place, he will still be okay. That's the main thing because I said we don't have wills the other day when I was talking to Kyle, and I actually thought about it if something happens. Yeah. Because I have had stories that they all can't get any money even after I've gone. So, no, that's fine. As long as it's legally binding, it's a 100%. That's fine. That's cool. Yep. Sweet. So the super is fine. That'll be direct and quick. It's literally just a death certificate and some identification, and then that's Okay. sorted. I will Yep. double There check the AIA we insurance as well go. and let you know. Yep. I think he's still he should be a 100%. That's my thing. Yeah. No. It's my thing. I because my mother-in-law passed away, her husband, and they had so much time because she wasn't on the well, then, yeah, I was just thinking about it. We're gonna need to get that sorted. So yep. No. That's fine. Yeah.","start_word":2955,"end_word":3365,"sentiment":"neutral","sentiment_score":0.0596737998589837},{"text":"Thank you It so can much for be that.","start_word":3366,"end_word":3374,"sentiment":"positive","sentiment_score":0.4240386188030243},{"text":"time and a cost. That is no worries. Anything else I can do for you, Lynn? No.","start_word":3375,"end_word":3391,"sentiment":"neutral","sentiment_score":0.2270105630159378},{"text":"If you can drop all those payments, it would be so much so lovely.","start_word":3392,"end_word":3405,"sentiment":"positive","sentiment_score":0.34028950333595276},{"text":"No But, worries yeah, other at than that, all.","start_word":3406,"end_word":3414,"sentiment":"neutral","sentiment_score":0.09713725000619888},{"text":"that's great. Perfect. Thank Awesome. you so much for that. Have a lovely day, and I'll get the team to reach out to book you in for that final catch up. Yep. Awesome. Thank you so much for that. Cool. Thank you. Bye.","start_word":3415,"end_word":3457,"sentiment":"positive","sentiment_score":0.7116572094518084},{"text":"Bye.","start_word":3458,"end_word":3458,"sentiment":"neutral","sentiment_score":0.2951083183288574}],"average":{"sentiment":"neutral","sentiment_score":0.060746942999904144}}}}