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The whole family has come down with a flu. So if I'm a bit hard in the throat, please forgive me. Totally. Totally. Sally, I'm just going through a bit of an updated chat with you from where we left off last year. Do you still have time this morning? Perfect. So before I jump into any personal details, I just need to confirm that you're okay for the calls to be recorded. And usual security process, I don't think they have a client password on file, so I will need to confirm date of birth and address, please, if that's okay. Yes. We've got Benoit. Beautiful. Now I'm registered with our pick of adviser 1273105 just to identify myself. And if you recall, we were trying to get you own occupation TPD. Cool. So we were basically waiting until now to make sure that we were six months symptom free from the hand just to make sure that we can get through the underwriting side of things. How's all that been? Has it been okay? And that's amazing. You need to do the job as well, isn't it? Yeah. It's like previous in condition kind of thing. And because it was, like, a recent change, they're looking backwards now. Yeah. So to be as safe as humanly possible, what we need to do is pre assess the underwriting with regards to the head. So we know straight away that Zurich is much cheaper and that's because Tower was gonna charge you $44 a month out of pocket. That's a bit too high, so we're leaning towards Zurich. When we contact Zurich this week, we're pretty much gonna ask them, can we get through for the definition that we're after without any exclusions on hand? If they do offer an exclusion on hand Yes. Exactly right. Because any sort of again, they go to claims. They look at doctor's report, any mention of a preexisting issue. If it's not disclosed, they go, oh, well, I haven't paid your claim. So through this underwriting process, we want to disclose everything upfront, make sure it can get through. If it's gonna look like if it's gonna be like a hand exclusion where they go for that one hand, we're not gonna pay anything related to hand in general, not just thumb. Because sometimes they get very specific. Sometimes they get very broad. Like, in a thumb issue and they exclude your entire head. If that comes through in their operating exclusion, the the decision matrix basically is, do we want the owner occupation definition more than the ability to claim on the head? If the head is gonna be the main thing because that's what you need for your job, then it's probably not best. For do you agree with that? Yes. Absolutely. And I made a few notes last time as well about the specifics on the hand. And the only other thing that was mentioned health wise, so what I had for the hand was at the time, so it's been around six months now, there was MOBIC for anti inflammation, cortisone injection, no time off work, and fully resolved is what I've noted down. Yep. Yeah. Yeah. So we've got for the HRT, and then we've got hypothyroidism, medicated, and more managed. And that's the right one. Is it a hypo, not hyper? Oh, yeah. Absolutely. Because I think last time we had 54. So it's pretty much around the same ballpark. Again, fiddle to fiddle. And that's why I do these checks upfront because part of my job is not to replace your product with something that's going to be less off. And if your main fear is not being able to claim on something, I can't put you into something that's gonna pause that specifically because of my advice. So updated, like, pricing wise, I think it's come out now this year $18.64 a month for the own occupation CPD. So still pretty good on the ballpark, But I'm just double checking the income protection side of things just to make sure that doesn't shoot up because all the other policies were, like, $600 cheaper overall. So that would be pretty good. But, again, the main thing is just the the underwriting side of things. And if there's gonna be a hand exclusion, I'll just let you know straight away. Yeah. Yeah. So last November, it was a 161 out of pocket for the definition outside super, and then everything else was paid through the super. You've kind of got that flexi linking income protection, and what we're trying to get you is, like, flexi link TPD where most of it's paid through the super, little bit out of pocket, and you get the extra definition. So I'll double check the quoting on the income protection because overall, life TPD income protection looks good. The TPD phone occupation looks really good. I just wanna double check that they're not gonna shoot up your out of pocket income protection to above what you paid last time. Because anytime we do a replacement, because you pay yearly, they will give you a pro rata refund anyway. So anything you've already paid, we'll get back. Yes. Yeah. Oh, yep. Yeah. They would I think occupation duties wise, they're pretty good with the physiotherapist encompassing all the different things that physio could do. If if you fall outside of the normal normal practice, Like, if you had a very niche market where all you were doing was driving out to the country and, you know, work on a mine site, teaching them Pilates where there's explosives, then they go, oh, that's a risk outside the norm. But if you're doing duties that any physio could do, then that would be encompassing that occupation definition. Yeah. Oh, you'd be able to prove an income drop pretty easily. And especially when you get if you do get out of occupation, they're pretty well like oh, if you can't work and the doctor's saying you can't work, then your income's dropping and you need income replacement, so there's your income protection. But, again, remember, TPD is about the doctor saying you can't go back to work. So, literally, if your hand breaks, you're like, I can't generate that income anymore. They they always do these days, like, return to work plan kind of thing. Like, oh, can you can you slowly improve the hand over time and so on? But they won't make you go and do, especially if you're self employed. They they can't make you generate income in a different way. If you're working for a company where you're like, I was doing a bit of a white collar office work, and they're like, oh, your employee is literally telling you that you can switch into this and still earn an income. Well, then there's no income loss, if that makes sense. Company and your employer is like, oh, you can't do this job, but we're literally offering you to this job at the same pay with slightly different duties. Or the insurer is gonna say there's no income loss because you're literally switching within companies and you've accepted that. You know what I mean? Yes. Yeah. Right. Yeah. I getcha. Yep. Oh, yep. Yeah. Right. So yeah. A 100%. So when I go through, like, the TAO PDF and Azure PDF as an example, I know that they can't exclude conditions or body parts unless it's a preexisting. So that's where they go, oh, you know, you had a knee reconstruction, so therefore specific exclusion written on the policy for that body part of condition. Outside of that, the claim definitions, they're pretty kind of clear cut with a doctor. So what we were saying last year between any occupation and own occupation is if your doctor says you can't work any or your specific occupations that you're reasonably suited to with education, training, and experience, then here's your lump sum. Income protection is literally doctor says you can't go back to work for longer than the waiting period. It's very, very kind of broad and very claimable. There's no they can't write in exclusions to conditions unless it's been in the underlying process. A 100 percent. And look through through our employer, like, I've I've seen the way WorkCover operates these days, and you're exactly right. Like, they have so many ways of getting people off work cover. It's just not funny at that point. Mhmm. Whereas what I experienced with with, like, income protection claims, I've seen some really old funds have this juking out between the insurance doctor and the client's doctor, and that can get a little bit messy. But anytime you've got a policy work which was just based on what your doctor's reports are, I think that's a lot safer. Because the moment they can try and swing in another professional, that's where it gets murky. Yes. Yeah. Well, funnily enough, so I've been doing a lot of, like, TPD claims advice recently where people get paid out 700,000, and we're telling them how to make it last and all that kind of thing. And we had clients who were underwritten under an occupation that was really good. It was like office space, university degree. It was like white collar, really high rated. And they actually moved through another company doing a manual job, and they were still paid out based on the duties they were doing at the time. Yes. Yeah. And I think the one you've gotta watch out for is exactly what you were saying when it comes to work cover is a target area for insurers is really long term income protection claims where people have policies that pay to the age of 65, and they've got people who are claiming for thirty years. And they're going, well, at some point, they wanna add things to their new policy saying that you should have return to work plans and actually try and an actual payment of five years or something like that, I believe. Yeah. Exactly. Right. And then it goes to the lump sum You can have they can expire well into the some of them up to the age of 99, but you never hold a policy for that long because the price skyrockets up to $2,030,000 dollars a year. So it's just not tenable to have that. The income protection you've got is a benefit period of five years, and the CPD that has an expiry date, I'll give it to you now, of, yeah, 2039. So it's '65. So November 2039. So that's four thirty almost fourteen years away. Right. Oh, that's right. You've got a February birthday. Yep. Yep. It's got the November 1. Yep. And and, again, hopefully, we've built up, like, the super enough that you don't need TPD insurance at that point because, again, I don't want you paying $20,000 a year. I have some 60 year old walk through the door, and they're like, oh, my sister's going backwards because I'm paying $20 a year. Oh, jeez. Why didn't anybody reduce this? So, you know, I paid off necessary. Yeah. We've got so Sevi doesn't do trades manually because he's sort of the director, but you're kind of falling under Sevi and I as senior adviser and director for the advice side of things. We have a operations head who does all the actual trading and buying and selling and selling. That was two things I was gonna quickly ask you. Oh, no. He's still he's actually when I spoke to you last year, he was away for a while, and he's back this year. But because I'd already spoken to you about the insurances, I just wanted to jump on the call and see if we could move it along for you. With the super itself, I was wanting to double check if you needed me to update any of the investments there because I was having a look at the super this morning. It had been a little while since our last chat. Have you managed to log on to it recently at all? Yeah. Yeah. So it's cleared 201,000 now, sitting at two zero one eight nine three. So it's pretty much when I look at the graph of it, it's just steadily up with growth and contributions going in. It's I think it's clear just under 9% after fees this year because, obviously, markets have been dropping since Christmas. So that's pretty normal. I'm looking at the eight options that you've got. So eight options that make up your portfolio. All of them are a Benelong Australian option, which has gone down a little bit. So I'd probably keep an eye on that one. Gold has I don't know if you've seen what happened with gold, but it shot up a couple of 100%. And then it crashed back down last month, but it's just all over the place, but overall, pretty fantastic. Fantastic. Okay. So what I'll do is I've got you flagged in for let me just double check. We've got kind of like an August, September review. Portfolio is doing well. I'll just keep an eye on this option. And if it hasn't kind of picked up by August, September, I might look at replacing. Cool. Last question I have for you was just around the income side of things because your your income protection index is every year. So they bump up your cover amount with inflation, and you're technically protecting an income of a 130,000. I think last figure I had was you're only about a 112 at the time. Yes. Gotcha. Yeah. Yeah. Yeah. Absolutely. So that's what I was gonna say is the gross would drop down slightly. K. So based on this year sorry. Go ahead. Gotcha. Gotcha. And you still the the company earnings, that's still all based on your personal exertion. You don't have 100 staff making all the money for you, dude. K. So I'm just working out the quick pay calculator based on this financial year, and you said it was $3.01 $9.02 that you take in here? Perfect. So, technically, $3.02 $5.05. That's a little bit too high. I'm just gonna work it back. Bear with me for two seconds. And you said three one $9.02. Yeah. Correct. So at the very least, what we might need to do is do a bit of a trim down because you're technically paying slightly above what you could claim. So you you technically, like, there your gross income that's protected is a 100 and and about a 108, a 109,000 based on that net take home. But you you're technically insured for a 130,000, so they would only pay you on a 100 and 8. So what I'll do is I'll go through the underwriting with Zurich to see about the hand exclusion to see if it's working. And the thousand of that, I'll base it on 70% on your, like, paper income just to make sure that you're not overpaying, if that's okay. Correct. Yeah. So even if we let's say we didn't switch from towel, at the very least, maybe we trimmed down the income protections slightly so you don't overpay. K. And nine 100 and I reckon. Why not? Okay. An extra $100 of fortnight net possibly as a pay rise. That's Yeah. Yep. I'm with you. Yes. Yeah. So they would add it. They basically go back twelve months. And so if you'd already taken out $3.04, $5 extra, that's all in the paperwork that you'd submit for the last twelve months of the income that you have determined. And, again, it's just making sure that you have enough ceiling of cover amount. So, obviously, if we drop it down to 108, but you took more out, they would only pay you based on the maximum, all that kind of thing. So I don't want to trim it down too far. But, again, twelve months income. Yeah. No. It doesn't matter if it's a lump sum or regular. If your entire income was very irregular, that would cause an issue. They would try and average it out. But because you've got the average income and it fluctuates a bit because you're self employed based on how you wanna pay yourself and and tax minimization and so on. They factor that in pretty easily. But if your income was all over the shop, they would just try and work out. Yeah. Cool. So I'll bump it up 2,600 net, and I'll work back the gross on that and then add it to the $3.01 $9.02 $0.04 9. And that should be where we keep income protection at. Perfect. What about the lump sums for the life and the TPD? Because that's just shy of 950,000. Is that still okay? Well, if you combine it with income protection, you pay off the mortgage, leave you with half a mill plus five years worth of income protection plus super, you should be okay. I mean, I could I could possibly if it still works out cheaper and we do end up switching, I could bump it up to a mill, give you the extra 50,000 if you want. Yeah. And, again, it's just a pricing thing too because it'll increase next year and just gonna keep on top of it. Well, we can choose whether it has a notation on it or not. I was playing around with the Zurich quote to see how I can't actually quite see if it's got indexation on it, but I'll just check your original application and see if it pops up in there, which it looks like it doesn't have it on there. Yeah. That's right. Yeah. That should get you through to, again, get close to the 60, have that, you know, with the mortgage off, less repayments to have to worry about for the cash flow, and it's just trying to get the super up. Because, again, if I add an extra couple of thousand dollars coming out in premiums, then all of a sudden starts going backwards. We can't build that asset up. But 2 100 thousand yeah. Nothing too crazy because the world's kind of on fire at the moment, but just a nice steady growth like you've been seeing. Good. And we'll see where we can get it to by around 60. Cool. So so I'll get the team onto underwriting with Zurich and Tal just to see what that looks like for exclusions. I've got some figures here to adjust everything with a little bit, and I'll keep an eye on that super option for our next review around August, September. Anything else I can go over with you today? No worries at all. It was lovely catching up with you again this new year. And, again, sorry that I'm a bit today, but you too, Sally. 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morning, Sally. It's Tommy here, senior adviser from. How are you doing? I'm doing fantastic. Happy New Year to you.\n\nThank you. Thank you. I do apologize. I'm a bit croaky today. The whole family has come down with a flu.\n\nSo if I'm a bit hard in the throat, please forgive me. Totally. Totally. Sally, I'm just going through a bit of an updated chat with you from where we left off last year. Do you still have time this morning?\n\nPerfect. So before I jump into any personal details, I just need to confirm that you're okay for the calls to be recorded. And usual security process, I don't think they have a client password on file, so I will need to confirm date of birth and address, please, if that's okay. Yes. We've got Benoit.\n\nBeautiful. Now I'm registered with our pick of adviser 1273105 just to identify myself. And if you recall, we were trying to get you own occupation TPD. Cool. So we were basically waiting until now to make sure that we were six months symptom free from the hand just to make sure that we can get through the underwriting side of things.\n\nHow's all that been? Has it been okay? And that's amazing. You need to do the job as well, isn't it? Yeah.\n\nIt's like previous in condition kind of thing. And because it was, like, a recent change, they're looking backwards now. Yeah. So to be as safe as humanly possible, what we need to do is pre assess the underwriting with regards to the head. So we know straight away that Zurich is much cheaper and that's because Tower was gonna charge you $44 a month out of pocket.\n\nThat's a bit too high, so we're leaning towards Zurich. When we contact Zurich this week, we're pretty much gonna ask them, can we get through for the definition that we're after without any exclusions on hand? If they do offer an exclusion on hand Yes. Exactly right. Because any sort of again, they go to claims.\n\nThey look at doctor's report, any mention of a preexisting issue. If it's not disclosed, they go, oh, well, I haven't paid your claim. So through this underwriting process, we want to disclose everything upfront, make sure it can get through. If it's gonna look like if it's gonna be like a hand exclusion where they go for that one hand, we're not gonna pay anything related to hand in general, not just thumb. Because sometimes they get very specific.\n\nSometimes they get very broad. Like, in a thumb issue and they exclude your entire head. If that comes through in their operating exclusion, the the decision matrix basically is, do we want the owner occupation definition more than the ability to claim on the head? If the head is gonna be the main thing because that's what you need for your job, then it's probably not best. For do you agree with that?\n\nYes. Absolutely. And I made a few notes last time as well about the specifics on the hand. And the only other thing that was mentioned health wise, so what I had for the hand was at the time, so it's been around six months now, there was MOBIC for anti inflammation, cortisone injection, no time off work, and fully resolved is what I've noted down. Yep.\n\nYeah. Yeah. So we've got for the HRT, and then we've got hypothyroidism, medicated, and more managed. And that's the right one. Is it a hypo, not hyper?\n\nOh, yeah. Absolutely. Because I think last time we had 54. So it's pretty much around the same ballpark. Again, fiddle to fiddle.\n\nAnd that's why I do these checks upfront because part of my job is not to replace your product with something that's going to be less off. And if your main fear is not being able to claim on something, I can't put you into something that's gonna pause that specifically because of my advice. So updated, like, pricing wise, I think it's come out now this year $18.64 a month for the own occupation CPD. So still pretty good on the ballpark, But I'm just double checking the income protection side of things just to make sure that doesn't shoot up because all the other policies were, like, $600 cheaper overall. So that would be pretty good.\n\nBut, again, the main thing is just the the underwriting side of things. And if there's gonna be a hand exclusion, I'll just let you know straight away. Yeah. Yeah. So last November, it was a 161 out of pocket for the definition outside super, and then everything else was paid through the super.\n\nYou've kind of got that flexi linking income protection, and what we're trying to get you is, like, flexi link TPD where most of it's paid through the super, little bit out of pocket, and you get the extra definition. So I'll double check the quoting on the income protection because overall, life TPD income protection looks good. The TPD phone occupation looks really good. I just wanna double check that they're not gonna shoot up your out of pocket income protection to above what you paid last time. Because anytime we do a replacement, because you pay yearly, they will give you a pro rata refund anyway.\n\nSo anything you've already paid, we'll get back. Yes. Yeah. Oh, yep. Yeah.\n\nThey would I think occupation duties wise, they're pretty good with the physiotherapist encompassing all the different things that physio could do. If if you fall outside of the normal normal practice, Like, if you had a very niche market where all you were doing was driving out to the country and, you know, work on a mine site, teaching them Pilates where there's explosives, then they go, oh, that's a risk outside the norm. But if you're doing duties that any physio could do, then that would be encompassing that occupation definition. Yeah. Oh, you'd be able to prove an income drop pretty easily.\n\nAnd especially when you get if you do get out of occupation, they're pretty well like oh, if you can't work and the doctor's saying you can't work, then your income's dropping and you need income replacement, so there's your income protection. But, again, remember, TPD is about the doctor saying you can't go back to work. So, literally, if your hand breaks, you're like, I can't generate that income anymore. They they always do these days, like, return to work plan kind of thing. Like, oh, can you can you slowly improve the hand over time and so on?\n\nBut they won't make you go and do, especially if you're self employed. They they can't make you generate income in a different way. If you're working for a company where you're like, I was doing a bit of a white collar office work, and they're like, oh, your employee is literally telling you that you can switch into this and still earn an income. Well, then there's no income loss, if that makes sense. Company and your employer is like, oh, you can't do this job, but we're literally offering you to this job at the same pay with slightly different duties.\n\nOr the insurer is gonna say there's no income loss because you're literally switching within companies and you've accepted that. You know what I mean? Yes. Yeah. Right.\n\nYeah. I getcha. Yep. Oh, yep. Yeah.\n\nRight. So yeah. A 100%. So when I go through, like, the TAO PDF and Azure PDF as an example, I know that they can't exclude conditions or body parts unless it's a preexisting. So that's where they go, oh, you know, you had a knee reconstruction, so therefore specific exclusion written on the policy for that body part of condition.\n\nOutside of that, the claim definitions, they're pretty kind of clear cut with a doctor. So what we were saying last year between any occupation and own occupation is if your doctor says you can't work any or your specific occupations that you're reasonably suited to with education, training, and experience, then here's your lump sum. Income protection is literally doctor says you can't go back to work for longer than the waiting period. It's very, very kind of broad and very claimable. There's no they can't write in exclusions to conditions unless it's been in the underlying process.\n\nA 100 percent. And look through through our employer, like, I've I've seen the way WorkCover operates these days, and you're exactly right. Like, they have so many ways of getting people off work cover. It's just not funny at that point. Mhmm.\n\nWhereas what I experienced with with, like, income protection claims, I've seen some really old funds have this juking out between the insurance doctor and the client's doctor, and that can get a little bit messy. But anytime you've got a policy work which was just based on what your doctor's reports are, I think that's a lot safer. Because the moment they can try and swing in another professional, that's where it gets murky. Yes. Yeah.\n\nWell, funnily enough, so I've been doing a lot of, like, TPD claims advice recently where people get paid out 700,000, and we're telling them how to make it last and all that kind of thing. And we had clients who were underwritten under an occupation that was really good. It was like office space, university degree. It was like white collar, really high rated. And they actually moved through another company doing a manual job, and they were still paid out based on the duties they were doing at the time.\n\nYes. Yeah. And I think the one you've gotta watch out for is exactly what you were saying when it comes to work cover is a target area for insurers is really long term income protection claims where people have policies that pay to the age of 65, and they've got people who are claiming for thirty years. And they're going, well, at some point, they wanna add things to their new policy saying that you should have return to work plans and actually try and an actual payment of five years or something like that, I believe. Yeah.\n\nExactly. Right. And then it goes to the lump sum You can have they can expire well into the some of them up to the age of 99, but you never hold a policy for that long because the price skyrockets up to $2,030,000 dollars a year. So it's just not tenable to have that. The income protection you've got is a benefit period of five years, and the CPD that has an expiry date, I'll give it to you now, of, yeah, 2039.\n\nSo it's '65. So November 2039. So that's four thirty almost fourteen years away. Right. Oh, that's right.\n\nYou've got a February birthday. Yep. Yep. It's got the November 1. Yep.\n\nAnd and, again, hopefully, we've built up, like, the super enough that you don't need TPD insurance at that point because, again, I don't want you paying $20,000 a year. I have some 60 year old walk through the door, and they're like, oh, my sister's going backwards because I'm paying $20 a year. Oh, jeez. Why didn't anybody reduce this? So, you know, I paid off necessary.\n\nYeah. We've got so Sevi doesn't do trades manually because he's sort of the director, but you're kind of falling under Sevi and I as senior adviser and director for the advice side of things. We have a operations head who does all the actual trading and buying and selling and selling. That was two things I was gonna quickly ask you. Oh, no.\n\nHe's still he's actually when I spoke to you last year, he was away for a while, and he's back this year. But because I'd already spoken to you about the insurances, I just wanted to jump on the call and see if we could move it along for you. With the super itself, I was wanting to double check if you needed me to update any of the investments there because I was having a look at the super this morning. It had been a little while since our last chat. Have you managed to log on to it recently at all?\n\nYeah. Yeah. So it's cleared 201,000 now, sitting at two zero one eight nine three. So it's pretty much when I look at the graph of it, it's just steadily up with growth and contributions going in. It's I think it's clear just under 9% after fees this year because, obviously, markets have been dropping since Christmas.\n\nSo that's pretty normal. I'm looking at the eight options that you've got. So eight options that make up your portfolio. All of them are a Benelong Australian option, which has gone down a little bit. So I'd probably keep an eye on that one.\n\nGold has I don't know if you've seen what happened with gold, but it shot up a couple of 100%. And then it crashed back down last month, but it's just all over the place, but overall, pretty fantastic. Fantastic. Okay. So what I'll do is I've got you flagged in for let me just double check.\n\nWe've got kind of like an August, September review. Portfolio is doing well. I'll just keep an eye on this option. And if it hasn't kind of picked up by August, September, I might look at replacing. Cool.\n\nLast question I have for you was just around the income side of things because your your income protection index is every year. So they bump up your cover amount with inflation, and you're technically protecting an income of a 130,000. I think last figure I had was you're only about a 112 at the time. Yes. Gotcha.\n\nYeah. Yeah. Yeah. Absolutely. So that's what I was gonna say is the gross would drop down slightly.\n\nK. So based on this year sorry. Go ahead. Gotcha. Gotcha.\n\nAnd you still the the company earnings, that's still all based on your personal exertion. You don't have 100 staff making all the money for you, dude. K. So I'm just working out the quick pay calculator based on this financial year, and you said it was $3.01 $9.02 that you take in here? Perfect.\n\nSo, technically, $3.02 $5.05. That's a little bit too high. I'm just gonna work it back. Bear with me for two seconds. And you said three one $9.02.\n\nYeah. Correct. So at the very least, what we might need to do is do a bit of a trim down because you're technically paying slightly above what you could claim. So you you technically, like, there your gross income that's protected is a 100 and and about a 108, a 109,000 based on that net take home. But you you're technically insured for a 130,000, so they would only pay you on a 100 and 8.\n\nSo what I'll do is I'll go through the underwriting with Zurich to see about the hand exclusion to see if it's working. And the thousand of that, I'll base it on 70% on your, like, paper income just to make sure that you're not overpaying, if that's okay. Correct. Yeah. So even if we let's say we didn't switch from towel, at the very least, maybe we trimmed down the income protections slightly so you don't overpay.\n\nK. And nine 100 and I reckon. Why not? Okay. An extra $100 of fortnight net possibly as a pay rise.\n\nThat's Yeah. Yep. I'm with you. Yes. Yeah.\n\nSo they would add it. They basically go back twelve months. And so if you'd already taken out $3.04, $5 extra, that's all in the paperwork that you'd submit for the last twelve months of the income that you have determined. And, again, it's just making sure that you have enough ceiling of cover amount. So, obviously, if we drop it down to 108, but you took more out, they would only pay you based on the maximum, all that kind of thing.\n\nSo I don't want to trim it down too far. But, again, twelve months income. Yeah. No. It doesn't matter if it's a lump sum or regular.\n\nIf your entire income was very irregular, that would cause an issue. They would try and average it out. But because you've got the average income and it fluctuates a bit because you're self employed based on how you wanna pay yourself and and tax minimization and so on. They factor that in pretty easily. But if your income was all over the shop, they would just try and work out.\n\nYeah. Cool. So I'll bump it up 2,600 net, and I'll work back the gross on that and then add it to the $3.01 $9.02 $0.04 9. And that should be where we keep income protection at. Perfect.\n\nWhat about the lump sums for the life and the TPD? Because that's just shy of 950,000. Is that still okay? Well, if you combine it with income protection, you pay off the mortgage, leave you with half a mill plus five years worth of income protection plus super, you should be okay. I mean, I could I could possibly if it still works out cheaper and we do end up switching, I could bump it up to a mill, give you the extra 50,000 if you want.\n\nYeah. And, again, it's just a pricing thing too because it'll increase next year and just gonna keep on top of it. Well, we can choose whether it has a notation on it or not. I was playing around with the Zurich quote to see how I can't actually quite see if it's got indexation on it, but I'll just check your original application and see if it pops up in there, which it looks like it doesn't have it on there. Yeah.\n\nThat's right. Yeah. That should get you through to, again, get close to the 60, have that, you know, with the mortgage off, less repayments to have to worry about for the cash flow, and it's just trying to get the super up. Because, again, if I add an extra couple of thousand dollars coming out in premiums, then all of a sudden starts going backwards. We can't build that asset up.\n\nBut 2 100 thousand yeah. Nothing too crazy because the world's kind of on fire at the moment, but just a nice steady growth like you've been seeing. Good. And we'll see where we can get it to by around 60. Cool.\n\nSo so I'll get the team onto underwriting with Zurich and Tal just to see what that looks like for exclusions. I've got some figures here to adjust everything with a little bit, and I'll keep an eye on that super option for our next review around August, September. Anything else I can go over with you today? No worries at all. It was lovely catching up with you again this new year.\n\nAnd, again, sorry that I'm a bit today, but you too, Sally. See you later.","paragraphs":[{"sentences":[{"text":"Good morning, Sally.","start":2.8,"end":3.76,"sentiment":"neutral","sentiment_score":0.32567353049914044},{"text":"It's Tommy here, senior adviser from.","start":3.76,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.22599570701519647},{"text":"How are you doing?","start":5.92,"end":6.74,"sentiment":"neutral","sentiment_score":0.21975234895944595},{"text":"I'm doing fantastic.","start":8.8,"end":9.94,"sentiment":"positive","sentiment_score":0.763715406258901},{"text":"Happy New Year to you.","start":10.0,"end":11.3,"sentiment":"positive","sentiment_score":0.7205406904220581}],"sentiment":"positive","sentiment_score":0.4336120904911132,"num_words":21,"start":2.8,"end":11.3},{"sentences":[{"text":"Thank you.","start":13.599999,"end":14.08,"sentiment":"positive","sentiment_score":0.5605356991291046},{"text":"Thank you.","start":14.08,"end":14.48,"sentiment":"positive","sentiment_score":0.3824734687805176},{"text":"I do apologize.","start":14.48,"end":15.28,"sentiment":"neutral","sentiment_score":-0.18949996928373972},{"text":"I'm a bit croaky today.","start":15.28,"end":16.345,"sentiment":"negative","sentiment_score":-0.47798454761505127},{"text":"The whole family has come down with a flu.","start":16.345,"end":18.025,"sentiment":"negative","sentiment_score":-0.485871821641922}],"sentiment":"neutral","sentiment_score":-0.259297652613549,"num_words":21,"start":13.599999,"end":18.025},{"sentences":[{"text":"So if I'm a bit hard in the throat, please forgive me.","start":18.025,"end":21.244999,"sentiment":"negative","sentiment_score":-0.4511584887901942},{"text":"Totally.","start":25.224998,"end":25.724998,"sentiment":"neutral","sentiment_score":0.06658732146024704},{"text":"Totally.","start":28.679998,"end":29.179998,"sentiment":"neutral","sentiment_score":0.09455426782369614},{"text":"Sally, I'm just going through a bit of an updated chat with you from where we left off last year.","start":30.84,"end":36.78,"sentiment":"neutral","sentiment_score":0.022756086522713305},{"text":"Do you still have time this morning?","start":37.16,"end":38.54,"sentiment":"neutral","sentiment_score":0.016598364604370936}],"sentiment":"neutral","sentiment_score":-0.11418170715886646,"num_words":41,"start":18.025,"end":38.54},{"sentences":[{"text":"Perfect.","start":40.76,"end":41.239998,"sentiment":"neutral","sentiment_score":0.2866886556148529},{"text":"So before I jump into any personal details, I just need to confirm that you're okay for the calls to be recorded.","start":41.239998,"end":46.925003,"sentiment":"neutral","sentiment_score":0.06414182179353455},{"text":"And usual security process, I don't think they have a client password on file, so I will need to confirm date of birth and address, please, if that's okay.","start":48.825,"end":62.579998,"sentiment":"neutral","sentiment_score":-0.01739726865519609},{"text":"Yes.","start":62.96,"end":63.46,"sentiment":"neutral","sentiment_score":0.01877710223197937},{"text":"We've got Benoit.","start":64.08,"end":64.979996,"sentiment":"neutral","sentiment_score":0.0075306811680396395}],"sentiment":"neutral","sentiment_score":0.02204744803228615,"num_words":56,"start":40.76,"end":64.979996},{"sentences":[{"text":"Beautiful.","start":66.799995,"end":67.299995,"sentiment":"neutral","sentiment_score":0.22521792352199552},{"text":"Now I'm registered with our pick of adviser 1273105 just to identify myself.","start":67.84,"end":73.295006,"sentiment":"neutral","sentiment_score":0.057354623021987766},{"text":"And if you recall, we were trying to get you own occupation TPD.","start":74.395004,"end":79.215004,"sentiment":"neutral","sentiment_score":0.011147900771063108},{"text":"Cool.","start":81.995,"end":82.475006,"sentiment":"neutral","sentiment_score":0.0952139049768448},{"text":"So we were basically waiting until now to make sure that we were six months symptom free from the hand just to make sure that we can get through the underwriting side of things.","start":82.475006,"end":94.66,"sentiment":"neutral","sentiment_score":-0.006586352965849287}],"sentiment":"neutral","sentiment_score":0.015919816725316546,"num_words":62,"start":66.799995,"end":94.66},{"sentences":[{"text":"How's all that been?","start":94.66,"end":95.62,"sentiment":"neutral","sentiment_score":0.024067151360213757},{"text":"Has it been okay?","start":95.62,"end":96.600006,"sentiment":"neutral","sentiment_score":-0.002676077652722597},{"text":"And that's amazing.","start":120.04,"end":120.840004,"sentiment":"positive","sentiment_score":0.7039583126703898},{"text":"You need to do the job as well, isn't it?","start":120.840004,"end":122.86,"sentiment":"positive","sentiment_score":0.47503627836704254},{"text":"Yeah.","start":154.91,"end":155.39,"sentiment":"neutral","sentiment_score":-0.16307243704795835}],"sentiment":"neutral","sentiment_score":0.30839679906652734,"num_words":22,"start":94.66,"end":155.39},{"sentences":[{"text":"It's like previous in condition kind of thing.","start":155.39,"end":157.705,"sentiment":"neutral","sentiment_score":-0.19704092480242252},{"text":"And because it was, like, a recent change, they're looking backwards now.","start":157.705,"end":161.24501,"sentiment":"neutral","sentiment_score":-0.23176387697458267},{"text":"Yeah.","start":187.02501,"end":187.425,"sentiment":"neutral","sentiment_score":-0.02169734239578247},{"text":"So to be as safe as humanly possible, what we need to do is pre assess the underwriting with regards to the head.","start":187.425,"end":195.10501,"sentiment":"neutral","sentiment_score":-0.0064917980976726694},{"text":"So we know straight away that Zurich is much cheaper and that's because Tower was gonna charge you $44 a month out of pocket.","start":195.10501,"end":203.23999,"sentiment":"neutral","sentiment_score":-0.09060083329677582}],"sentiment":"neutral","sentiment_score":-0.09857239146881244,"num_words":68,"start":155.39,"end":203.23999},{"sentences":[{"text":"That's a bit too high, so we're leaning towards Zurich.","start":203.45999,"end":206.04,"sentiment":"negative","sentiment_score":-0.3725843749940395},{"text":"When we contact Zurich this week, we're pretty much gonna ask them, can we get through for the definition that we're after without any exclusions on hand?","start":206.58,"end":217.395,"sentiment":"neutral","sentiment_score":-0.0124456777703017},{"text":"If they do offer an exclusion on hand Yes.","start":218.015,"end":232.43999,"sentiment":"neutral","sentiment_score":-0.0019277291786339548},{"text":"Exactly right.","start":232.43999,"end":233.15999,"sentiment":"neutral","sentiment_score":0.1313432715833187},{"text":"Because any sort of again, they go to claims.","start":233.15999,"end":236.43999,"sentiment":"neutral","sentiment_score":-0.009498954854077764}],"sentiment":"neutral","sentiment_score":-0.06845667829590016,"num_words":57,"start":203.45999,"end":236.43999},{"sentences":[{"text":"They look at doctor's report, any mention of a preexisting issue.","start":236.43999,"end":239.48,"sentiment":"neutral","sentiment_score":-0.029821852730079132},{"text":"If it's not disclosed, they go, oh, well, I haven't paid your claim.","start":239.48,"end":242.415,"sentiment":"neutral","sentiment_score":-0.03966331653870069},{"text":"So through this underwriting process, we want to disclose everything upfront, make sure it can get through.","start":242.735,"end":248.59499,"sentiment":"neutral","sentiment_score":0.04747715438990032},{"text":"If it's gonna look like if it's gonna be like a hand exclusion where they go for that one hand, we're not gonna pay anything related to hand in general, not just thumb.","start":248.655,"end":259.87,"sentiment":"neutral","sentiment_score":-0.06363921691522453},{"text":"Because sometimes they get very specific.","start":259.87,"end":261.55,"sentiment":"neutral","sentiment_score":-0.09407471989591916}],"sentiment":"neutral","sentiment_score":-0.03376367934979498,"num_words":80,"start":236.43999,"end":261.55},{"sentences":[{"text":"Sometimes they get very broad.","start":261.55,"end":263.07,"sentiment":"neutral","sentiment_score":-0.11010010242462158},{"text":"Like, in a thumb issue and they exclude your entire head.","start":263.07,"end":265.81,"sentiment":"neutral","sentiment_score":-0.0971120602705262},{"text":"If that comes through in their operating exclusion, the the decision matrix basically is, do we want the owner occupation definition more than the ability to claim on the head?","start":268.515,"end":278.535,"sentiment":"neutral","sentiment_score":-0.08370247880617777},{"text":"If the head is gonna be the main thing because that's what you need for your job, then it's probably not best.","start":278.835,"end":283.98,"sentiment":"neutral","sentiment_score":-0.2614147419279272},{"text":"For do you agree with that?","start":283.98,"end":289.2,"sentiment":"neutral","sentiment_score":0.03549292435248693}],"sentiment":"neutral","sentiment_score":-0.13064830156194196,"num_words":74,"start":261.55,"end":289.2},{"sentences":[{"text":"Yes.","start":332.695,"end":333.195,"sentiment":"neutral","sentiment_score":0.2383288741111755},{"text":"Absolutely.","start":349.105,"end":349.42502,"sentiment":"positive","sentiment_score":0.3461644649505615},{"text":"And I made a few notes last time as well about the specifics on the hand.","start":349.42502,"end":353.845,"sentiment":"neutral","sentiment_score":0.18915151059627533},{"text":"And the only other thing that was mentioned health wise, so what I had for the hand was at the time, so it's been around six months now, there was MOBIC for anti inflammation, cortisone injection, no time off work, and fully resolved is what I've noted down.","start":354.305,"end":376.49002,"sentiment":"neutral","sentiment_score":0.02113819961474898},{"text":"Yep.","start":376.63,"end":377.13,"sentiment":"neutral","sentiment_score":-0.017591696232557297}],"sentiment":"neutral","sentiment_score":0.06877551334145576,"num_words":67,"start":332.695,"end":377.13},{"sentences":[{"text":"Yeah.","start":385.215,"end":385.715,"sentiment":"neutral","sentiment_score":-0.005984562449157238},{"text":"Yeah.","start":386.255,"end":386.41498,"sentiment":"neutral","sentiment_score":0.019677482545375824},{"text":"So we've got for the HRT, and then we've got hypothyroidism, medicated, and more managed.","start":386.41498,"end":395.04,"sentiment":"neutral","sentiment_score":0.03268694244325161},{"text":"And that's the right one.","start":397.74,"end":398.78,"sentiment":"neutral","sentiment_score":0.035505857691168784},{"text":"Is it a hypo, not hyper?","start":398.78,"end":400.32,"sentiment":"neutral","sentiment_score":-0.012391218605140844}],"sentiment":"neutral","sentiment_score":0.021684965484642556,"num_words":28,"start":385.215,"end":400.32},{"sentences":[{"text":"Oh, yeah.","start":416.895,"end":417.29498,"sentiment":"neutral","sentiment_score":0.032989743165671825},{"text":"Absolutely.","start":417.29498,"end":417.695,"sentiment":"neutral","sentiment_score":0.06287321448326111},{"text":"Because I think last time we had 54.","start":417.695,"end":420.75198,"sentiment":"neutral","sentiment_score":0.018778638914227486},{"text":"So it's pretty much around the same ballpark.","start":420.75198,"end":423.37997,"sentiment":"neutral","sentiment_score":0.010782369412481785},{"text":"Again, fiddle to fiddle.","start":423.68,"end":424.97998,"sentiment":"neutral","sentiment_score":-0.11025223508477211}],"sentiment":"neutral","sentiment_score":-0.0032899205613395443,"num_words":23,"start":416.895,"end":424.97998},{"sentences":[{"text":"And that's why I do these checks upfront because part of my job is not to replace your product with something that's going to be less off.","start":426.4,"end":433.965,"sentiment":"neutral","sentiment_score":-0.09487125434464326},{"text":"And if your main fear is not being able to claim on something, I can't put you into something that's gonna pause that specifically because of my advice.","start":434.445,"end":443.025,"sentiment":"negative","sentiment_score":-0.39534767996519804},{"text":"So updated, like, pricing wise, I think it's come out now this year $18.64 a month for the own occupation CPD.","start":447.085,"end":458.23,"sentiment":"neutral","sentiment_score":0.15261937571423395},{"text":"So still pretty good on the ballpark, But I'm just double checking the income protection side of things just to make sure that doesn't shoot up because all the other policies were, like, $600 cheaper overall.","start":458.77002,"end":471.315,"sentiment":"neutral","sentiment_score":0.1430038089553515},{"text":"So that would be pretty good.","start":471.615,"end":473.07498,"sentiment":"neutral","sentiment_score":0.24055642386277518}],"sentiment":"neutral","sentiment_score":-0.03249810466748047,"num_words":118,"start":426.4,"end":473.07498},{"sentences":[{"text":"But, again, the main thing is just the the underwriting side of things.","start":474.35,"end":477.95,"sentiment":"neutral","sentiment_score":-0.07957118147840866},{"text":"And if there's gonna be a hand exclusion, I'll just let you know straight away.","start":477.95,"end":482.93,"sentiment":"neutral","sentiment_score":-0.29474403063456217},{"text":"Yeah.","start":494.935,"end":495.255,"sentiment":"neutral","sentiment_score":-0.02290290966629982},{"text":"Yeah.","start":495.255,"end":495.495,"sentiment":"neutral","sentiment_score":-0.04304718226194382},{"text":"So last November, it was a 161 out of pocket for the definition outside super, and then everything else was paid through the super.","start":495.495,"end":506.21,"sentiment":"neutral","sentiment_score":-0.07901434848705928}],"sentiment":"neutral","sentiment_score":-0.1373681532288039,"num_words":54,"start":474.35,"end":506.21},{"sentences":[{"text":"You've kind of got that flexi linking income protection, and what we're trying to get you is, like, flexi link TPD where most of it's paid through the super, little bit out of pocket, and you get the extra definition.","start":508.99,"end":519.805,"sentiment":"neutral","sentiment_score":0.07330764876678586},{"text":"So I'll double check the quoting on the income protection because overall, life TPD income protection looks good.","start":523.385,"end":530.4,"sentiment":"neutral","sentiment_score":0.3123265413774384},{"text":"The TPD phone occupation looks really good.","start":530.88,"end":533.92004,"sentiment":"positive","sentiment_score":0.5624546153204781},{"text":"I just wanna double check that they're not gonna shoot up your out of pocket income protection to above what you paid last time.","start":533.92004,"end":540.24005,"sentiment":"neutral","sentiment_score":0.06111285649240017},{"text":"Because anytime we do a replacement, because you pay yearly, they will give you a pro rata refund anyway.","start":540.24005,"end":548.145,"sentiment":"neutral","sentiment_score":0.09232883331807036}],"sentiment":"neutral","sentiment_score":0.14548446658860753,"num_words":108,"start":508.99,"end":548.145},{"sentences":[{"text":"So anything you've already paid, we'll get back.","start":551.16504,"end":553.34503,"sentiment":"neutral","sentiment_score":0.031429959810338914},{"text":"Yes.","start":571.375,"end":571.875,"sentiment":"neutral","sentiment_score":0.030837321653962135},{"text":"Yeah.","start":599.895,"end":600.395,"sentiment":"neutral","sentiment_score":-0.021117564290761948},{"text":"Oh, yep.","start":621.89,"end":622.815,"sentiment":"neutral","sentiment_score":-0.011902239639312029},{"text":"Yeah.","start":632.015,"end":632.415,"sentiment":"neutral","sentiment_score":0.04823737591505051}],"sentiment":"neutral","sentiment_score":0.021968640960179843,"num_words":13,"start":551.16504,"end":632.415},{"sentences":[{"text":"They would I think occupation duties wise, they're pretty good with the physiotherapist encompassing all the different things that physio could do.","start":632.415,"end":645.07,"sentiment":"neutral","sentiment_score":0.24182753485034814},{"text":"If if you fall outside of the normal normal practice, Like, if you had a very niche market where all you were doing was driving out to the country and, you know, work on a mine site, teaching them Pilates where there's explosives, then they go, oh, that's a risk outside the norm.","start":645.13,"end":662.85004,"sentiment":"neutral","sentiment_score":-0.31435727426465954},{"text":"But if you're doing duties that any physio could do, then that would be encompassing that occupation definition.","start":662.85004,"end":668.71,"sentiment":"neutral","sentiment_score":-0.01393079561077886},{"text":"Yeah.","start":679.755,"end":680.23505,"sentiment":"neutral","sentiment_score":0.03875322267413139},{"text":"Oh, you'd be able to prove an income drop pretty easily.","start":680.23505,"end":683.215,"sentiment":"neutral","sentiment_score":-0.04833397116850723}],"sentiment":"neutral","sentiment_score":-0.11508956714755013,"num_words":105,"start":632.415,"end":683.215},{"sentences":[{"text":"And especially when you get if you do get out of occupation, they're pretty well like oh, if you can't work and the doctor's saying you can't work, then your income's dropping and you need income replacement, so there's your income protection.","start":683.435,"end":696.5,"sentiment":"neutral","sentiment_score":-0.17566220733957985},{"text":"But, again, remember, TPD is about the doctor saying you can't go back to work.","start":696.72003,"end":700.5,"sentiment":"neutral","sentiment_score":-0.10566879622638226},{"text":"So, literally, if your hand breaks, you're like, I can't generate that income anymore.","start":700.72003,"end":705.46,"sentiment":"neutral","sentiment_score":-0.20272420719265938},{"text":"They they always do these days, like, return to work plan kind of thing.","start":706.435,"end":710.195,"sentiment":"neutral","sentiment_score":0.08914272806474141},{"text":"Like, oh, can you can you slowly improve the hand over time and so on?","start":710.195,"end":715.71497,"sentiment":"neutral","sentiment_score":0.12240231409668922}],"sentiment":"neutral","sentiment_score":-0.08716950647998602,"num_words":100,"start":683.435,"end":715.71497},{"sentences":[{"text":"But they won't make you go and do, especially if you're self employed.","start":715.71497,"end":719.96,"sentiment":"neutral","sentiment_score":-0.16560911043332174},{"text":"They they can't make you generate income in a different way.","start":720.18005,"end":723.48004,"sentiment":"neutral","sentiment_score":-0.16362205892801285},{"text":"If you're working for a company where you're like, I was doing a bit of a white collar office work, and they're like, oh, your employee is literally telling you that you can switch into this and still earn an income.","start":726.26,"end":737.295,"sentiment":"neutral","sentiment_score":0.04695718022199666},{"text":"Well, then there's no income loss, if that makes sense.","start":737.295,"end":739.955,"sentiment":"neutral","sentiment_score":0.03689209334552288},{"text":"Company and your employer is like, oh, you can't do this job, but we're literally offering you to this job at the same pay with slightly different duties.","start":747.93,"end":759.39,"sentiment":"neutral","sentiment_score":0.02910300570407084}],"sentiment":"neutral","sentiment_score":-0.008191374772526686,"num_words":103,"start":715.71497,"end":759.39},{"sentences":[{"text":"Or the insurer is gonna say there's no income loss because you're literally switching within companies and you've accepted that.","start":759.515,"end":766.095,"sentiment":"neutral","sentiment_score":0.06925445348024369},{"text":"You know what I mean?","start":766.15497,"end":767.295,"sentiment":"neutral","sentiment_score":-0.022038087621331214},{"text":"Yes.","start":807.08997,"end":807.58997,"sentiment":"neutral","sentiment_score":-0.08452364057302475},{"text":"Yeah.","start":823.105,"end":823.425,"sentiment":"neutral","sentiment_score":-0.031028876081109047},{"text":"Right.","start":823.425,"end":823.925,"sentiment":"neutral","sentiment_score":-0.020310301333665848}],"sentiment":"neutral","sentiment_score":0.04067985048251493,"num_words":28,"start":759.515,"end":823.925},{"sentences":[{"text":"Yeah.","start":843.665,"end":844.165,"sentiment":"neutral","sentiment_score":-0.14120082557201383},{"text":"I getcha.","start":844.945,"end":845.685,"sentiment":"neutral","sentiment_score":-0.18679647147655487},{"text":"Yep.","start":846.065,"end":846.565,"sentiment":"neutral","sentiment_score":-0.10249146819114684},{"text":"Oh, yep.","start":863.55005,"end":864.29004,"sentiment":"neutral","sentiment_score":-0.27248938381671906},{"text":"Yeah.","start":897.935,"end":898.175,"sentiment":"neutral","sentiment_score":0.005472127348184586}],"sentiment":"neutral","sentiment_score":-0.16525598242878914,"num_words":7,"start":843.665,"end":898.175},{"sentences":[{"text":"Right.","start":898.175,"end":898.675,"sentiment":"neutral","sentiment_score":0.008542366325855255},{"text":"So yeah.","start":903.375,"end":904.175,"sentiment":"neutral","sentiment_score":0.09586238488554955},{"text":"A 100%.","start":904.175,"end":904.97504,"sentiment":"neutral","sentiment_score":0.10784311965107918},{"text":"So when I go through, like, the TAO PDF and Azure PDF as an example, I know that they can't exclude conditions or body parts unless it's a preexisting.","start":904.97504,"end":917.24,"sentiment":"neutral","sentiment_score":-0.052679405579793045},{"text":"So that's where they go, oh, you know, you had a knee reconstruction, so therefore specific exclusion written on the policy for that body part of condition.","start":918.18,"end":927.755,"sentiment":"neutral","sentiment_score":-0.15381492343213823}],"sentiment":"neutral","sentiment_score":-0.08630741506692816,"num_words":61,"start":898.175,"end":927.755},{"sentences":[{"text":"Outside of that, the claim definitions, they're pretty kind of clear cut with a doctor.","start":928.375,"end":935.73,"sentiment":"neutral","sentiment_score":-0.224614217877388},{"text":"So what we were saying last year between any occupation and own occupation is if your doctor says you can't work any or your specific occupations that you're reasonably suited to with education, training, and experience, then here's your lump sum.","start":936.11,"end":953.34503,"sentiment":"neutral","sentiment_score":-0.1399295427268598},{"text":"Income protection is literally doctor says you can't go back to work for longer than the waiting period.","start":953.645,"end":959.75995,"sentiment":"neutral","sentiment_score":-0.2562487092283037},{"text":"It's very, very kind of broad and very claimable.","start":960.13995,"end":964.88,"sentiment":"neutral","sentiment_score":-0.22078304986159006},{"text":"There's no they can't write in exclusions to conditions unless it's been in the underlying process.","start":965.57996,"end":971.115,"sentiment":"neutral","sentiment_score":-0.30424983985722065}],"sentiment":"neutral","sentiment_score":-0.2078166280054685,"num_words":99,"start":928.375,"end":971.115},{"sentences":[{"text":"A 100 percent.","start":1011.135,"end":1012.03503,"sentiment":"neutral","sentiment_score":-0.21956234176953635},{"text":"And look through through our employer, like, I've I've seen the way WorkCover operates these days, and you're exactly right.","start":1029.595,"end":1037.755,"sentiment":"neutral","sentiment_score":-0.06618546601384878},{"text":"Like, they have so many ways of getting people off work cover.","start":1037.755,"end":1042.58,"sentiment":"neutral","sentiment_score":-0.22496757035454115},{"text":"It's just not funny at that point.","start":1042.58,"end":1044.44,"sentiment":"negative","sentiment_score":-0.40955623984336853},{"text":"Mhmm.","start":1046.58,"end":1047.08,"sentiment":"neutral","sentiment_score":-0.07104946672916412}],"sentiment":"neutral","sentiment_score":-0.17720814733657725,"num_words":43,"start":1011.135,"end":1047.08},{"sentences":[{"text":"Whereas what I experienced with with, like, income protection claims, I've seen some really old funds have this juking out between the insurance doctor and the client's doctor, and that can get a little bit messy.","start":1047.62,"end":1064.7051,"sentiment":"neutral","sentiment_score":-0.3167957402765751},{"text":"But anytime you've got a policy work which was just based on what your doctor's reports are, I think that's a lot safer.","start":1065.0851,"end":1073.24,"sentiment":"neutral","sentiment_score":-0.10730745416620503},{"text":"Because the moment they can try and swing in another professional, that's where it gets murky.","start":1073.7001,"end":1078.215,"sentiment":"neutral","sentiment_score":-0.29238826408982277},{"text":"Yes.","start":1083.895,"end":1084.395,"sentiment":"neutral","sentiment_score":0.050212323665618896},{"text":"Yeah.","start":1084.455,"end":1084.955,"sentiment":"neutral","sentiment_score":0.06802578270435333}],"sentiment":"neutral","sentiment_score":-0.23938561317982612,"num_words":77,"start":1047.62,"end":1084.955},{"sentences":[{"text":"Well, funnily enough, so I've been doing a lot of, like, TPD claims advice recently where people get paid out 700,000, and we're telling them how to make it last and all that kind of thing.","start":1121.8099,"end":1133.25,"sentiment":"neutral","sentiment_score":0.03181115408531494},{"text":"And we had clients who were underwritten under an occupation that was really good.","start":1133.25,"end":1138.135,"sentiment":"neutral","sentiment_score":0.14452373023544038},{"text":"It was like office space, university degree.","start":1138.135,"end":1141.175,"sentiment":"neutral","sentiment_score":0.09470004907676152},{"text":"It was like white collar, really high rated.","start":1141.175,"end":1143.835,"sentiment":"neutral","sentiment_score":0.04427839396521449},{"text":"And they actually moved through another company doing a manual job, and they were still paid out based on the duties they were doing at the time.","start":1144.135,"end":1156.4501,"sentiment":"neutral","sentiment_score":-0.05373130697343084}],"sentiment":"neutral","sentiment_score":0.029727347579825182,"num_words":92,"start":1121.8099,"end":1156.4501},{"sentences":[{"text":"Yes.","start":1175.975,"end":1176.475,"sentiment":"neutral","sentiment_score":-0.2493727207183838},{"text":"Yeah.","start":1187.7,"end":1188.2,"sentiment":"neutral","sentiment_score":-0.16646121442317963},{"text":"And I think the one you've gotta watch out for is exactly what you were saying when it comes to work cover is a target area for insurers is really long term income protection claims where people have policies that pay to the age of 65, and they've got people who are claiming for thirty years.","start":1198.145,"end":1217.0249,"sentiment":"neutral","sentiment_score":-0.13501824578270316},{"text":"And they're going, well, at some point, they wanna add things to their new policy saying that you should have return to work plans and actually try and an actual payment of five years or something like that, I believe.","start":1217.0249,"end":1232.61,"sentiment":"neutral","sentiment_score":-0.06928104301914573},{"text":"Yeah.","start":1239.79,"end":1240.11,"sentiment":"neutral","sentiment_score":0.006195543333888054}],"sentiment":"neutral","sentiment_score":-0.10850405935762507,"num_words":99,"start":1175.975,"end":1240.11},{"sentences":[{"text":"Exactly.","start":1240.11,"end":1240.59,"sentiment":"neutral","sentiment_score":0.02210616320371628},{"text":"Right.","start":1240.59,"end":1240.75,"sentiment":"neutral","sentiment_score":0.020346853882074356},{"text":"And then it goes to the lump sum You can have they can expire well into the some of them up to the age of 99, but you never hold a policy for that long because the price skyrockets up to $2,030,000 dollars a year.","start":1240.75,"end":1262.78,"sentiment":"neutral","sentiment_score":-0.14355606759587924},{"text":"So it's just not tenable to have that.","start":1262.78,"end":1264.8,"sentiment":"negative","sentiment_score":-0.44533633068203926},{"text":"The income protection you've got is a benefit period of five years, and the CPD that has an expiry date, I'll give it to you now, of, yeah, 2039.","start":1265.02,"end":1278.795,"sentiment":"neutral","sentiment_score":-0.06827978725577223}],"sentiment":"neutral","sentiment_score":-0.14238541072145813,"num_words":84,"start":1240.11,"end":1278.795},{"sentences":[{"text":"So it's '65.","start":1281.415,"end":1282.59,"sentiment":"neutral","sentiment_score":-0.043881079802910485},{"text":"So November 2039.","start":1289.07,"end":1291.47,"sentiment":"neutral","sentiment_score":-0.024462824687361717},{"text":"So that's four thirty almost fourteen years away.","start":1291.47,"end":1295.145,"sentiment":"neutral","sentiment_score":-0.07789747510105371},{"text":"Right.","start":1298.985,"end":1299.485,"sentiment":"neutral","sentiment_score":0.006943690590560436},{"text":"Oh, that's right.","start":1299.7051,"end":1300.265,"sentiment":"neutral","sentiment_score":0.04286647215485573}],"sentiment":"neutral","sentiment_score":-0.03848157817911771,"num_words":18,"start":1281.415,"end":1300.265},{"sentences":[{"text":"You've got a February birthday.","start":1300.265,"end":1301.725,"sentiment":"neutral","sentiment_score":0.04945853278040886},{"text":"Yep.","start":1301.785,"end":1302.285,"sentiment":"neutral","sentiment_score":0.04214170202612877},{"text":"Yep.","start":1305.865,"end":1306.365,"sentiment":"neutral","sentiment_score":0.028935154899954796},{"text":"It's got the November 1.","start":1312.4099,"end":1314.51,"sentiment":"neutral","sentiment_score":-0.012241778895258904},{"text":"Yep.","start":1318.73,"end":1319.23,"sentiment":"neutral","sentiment_score":0.009105080738663672}],"sentiment":"neutral","sentiment_score":0.020481977468499772,"num_words":13,"start":1300.265,"end":1319.23},{"sentences":[{"text":"And and, again, hopefully, we've built up, like, the super enough that you don't need TPD insurance at that point because, again, I don't want you paying $20,000 a year.","start":1325.6849,"end":1335.03,"sentiment":"neutral","sentiment_score":0.07225872402389845},{"text":"I have some 60 year old walk through the door, and they're like, oh, my sister's going backwards because I'm paying $20 a year.","start":1335.27,"end":1341.43,"sentiment":"neutral","sentiment_score":-0.19354477679977813},{"text":"Oh, jeez.","start":1341.43,"end":1342.17,"sentiment":"neutral","sentiment_score":-0.09727234020829201},{"text":"Why didn't anybody reduce this?","start":1342.7101,"end":1344.55,"sentiment":"neutral","sentiment_score":-0.11113222688436508},{"text":"So, you know, I paid off necessary.","start":1344.55,"end":1349.105,"sentiment":"neutral","sentiment_score":-0.1274690947362355}],"sentiment":"neutral","sentiment_score":-0.060585329418673235,"num_words":68,"start":1325.6849,"end":1349.105},{"sentences":[{"text":"Yeah.","start":1351.6387,"end":1352.1387,"sentiment":"neutral","sentiment_score":0.030035560950636864},{"text":"We've got so Sevi doesn't do trades manually because he's sort of the director, but you're kind of falling under Sevi and I as senior adviser and director for the advice side of things.","start":1359.885,"end":1373.115,"sentiment":"neutral","sentiment_score":-0.0021344589699497994},{"text":"We have a operations head who does all the actual trading and buying and selling and selling.","start":1374.075,"end":1379.275,"sentiment":"neutral","sentiment_score":0.02858011840897448},{"text":"That was two things I was gonna quickly ask you.","start":1379.275,"end":1386.62,"sentiment":"neutral","sentiment_score":-0.06686771437525749},{"text":"Oh, no.","start":1387.56,"end":1387.96,"sentiment":"neutral","sentiment_score":-0.0780286192893982}],"sentiment":"neutral","sentiment_score":-0.005959506459475961,"num_words":64,"start":1351.6387,"end":1387.96},{"sentences":[{"text":"He's still he's actually when I spoke to you last year, he was away for a while, and he's back this year.","start":1387.96,"end":1393.1,"sentiment":"neutral","sentiment_score":-0.1195471513677727},{"text":"But because I'd already spoken to you about the insurances, I just wanted to jump on the call and see if we could move it along for you.","start":1393.24,"end":1403.815,"sentiment":"neutral","sentiment_score":-0.014409259959523166},{"text":"With the super itself, I was wanting to double check if you needed me to update any of the investments there because I was having a look at the super this morning.","start":1403.815,"end":1413.5149,"sentiment":"neutral","sentiment_score":0.03868954977951944},{"text":"It had been a little while since our last chat.","start":1413.575,"end":1415.9401,"sentiment":"neutral","sentiment_score":-0.0435551792383194},{"text":"Have you managed to log on to it recently at all?","start":1416.72,"end":1419.54,"sentiment":"neutral","sentiment_score":-0.0017363451082598076}],"sentiment":"neutral","sentiment_score":-0.02184546218045707,"num_words":103,"start":1387.96,"end":1419.54},{"sentences":[{"text":"Yeah.","start":1430.72,"end":1431.075,"sentiment":"neutral","sentiment_score":0.014067602343857288},{"text":"Yeah.","start":1436.0349,"end":1436.5349,"sentiment":"neutral","sentiment_score":0.06840531527996063},{"text":"So it's cleared 201,000 now, sitting at two zero one eight nine three.","start":1436.595,"end":1443.095,"sentiment":"neutral","sentiment_score":0.15910538056722054},{"text":"So it's pretty much when I look at the graph of it, it's just steadily up with growth and contributions going in.","start":1443.235,"end":1449.33,"sentiment":"neutral","sentiment_score":0.31022895127534866},{"text":"It's I think it's clear just under 9% after fees this year because, obviously, markets have been dropping since Christmas.","start":1450.67,"end":1457.01,"sentiment":"neutral","sentiment_score":-0.04919513165950775}],"sentiment":"neutral","sentiment_score":0.14021012561167018,"num_words":57,"start":1430.72,"end":1457.01},{"sentences":[{"text":"So that's pretty normal.","start":1457.3099,"end":1458.585,"sentiment":"neutral","sentiment_score":-0.015855920501053333},{"text":"I'm looking at the eight options that you've got.","start":1459.145,"end":1462.585,"sentiment":"neutral","sentiment_score":0.05962709916962518},{"text":"So eight options that make up your portfolio.","start":1462.585,"end":1465.005,"sentiment":"neutral","sentiment_score":0.053857491351664066},{"text":"All of them are a Benelong Australian option, which has gone down a little bit.","start":1465.945,"end":1472.765,"sentiment":"neutral","sentiment_score":0.015665083875258765},{"text":"So I'd probably keep an eye on that one.","start":1472.825,"end":1475.4199,"sentiment":"neutral","sentiment_score":0.010729622716705004}],"sentiment":"neutral","sentiment_score":0.02745828897588783,"num_words":45,"start":1457.3099,"end":1475.4199},{"sentences":[{"text":"Gold has I don't know if you've seen what happened with gold, but it shot up a couple of 100%.","start":1476.44,"end":1480.94,"sentiment":"neutral","sentiment_score":-0.017505754996091128},{"text":"And then it crashed back down last month, but it's just all over the place, but overall, pretty fantastic.","start":1482.12,"end":1486.785,"sentiment":"neutral","sentiment_score":-0.010128312401081386},{"text":"Fantastic.","start":1491.3451,"end":1491.8451,"sentiment":"positive","sentiment_score":0.5162997245788574},{"text":"Okay.","start":1491.905,"end":1492.225,"sentiment":"neutral","sentiment_score":0.18870726227760315},{"text":"So what I'll do is I've got you flagged in for let me just double check.","start":1492.225,"end":1496.9651,"sentiment":"neutral","sentiment_score":0.04384791594929993}],"sentiment":"neutral","sentiment_score":0.015158256254436677,"num_words":57,"start":1476.44,"end":1496.9651},{"sentences":[{"text":"We've got kind of like an August, September review.","start":1498.145,"end":1500.885,"sentiment":"neutral","sentiment_score":0.045980054471227855},{"text":"Portfolio is doing well.","start":1501.87,"end":1503.15,"sentiment":"neutral","sentiment_score":0.30960168689489365},{"text":"I'll just keep an eye on this option.","start":1503.15,"end":1504.85,"sentiment":"neutral","sentiment_score":0.16564311645925045},{"text":"And if it hasn't kind of picked up by August, September, I might look at replacing.","start":1505.15,"end":1509.25,"sentiment":"neutral","sentiment_score":0.04551732097752392},{"text":"Cool.","start":1513.55,"end":1513.995,"sentiment":"neutral","sentiment_score":0.1754303276538849}],"sentiment":"neutral","sentiment_score":0.10213367454707623,"num_words":38,"start":1498.145,"end":1513.995},{"sentences":[{"text":"Last question I have for you was just around the income side of things because your your income protection index is every year.","start":1514.315,"end":1521.455,"sentiment":"neutral","sentiment_score":0.03484309270330097},{"text":"So they bump up your cover amount with inflation, and you're technically protecting an income of a 130,000.","start":1521.595,"end":1530.6699,"sentiment":"neutral","sentiment_score":0.06242969590756628},{"text":"I think last figure I had was you're only about a 112 at the time.","start":1531.0499,"end":1534.75,"sentiment":"neutral","sentiment_score":-0.03289563370247682},{"text":"Yes.","start":1549.3049,"end":1549.8049,"sentiment":"neutral","sentiment_score":-0.07390576601028442},{"text":"Gotcha.","start":1562.5,"end":1563.0,"sentiment":"neutral","sentiment_score":0.0010174873750656843}],"sentiment":"neutral","sentiment_score":0.02342763576447835,"num_words":58,"start":1514.315,"end":1563.0},{"sentences":[{"text":"Yeah.","start":1572.42,"end":1572.825,"sentiment":"neutral","sentiment_score":0.006590511649847031},{"text":"Yeah.","start":1587.7849,"end":1588.26,"sentiment":"neutral","sentiment_score":-0.09606487303972244},{"text":"Yeah.","start":1588.26,"end":1588.76,"sentiment":"neutral","sentiment_score":-0.08338561654090881},{"text":"Absolutely.","start":1592.18,"end":1592.68,"sentiment":"neutral","sentiment_score":-0.05940399318933487},{"text":"So that's what I was gonna say is the gross would drop down slightly.","start":1592.8201,"end":1596.4401,"sentiment":"neutral","sentiment_score":-0.156566589272448}],"sentiment":"neutral","sentiment_score":-0.1346775678296884,"num_words":18,"start":1572.42,"end":1596.4401},{"sentences":[{"text":"K.","start":1599.86,"end":1600.26,"sentiment":"neutral","sentiment_score":-0.0136919803917408},{"text":"So based on this year sorry.","start":1600.26,"end":1605.435,"sentiment":"neutral","sentiment_score":-0.09631340702374776},{"text":"Go ahead.","start":1605.435,"end":1606.0951,"sentiment":"neutral","sentiment_score":-0.04494672827422619},{"text":"Gotcha.","start":1621.63,"end":1622.0299,"sentiment":"neutral","sentiment_score":-0.034618571400642395},{"text":"Gotcha.","start":1622.0299,"end":1622.4299,"sentiment":"neutral","sentiment_score":-0.03156914934515953}],"sentiment":"neutral","sentiment_score":-0.06796850907531651,"num_words":11,"start":1599.86,"end":1622.4299},{"sentences":[{"text":"And you still the the company earnings, that's still all based on your personal exertion.","start":1622.4299,"end":1628.19,"sentiment":"neutral","sentiment_score":-0.07942990064620972},{"text":"You don't have 100 staff making all the money for you, dude.","start":1628.19,"end":1635.435,"sentiment":"neutral","sentiment_score":-0.11719441739842296},{"text":"K.","start":1635.435,"end":1635.755,"sentiment":"neutral","sentiment_score":0.006471626460552216},{"text":"So I'm just working out the quick pay calculator based on this financial year, and you said it was $3.01 $9.02 that you take in here?","start":1635.755,"end":1644.76,"sentiment":"neutral","sentiment_score":0.009786702029836865},{"text":"Perfect.","start":1649.2999,"end":1649.7999,"sentiment":"neutral","sentiment_score":0.2515271306037903}],"sentiment":"neutral","sentiment_score":-0.03791506379334764,"num_words":55,"start":1622.4299,"end":1649.7999},{"sentences":[{"text":"So, technically, $3.02 $5.05.","start":1650.5,"end":1654.98,"sentiment":"neutral","sentiment_score":-0.06876088120043278},{"text":"That's a little bit too high.","start":1654.98,"end":1658.5349,"sentiment":"negative","sentiment_score":-0.4636027440428734},{"text":"I'm just gonna work it back.","start":1659.075,"end":1660.195,"sentiment":"neutral","sentiment_score":-0.014896043265859285},{"text":"Bear with me for two seconds.","start":1660.195,"end":1661.735,"sentiment":"neutral","sentiment_score":-0.01205006924768289},{"text":"And you said three one $9.02.","start":1663.075,"end":1665.335,"sentiment":"neutral","sentiment_score":-0.006637828424572945}],"sentiment":"neutral","sentiment_score":-0.11636298695313078,"num_words":28,"start":1650.5,"end":1665.335},{"sentences":[{"text":"Yeah.","start":1666.755,"end":1667.075,"sentiment":"neutral","sentiment_score":0.0887000560760498},{"text":"Correct.","start":1667.075,"end":1667.575,"sentiment":"neutral","sentiment_score":0.14495909214019775},{"text":"So at the very least, what we might need to do is do a bit of a trim down because you're technically paying slightly above what you could claim.","start":1667.715,"end":1676.1,"sentiment":"neutral","sentiment_score":-0.04702838844266431},{"text":"So you you technically, like, there your gross income that's protected is a 100 and and about a 108, a 109,000 based on that net take home.","start":1679.76,"end":1689.875,"sentiment":"neutral","sentiment_score":0.03670812950090126},{"text":"But you you're technically insured for a 130,000, so they would only pay you on a 100 and 8.","start":1690.495,"end":1699.62,"sentiment":"neutral","sentiment_score":-0.006808967182510777}],"sentiment":"neutral","sentiment_score":-0.003485909046290757,"num_words":77,"start":1666.755,"end":1699.62},{"sentences":[{"text":"So what I'll do is I'll go through the underwriting with Zurich to see about the hand exclusion to see if it's working.","start":1699.62,"end":1705.88,"sentiment":"neutral","sentiment_score":0.027165414239077465},{"text":"And the thousand of that, I'll base it on 70% on your, like, paper income just to make sure that you're not overpaying, if that's okay.","start":1706.5801,"end":1717.725,"sentiment":"neutral","sentiment_score":0.10558612730640632},{"text":"Correct.","start":1721.72,"end":1722.22,"sentiment":"neutral","sentiment_score":0.11934925615787506},{"text":"Yeah.","start":1729.08,"end":1729.5599,"sentiment":"neutral","sentiment_score":0.010244358330965042},{"text":"So even if we let's say we didn't switch from towel, at the very least, maybe we trimmed down the income protections slightly so you don't overpay.","start":1729.5599,"end":1738.045,"sentiment":"neutral","sentiment_score":-0.07785414317967715}],"sentiment":"neutral","sentiment_score":0.017917635719267987,"num_words":78,"start":1699.62,"end":1738.045},{"sentences":[{"text":"K.","start":1740.105,"end":1740.605,"sentiment":"neutral","sentiment_score":0.011389954946935177},{"text":"And nine 100 and I reckon.","start":1742.665,"end":1746.285,"sentiment":"neutral","sentiment_score":0.007217912934720516},{"text":"Why not?","start":1746.505,"end":1747.245,"sentiment":"neutral","sentiment_score":-0.07167452946305275},{"text":"Okay.","start":1761.7999,"end":1762.215,"sentiment":"neutral","sentiment_score":0.03128955885767937},{"text":"An extra $100 of fortnight net possibly as a pay rise.","start":1765.095,"end":1772.855,"sentiment":"neutral","sentiment_score":0.014133609492670406}],"sentiment":"neutral","sentiment_score":0.004671792233628886,"num_words":21,"start":1740.105,"end":1772.855},{"sentences":[{"text":"That's Yeah.","start":1772.855,"end":1780.3099,"sentiment":"neutral","sentiment_score":0.08011434227228165},{"text":"Yep.","start":1780.3099,"end":1780.8099,"sentiment":"neutral","sentiment_score":0.17263421416282654},{"text":"I'm with you.","start":1780.87,"end":1781.77,"sentiment":"neutral","sentiment_score":0.23610830307006836},{"text":"Yes.","start":1809.1499,"end":1809.6499,"sentiment":"neutral","sentiment_score":0.13520392775535583},{"text":"Yeah.","start":1820.935,"end":1821.435,"sentiment":"neutral","sentiment_score":0.030814627185463905}],"sentiment":"neutral","sentiment_score":0.15090079535730183,"num_words":8,"start":1772.855,"end":1821.435},{"sentences":[{"text":"So they would add it.","start":1857.33,"end":1858.69,"sentiment":"neutral","sentiment_score":-0.019869036972522736},{"text":"They basically go back twelve months.","start":1858.69,"end":1861.27,"sentiment":"neutral","sentiment_score":-0.032172418820361294},{"text":"And so if you'd already taken out $3.04, $5 extra, that's all in the paperwork that you'd submit for the last twelve months of the income that you have determined.","start":1861.33,"end":1870.855,"sentiment":"neutral","sentiment_score":0.012463772483170033},{"text":"And, again, it's just making sure that you have enough ceiling of cover amount.","start":1870.995,"end":1875.1549,"sentiment":"neutral","sentiment_score":-0.015069265849888325},{"text":"So, obviously, if we drop it down to 108, but you took more out, they would only pay you based on the maximum, all that kind of thing.","start":1875.1549,"end":1881.315,"sentiment":"neutral","sentiment_score":-0.1611275010343109}],"sentiment":"neutral","sentiment_score":-0.05591573824275689,"num_words":83,"start":1857.33,"end":1881.315},{"sentences":[{"text":"So I don't want to trim it down too far.","start":1881.315,"end":1883.335,"sentiment":"negative","sentiment_score":-0.43870995938777924},{"text":"But, again, twelve months income.","start":1883.5549,"end":1890.43,"sentiment":"neutral","sentiment_score":-0.05129948109388351},{"text":"Yeah.","start":1906.965,"end":1907.285,"sentiment":"neutral","sentiment_score":-0.01067127101123333},{"text":"No.","start":1907.285,"end":1907.525,"sentiment":"neutral","sentiment_score":-0.20561155676841736},{"text":"It doesn't matter if it's a lump sum or regular.","start":1907.525,"end":1909.9451,"sentiment":"neutral","sentiment_score":-0.07149401344358922}],"sentiment":"neutral","sentiment_score":-0.20647481339121307,"num_words":27,"start":1881.315,"end":1909.9451},{"sentences":[{"text":"If your entire income was very irregular, that would cause an issue.","start":1911.045,"end":1917.11,"sentiment":"neutral","sentiment_score":-0.18539625965058804},{"text":"They would try and average it out.","start":1917.49,"end":1919.2699,"sentiment":"neutral","sentiment_score":0.04312230327299663},{"text":"But because you've got the average income and it fluctuates a bit because you're self employed based on how you wanna pay yourself and and tax minimization and so on.","start":1919.4099,"end":1928.195,"sentiment":"neutral","sentiment_score":0.10392543400327364},{"text":"They factor that in pretty easily.","start":1928.195,"end":1929.975,"sentiment":"neutral","sentiment_score":0.29064179956912994},{"text":"But if your income was all over the shop, they would just try and work out.","start":1930.195,"end":1933.6549,"sentiment":"neutral","sentiment_score":0.19552367692813277}],"sentiment":"neutral","sentiment_score":0.08545202331643709,"num_words":71,"start":1911.045,"end":1933.6549},{"sentences":[{"text":"Yeah.","start":1953.0851,"end":1953.3251,"sentiment":"neutral","sentiment_score":0.3320671021938324},{"text":"Cool.","start":1953.3251,"end":1953.645,"sentiment":"positive","sentiment_score":0.5249903202056885},{"text":"So I'll bump it up 2,600 net, and I'll work back the gross on that and then add it to the $3.01 $9.02 $0.04 9.","start":1953.645,"end":1962.545,"sentiment":"neutral","sentiment_score":0.2823691707849503},{"text":"And that should be where we keep income protection at.","start":1962.8451,"end":1969.2599,"sentiment":"neutral","sentiment_score":0.23454836010932922},{"text":"Perfect.","start":1969.2599,"end":1969.7599,"sentiment":"positive","sentiment_score":0.6232106685638428}],"sentiment":"neutral","sentiment_score":0.2864468674126424,"num_words":38,"start":1953.0851,"end":1969.7599},{"sentences":[{"text":"What about the lump sums for the life and the TPD?","start":1969.98,"end":1972.46,"sentiment":"neutral","sentiment_score":0.16873098774389786},{"text":"Because that's just shy of 950,000.","start":1972.46,"end":1975.34,"sentiment":"neutral","sentiment_score":0.10882573140164216},{"text":"Is that still okay?","start":1975.34,"end":1976.32,"sentiment":"neutral","sentiment_score":0.1257337871938944},{"text":"Well, if you combine it with income protection, you pay off the mortgage, leave you with half a mill plus five years worth of income protection plus super, you should be okay.","start":2005.28,"end":2015.075,"sentiment":"positive","sentiment_score":0.34251123992726207},{"text":"I mean, I could I could possibly if it still works out cheaper and we do end up switching, I could bump it up to a mill, give you the extra 50,000 if you want.","start":2017.055,"end":2026.29,"sentiment":"positive","sentiment_score":0.3868017937455859}],"sentiment":"neutral","sentiment_score":0.31261764614927495,"num_words":88,"start":1969.98,"end":2026.29},{"sentences":[{"text":"Yeah.","start":2031.9501,"end":2032.27,"sentiment":"neutral","sentiment_score":0.06729057431221008},{"text":"And, again, it's just a pricing thing too because it'll increase next year and just gonna keep on top of it.","start":2032.27,"end":2038.2151,"sentiment":"neutral","sentiment_score":0.1127746697692644},{"text":"Well, we can choose whether it has a notation on it or not.","start":2057.26,"end":2061.3599,"sentiment":"neutral","sentiment_score":0.049385420261667326},{"text":"I was playing around with the Zurich quote to see how I can't actually quite see if it's got indexation on it, but I'll just check your original application and see if it pops up in there, which it looks like it doesn't have it on there.","start":2062.78,"end":2087.4536,"sentiment":"neutral","sentiment_score":-0.00027460892972080633},{"text":"Yeah.","start":2087.7214,"end":2088.2214,"sentiment":"neutral","sentiment_score":0.05913430452346802}],"sentiment":"neutral","sentiment_score":0.037636105875843706,"num_words":83,"start":2031.9501,"end":2088.2214},{"sentences":[{"text":"That's right.","start":2088.4893,"end":2089.757,"sentiment":"neutral","sentiment_score":0.09922634437680244},{"text":"Yeah.","start":2112.25,"end":2112.4902,"sentiment":"positive","sentiment_score":0.3900456726551056},{"text":"That should get you through to, again, get close to the 60, have that, you know, with the mortgage off, less repayments to have to worry about for the cash flow, and it's just trying to get the super up.","start":2112.4902,"end":2123.755,"sentiment":"positive","sentiment_score":0.3915743574500084},{"text":"Because, again, if I add an extra couple of thousand dollars coming out in premiums, then all of a sudden starts going backwards.","start":2123.755,"end":2129.215,"sentiment":"neutral","sentiment_score":0.04015892768359702},{"text":"We can't build that asset up.","start":2129.755,"end":2131.935,"sentiment":"neutral","sentiment_score":0.009766243708630403}],"sentiment":"neutral","sentiment_score":0.23935729803310501,"num_words":72,"start":2088.4893,"end":2131.935},{"sentences":[{"text":"But 2 100 thousand yeah.","start":2132.2349,"end":2138.54,"sentiment":"neutral","sentiment_score":0.0795805349946022},{"text":"Nothing too crazy because the world's kind of on fire at the moment, but just a nice steady growth like you've been seeing.","start":2139.0,"end":2144.12,"sentiment":"neutral","sentiment_score":0.17754069488981497},{"text":"Good.","start":2144.12,"end":2144.62,"sentiment":"positive","sentiment_score":0.4593504965305328},{"text":"And we'll see where we can get it to by around 60.","start":2145.24,"end":2148.2148,"sentiment":"neutral","sentiment_score":0.20297275856137276},{"text":"Cool.","start":2152.835,"end":2153.335,"sentiment":"positive","sentiment_score":0.5371124744415283}],"sentiment":"neutral","sentiment_score":0.18841606502731642,"num_words":42,"start":2132.2349,"end":2153.335},{"sentences":[{"text":"So so I'll get the team onto underwriting with Zurich and Tal just to see what that looks like for exclusions.","start":2153.395,"end":2159.71,"sentiment":"neutral","sentiment_score":0.10258925413446766},{"text":"I've got some figures here to adjust everything with a little bit, and I'll keep an eye on that super option for our next review around August, September.","start":2160.3298,"end":2170.43,"sentiment":"neutral","sentiment_score":0.17261710856109858},{"text":"Anything else I can go over with you today?","start":2171.2898,"end":2173.4248,"sentiment":"neutral","sentiment_score":0.19814398719204795},{"text":"No worries at all.","start":2179.325,"end":2180.125,"sentiment":"positive","sentiment_score":0.505624957382679},{"text":"It was lovely catching up with you again this new year.","start":2180.125,"end":2182.525,"sentiment":"positive","sentiment_score":0.83099088343707}],"sentiment":"neutral","sentiment_score":0.27307327135070547,"num_words":73,"start":2153.395,"end":2182.525},{"sentences":[{"text":"And, again, sorry that I'm a bit today, but you too, Sally.","start":2182.525,"end":2193.1199,"sentiment":"neutral","sentiment_score":0.16662865380446115},{"text":"See you later.","start":2193.1199,"end":2193.8599,"sentiment":"positive","sentiment_score":0.4333159426848094}],"sentiment":"neutral","sentiment_score":0.2199661115805308,"num_words":15,"start":2182.525,"end":2193.8599}]}}]},{"alternatives":[{"transcript":"Hello? Sally speaking. Hi. Good. Thanks. How are you? Yeah. Happy New Year to you as well. Yeah. I'm starting to feel a bit that way myself today. Yep. Mhmm. Yep. Mhmm. Yep. Yeah. '75. Have you got 14 Revholtz Drive, Benoa, or have you got Southport? Yep. Okay. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. It's good. It's been fine. But I don't know. I just get a weird feel. Like, I just still wonder if I do change if you know, the more I think about it, if they will would still kinda try and use that to get out of it down the track if I change insurers. I don't know. I still you know, because I I look at my thumbs and I kinda think, you know, that's probably the first thing to go with the physio. So I'm like yeah. So I'm kind of I'm kind of looking thinking, well, you know, if if they see that and I change companies then, like because my friend just had a TPD claim, and he'd been with someone for twenty years. And then he changed, and, you know, because of the change and then when things happened, they were kind of the insurance company has now rejected his claim for TPD and kind of said, well whereas if he'd been with the same company the whole time, it would have been fine, but they've just turned around and said, oh, well, you know, we think that this was an issue when you came on board kind of thing. Yeah. And they're kinda saying that he didn't divulge everything or whatever. I mean, that wasn't why it changed. His financial advisers just said, you know, chain let let's change companies, but doing that is what's kind of made him not get see change companies. So I'm thinking, you know, if they can, they probably will down the track use that and just say, oh, well, you know, this is a preexisting thing. Even you know, I mean, that's how they'd try to prove it to not pay a claim. Right? Claim. Right? And and actually and actually declare and actually declare, like, what I had kind of been six months ago or whatever and just I slipped weirdly and got 10 you know, got tendonitis or sequiturines or whatever. Yep. Yep. Yep. Yeah. Yeah. Yep. Mhmm. Yep. Definitely. Yeah. I mean, if I yeah. Yeah. So if they'll do it, and then if they'll say, well, that's fine. We're happy to accept that. She hasn't had any problems. She you know, I never had any time off work with it or anything either. You know, I just I got, I think, two cortisone injections. Did I have two or three? Two or three cortisone injections at the time. So I had it's like tendinitis, so it's called dequervains, d e q u e r v a I n s. So it's called DeQuervain, which is tendinitis. But it came it didn't come from work. It came because I slept weirdly on my hand, and then that, you know, got flared up. But I was still actually able to work with it, like, the whole time. I still did continue to work, and I'm, you know, I was actually very busy and still able to work. But yeah. So that's all settled down now and been fine. Haven't had any days off work or anything like that with it. But but, yeah, it it didn't happen from work. It happened from sleeping weirdly. So Yes. Yep. Yep. And, yes, I'm not on Mobic or anything anymore either. So yep. And the other thing is, like, hormone wise, obviously, I've got, like, menopause medication and thyroid medication just because of my hormones. So have you got all those ones? Did we talk about all those? Yep. Yep. Yep. Mhmm. Yeah. That's right. And but I'm, like, now a hundred and sixty one centimeters, and I weigh fifty two kilograms. So that probably, you know, lets them know that it's I'm not overweight. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yep. Mhmm. Mhmm. And so yeah. So the income protection because at the moment, how much am I paying for the income protection? Do I just pay, like, a $100 out of pocket or something a year? Is that something like that? Just over a 100, I think. It's a lot of it's out of my super. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Mhmm. When when they do own up okay. Cool. When they do own occupation as well, like because one time when I changed banks, like, the home the Commonwealth Bank's like, oh, hey. I don't know if I told you this, but they're like, oh, do you wanna try and do insurance with us? And I already had insurance. Right? But then the the bank was saying, you know, like, ask all these different questions. And then they're saying, you know, what do you do for work? And I said, I'm a physiotherapist and Pilates instructor. Right? So then oh, no. Physiotherapist, and I teach Pilates. And then that basically came back to me and said, so when you say, teach, like, Pilates teacher, what does that mean? How do you define that? Like, as in you know, because I I had staff as well, so I would train them and I would teach clients. And then, you know, I basically felt like, you know, like, I want them just say my hands don't work. I mean, say with Pilates, like so I do physio and I do Pilates. But I mean, do Pilates, but I do, like, pick up weights for clients and have to move things around. So I need reasonable hand function for that. Do do you know what I mean? Like, because otherwise, they could say, well, you could still talk to people or do that. You you know what I mean? Or or does it just go under the title of physiotherapist, which is which incorporates Pilates as part of part of my job? Do you know what I mean? Like, that's one, you know, I can do yes. Like Yeah. But what I'm saying is because they say, oh, well, like, say something happened to me. Well, you can still work because you can still teach Pilates even though you can't do physio. Do you do you know what I mean? Yeah. Yep. Yep. Yeah. Yeah. Yep. And I'd be interested to see because one of the What I missed that. Say that again. If if what? Sorry. Yeah. Yeah. Yeah. What else are we gonna say? And can you have a look? So I don't know if it's a policy that I've got with you guys or if it's the one before I was with you guys. But I know, like, you know how every year they update the policy terms and conditions and stuff. Like, I noticed one of them said, you know, we don't cover arthritis or I don't know if they did rheumatoid or osteo, but, I mean, I guess, like, if something happens to your hand and you're not covered, what does that mean? Like, do they turn around like, one of the policies I had is, like, okay. We don't cover arthritis. Well, do you know what I mean? Any like, which is anyone over the age of 30 will have arthritis or degeneration if you x-ray them. Right? But it was it was kind of like, so does that mean if I have degeneration in my hand, which which anyone will over the age of 30 pretty much if you x-ray them, that it's like, oh, well, we're not gonna cover you now. Like, I'd just be interested to know what they're just because one of the policies I had, they changed it. So so it's like it'd be just be interesting to bring around that because, you know, like, say I hurt my knee skiing and then can't stand or something. I don't ski, actually. But, anyway, can't stand and then, you know, break my knee, but then it's painful. But then they could go, oh, well, you can't come back to work because of arthritis, and arthritis isn't covered. Do you know what I mean? There will be arthritis in my knees. Do you know what I mean? Like like and that's how that's how a lot of, like, work cover claims, they say, doctors, specialists, orthopedic surgeons, this is how they get you off work cover. They say, I feel that the work related component of the exacerbation has now settled down, and any residual problems are a result of underlying degenerative change, which means it's because of arthritis. You're not covered for arthritis, so you're not covered. Like, I just the the wording, which, basically, they can say to anyone pretty much over 30 about anything, they're gonna have arthritis. So I'd just be interested to know the wording around that as well. Do you know what I mean? Like I said, this particular thing had nothing to do with that. It was a a tenant thing anyway. But, you know, that kind of leaves things open because if you it means if you have any degeneration, which everyone will, that that was an exclusion in one of the policies. So yeah. So that was I I just it would just be interesting to see their their wording around that because that basically gets them out of anything. Yep. Yeah. And and so and so if but if it was like I couldn't go back to work because of arthritis for in like like arthritis can underlie everything, right, as well. But if that was part of the issue, like, as in like like, put it this way, they could say, well, you've got underlying, you know, arthritis, and that's why you're still in pain. And if you didn't have that, you wouldn't be back to work, and arthritis is an exclusion. Like, do you know what I mean? Like, I'd just be interested to know that that's not, yeah, in in their policy or something that's not covered. But, yeah, it's just just worth having a look at that just just to make sure because that was, yeah, what came up on one of the documents. So so but, like, on I don't think it was this I don't think it was this policy. I don't think it was these guys. I can't remember which company. I think it might have been the company before you, but but yeah. Anyway, this is something worth having a look at as well because that is how work cover gets everyone off work cover. So, anyway, that's just that's just probably the only other thing. Yeah. And so is this policy just based on my doctor's reports? Right. Okay. Yeah. So that's good. Because that's that's what happens with WorkCover. They always send you to a so called independent examiner who's not independent. It's like, you know, a knee orthopedic surgeon for a back condition, you know what I mean, who is still an orthopedic surgeon, but he doesn't do backs all the time, and he'll make a comment about someone's back and stuff. You know? My clients will research it and go, oh, look. You know? He's not even a knee got a back guy. He's a knee surgeon. You know? But, again, they're not operating. They're just writing the report, and the report pretty much comes back all the time saying exactly what I said every time. Like, the GP that I work with go, you even got the wording right. And I said, I don't know. So Yeah. That's good. I guess that's what what I wanna know. Yeah. How are these companies paying out? Because that's the thing. There's no point. Like, when I had the Commonwealth Bank wanting me to do it, and they were trying to get all these definitions and saying, what was your last visit, sir, and what was it for? I mean, I know doctors generally talk about two or three things that aren't necessarily write great notes. And then they've come back and said, when we asked you this, you said this, and this was just trying to get me to get a quote. I said, look. I feel like you're already making a claim against me before I've even made a claim, so I'm really not interested in taking up your policy. I've already got cover. You know? So, yeah, I I think they were just already trying to make a claim against me before I even did it. So I'm not gonna be paying you money for insurance when I'm not gonna be covered. So yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yep. And then it would be, like, most likely TPD if I was still off work or something. And the TPD and the and the TPD and the income protection, they only go to 65, don't they? Is that right? So what's that? '13 years. '20 what what year? Sorry. '20 what? '30 '9. Thirteen years, I'll be sixty four. So I'll be 64. Yeah. Okay. So till I'm 60 '4, basically. Yep. Yeah. Yeah. I'm '61 now. Yeah. So I'll be '64. Right. So it only covers me, so anything after that. What year what sorry. What month? '20 what month? '29? Oh, okay. So the '29. Yeah. So we yeah. '60 '4. Yep. Going on to '65. Yep. Okay. Yep. Yeah. That sounds good. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. And is is Sebi still my the person who does the trades and stuff on my sofa, by the way? Is Sebi still my adviser or my? Uh-huh. Uh-huh. Uh-huh. Okay. Cool. Yep. Yep. I was just wondering about that because things have changed hands a little bit. Mhmm. Mhmm. I haven't logged on, but, like, my my risk profile would still be the same. Like, I haven't changed anything in terms of, you know, those risk profile questions and stuff. But I guess, yeah, how has it gone overall in the last, like, percentage wise in the last year or year to date kind of thing? 0, cool. Cool. Mhmm. Mhmm. Mhmm. Yeah. Yeah. Yeah. I think gold's pretty good. Yeah. Wanna keep the gold. That's what kind of English. Mhmm. Sounds good. Mhmm. Mhmm. Mhmm. I've just been paying myself the same amount. But, I mean, I think, well, I think I've I've been getting $3.01 $9.02 a fortnight is what I take home, but then tax obviously decreased. So I guess my, you know, gross salary or whatever probably went up because I just just kept paying myself the same amount every fortnight from the company. And then because I'm just the director of my own company. So my company contracts to Chevron Island Physio, and then I'm an employee of my own company, so I can pay myself whatever. But I just take home three one nine to a fortnight in hand, but then I think the tax went down a bit. So, therefore, I think my overall income might have gone up a bit in the last year or two for that reason, even on getting the same amount of money in the hand. No. Well, that means I'm actually getting less in the hand. That actually means I'm getting less in the hand, doesn't it? I mean, less overall because yeah. Yep. Yep. Yep. So I haven't increased my fee because yeah. So I haven't I haven't increased my salary. I mean, I can then just still take, you know, money out of the company if I want because I'm also the director. So if the company gets more money, I can still take a drawing, you know, from that, but I haven't at this point. So yeah. Yep. No. No. It's just me. Yep. Yeah. A fortnight. Yeah. Because that only go on my actual income anyway. Yeah. Yeah. Yeah. Yeah. Yeah. Because that's all that paid me on anyway, isn't it? So in in the long run, like, even if I'm claimed for more, I'll only yeah. So look at my last six months, right, and just pay me based on that or last three months or whatever and yep. Yep. I need to start giving myself a pay rise soon. Maybe make it, like, just maybe make it maybe make it a bit over a 108. You know, like, just if I give myself a pay rise, it'll probably be another well, not yet, but maybe maybe in six months' time, like, maybe another $100 a fortnight. So maybe factor it to whatever that ends up being. Like, probably in six months' time. But, yeah, just to allow that buffer so I'm covered. Because given that I only get 70% of it if something happens. Do you know what I mean? How would that work? Just say I was taking $3.01 $9.02 a fortnight as wages, but because because just so the company gets more money, and then just say I decide to take drawings. Like, say, I draw down, you know, 4,000 a lump sum of $4,000. Okay. So so I could get a $100 a fortnight, which should be, you know, $2,500 or $2,600, say, right, in the hand. Or I could take $2,600 as drawings, like, the director's just drawings from excess in the company. Right? Because I'm the director of the company. If I take $2,600 as drawings, but then I guess you're not paying PAYG on all of that or whatever, but that is still an income I've taken. Would that $2,600 that I've taken as drawings be part of my income, and would that increase my income, or would it still only be a 108,000? So if I could taking $3.01 $9.02, a fortnight like I am now, which is a 108,000, but I take an extra $2,600 drawing, which is actually, you know, going into my income, would they still assess me as only having an income of 108,000, or would they add that $2,600 as well as my income when they look? Yep. Yep. Yeah. Yeah. Well, that's something. I did take some yeah. So that's why I'm saying but it won't really matter if I take that extra income as $2,600 lump sum or a $100 a month. See, the 2,600 lump sum, I'm not having to pay PAYG on. It's just drawings. Whereas if I do a $100, you know, a fortnight, I'm having to pay PAYG and all of that on that as well. But either way, I'm still in that with 20 six 100 in my account. Okay. Cool. Yep. Yep. Yep. Yep. Yeah. Okay. Yeah. So we do need to take it up for a 108 a little bit because I'll probably be taking a few drawings and stuff down. I'll probably, yeah, maybe do it that way so that I just kinda don't have to pay extra super, extra p a y g, and all of that on the money. It just gives me more money in the hand without having to take as much from the company to get the money. Yep. Sounds good. Look. I don't have any kids. So, you know, when I die, it's only like my cousins that are gonna get my money. So, yeah, so I don't think oh, 900 for TPD. Well, that'll cover my house, and I think that'll be well, if the if the TPD could die off a bit, I guess, that would be good, wouldn't it? But do you think 9 hundred's enough for TPD at the moment? It doesn't get you much, does it? Yeah. Yeah. Yeah. Maybe. Just a little bit. Every little bit helps, isn't it? And that So, like yeah. That's what I was gonna say. So if that goes up to a million, does the TPD and that still progressively increase every year as well with CPI to cover? Like, if we're saying we're covering for a million now, will that automatically go up to one point o five next year kind of thing, or would that just stay at a million, like, the figure that we pick for the TPD? Mhmm. Yeah. I guess so it just be still the flat million every year kind of thing? Yeah. Oh, look. I mean, a million is probably enough at the moment anyway. I think, like, I I owe 430,000 on the on the house. So, you know, that would more than cover that, and then I'd have that plus my super, I guess. So yeah. And I'd already be getting my income protection for a while anyway. So yeah. Yeah. We've gotta get my super up. Yeah. Yeah. Yeah. Yeah. Sounds good. Sounds good. No. It's been great. Thanks. You guys have been really helpful. So, yeah, I appreciate it. Yeah. Okay. Thanks for your time. Have a good weekend too. 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Sally speaking. Hi. Good. Thanks.\n\nHow are you? Yeah. Happy New Year to you as well. Yeah. I'm starting to feel a bit that way myself today.\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nYeah. '75. Have you got 14 Revholtz Drive, Benoa, or have you got Southport? Yep. Okay.\n\nMhmm. Mhmm. Yep. Yep. Mhmm.\n\nYep. It's good. It's been fine. But I don't know. I just get a weird feel.\n\nLike, I just still wonder if I do change if you know, the more I think about it, if they will would still kinda try and use that to get out of it down the track if I change insurers. I don't know. I still you know, because I I look at my thumbs and I kinda think, you know, that's probably the first thing to go with the physio. So I'm like yeah. So I'm kind of I'm kind of looking thinking, well, you know, if if they see that and I change companies then, like because my friend just had a TPD claim, and he'd been with someone for twenty years.\n\nAnd then he changed, and, you know, because of the change and then when things happened, they were kind of the insurance company has now rejected his claim for TPD and kind of said, well whereas if he'd been with the same company the whole time, it would have been fine, but they've just turned around and said, oh, well, you know, we think that this was an issue when you came on board kind of thing. Yeah. And they're kinda saying that he didn't divulge everything or whatever. I mean, that wasn't why it changed. His financial advisers just said, you know, chain let let's change companies, but doing that is what's kind of made him not get see change companies.\n\nSo I'm thinking, you know, if they can, they probably will down the track use that and just say, oh, well, you know, this is a preexisting thing. Even you know, I mean, that's how they'd try to prove it to not pay a claim. Right? Claim. Right?\n\nAnd and actually and actually declare and actually declare, like, what I had kind of been six months ago or whatever and just I slipped weirdly and got 10 you know, got tendonitis or sequiturines or whatever. Yep. Yep. Yep. Yeah.\n\nYeah. Yep. Mhmm. Yep. Definitely.\n\nYeah. I mean, if I yeah. Yeah. So if they'll do it, and then if they'll say, well, that's fine. We're happy to accept that.\n\nShe hasn't had any problems. She you know, I never had any time off work with it or anything either. You know, I just I got, I think, two cortisone injections. Did I have two or three? Two or three cortisone injections at the time.\n\nSo I had it's like tendinitis, so it's called dequervains, d e q u e r v a I n s. So it's called DeQuervain, which is tendinitis. But it came it didn't come from work. It came because I slept weirdly on my hand, and then that, you know, got flared up. But I was still actually able to work with it, like, the whole time.\n\nI still did continue to work, and I'm, you know, I was actually very busy and still able to work. But yeah. So that's all settled down now and been fine. Haven't had any days off work or anything like that with it. But but, yeah, it it didn't happen from work.\n\nIt happened from sleeping weirdly. So Yes. Yep. Yep. And, yes, I'm not on Mobic or anything anymore either.\n\nSo yep. And the other thing is, like, hormone wise, obviously, I've got, like, menopause medication and thyroid medication just because of my hormones. So have you got all those ones? Did we talk about all those? Yep.\n\nYep. Yep. Mhmm. Yeah. That's right.\n\nAnd but I'm, like, now a hundred and sixty one centimeters, and I weigh fifty two kilograms. So that probably, you know, lets them know that it's I'm not overweight. Yeah. Yeah. Yeah.\n\nYep. Yep. Yeah. Yep. Mhmm.\n\nMhmm. And so yeah. So the income protection because at the moment, how much am I paying for the income protection? Do I just pay, like, a $100 out of pocket or something a year? Is that something like that?\n\nJust over a 100, I think. It's a lot of it's out of my super. Yep. Yep. Yep.\n\nYep. Yep. Yep. Mhmm. Mhmm.\n\nWhen when they do own up okay. Cool. When they do own occupation as well, like because one time when I changed banks, like, the home the Commonwealth Bank's like, oh, hey. I don't know if I told you this, but they're like, oh, do you wanna try and do insurance with us? And I already had insurance.\n\nRight? But then the the bank was saying, you know, like, ask all these different questions. And then they're saying, you know, what do you do for work? And I said, I'm a physiotherapist and Pilates instructor. Right?\n\nSo then oh, no. Physiotherapist, and I teach Pilates. And then that basically came back to me and said, so when you say, teach, like, Pilates teacher, what does that mean? How do you define that? Like, as in you know, because I I had staff as well, so I would train them and I would teach clients.\n\nAnd then, you know, I basically felt like, you know, like, I want them just say my hands don't work. I mean, say with Pilates, like so I do physio and I do Pilates. But I mean, do Pilates, but I do, like, pick up weights for clients and have to move things around. So I need reasonable hand function for that. Do do you know what I mean?\n\nLike, because otherwise, they could say, well, you could still talk to people or do that. You you know what I mean? Or or does it just go under the title of physiotherapist, which is which incorporates Pilates as part of part of my job? Do you know what I mean? Like, that's one, you know, I can do yes.\n\nLike Yeah. But what I'm saying is because they say, oh, well, like, say something happened to me. Well, you can still work because you can still teach Pilates even though you can't do physio. Do you do you know what I mean? Yeah.\n\nYep. Yep. Yeah. Yeah. Yep.\n\nAnd I'd be interested to see because one of the What I missed that. Say that again. If if what? Sorry. Yeah.\n\nYeah. Yeah. What else are we gonna say? And can you have a look? So I don't know if it's a policy that I've got with you guys or if it's the one before I was with you guys.\n\nBut I know, like, you know how every year they update the policy terms and conditions and stuff. Like, I noticed one of them said, you know, we don't cover arthritis or I don't know if they did rheumatoid or osteo, but, I mean, I guess, like, if something happens to your hand and you're not covered, what does that mean? Like, do they turn around like, one of the policies I had is, like, okay. We don't cover arthritis. Well, do you know what I mean?\n\nAny like, which is anyone over the age of 30 will have arthritis or degeneration if you x-ray them. Right? But it was it was kind of like, so does that mean if I have degeneration in my hand, which which anyone will over the age of 30 pretty much if you x-ray them, that it's like, oh, well, we're not gonna cover you now. Like, I'd just be interested to know what they're just because one of the policies I had, they changed it. So so it's like it'd be just be interesting to bring around that because, you know, like, say I hurt my knee skiing and then can't stand or something.\n\nI don't ski, actually. But, anyway, can't stand and then, you know, break my knee, but then it's painful. But then they could go, oh, well, you can't come back to work because of arthritis, and arthritis isn't covered. Do you know what I mean? There will be arthritis in my knees.\n\nDo you know what I mean? Like like and that's how that's how a lot of, like, work cover claims, they say, doctors, specialists, orthopedic surgeons, this is how they get you off work cover. They say, I feel that the work related component of the exacerbation has now settled down, and any residual problems are a result of underlying degenerative change, which means it's because of arthritis. You're not covered for arthritis, so you're not covered. Like, I just the the wording, which, basically, they can say to anyone pretty much over 30 about anything, they're gonna have arthritis.\n\nSo I'd just be interested to know the wording around that as well. Do you know what I mean? Like I said, this particular thing had nothing to do with that. It was a a tenant thing anyway. But, you know, that kind of leaves things open because if you it means if you have any degeneration, which everyone will, that that was an exclusion in one of the policies.\n\nSo yeah. So that was I I just it would just be interesting to see their their wording around that because that basically gets them out of anything. Yep. Yeah. And and so and so if but if it was like I couldn't go back to work because of arthritis for in like like arthritis can underlie everything, right, as well.\n\nBut if that was part of the issue, like, as in like like, put it this way, they could say, well, you've got underlying, you know, arthritis, and that's why you're still in pain. And if you didn't have that, you wouldn't be back to work, and arthritis is an exclusion. Like, do you know what I mean? Like, I'd just be interested to know that that's not, yeah, in in their policy or something that's not covered. But, yeah, it's just just worth having a look at that just just to make sure because that was, yeah, what came up on one of the documents.\n\nSo so but, like, on I don't think it was this I don't think it was this policy. I don't think it was these guys. I can't remember which company. I think it might have been the company before you, but but yeah. Anyway, this is something worth having a look at as well because that is how work cover gets everyone off work cover.\n\nSo, anyway, that's just that's just probably the only other thing. Yeah. And so is this policy just based on my doctor's reports? Right. Okay.\n\nYeah. So that's good. Because that's that's what happens with WorkCover. They always send you to a so called independent examiner who's not independent. It's like, you know, a knee orthopedic surgeon for a back condition, you know what I mean, who is still an orthopedic surgeon, but he doesn't do backs all the time, and he'll make a comment about someone's back and stuff.\n\nYou know? My clients will research it and go, oh, look. You know? He's not even a knee got a back guy. He's a knee surgeon.\n\nYou know? But, again, they're not operating. They're just writing the report, and the report pretty much comes back all the time saying exactly what I said every time. Like, the GP that I work with go, you even got the wording right. And I said, I don't know.\n\nSo Yeah. That's good. I guess that's what what I wanna know. Yeah. How are these companies paying out?\n\nBecause that's the thing. There's no point. Like, when I had the Commonwealth Bank wanting me to do it, and they were trying to get all these definitions and saying, what was your last visit, sir, and what was it for? I mean, I know doctors generally talk about two or three things that aren't necessarily write great notes. And then they've come back and said, when we asked you this, you said this, and this was just trying to get me to get a quote.\n\nI said, look. I feel like you're already making a claim against me before I've even made a claim, so I'm really not interested in taking up your policy. I've already got cover. You know? So, yeah, I I think they were just already trying to make a claim against me before I even did it.\n\nSo I'm not gonna be paying you money for insurance when I'm not gonna be covered. So yeah. Yep. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nAnd then it would be, like, most likely TPD if I was still off work or something. And the TPD and the and the TPD and the income protection, they only go to 65, don't they? Is that right? So what's that? '13 years.\n\n'20 what what year? Sorry. '20 what? '30 '9. Thirteen years, I'll be sixty four.\n\nSo I'll be 64. Yeah. Okay. So till I'm 60 '4, basically. Yep.\n\nYeah. Yeah. I'm '61 now. Yeah. So I'll be '64.\n\nRight. So it only covers me, so anything after that. What year what sorry. What month? '20 what month?\n\n'29? Oh, okay. So the '29. Yeah. So we yeah.\n\n'60 '4. Yep. Going on to '65. Yep. Okay.\n\nYep. Yeah. That sounds good. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. And is is Sebi still my the person who does the trades and stuff on my sofa, by the way? Is Sebi still my adviser or my? Uh-huh. Uh-huh.\n\nUh-huh. Okay. Cool. Yep. Yep.\n\nI was just wondering about that because things have changed hands a little bit. Mhmm. Mhmm. I haven't logged on, but, like, my my risk profile would still be the same. Like, I haven't changed anything in terms of, you know, those risk profile questions and stuff.\n\nBut I guess, yeah, how has it gone overall in the last, like, percentage wise in the last year or year to date kind of thing? 0, cool. Cool. Mhmm. Mhmm.\n\nMhmm. Yeah. Yeah. Yeah. I think gold's pretty good.\n\nYeah. Wanna keep the gold. That's what kind of English. Mhmm. Sounds good.\n\nMhmm. Mhmm. Mhmm. I've just been paying myself the same amount. But, I mean, I think, well, I think I've I've been getting $3.01 $9.02 a fortnight is what I take home, but then tax obviously decreased.\n\nSo I guess my, you know, gross salary or whatever probably went up because I just just kept paying myself the same amount every fortnight from the company. And then because I'm just the director of my own company. So my company contracts to Chevron Island Physio, and then I'm an employee of my own company, so I can pay myself whatever. But I just take home three one nine to a fortnight in hand, but then I think the tax went down a bit. So, therefore, I think my overall income might have gone up a bit in the last year or two for that reason, even on getting the same amount of money in the hand.\n\nNo. Well, that means I'm actually getting less in the hand. That actually means I'm getting less in the hand, doesn't it? I mean, less overall because yeah. Yep.\n\nYep. Yep. So I haven't increased my fee because yeah. So I haven't I haven't increased my salary. I mean, I can then just still take, you know, money out of the company if I want because I'm also the director.\n\nSo if the company gets more money, I can still take a drawing, you know, from that, but I haven't at this point. So yeah. Yep. No. No.\n\nIt's just me. Yep. Yeah. A fortnight. Yeah.\n\nBecause that only go on my actual income anyway. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Because that's all that paid me on anyway, isn't it? So in in the long run, like, even if I'm claimed for more, I'll only yeah. So look at my last six months, right, and just pay me based on that or last three months or whatever and yep. Yep.\n\nI need to start giving myself a pay rise soon. Maybe make it, like, just maybe make it maybe make it a bit over a 108. You know, like, just if I give myself a pay rise, it'll probably be another well, not yet, but maybe maybe in six months' time, like, maybe another $100 a fortnight. So maybe factor it to whatever that ends up being. Like, probably in six months' time.\n\nBut, yeah, just to allow that buffer so I'm covered. Because given that I only get 70% of it if something happens. Do you know what I mean? How would that work? Just say I was taking $3.01 $9.02 a fortnight as wages, but because because just so the company gets more money, and then just say I decide to take drawings.\n\nLike, say, I draw down, you know, 4,000 a lump sum of $4,000. Okay. So so I could get a $100 a fortnight, which should be, you know, $2,500 or $2,600, say, right, in the hand. Or I could take $2,600 as drawings, like, the director's just drawings from excess in the company. Right?\n\nBecause I'm the director of the company. If I take $2,600 as drawings, but then I guess you're not paying PAYG on all of that or whatever, but that is still an income I've taken. Would that $2,600 that I've taken as drawings be part of my income, and would that increase my income, or would it still only be a 108,000? So if I could taking $3.01 $9.02, a fortnight like I am now, which is a 108,000, but I take an extra $2,600 drawing, which is actually, you know, going into my income, would they still assess me as only having an income of 108,000, or would they add that $2,600 as well as my income when they look? Yep.\n\nYep. Yeah. Yeah. Well, that's something. I did take some yeah.\n\nSo that's why I'm saying but it won't really matter if I take that extra income as $2,600 lump sum or a $100 a month. See, the 2,600 lump sum, I'm not having to pay PAYG on. It's just drawings. Whereas if I do a $100, you know, a fortnight, I'm having to pay PAYG and all of that on that as well. But either way, I'm still in that with 20 six 100 in my account.\n\nOkay. Cool. Yep. Yep. Yep.\n\nYep. Yeah. Okay. Yeah. So we do need to take it up for a 108 a little bit because I'll probably be taking a few drawings and stuff down.\n\nI'll probably, yeah, maybe do it that way so that I just kinda don't have to pay extra super, extra p a y g, and all of that on the money. It just gives me more money in the hand without having to take as much from the company to get the money. Yep. Sounds good. Look.\n\nI don't have any kids. So, you know, when I die, it's only like my cousins that are gonna get my money. So, yeah, so I don't think oh, 900 for TPD. Well, that'll cover my house, and I think that'll be well, if the if the TPD could die off a bit, I guess, that would be good, wouldn't it? But do you think 9 hundred's enough for TPD at the moment?\n\nIt doesn't get you much, does it? Yeah. Yeah. Yeah. Maybe.\n\nJust a little bit. Every little bit helps, isn't it? And that So, like yeah. That's what I was gonna say. So if that goes up to a million, does the TPD and that still progressively increase every year as well with CPI to cover?\n\nLike, if we're saying we're covering for a million now, will that automatically go up to one point o five next year kind of thing, or would that just stay at a million, like, the figure that we pick for the TPD? Mhmm. Yeah. I guess so it just be still the flat million every year kind of thing? Yeah.\n\nOh, look. I mean, a million is probably enough at the moment anyway. I think, like, I I owe 430,000 on the on the house. So, you know, that would more than cover that, and then I'd have that plus my super, I guess. So yeah.\n\nAnd I'd already be getting my income protection for a while anyway. So yeah. Yeah. We've gotta get my super up. Yeah.\n\nYeah. Yeah. Yeah. Sounds good. Sounds good.\n\nNo. It's been great. Thanks. You guys have been really helpful. So, yeah, I appreciate it.\n\nYeah. Okay. Thanks for your time. Have a good weekend too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02096899226307869},{"text":"Sally speaking.","start":1.12,"end":2.02,"sentiment":"neutral","sentiment_score":0.033778272569179535},{"text":"Hi.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.26589420437812805},{"text":"Good.","start":7.2,"end":7.44,"sentiment":"positive","sentiment_score":0.42861559987068176},{"text":"Thanks.","start":7.44,"end":7.68,"sentiment":"positive","sentiment_score":0.5330194234848022}],"sentiment":"neutral","sentiment_score":0.21934246085584164,"num_words":6,"start":0.56,"end":7.68},{"sentences":[{"text":"How are you?","start":7.68,"end":8.5,"sentiment":"positive","sentiment_score":0.37425153454144794},{"text":"Yeah.","start":11.28,"end":11.679999,"sentiment":"positive","sentiment_score":0.4602149724960327},{"text":"Happy New Year to you as well.","start":11.679999,"end":13.219999,"sentiment":"positive","sentiment_score":0.5246380652700152},{"text":"Yeah.","start":21.545,"end":21.785,"sentiment":"neutral","sentiment_score":-0.3053719401359558},{"text":"I'm starting to feel a bit that way myself today.","start":21.785,"end":23.965,"sentiment":"negative","sentiment_score":-0.4578579604625702}],"sentiment":"neutral","sentiment_score":0.016885658556764774,"num_words":22,"start":7.68,"end":23.965},{"sentences":[{"text":"Yep.","start":38.69,"end":39.09,"sentiment":"neutral","sentiment_score":0.025629661977291107},{"text":"Mhmm.","start":39.09,"end":39.57,"sentiment":"neutral","sentiment_score":0.028416037559509277},{"text":"Yep.","start":39.57,"end":40.07,"sentiment":"neutral","sentiment_score":0.0971948504447937},{"text":"Mhmm.","start":47.555,"end":48.055,"sentiment":"neutral","sentiment_score":0.0011252127587795258},{"text":"Yep.","start":48.195,"end":48.695,"sentiment":"neutral","sentiment_score":0.006847070530056953}],"sentiment":"neutral","sentiment_score":0.031842566654086114,"num_words":5,"start":38.69,"end":48.695},{"sentences":[{"text":"Yeah.","start":56.75,"end":57.07,"sentiment":"neutral","sentiment_score":0.009048668667674065},{"text":"'75.","start":57.07,"end":59.25,"sentiment":"neutral","sentiment_score":0.006089020520448685},{"text":"Have you got 14 Revholtz Drive, Benoa, or have you got Southport?","start":59.629997,"end":63.41,"sentiment":"neutral","sentiment_score":0.004368530469946563},{"text":"Yep.","start":63.789997,"end":64.11,"sentiment":"neutral","sentiment_score":0.015231083147227764},{"text":"Okay.","start":64.11,"end":64.59,"sentiment":"neutral","sentiment_score":0.010905217379331589}],"sentiment":"neutral","sentiment_score":0.005856022209627554,"num_words":16,"start":56.75,"end":64.59},{"sentences":[{"text":"Mhmm.","start":64.59,"end":65.09,"sentiment":"neutral","sentiment_score":0.003843466052785516},{"text":"Mhmm.","start":65.47,"end":65.869995,"sentiment":"neutral","sentiment_score":0.009706983342766762},{"text":"Yep.","start":65.869995,"end":66.369995,"sentiment":"neutral","sentiment_score":0.05886324495077133},{"text":"Yep.","start":80.005,"end":80.485,"sentiment":"neutral","sentiment_score":0.01106028538197279},{"text":"Mhmm.","start":80.485,"end":80.985,"sentiment":"neutral","sentiment_score":0.01705487072467804}],"sentiment":"neutral","sentiment_score":0.020105770090594888,"num_words":5,"start":64.59,"end":80.985},{"sentences":[{"text":"Yep.","start":95.97,"end":96.47,"sentiment":"neutral","sentiment_score":-0.012215746566653252},{"text":"It's good.","start":97.090004,"end":97.65,"sentiment":"neutral","sentiment_score":0.15549354255199432},{"text":"It's been fine.","start":97.65,"end":98.29,"sentiment":"neutral","sentiment_score":0.10371025651693344},{"text":"But I don't know.","start":98.29,"end":99.01,"sentiment":"neutral","sentiment_score":-0.25858936458826065},{"text":"I just get a weird feel.","start":99.01,"end":100.850006,"sentiment":"negative","sentiment_score":-0.529082402586937}],"sentiment":"neutral","sentiment_score":-0.22493436036165804,"num_words":16,"start":95.97,"end":100.850006},{"sentences":[{"text":"Like, I just still wonder if I do change if you know, the more I think about it, if they will would still kinda try and use that to get out of it down the track if I change insurers.","start":100.850006,"end":110.265,"sentiment":"negative","sentiment_score":-0.3333430949598551},{"text":"I don't know.","start":110.884995,"end":111.604996,"sentiment":"neutral","sentiment_score":-0.22794919461011887},{"text":"I still you know, because I I look at my thumbs and I kinda think, you know, that's probably the first thing to go with the physio.","start":111.604996,"end":118.7,"sentiment":"neutral","sentiment_score":0.08303584848289136},{"text":"So I'm like yeah.","start":119.48,"end":122.78,"sentiment":"positive","sentiment_score":0.47743023931980133},{"text":"So I'm kind of I'm kind of looking thinking, well, you know, if if they see that and I change companies then, like because my friend just had a TPD claim, and he'd been with someone for twenty years.","start":123.8,"end":134.655,"sentiment":"neutral","sentiment_score":-0.04928524499663558}],"sentiment":"neutral","sentiment_score":-0.10431864664403606,"num_words":113,"start":100.850006,"end":134.655},{"sentences":[{"text":"And then he changed, and, you know, because of the change and then when things happened, they were kind of the insurance company has now rejected his claim for TPD and kind of said, well whereas if he'd been with the same company the whole time, it would have been fine, but they've just turned around and said, oh, well, you know, we think that this was an issue when you came on board kind of thing.","start":134.655,"end":154.35,"sentiment":"neutral","sentiment_score":-0.20280103201602961},{"text":"Yeah.","start":161.545,"end":161.78499,"sentiment":"neutral","sentiment_score":-0.13900026679039},{"text":"And they're kinda saying that he didn't divulge everything or whatever.","start":161.78499,"end":164.58499,"sentiment":"neutral","sentiment_score":-0.2112459350715984},{"text":"I mean, that wasn't why it changed.","start":164.58499,"end":165.70499,"sentiment":"neutral","sentiment_score":-0.21157192758151463},{"text":"His financial advisers just said, you know, chain let let's change companies, but doing that is what's kind of made him not get see change companies.","start":165.70499,"end":175.09999,"sentiment":"neutral","sentiment_score":-0.2712932796432422}],"sentiment":"neutral","sentiment_score":-0.21813945722628814,"num_words":122,"start":134.655,"end":175.09999},{"sentences":[{"text":"So I'm thinking, you know, if they can, they probably will down the track use that and just say, oh, well, you know, this is a preexisting thing.","start":175.15999,"end":181.49333,"sentiment":"neutral","sentiment_score":-0.28910002218825476},{"text":"Even you know, I mean, that's how they'd try to prove it to not pay a claim.","start":181.49333,"end":181.9425,"sentiment":"neutral","sentiment_score":-0.2677636260495466},{"text":"Right?","start":181.9425,"end":182.085,"sentiment":"neutral","sentiment_score":-0.05168923735618591},{"text":"Claim.","start":188.005,"end":188.505,"sentiment":"neutral","sentiment_score":0.008453935384750366},{"text":"Right?","start":196.32501,"end":196.82501,"sentiment":"neutral","sentiment_score":0.006614133715629578}],"sentiment":"neutral","sentiment_score":-0.26423757150769234,"num_words":48,"start":175.15999,"end":196.82501},{"sentences":[{"text":"And and actually and actually declare and actually declare, like, what I had kind of been six months ago or whatever and just I slipped weirdly and got 10 you know, got tendonitis or sequiturines or whatever.","start":218.595,"end":231.23999,"sentiment":"neutral","sentiment_score":-0.057758902174395485},{"text":"Yep.","start":247.115,"end":247.615,"sentiment":"neutral","sentiment_score":0.107856884598732},{"text":"Yep.","start":248.795,"end":249.195,"sentiment":"neutral","sentiment_score":-0.0124856885522604},{"text":"Yep.","start":249.195,"end":249.695,"sentiment":"neutral","sentiment_score":-0.03198212385177612},{"text":"Yeah.","start":279.035,"end":279.535,"sentiment":"neutral","sentiment_score":-0.1163584440946579}],"sentiment":"neutral","sentiment_score":-0.05341582322811208,"num_words":41,"start":218.595,"end":279.535},{"sentences":[{"text":"Yeah.","start":285.05,"end":285.45,"sentiment":"neutral","sentiment_score":0.002466963604092598},{"text":"Yep.","start":285.45,"end":285.95,"sentiment":"neutral","sentiment_score":0.01161995343863964},{"text":"Mhmm.","start":286.09,"end":286.59,"sentiment":"neutral","sentiment_score":0.025055348873138428},{"text":"Yep.","start":287.13,"end":287.53,"sentiment":"neutral","sentiment_score":0.04349648207426071},{"text":"Definitely.","start":287.53,"end":288.03,"sentiment":"neutral","sentiment_score":0.08276022970676422}],"sentiment":"neutral","sentiment_score":0.03307979553937912,"num_words":5,"start":285.05,"end":288.03},{"sentences":[{"text":"Yeah.","start":288.16998,"end":288.33,"sentiment":"neutral","sentiment_score":0.06499528884887695},{"text":"I mean, if I yeah.","start":288.33,"end":289.37,"sentiment":"neutral","sentiment_score":0.05531957000494003},{"text":"Yeah.","start":289.37,"end":289.61,"sentiment":"neutral","sentiment_score":0.14229361712932587},{"text":"So if they'll do it, and then if they'll say, well, that's fine.","start":289.61,"end":292.49,"sentiment":"neutral","sentiment_score":0.2057496171731215},{"text":"We're happy to accept that.","start":292.49,"end":293.61,"sentiment":"positive","sentiment_score":0.5823738694190979}],"sentiment":"neutral","sentiment_score":0.2428200450539589,"num_words":25,"start":288.16998,"end":293.61},{"sentences":[{"text":"She hasn't had any problems.","start":293.61,"end":294.73,"sentiment":"positive","sentiment_score":0.3403747707605362},{"text":"She you know, I never had any time off work with it or anything either.","start":294.73,"end":298.215,"sentiment":"neutral","sentiment_score":0.12570545176664988},{"text":"You know, I just I got, I think, two cortisone injections.","start":298.215,"end":302.155,"sentiment":"neutral","sentiment_score":0.02291867678815668},{"text":"Did I have two or three?","start":303.895,"end":305.275,"sentiment":"neutral","sentiment_score":0.005559935234487057},{"text":"Two or three cortisone injections at the time.","start":305.815,"end":307.815,"sentiment":"neutral","sentiment_score":-0.01531934505328536}],"sentiment":"neutral","sentiment_score":0.08334146502117316,"num_words":45,"start":293.61,"end":307.815},{"sentences":[{"text":"So I had it's like tendinitis, so it's called dequervains, d e q u e r v a I n s.","start":307.815,"end":315.15002,"sentiment":"neutral","sentiment_score":-0.008705035206817445},{"text":"So it's called DeQuervain, which is tendinitis.","start":315.15002,"end":318.05002,"sentiment":"neutral","sentiment_score":0.011361400064613138},{"text":"But it came it didn't come from work.","start":319.31,"end":321.87,"sentiment":"neutral","sentiment_score":-0.14470448391512036},{"text":"It came because I slept weirdly on my hand, and then that, you know, got flared up.","start":321.87,"end":326.685,"sentiment":"neutral","sentiment_score":-0.23324371348409093},{"text":"But I was still actually able to work with it, like, the whole time.","start":326.685,"end":329.42502,"sentiment":"positive","sentiment_score":0.38645926117897034}],"sentiment":"neutral","sentiment_score":0.0027518614487194296,"num_words":67,"start":307.815,"end":329.42502},{"sentences":[{"text":"I still did continue to work, and I'm, you know, I was actually very busy and still able to work.","start":330.845,"end":335.725,"sentiment":"neutral","sentiment_score":0.19759689643979073},{"text":"But yeah.","start":335.725,"end":336.385,"sentiment":"neutral","sentiment_score":0.20204681158065796},{"text":"So that's all settled down now and been fine.","start":336.525,"end":338.73,"sentiment":"positive","sentiment_score":0.5244105756282806},{"text":"Haven't had any days off work or anything like that with it.","start":338.89,"end":341.63,"sentiment":"neutral","sentiment_score":0.02621723897755146},{"text":"But but, yeah, it it didn't happen from work.","start":341.85,"end":344.81,"sentiment":"neutral","sentiment_score":-0.11486681550741196}],"sentiment":"neutral","sentiment_score":0.16070254347645319,"num_words":52,"start":330.845,"end":344.81},{"sentences":[{"text":"It happened from sleeping weirdly.","start":344.81,"end":346.67,"sentiment":"neutral","sentiment_score":-0.1640618085861206},{"text":"So Yes.","start":349.05002,"end":365.195,"sentiment":"neutral","sentiment_score":0.10811798088252544},{"text":"Yep.","start":366.09,"end":366.59,"sentiment":"neutral","sentiment_score":0.03953251987695694},{"text":"Yep.","start":371.12997,"end":371.61,"sentiment":"neutral","sentiment_score":0.02264789305627346},{"text":"And, yes, I'm not on Mobic or anything anymore either.","start":371.61,"end":374.33,"sentiment":"neutral","sentiment_score":-0.08708098605275154}],"sentiment":"neutral","sentiment_score":-0.07435276467157037,"num_words":19,"start":344.81,"end":374.33},{"sentences":[{"text":"So yep.","start":374.33,"end":375.38998,"sentiment":"neutral","sentiment_score":-0.028156097047030926},{"text":"And the other thing is, like, hormone wise, obviously, I've got, like, menopause medication and thyroid medication just because of my hormones.","start":375.53,"end":383.125,"sentiment":"neutral","sentiment_score":-0.03492098538713022},{"text":"So have you got all those ones?","start":383.265,"end":384.625,"sentiment":"neutral","sentiment_score":0.008482299478990691},{"text":"Did we talk about all those?","start":384.625,"end":386.005,"sentiment":"neutral","sentiment_score":-0.002213441456357638},{"text":"Yep.","start":390.225,"end":390.725,"sentiment":"neutral","sentiment_score":0.03631487488746643}],"sentiment":"neutral","sentiment_score":-0.01953061973970187,"num_words":38,"start":374.33,"end":390.725},{"sentences":[{"text":"Yep.","start":391.265,"end":391.765,"sentiment":"neutral","sentiment_score":0.030359778553247452},{"text":"Yep.","start":395.44,"end":395.91998,"sentiment":"neutral","sentiment_score":0.03249029070138931},{"text":"Mhmm.","start":395.91998,"end":396.41998,"sentiment":"neutral","sentiment_score":0.022500425577163696},{"text":"Yeah.","start":400.72,"end":400.96,"sentiment":"neutral","sentiment_score":0.012047451920807362},{"text":"That's right.","start":400.96,"end":401.75998,"sentiment":"neutral","sentiment_score":0.03513459116220474}],"sentiment":"neutral","sentiment_score":0.027944521512836218,"num_words":6,"start":391.265,"end":401.75998},{"sentences":[{"text":"And but I'm, like, now a hundred and sixty one centimeters, and I weigh fifty two kilograms.","start":401.75998,"end":407.94,"sentiment":"neutral","sentiment_score":0.006462889723479748},{"text":"So that probably, you know, lets them know that it's I'm not overweight.","start":408.17502,"end":414.195,"sentiment":"neutral","sentiment_score":0.0006254133410178698},{"text":"Yeah.","start":421.05502,"end":421.55502,"sentiment":"neutral","sentiment_score":0.03784572333097458},{"text":"Yeah.","start":421.61502,"end":422.11502,"sentiment":"neutral","sentiment_score":0.021785864606499672},{"text":"Yeah.","start":434.76,"end":435.26,"sentiment":"neutral","sentiment_score":-0.05247892811894417}],"sentiment":"neutral","sentiment_score":0.0037924896530581245,"num_words":33,"start":401.75998,"end":435.26},{"sentences":[{"text":"Yep.","start":443.525,"end":444.025,"sentiment":"neutral","sentiment_score":0.026128603145480156},{"text":"Yep.","start":444.085,"end":444.585,"sentiment":"neutral","sentiment_score":0.04540039226412773},{"text":"Yeah.","start":462.47,"end":462.97,"sentiment":"neutral","sentiment_score":0.02877230942249298},{"text":"Yep.","start":467.805,"end":468.305,"sentiment":"neutral","sentiment_score":0.11963563412427902},{"text":"Mhmm.","start":471.645,"end":472.145,"sentiment":"neutral","sentiment_score":0.07577243447303772}],"sentiment":"neutral","sentiment_score":0.05914187468588352,"num_words":5,"start":443.525,"end":472.145},{"sentences":[{"text":"Mhmm.","start":472.285,"end":472.785,"sentiment":"neutral","sentiment_score":0.1768253743648529},{"text":"And so yeah.","start":483.24002,"end":483.96,"sentiment":"neutral","sentiment_score":-0.05481106291214625},{"text":"So the income protection because at the moment, how much am I paying for the income protection?","start":483.96,"end":487.96,"sentiment":"neutral","sentiment_score":-0.04168722055414144},{"text":"Do I just pay, like, a $100 out of pocket or something a year?","start":487.96,"end":491.0,"sentiment":"neutral","sentiment_score":-0.09421768145901817},{"text":"Is that something like that?","start":491.0,"end":492.36002,"sentiment":"neutral","sentiment_score":-0.09963152706623077}],"sentiment":"neutral","sentiment_score":-0.06283739348873496,"num_words":40,"start":472.285,"end":492.36002},{"sentences":[{"text":"Just over a 100, I think.","start":492.36002,"end":493.9,"sentiment":"neutral","sentiment_score":-0.06411535603304704},{"text":"It's a lot of it's out of my super.","start":495.085,"end":496.705,"sentiment":"neutral","sentiment_score":-0.13690209057595995},{"text":"Yep.","start":501.16498,"end":501.66498,"sentiment":"neutral","sentiment_score":-0.04908083379268646},{"text":"Yep.","start":503.32498,"end":503.82498,"sentiment":"neutral","sentiment_score":-0.07161787152290344},{"text":"Yep.","start":506.84497,"end":507.34497,"sentiment":"neutral","sentiment_score":0.036188289523124695}],"sentiment":"neutral","sentiment_score":-0.09451785373191039,"num_words":18,"start":492.36002,"end":507.34497},{"sentences":[{"text":"Yep.","start":507.485,"end":507.985,"sentiment":"neutral","sentiment_score":0.0729077160358429},{"text":"Yep.","start":520.51,"end":520.99,"sentiment":"neutral","sentiment_score":0.1336233615875244},{"text":"Yep.","start":520.99,"end":521.49,"sentiment":"neutral","sentiment_score":0.15716508030891418},{"text":"Mhmm.","start":548.84,"end":549.16003,"sentiment":"neutral","sentiment_score":0.030204998329281807},{"text":"Mhmm.","start":549.16003,"end":549.66003,"sentiment":"neutral","sentiment_score":0.017643630504608154}],"sentiment":"neutral","sentiment_score":0.08230895735323429,"num_words":5,"start":507.485,"end":549.66003},{"sentences":[{"text":"When when they do own up okay.","start":550.36,"end":554.16504,"sentiment":"neutral","sentiment_score":0.03546721435018948},{"text":"Cool.","start":554.16504,"end":554.66504,"sentiment":"neutral","sentiment_score":-0.0010916553437709808},{"text":"When they do own occupation as well, like because one time when I changed banks, like, the home the Commonwealth Bank's like, oh, hey.","start":554.72504,"end":564.325,"sentiment":"neutral","sentiment_score":0.004136577209768196},{"text":"I don't know if I told you this, but they're like, oh, do you wanna try and do insurance with us?","start":564.325,"end":567.79004,"sentiment":"neutral","sentiment_score":-0.03598026079790933},{"text":"And I already had insurance.","start":567.79004,"end":569.07,"sentiment":"neutral","sentiment_score":-0.016278044506907462}],"sentiment":"neutral","sentiment_score":-0.008457224157735192,"num_words":58,"start":550.36,"end":569.07},{"sentences":[{"text":"Right?","start":569.07,"end":569.57,"sentiment":"neutral","sentiment_score":-0.0015376033261418345},{"text":"But then the the bank was saying, you know, like, ask all these different questions.","start":569.71,"end":575.09,"sentiment":"neutral","sentiment_score":0.008496157079935073},{"text":"And then they're saying, you know, what do you do for work?","start":575.15,"end":577.31,"sentiment":"neutral","sentiment_score":0.008264310114706555},{"text":"And I said, I'm a physiotherapist and Pilates instructor.","start":577.31,"end":580.37,"sentiment":"neutral","sentiment_score":0.04696891291273965},{"text":"Right?","start":580.51,"end":581.01,"sentiment":"neutral","sentiment_score":0.024150021374225616}],"sentiment":"neutral","sentiment_score":0.017682808206269617,"num_words":38,"start":569.07,"end":581.01},{"sentences":[{"text":"So then oh, no.","start":581.21497,"end":582.495,"sentiment":"neutral","sentiment_score":0.029369383119046688},{"text":"Physiotherapist, and I teach Pilates.","start":582.495,"end":584.27496,"sentiment":"neutral","sentiment_score":0.06978627964854241},{"text":"And then that basically came back to me and said, so when you say, teach, like, Pilates teacher, what does that mean?","start":584.575,"end":590.975,"sentiment":"neutral","sentiment_score":0.05610836610536684},{"text":"How do you define that?","start":590.975,"end":592.335,"sentiment":"neutral","sentiment_score":0.025828377157449723},{"text":"Like, as in you know, because I I had staff as well, so I would train them and I would teach clients.","start":592.335,"end":597.57,"sentiment":"neutral","sentiment_score":0.0975046537139199}],"sentiment":"neutral","sentiment_score":0.06853512504362855,"num_words":58,"start":581.21497,"end":597.57},{"sentences":[{"text":"And then, you know, I basically felt like, you know, like, I want them just say my hands don't work.","start":597.57,"end":604.07,"sentiment":"neutral","sentiment_score":-0.07262824680656195},{"text":"I mean, say with Pilates, like so I do physio and I do Pilates.","start":604.13,"end":607.99,"sentiment":"neutral","sentiment_score":0.0012450792959758212},{"text":"But I mean, do Pilates, but I do, like, pick up weights for clients and have to move things around.","start":608.13,"end":612.665,"sentiment":"neutral","sentiment_score":0.020180590637028217},{"text":"So I need reasonable hand function for that.","start":612.665,"end":615.14496,"sentiment":"neutral","sentiment_score":0.06060354970395565},{"text":"Do do you know what I mean?","start":615.14496,"end":616.105,"sentiment":"neutral","sentiment_score":-0.07642631658485957}],"sentiment":"neutral","sentiment_score":-0.015676490314628765,"num_words":69,"start":597.57,"end":616.105},{"sentences":[{"text":"Like, because otherwise, they could say, well, you could still talk to people or do that.","start":616.105,"end":620.745,"sentiment":"neutral","sentiment_score":-0.11291814828291535},{"text":"You you know what I mean?","start":620.745,"end":621.70496,"sentiment":"neutral","sentiment_score":-0.04701114073395729},{"text":"Or or does it just go under the title of physiotherapist, which is which incorporates Pilates as part of part of my job?","start":621.70496,"end":629.28,"sentiment":"neutral","sentiment_score":0.04863203203548556},{"text":"Do you know what I mean?","start":629.28,"end":630.42,"sentiment":"neutral","sentiment_score":-0.03320274998744329},{"text":"Like, that's one, you know, I can do yes.","start":630.8,"end":638.0,"sentiment":"neutral","sentiment_score":0.06256911882923709}],"sentiment":"neutral","sentiment_score":-0.010105248509595792,"num_words":60,"start":616.105,"end":638.0},{"sentences":[{"text":"Like Yeah.","start":638.0,"end":646.045,"sentiment":"neutral","sentiment_score":0.028897687792778015},{"text":"But what I'm saying is because they say, oh, well, like, say something happened to me.","start":667.905,"end":672.705,"sentiment":"neutral","sentiment_score":-0.013570741808507591},{"text":"Well, you can still work because you can still teach Pilates even though you can't do physio.","start":672.705,"end":676.30505,"sentiment":"neutral","sentiment_score":0.2885640736888437},{"text":"Do you do you know what I mean?","start":676.30505,"end":677.68506,"sentiment":"neutral","sentiment_score":0.021056641824543476},{"text":"Yeah.","start":691.0,"end":691.32,"sentiment":"neutral","sentiment_score":-0.028718575835227966}],"sentiment":"neutral","sentiment_score":0.11104516632092948,"num_words":44,"start":638.0,"end":691.32},{"sentences":[{"text":"Yep.","start":691.32,"end":691.80005,"sentiment":"neutral","sentiment_score":0.028295297175645828},{"text":"Yep.","start":691.80005,"end":692.30005,"sentiment":"neutral","sentiment_score":0.04830789566040039},{"text":"Yeah.","start":697.085,"end":697.585,"sentiment":"neutral","sentiment_score":-0.049029622226953506},{"text":"Yeah.","start":701.005,"end":701.505,"sentiment":"neutral","sentiment_score":-0.11004012823104858},{"text":"Yep.","start":706.125,"end":706.625,"sentiment":"neutral","sentiment_score":0.05333675071597099}],"sentiment":"neutral","sentiment_score":-0.005825961381196976,"num_words":5,"start":691.32,"end":706.625},{"sentences":[{"text":"And I'd be interested to see because one of the What I missed that.","start":724.685,"end":742.23,"sentiment":"neutral","sentiment_score":-0.010277370789221354},{"text":"Say that again.","start":742.23,"end":743.13,"sentiment":"neutral","sentiment_score":-0.046299109856287636},{"text":"If if what?","start":743.91,"end":744.63,"sentiment":"neutral","sentiment_score":-0.027536215260624886},{"text":"Sorry.","start":744.63,"end":745.13,"sentiment":"neutral","sentiment_score":-0.05650412291288376},{"text":"Yeah.","start":766.66,"end":767.16,"sentiment":"neutral","sentiment_score":-0.0023875869810581207}],"sentiment":"neutral","sentiment_score":-0.01928549437698993,"num_words":22,"start":724.685,"end":767.16},{"sentences":[{"text":"Yeah.","start":767.3,"end":767.69995,"sentiment":"neutral","sentiment_score":0.008712871000170708},{"text":"Yeah.","start":767.69995,"end":768.19995,"sentiment":"neutral","sentiment_score":0.01849144697189331},{"text":"What else are we gonna say?","start":768.89996,"end":769.86,"sentiment":"neutral","sentiment_score":-0.015584533723692099},{"text":"And can you have a look?","start":769.86,"end":770.89996,"sentiment":"neutral","sentiment_score":0.012045564440389475},{"text":"So I don't know if it's a policy that I've got with you guys or if it's the one before I was with you guys.","start":770.89996,"end":775.06,"sentiment":"neutral","sentiment_score":-0.10616770461201668}],"sentiment":"neutral","sentiment_score":-0.06790313110328637,"num_words":39,"start":767.3,"end":775.06},{"sentences":[{"text":"But I know, like, you know how every year they update the policy terms and conditions and stuff.","start":775.06,"end":780.03503,"sentiment":"neutral","sentiment_score":-0.005171364173293114},{"text":"Like, I noticed one of them said, you know, we don't cover arthritis or I don't know if they did rheumatoid or osteo, but, I mean, I guess, like, if something happens to your hand and you're not covered, what does that mean?","start":780.03503,"end":792.51,"sentiment":"neutral","sentiment_score":-0.23389567356816557},{"text":"Like, do they turn around like, one of the policies I had is, like, okay.","start":792.51,"end":795.63,"sentiment":"neutral","sentiment_score":-0.25479591290156045},{"text":"We don't cover arthritis.","start":795.63,"end":797.57,"sentiment":"neutral","sentiment_score":-0.26333287358283997},{"text":"Well, do you know what I mean?","start":797.70996,"end":798.99,"sentiment":"neutral","sentiment_score":-0.19801579202924455}],"sentiment":"neutral","sentiment_score":-0.18864343966218247,"num_words":87,"start":775.06,"end":798.99},{"sentences":[{"text":"Any like, which is anyone over the age of 30 will have arthritis or degeneration if you x-ray them.","start":798.99,"end":804.75,"sentiment":"neutral","sentiment_score":-0.2403488653270822},{"text":"Right?","start":804.75,"end":805.25,"sentiment":"neutral","sentiment_score":-0.09067340940237044},{"text":"But it was it was kind of like, so does that mean if I have degeneration in my hand, which which anyone will over the age of 30 pretty much if you x-ray them, that it's like, oh, well, we're not gonna cover you now.","start":805.52496,"end":816.245,"sentiment":"neutral","sentiment_score":-0.29612810611724855},{"text":"Like, I'd just be interested to know what they're just because one of the policies I had, they changed it.","start":816.245,"end":820.245,"sentiment":"neutral","sentiment_score":-0.17972465232014656},{"text":"So so it's like it'd be just be interesting to bring around that because, you know, like, say I hurt my knee skiing and then can't stand or something.","start":820.245,"end":832.30005,"sentiment":"neutral","sentiment_score":-0.23751515355603448}],"sentiment":"neutral","sentiment_score":-0.24969736074930743,"num_words":114,"start":798.99,"end":832.30005},{"sentences":[{"text":"I don't ski, actually.","start":832.30005,"end":833.34,"sentiment":"neutral","sentiment_score":-0.2884786054491997},{"text":"But, anyway, can't stand and then, you know, break my knee, but then it's painful.","start":833.34,"end":836.835,"sentiment":"negative","sentiment_score":-0.3804794450600942},{"text":"But then they could go, oh, well, you can't come back to work because of arthritis, and arthritis isn't covered.","start":836.835,"end":841.31506,"sentiment":"negative","sentiment_score":-0.4122535973787308},{"text":"Do you know what I mean?","start":841.31506,"end":841.875,"sentiment":"neutral","sentiment_score":-0.24126269419987997},{"text":"There will be arthritis in my knees.","start":841.875,"end":843.395,"sentiment":"neutral","sentiment_score":-0.3295897905315672}],"sentiment":"negative","sentiment_score":-0.3627092835421746,"num_words":52,"start":832.30005,"end":843.395},{"sentences":[{"text":"Do you know what I mean?","start":843.395,"end":844.195,"sentiment":"neutral","sentiment_score":-0.17247664680083594},{"text":"Like like and that's how that's how a lot of, like, work cover claims, they say, doctors, specialists, orthopedic surgeons, this is how they get you off work cover.","start":844.195,"end":853.45996,"sentiment":"negative","sentiment_score":-0.3350242454687069},{"text":"They say, I feel that the work related component of the exacerbation has now settled down, and any residual problems are a result of underlying degenerative change, which means it's because of arthritis.","start":853.45996,"end":863.34503,"sentiment":"negative","sentiment_score":-0.35915909414038516},{"text":"You're not covered for arthritis, so you're not covered.","start":863.34503,"end":865.34503,"sentiment":"neutral","sentiment_score":-0.2828704102171792},{"text":"Like, I just the the wording, which, basically, they can say to anyone pretty much over 30 about anything, they're gonna have arthritis.","start":865.34503,"end":873.905,"sentiment":"neutral","sentiment_score":-0.1866761805570644}],"sentiment":"neutral","sentiment_score":-0.2944219895079732,"num_words":100,"start":843.395,"end":873.905},{"sentences":[{"text":"So I'd just be interested to know the wording around that as well.","start":873.905,"end":877.82,"sentiment":"neutral","sentiment_score":-0.03659001336647914},{"text":"Do you know what I mean?","start":877.82,"end":879.04004,"sentiment":"neutral","sentiment_score":-0.15791633476813635},{"text":"Like I said, this particular thing had nothing to do with that.","start":879.34,"end":881.34,"sentiment":"neutral","sentiment_score":-0.2528477956851323},{"text":"It was a a tenant thing anyway.","start":881.34,"end":883.02,"sentiment":"neutral","sentiment_score":-0.22575301570551737},{"text":"But, you know, that kind of leaves things open because if you it means if you have any degeneration, which everyone will, that that was an exclusion in one of the policies.","start":883.02,"end":893.955,"sentiment":"negative","sentiment_score":-0.43282120302319527}],"sentiment":"neutral","sentiment_score":-0.2841127333896501,"num_words":70,"start":873.905,"end":893.955},{"sentences":[{"text":"So yeah.","start":894.09503,"end":895.635,"sentiment":"neutral","sentiment_score":-0.07612882927060127},{"text":"So that was I I just it would just be interesting to see their their wording around that because that basically gets them out of anything.","start":896.255,"end":902.195,"sentiment":"neutral","sentiment_score":-0.03463996688906963},{"text":"Yep.","start":918.04004,"end":918.54004,"sentiment":"neutral","sentiment_score":-0.008457399904727936},{"text":"Yeah.","start":965.49,"end":965.73004,"sentiment":"neutral","sentiment_score":-0.07999038696289062},{"text":"And and so and so if but if it was like I couldn't go back to work because of arthritis for in like like arthritis can underlie everything, right, as well.","start":965.73004,"end":980.83496,"sentiment":"neutral","sentiment_score":-0.27844156204692777}],"sentiment":"neutral","sentiment_score":-0.16021365586851463,"num_words":61,"start":894.09503,"end":980.83496},{"sentences":[{"text":"But if that was part of the issue, like, as in like like, put it this way, they could say, well, you've got underlying, you know, arthritis, and that's why you're still in pain.","start":980.83496,"end":989.94995,"sentiment":"neutral","sentiment_score":-0.2471893657656277},{"text":"And if you didn't have that, you wouldn't be back to work, and arthritis is an exclusion.","start":989.94995,"end":993.73,"sentiment":"negative","sentiment_score":-0.3483511428622639},{"text":"Like, do you know what I mean?","start":993.87,"end":995.47,"sentiment":"neutral","sentiment_score":-0.20156006940773555},{"text":"Like, I'd just be interested to know that that's not, yeah, in in their policy or something that's not covered.","start":995.47,"end":1002.285,"sentiment":"neutral","sentiment_score":-0.1845727577805519},{"text":"But, yeah, it's just just worth having a look at that just just to make sure because that was, yeah, what came up on one of the documents.","start":1002.285,"end":1008.925,"sentiment":"neutral","sentiment_score":-0.024157167146248475}],"sentiment":"neutral","sentiment_score":-0.18967154892688654,"num_words":106,"start":980.83496,"end":1008.925},{"sentences":[{"text":"So so but, like, on I don't think it was this I don't think it was this policy.","start":1008.925,"end":1013.485,"sentiment":"neutral","sentiment_score":-0.21720586137639153},{"text":"I don't think it was these guys.","start":1013.485,"end":1014.765,"sentiment":"neutral","sentiment_score":-0.24258714062826975},{"text":"I can't remember which company.","start":1014.765,"end":1016.19,"sentiment":"neutral","sentiment_score":-0.14981997311115264},{"text":"I think it might have been the company before you, but but yeah.","start":1016.19,"end":1019.89,"sentiment":"neutral","sentiment_score":-0.10921548077693352},{"text":"Anyway, this is something worth having a look at as well because that is how work cover gets everyone off work cover.","start":1020.27,"end":1028.13,"sentiment":"neutral","sentiment_score":-0.07932232117111032}],"sentiment":"neutral","sentiment_score":-0.14648934877835787,"num_words":65,"start":1008.925,"end":1028.13},{"sentences":[{"text":"So, anyway, that's just that's just probably the only other thing.","start":1046.2001,"end":1049.18,"sentiment":"neutral","sentiment_score":-0.14897102185271002},{"text":"Yeah.","start":1065.235,"end":1065.735,"sentiment":"neutral","sentiment_score":-0.11634936928749084},{"text":"And so is this policy just based on my doctor's reports?","start":1078.51,"end":1081.9701,"sentiment":"neutral","sentiment_score":-0.06376091204583645},{"text":"Right.","start":1084.645,"end":1084.885,"sentiment":"neutral","sentiment_score":0.1013021245598793},{"text":"Okay.","start":1084.885,"end":1085.125,"sentiment":"neutral","sentiment_score":0.13310928642749786}],"sentiment":"neutral","sentiment_score":-0.088879569247365,"num_words":25,"start":1046.2001,"end":1085.125},{"sentences":[{"text":"Yeah.","start":1085.125,"end":1085.3651,"sentiment":"neutral","sentiment_score":0.2232920527458191},{"text":"So that's good.","start":1085.3651,"end":1086.005,"sentiment":"positive","sentiment_score":0.4461792508761088},{"text":"Because that's that's what happens with WorkCover.","start":1086.005,"end":1087.4451,"sentiment":"neutral","sentiment_score":0.10634874658925193},{"text":"They always send you to a so called independent examiner who's not independent.","start":1087.4451,"end":1091.385,"sentiment":"neutral","sentiment_score":-0.03831060116107647},{"text":"It's like, you know, a knee orthopedic surgeon for a back condition, you know what I mean, who is still an orthopedic surgeon, but he doesn't do backs all the time, and he'll make a comment about someone's back and stuff.","start":1091.525,"end":1102.01,"sentiment":"neutral","sentiment_score":-0.10014077693950839}],"sentiment":"neutral","sentiment_score":-0.03534674827869122,"num_words":65,"start":1085.125,"end":1102.01},{"sentences":[{"text":"You know?","start":1102.01,"end":1102.33,"sentiment":"neutral","sentiment_score":-0.05295582301914692},{"text":"My clients will research it and go, oh, look.","start":1102.33,"end":1105.2899,"sentiment":"neutral","sentiment_score":-0.06167943071987894},{"text":"You know?","start":1105.2899,"end":1105.61,"sentiment":"neutral","sentiment_score":-0.051527831703424454},{"text":"He's not even a knee got a back guy.","start":1105.61,"end":1107.9299,"sentiment":"neutral","sentiment_score":-0.17864973346392313},{"text":"He's a knee surgeon.","start":1107.9299,"end":1108.97,"sentiment":"neutral","sentiment_score":-0.1074892021715641}],"sentiment":"neutral","sentiment_score":-0.1077648690686776,"num_words":26,"start":1102.01,"end":1108.97},{"sentences":[{"text":"You know?","start":1108.97,"end":1109.535,"sentiment":"neutral","sentiment_score":-0.10366733744740486},{"text":"But, again, they're not operating.","start":1109.6951,"end":1110.8151,"sentiment":"neutral","sentiment_score":-0.19534833133220672},{"text":"They're just writing the report, and the report pretty much comes back all the time saying exactly what I said every time.","start":1110.8151,"end":1116.0951,"sentiment":"neutral","sentiment_score":-0.24816602671688254},{"text":"Like, the GP that I work with go, you even got the wording right.","start":1116.0951,"end":1118.5751,"sentiment":"neutral","sentiment_score":-0.12676173076033592},{"text":"And I said, I don't know.","start":1118.5751,"end":1119.7151,"sentiment":"neutral","sentiment_score":-0.16027949253718057}],"sentiment":"neutral","sentiment_score":-0.19143000214683767,"num_words":49,"start":1108.97,"end":1119.7151},{"sentences":[{"text":"So Yeah.","start":1122.255,"end":1156.7,"sentiment":"neutral","sentiment_score":0.10712643899023533},{"text":"That's good.","start":1156.7,"end":1157.26,"sentiment":"positive","sentiment_score":0.3879910558462143},{"text":"I guess that's what what I wanna know.","start":1157.26,"end":1158.7,"sentiment":"neutral","sentiment_score":0.14288739953190088},{"text":"Yeah.","start":1158.7,"end":1158.94,"sentiment":"neutral","sentiment_score":-0.04371099919080734},{"text":"How are these companies paying out?","start":1158.94,"end":1160.2999,"sentiment":"neutral","sentiment_score":-0.25625696529944736}],"sentiment":"neutral","sentiment_score":0.029056915523190247,"num_words":19,"start":1122.255,"end":1160.2999},{"sentences":[{"text":"Because that's the thing.","start":1160.2999,"end":1161.02,"sentiment":"negative","sentiment_score":-0.35797811299562454},{"text":"There's no point.","start":1161.02,"end":1161.795,"sentiment":"negative","sentiment_score":-0.6372925639152527},{"text":"Like, when I had the Commonwealth Bank wanting me to do it, and they were trying to get all these definitions and saying, what was your last visit, sir, and what was it for?","start":1162.035,"end":1168.675,"sentiment":"neutral","sentiment_score":-0.3231566732420641},{"text":"I mean, I know doctors generally talk about two or three things that aren't necessarily write great notes.","start":1168.675,"end":1173.0751,"sentiment":"neutral","sentiment_score":-0.3189516183402803},{"text":"And then they've come back and said, when we asked you this, you said this, and this was just trying to get me to get a quote.","start":1173.0751,"end":1177.9701,"sentiment":"negative","sentiment_score":-0.35759545145211397}],"sentiment":"negative","sentiment_score":-0.3456665506196577,"num_words":86,"start":1160.2999,"end":1177.9701},{"sentences":[{"text":"I said, look.","start":1177.9701,"end":1178.6901,"sentiment":"negative","sentiment_score":-0.5003319879372915},{"text":"I feel like you're already making a claim against me before I've even made a claim, so I'm really not interested in taking up your policy.","start":1178.6901,"end":1184.8501,"sentiment":"negative","sentiment_score":-0.7870769179784335},{"text":"I've already got cover.","start":1184.8501,"end":1186.0701,"sentiment":"negative","sentiment_score":-0.6343732625246048},{"text":"You know?","start":1187.375,"end":1187.855,"sentiment":"negative","sentiment_score":-0.44234634935855865},{"text":"So, yeah, I I think they were just already trying to make a claim against me before I even did it.","start":1187.855,"end":1192.735,"sentiment":"negative","sentiment_score":-0.42719232255504247}],"sentiment":"negative","sentiment_score":-0.6135396491736174,"num_words":56,"start":1177.9701,"end":1192.735},{"sentences":[{"text":"So I'm not gonna be paying you money for insurance when I'm not gonna be covered.","start":1192.735,"end":1196.835,"sentiment":"negative","sentiment_score":-0.6189588326960802},{"text":"So yeah.","start":1198.095,"end":1199.085,"sentiment":"neutral","sentiment_score":-0.18186984211206436},{"text":"Yep.","start":1209.12,"end":1209.62,"sentiment":"neutral","sentiment_score":-0.04980149865150452},{"text":"Yep.","start":1217.385,"end":1217.885,"sentiment":"neutral","sentiment_score":-0.04946083948016167},{"text":"Yeah.","start":1231.36,"end":1231.76,"sentiment":"neutral","sentiment_score":-0.011572863906621931}],"sentiment":"negative","sentiment_score":-0.4941864861618905,"num_words":21,"start":1192.735,"end":1231.76},{"sentences":[{"text":"Yeah.","start":1231.76,"end":1232.24,"sentiment":"neutral","sentiment_score":-0.00613676942884922},{"text":"Yeah.","start":1232.24,"end":1232.48,"sentiment":"neutral","sentiment_score":0.005332788452506065},{"text":"Yeah.","start":1232.48,"end":1232.98,"sentiment":"neutral","sentiment_score":0.013226475566625597},{"text":"Yep.","start":1233.28,"end":1233.6,"sentiment":"neutral","sentiment_score":0.018994787707924843},{"text":"Yep.","start":1233.6,"end":1234.0,"sentiment":"neutral","sentiment_score":0.013112550601363182}],"sentiment":"neutral","sentiment_score":0.008905966579914094,"num_words":5,"start":1231.76,"end":1234.0},{"sentences":[{"text":"And then it would be, like, most likely TPD if I was still off work or something.","start":1234.0,"end":1238.02,"sentiment":"neutral","sentiment_score":-0.06844070948222104},{"text":"And the TPD and the and the TPD and the income protection, they only go to 65, don't they?","start":1240.115,"end":1247.795,"sentiment":"neutral","sentiment_score":-0.01015466762060226},{"text":"Is that right?","start":1247.795,"end":1248.775,"sentiment":"neutral","sentiment_score":0.0009242656330267583},{"text":"So what's that?","start":1280.465,"end":1281.365,"sentiment":"neutral","sentiment_score":-0.04956613853573799},{"text":"'13 years.","start":1281.4249,"end":1282.8049,"sentiment":"neutral","sentiment_score":-0.04074998199939728}],"sentiment":"neutral","sentiment_score":-0.03599673474309384,"num_words":44,"start":1234.0,"end":1282.8049},{"sentences":[{"text":"'20 what what year?","start":1285.64,"end":1287.0,"sentiment":"neutral","sentiment_score":-0.0406729644164443},{"text":"Sorry.","start":1287.0,"end":1287.4,"sentiment":"neutral","sentiment_score":-0.0609263963997364},{"text":"'20 what?","start":1287.4,"end":1288.22,"sentiment":"neutral","sentiment_score":-0.0366811603307724},{"text":"'30 '9.","start":1288.76,"end":1289.58,"sentiment":"neutral","sentiment_score":-0.022540422156453133},{"text":"Thirteen years, I'll be sixty four.","start":1292.92,"end":1295.0,"sentiment":"neutral","sentiment_score":-0.119259146352609}],"sentiment":"neutral","sentiment_score":-0.07050775314370791,"num_words":15,"start":1285.64,"end":1295.0},{"sentences":[{"text":"So I'll be 64.","start":1295.0,"end":1296.38,"sentiment":"neutral","sentiment_score":-0.04712741542607546},{"text":"Yeah.","start":1297.365,"end":1297.605,"sentiment":"neutral","sentiment_score":-0.0012949258089065552},{"text":"Okay.","start":1297.605,"end":1298.105,"sentiment":"neutral","sentiment_score":-0.0022042039781808853},{"text":"So till I'm 60 '4, basically.","start":1298.165,"end":1299.945,"sentiment":"neutral","sentiment_score":-0.001753309431175391},{"text":"Yep.","start":1300.245,"end":1300.745,"sentiment":"neutral","sentiment_score":0.06456585228443146}],"sentiment":"neutral","sentiment_score":-0.010612522753385397,"num_words":13,"start":1295.0,"end":1300.745},{"sentences":[{"text":"Yeah.","start":1302.245,"end":1302.565,"sentiment":"neutral","sentiment_score":0.04087649285793304},{"text":"Yeah.","start":1302.565,"end":1302.725,"sentiment":"neutral","sentiment_score":0.03597091883420944},{"text":"I'm '61 now.","start":1302.725,"end":1303.765,"sentiment":"neutral","sentiment_score":0.030498284225662548},{"text":"Yeah.","start":1303.765,"end":1304.245,"sentiment":"neutral","sentiment_score":0.035755861550569534},{"text":"So I'll be '64.","start":1304.245,"end":1305.605,"sentiment":"neutral","sentiment_score":0.029189123772084713}],"sentiment":"neutral","sentiment_score":0.03208546210080385,"num_words":10,"start":1302.245,"end":1305.605},{"sentences":[{"text":"Right.","start":1305.605,"end":1305.925,"sentiment":"neutral","sentiment_score":0.046261176466941833},{"text":"So it only covers me, so anything after that.","start":1305.925,"end":1308.345,"sentiment":"neutral","sentiment_score":-0.02307726339333587},{"text":"What year what sorry.","start":1308.405,"end":1309.605,"sentiment":"neutral","sentiment_score":-0.14186798222362995},{"text":"What month?","start":1309.605,"end":1310.265,"sentiment":"neutral","sentiment_score":-0.040575042366981506},{"text":"'20 what month?","start":1310.725,"end":1311.765,"sentiment":"neutral","sentiment_score":-0.012687178328633308}],"sentiment":"neutral","sentiment_score":-0.044637775930919145,"num_words":19,"start":1305.605,"end":1311.765},{"sentences":[{"text":"'29?","start":1311.765,"end":1312.585,"sentiment":"neutral","sentiment_score":-0.011276300065219402},{"text":"Oh, okay.","start":1315.16,"end":1315.64,"sentiment":"neutral","sentiment_score":0.004715483635663986},{"text":"So the '29.","start":1315.64,"end":1316.76,"sentiment":"neutral","sentiment_score":-0.0014657397599269946},{"text":"Yeah.","start":1316.76,"end":1317.16,"sentiment":"neutral","sentiment_score":0.010955043137073517},{"text":"So we yeah.","start":1317.16,"end":1318.4401,"sentiment":"neutral","sentiment_score":0.011724999484916529}],"sentiment":"neutral","sentiment_score":0.003988748951815069,"num_words":10,"start":1311.765,"end":1318.4401},{"sentences":[{"text":"'60 '4.","start":1318.4401,"end":1319.26,"sentiment":"neutral","sentiment_score":0.005510780960321426},{"text":"Yep.","start":1319.4801,"end":1319.9601,"sentiment":"neutral","sentiment_score":0.014051585458219051},{"text":"Going on to '65.","start":1319.9601,"end":1321.4801,"sentiment":"neutral","sentiment_score":0.007659960770979524},{"text":"Yep.","start":1321.4801,"end":1321.9601,"sentiment":"neutral","sentiment_score":0.043345920741558075},{"text":"Okay.","start":1321.9601,"end":1322.4601,"sentiment":"neutral","sentiment_score":0.07892698794603348}],"sentiment":"neutral","sentiment_score":0.01977621101670795,"num_words":9,"start":1318.4401,"end":1322.4601},{"sentences":[{"text":"Yep.","start":1322.68,"end":1323.18,"sentiment":"neutral","sentiment_score":0.13416728377342224},{"text":"Yeah.","start":1323.9601,"end":1324.4601,"sentiment":"positive","sentiment_score":0.3339610993862152},{"text":"That sounds good.","start":1324.68,"end":1325.8201,"sentiment":"positive","sentiment_score":0.6204842527707418},{"text":"Yeah.","start":1335.825,"end":1336.325,"sentiment":"neutral","sentiment_score":-0.11153867840766908},{"text":"Yeah.","start":1342.53,"end":1343.01,"sentiment":"neutral","sentiment_score":-0.07767249643802643}],"sentiment":"neutral","sentiment_score":0.3057671380894525,"num_words":7,"start":1322.68,"end":1343.01},{"sentences":[{"text":"Yeah.","start":1343.01,"end":1343.17,"sentiment":"neutral","sentiment_score":-0.07042865455150604},{"text":"Yeah.","start":1343.17,"end":1343.67,"sentiment":"neutral","sentiment_score":-0.07886770367622375},{"text":"Yeah.","start":1349.25,"end":1349.75,"sentiment":"neutral","sentiment_score":-0.013158895075321198},{"text":"Yeah.","start":1350.37,"end":1350.87,"sentiment":"neutral","sentiment_score":0.006926033645868301},{"text":"Yeah.","start":1351.01,"end":1351.51,"sentiment":"neutral","sentiment_score":0.019401684403419495}],"sentiment":"neutral","sentiment_score":-0.02722550705075264,"num_words":5,"start":1343.01,"end":1351.51},{"sentences":[{"text":"Yeah.","start":1351.73,"end":1351.8099,"sentiment":"neutral","sentiment_score":0.03687073290348053},{"text":"And is is Sebi still my the person who does the trades and stuff on my sofa, by the way?","start":1351.8099,"end":1358.085,"sentiment":"neutral","sentiment_score":0.035918782278895375},{"text":"Is Sebi still my adviser or my?","start":1358.705,"end":1360.8049,"sentiment":"neutral","sentiment_score":0.01006111382905926},{"text":"Uh-huh.","start":1373.66,"end":1374.16,"sentiment":"neutral","sentiment_score":0.010661072097718716},{"text":"Uh-huh.","start":1379.975,"end":1380.475,"sentiment":"neutral","sentiment_score":0.0020856044720858335}],"sentiment":"neutral","sentiment_score":0.027947361728486917,"num_words":30,"start":1351.73,"end":1380.475},{"sentences":[{"text":"Uh-huh.","start":1380.775,"end":1380.855,"sentiment":"neutral","sentiment_score":0.011231759563088415},{"text":"Okay.","start":1380.855,"end":1381.175,"sentiment":"neutral","sentiment_score":0.10063697397708891},{"text":"Cool.","start":1381.175,"end":1381.575,"sentiment":"neutral","sentiment_score":0.15027165412902832},{"text":"Yep.","start":1381.575,"end":1382.075,"sentiment":"neutral","sentiment_score":0.08594164252281189},{"text":"Yep.","start":1382.615,"end":1383.015,"sentiment":"neutral","sentiment_score":0.05954315513372421}],"sentiment":"neutral","sentiment_score":0.08152503706514835,"num_words":5,"start":1380.775,"end":1383.015},{"sentences":[{"text":"I was just wondering about that because things have changed hands a little bit.","start":1383.015,"end":1385.995,"sentiment":"neutral","sentiment_score":-0.04883230983146599},{"text":"Mhmm.","start":1400.5199,"end":1400.9199,"sentiment":"neutral","sentiment_score":-0.033427219837903976},{"text":"Mhmm.","start":1400.9199,"end":1401.4199,"sentiment":"neutral","sentiment_score":0.000490094069391489},{"text":"I haven't logged on, but, like, my my risk profile would still be the same.","start":1420.2101,"end":1423.81,"sentiment":"neutral","sentiment_score":-0.06770819748441378},{"text":"Like, I haven't changed anything in terms of, you know, those risk profile questions and stuff.","start":1423.81,"end":1428.4501,"sentiment":"neutral","sentiment_score":-0.04537114629056305}],"sentiment":"neutral","sentiment_score":-0.05230108013455855,"num_words":47,"start":1383.015,"end":1428.4501},{"sentences":[{"text":"But I guess, yeah, how has it gone overall in the last, like, percentage wise in the last year or year to date kind of thing?","start":1428.4501,"end":1436.7949,"sentiment":"neutral","sentiment_score":0.03234714445156547},{"text":"0, cool.","start":1440.9349,"end":1441.6749,"sentiment":"neutral","sentiment_score":0.18103472888469696},{"text":"Cool.","start":1443.575,"end":1444.075,"sentiment":"positive","sentiment_score":0.5987684726715088},{"text":"Mhmm.","start":1447.5499,"end":1448.0499,"sentiment":"neutral","sentiment_score":0.16404910385608673},{"text":"Mhmm.","start":1449.3099,"end":1449.8099,"sentiment":"neutral","sentiment_score":0.05144799500703811}],"sentiment":"neutral","sentiment_score":0.0650761543562816,"num_words":31,"start":1428.4501,"end":1449.8099},{"sentences":[{"text":"Mhmm.","start":1450.0299,"end":1450.5299,"sentiment":"neutral","sentiment_score":0.037872377783060074},{"text":"Yeah.","start":1479.1599,"end":1479.6599,"sentiment":"neutral","sentiment_score":0.002734081819653511},{"text":"Yeah.","start":1481.1599,"end":1481.6599,"sentiment":"neutral","sentiment_score":0.002755574882030487},{"text":"Yeah.","start":1487.435,"end":1487.595,"sentiment":"neutral","sentiment_score":0.19381269812583923},{"text":"I think gold's pretty good.","start":1487.595,"end":1488.635,"sentiment":"neutral","sentiment_score":0.2828920245170593}],"sentiment":"neutral","sentiment_score":0.18351498391065332,"num_words":9,"start":1450.0299,"end":1488.635},{"sentences":[{"text":"Yeah.","start":1488.635,"end":1488.875,"sentiment":"neutral","sentiment_score":0.12683038413524628},{"text":"Wanna keep the gold.","start":1488.875,"end":1489.935,"sentiment":"neutral","sentiment_score":0.1930127702653408},{"text":"That's what kind of English.","start":1491.675,"end":1492.895,"sentiment":"neutral","sentiment_score":0.08112596124410629},{"text":"Mhmm.","start":1501.355,"end":1501.855,"sentiment":"neutral","sentiment_score":0.11216792464256288},{"text":"Sounds good.","start":1511.01,"end":1511.91,"sentiment":"positive","sentiment_score":0.40771907567977905}],"sentiment":"neutral","sentiment_score":0.1717013344168663,"num_words":13,"start":1488.635,"end":1511.91},{"sentences":[{"text":"Mhmm.","start":1531.2999,"end":1531.7999,"sentiment":"neutral","sentiment_score":-0.006901330314576626},{"text":"Mhmm.","start":1534.9,"end":1535.22,"sentiment":"neutral","sentiment_score":-0.013362337835133076},{"text":"Mhmm.","start":1535.22,"end":1535.72,"sentiment":"neutral","sentiment_score":-0.026080425828695297},{"text":"I've just been paying myself the same amount.","start":1537.22,"end":1539.64,"sentiment":"neutral","sentiment_score":-0.0696275292430073},{"text":"But, I mean, I think, well, I think I've I've been getting $3.01 $9.02 a fortnight is what I take home, but then tax obviously decreased.","start":1540.02,"end":1551.1951,"sentiment":"neutral","sentiment_score":-0.06441860431088851}],"sentiment":"neutral","sentiment_score":-0.06157427135150175,"num_words":37,"start":1531.2999,"end":1551.1951},{"sentences":[{"text":"So I guess my, you know, gross salary or whatever probably went up because I just just kept paying myself the same amount every fortnight from the company.","start":1551.3351,"end":1560.64,"sentiment":"neutral","sentiment_score":-0.19302360553826606},{"text":"And then because I'm just the director of my own company.","start":1560.7,"end":1562.94,"sentiment":"neutral","sentiment_score":-0.07763730802319267},{"text":"So my company contracts to Chevron Island Physio, and then I'm an employee of my own company, so I can pay myself whatever.","start":1562.94,"end":1570.72,"sentiment":"neutral","sentiment_score":0.02055598835906257},{"text":"But I just take home three one nine to a fortnight in hand, but then I think the tax went down a 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yeah.","start":1591.6599,"end":1594.64,"sentiment":"neutral","sentiment_score":-0.0933661771317323},{"text":"Yep.","start":1596.46,"end":1596.96,"sentiment":"neutral","sentiment_score":0.00608535623177886}],"sentiment":"neutral","sentiment_score":-0.14454175616967782,"num_words":29,"start":1587.1799,"end":1596.96},{"sentences":[{"text":"Yep.","start":1597.1799,"end":1597.6799,"sentiment":"neutral","sentiment_score":0.016014453023672104},{"text":"Yep.","start":1598.5399,"end":1599.0399,"sentiment":"neutral","sentiment_score":0.01659548655152321},{"text":"So I haven't increased my fee because yeah.","start":1599.5549,"end":1606.755,"sentiment":"neutral","sentiment_score":-0.060679350746795535},{"text":"So I haven't I haven't increased my salary.","start":1606.755,"end":1608.595,"sentiment":"neutral","sentiment_score":-0.13669759407639503},{"text":"I mean, I can then just still take, you know, money out of the company if I want because I'm also the director.","start":1608.595,"end":1613.3949,"sentiment":"neutral","sentiment_score":-0.1160241644019666}],"sentiment":"neutral","sentiment_score":-0.10280393659159905,"num_words":41,"start":1597.1799,"end":1613.3949},{"sentences":[{"text":"So if the company gets more money, I can still take a drawing, you know, from that, but I haven't at this point.","start":1613.3949,"end":1619.6101,"sentiment":"neutral","sentiment_score":-0.13167843222618103},{"text":"So yeah.","start":1619.6101,"end":1620.8301,"sentiment":"neutral","sentiment_score":-0.044343842193484306},{"text":"Yep.","start":1629.29,"end":1629.79,"sentiment":"neutral","sentiment_score":-0.08387859910726547},{"text":"No.","start":1630.5701,"end":1630.965,"sentiment":"neutral","sentiment_score":-0.2559766173362732},{"text":"No.","start":1631.845,"end":1632.085,"sentiment":"neutral","sentiment_score":-0.2304355800151825}],"sentiment":"neutral","sentiment_score":-0.13169937221599476,"num_words":28,"start":1613.3949,"end":1632.085},{"sentences":[{"text":"It's just me.","start":1632.085,"end":1632.885,"sentiment":"neutral","sentiment_score":-0.16130308310190836},{"text":"Yep.","start":1632.885,"end":1633.385,"sentiment":"neutral","sentiment_score":0.015352323651313782},{"text":"Yeah.","start":1644.725,"end":1645.125,"sentiment":"neutral","sentiment_score":0.00921302940696478},{"text":"A fortnight.","start":1645.125,"end":1645.7849,"sentiment":"neutral","sentiment_score":0.004695394076406956},{"text":"Yeah.","start":1662.205,"end":1662.365,"sentiment":"neutral","sentiment_score":0.015726281329989433}],"sentiment":"neutral","sentiment_score":-0.0542783533455804,"num_words":8,"start":1632.085,"end":1662.365},{"sentences":[{"text":"Because that only go on my actual income anyway.","start":1662.365,"end":1664.705,"sentiment":"neutral","sentiment_score":-0.010151545827587446},{"text":"Yeah.","start":1687.9099,"end":1688.4099,"sentiment":"neutral","sentiment_score":0.05154064670205116},{"text":"Yeah.","start":1690.135,"end":1690.635,"sentiment":"neutral","sentiment_score":0.052431371062994},{"text":"Yeah.","start":1697.015,"end":1697.265,"sentiment":"neutral","sentiment_score":0.033863749355077744},{"text":"Yeah.","start":1697.265,"end":1697.765,"sentiment":"neutral","sentiment_score":0.040694691240787506}],"sentiment":"neutral","sentiment_score":0.006705118916355646,"num_words":13,"start":1662.365,"end":1697.765},{"sentences":[{"text":"Yeah.","start":1717.8049,"end":1718.125,"sentiment":"neutral","sentiment_score":0.06983205676078796},{"text":"Because that's all that paid me on anyway, isn't it?","start":1718.125,"end":1720.125,"sentiment":"neutral","sentiment_score":0.057039836049079896},{"text":"So in in the long run, like, even if I'm claimed for more, I'll only yeah.","start":1720.125,"end":1724.365,"sentiment":"neutral","sentiment_score":0.0208923255559057},{"text":"So look at my last six months, right, and just pay me based on that or last three months or whatever and yep.","start":1724.365,"end":1739.29,"sentiment":"neutral","sentiment_score":0.018652995724392975},{"text":"Yep.","start":1739.67,"end":1740.17,"sentiment":"neutral","sentiment_score":0.03488557040691376}],"sentiment":"neutral","sentiment_score":0.028204158788510396,"num_words":51,"start":1717.8049,"end":1740.17},{"sentences":[{"text":"I need to start giving myself a pay rise soon.","start":1741.805,"end":1744.145,"sentiment":"neutral","sentiment_score":-0.012483607232570647},{"text":"Maybe make it, like, just maybe make it maybe make it a bit over a 108.","start":1745.245,"end":1749.485,"sentiment":"neutral","sentiment_score":-0.03139623173046857},{"text":"You know, like, just if I give myself a pay rise, it'll probably be another well, not yet, but maybe maybe in six months' time, like, maybe another $100 a fortnight.","start":1749.485,"end":1759.81,"sentiment":"neutral","sentiment_score":-0.014045350118390015},{"text":"So maybe factor it to whatever that ends up being.","start":1760.1901,"end":1763.3301,"sentiment":"neutral","sentiment_score":0.02086629383265972},{"text":"Like, probably in six months' time.","start":1771.425,"end":1772.7051,"sentiment":"neutral","sentiment_score":0.006654383925100167}],"sentiment":"neutral","sentiment_score":-0.011150580709672545,"num_words":73,"start":1741.805,"end":1772.7051},{"sentences":[{"text":"But, yeah, just to allow that buffer so I'm covered.","start":1772.7051,"end":1774.865,"sentiment":"neutral","sentiment_score":0.11102244816720486},{"text":"Because given that I only get 70% of it if something happens.","start":1774.865,"end":1777.5851,"sentiment":"neutral","sentiment_score":0.031350193108664826},{"text":"Do you know what I mean?","start":1777.5851,"end":1778.645,"sentiment":"neutral","sentiment_score":-0.03453218502302965},{"text":"How would that work?","start":1782.0651,"end":1783.185,"sentiment":"neutral","sentiment_score":0.18438154458999634},{"text":"Just say I was taking $3.01 $9.02 a fortnight as wages, but because because just so the company gets more money, and then just say I decide to take drawings.","start":1783.185,"end":1794.6101,"sentiment":"neutral","sentiment_score":-0.007413070753682405}],"sentiment":"neutral","sentiment_score":0.02894141523528003,"num_words":62,"start":1772.7051,"end":1794.6101},{"sentences":[{"text":"Like, say, I draw down, you know, 4,000 a lump sum of $4,000.","start":1794.67,"end":1800.775,"sentiment":"neutral","sentiment_score":0.01630964932533411},{"text":"Okay.","start":1800.775,"end":1801.015,"sentiment":"neutral","sentiment_score":0.10133801400661469},{"text":"So so I could get a $100 a fortnight, which should be, you know, $2,500 or $2,600, say, right, in the hand.","start":1801.015,"end":1808.715,"sentiment":"neutral","sentiment_score":0.16639931703155691},{"text":"Or I could take $2,600 as drawings, like, the director's just drawings from excess in the company.","start":1809.3351,"end":1817.1,"sentiment":"neutral","sentiment_score":0.08200532132211853},{"text":"Right?","start":1817.1,"end":1817.34,"sentiment":"neutral","sentiment_score":0.06343306601047516}],"sentiment":"neutral","sentiment_score":0.10058651774845741,"num_words":54,"start":1794.67,"end":1817.34},{"sentences":[{"text":"Because I'm the director of the company.","start":1817.34,"end":1819.04,"sentiment":"neutral","sentiment_score":0.032381689974239895},{"text":"If I take $2,600 as drawings, but then I guess you're not paying PAYG on all of that or whatever, but that is still an income I've taken.","start":1819.18,"end":1828.735,"sentiment":"neutral","sentiment_score":-0.037087773105927875},{"text":"Would that $2,600 that I've taken as drawings be part of my income, and would that increase my income, or would it still only be a 108,000?","start":1828.795,"end":1837.08,"sentiment":"neutral","sentiment_score":0.025018473466237385},{"text":"So if I could taking $3.01 $9.02, a fortnight like I am now, which is a 108,000, but I take an extra $2,600 drawing, which is actually, you know, going into my income, would they still assess me as only having an income of 108,000, or would they add that $2,600 as well as my income when they look?","start":1837.08,"end":1858.5549,"sentiment":"neutral","sentiment_score":-0.06343302233302492},{"text":"Yep.","start":1861.735,"end":1862.235,"sentiment":"neutral","sentiment_score":0.06559279561042786}],"sentiment":"neutral","sentiment_score":-0.03125608652127815,"num_words":122,"start":1817.34,"end":1862.235},{"sentences":[{"text":"Yep.","start":1865.36,"end":1865.86,"sentiment":"neutral","sentiment_score":0.0512034110724926},{"text":"Yeah.","start":1868.3999,"end":1868.8999,"sentiment":"neutral","sentiment_score":0.00508895143866539},{"text":"Yeah.","start":1881.735,"end":1882.235,"sentiment":"neutral","sentiment_score":-0.281514972448349},{"text":"Well, that's something.","start":1883.015,"end":1883.735,"sentiment":"neutral","sentiment_score":-0.04769267265995344},{"text":"I did take some yeah.","start":1883.735,"end":1886.775,"sentiment":"neutral","sentiment_score":-0.018670906871557237}],"sentiment":"neutral","sentiment_score":-0.04196865111589432,"num_words":11,"start":1865.36,"end":1886.775},{"sentences":[{"text":"So that's why I'm saying but it won't really matter if I take that extra income as $2,600 lump sum or a $100 a month.","start":1886.775,"end":1894.4099,"sentiment":"neutral","sentiment_score":-0.019262237660586833},{"text":"See, the 2,600 lump sum, I'm not having to pay PAYG on.","start":1894.4099,"end":1897.85,"sentiment":"neutral","sentiment_score":0.00644414530446132},{"text":"It's just drawings.","start":1897.85,"end":1898.73,"sentiment":"neutral","sentiment_score":0.009517168005307516},{"text":"Whereas if I do a $100, you know, a fortnight, I'm having to pay PAYG and all of that on that as well.","start":1898.73,"end":1905.23,"sentiment":"neutral","sentiment_score":-0.03482049950600966},{"text":"But either way, I'm still in that with 20 six 100 in my account.","start":1906.4249,"end":1909.085,"sentiment":"neutral","sentiment_score":-0.09563880300681506}],"sentiment":"neutral","sentiment_score":-0.03266869382569929,"num_words":77,"start":1886.775,"end":1909.085},{"sentences":[{"text":"Okay.","start":1910.345,"end":1910.6649,"sentiment":"neutral","sentiment_score":0.1998405754566193},{"text":"Cool.","start":1910.6649,"end":1911.1649,"sentiment":"positive","sentiment_score":0.3571639358997345},{"text":"Yep.","start":1917.705,"end":1918.205,"sentiment":"neutral","sentiment_score":0.062415242195129395},{"text":"Yep.","start":1919.625,"end":1920.125,"sentiment":"neutral","sentiment_score":0.08080342411994934},{"text":"Yep.","start":1928.1901,"end":1928.6901,"sentiment":"neutral","sentiment_score":0.191573828458786}],"sentiment":"neutral","sentiment_score":0.1783594012260437,"num_words":5,"start":1910.345,"end":1928.6901},{"sentences":[{"text":"Yep.","start":1930.35,"end":1930.85,"sentiment":"neutral","sentiment_score":0.20999620854854584},{"text":"Yeah.","start":1934.705,"end":1935.025,"sentiment":"neutral","sentiment_score":0.1327272355556488},{"text":"Okay.","start":1935.025,"end":1935.345,"sentiment":"neutral","sentiment_score":0.15831170976161957},{"text":"Yeah.","start":1935.345,"end":1935.505,"sentiment":"neutral","sentiment_score":0.1774040460586548},{"text":"So we do need to take it up for a 108 a little bit because I'll probably be taking a few drawings and stuff down.","start":1935.505,"end":1939.825,"sentiment":"neutral","sentiment_score":0.21712113916873932}],"sentiment":"neutral","sentiment_score":0.2105678510049294,"num_words":29,"start":1930.35,"end":1939.825},{"sentences":[{"text":"I'll probably, yeah, maybe do it that way so that I just kinda don't have to pay extra super, extra p a y g, and all of that on the money.","start":1939.825,"end":1946.625,"sentiment":"neutral","sentiment_score":0.29503110387632925},{"text":"It just gives me more money in the hand without having to take as much from the company to get the money.","start":1946.625,"end":1951.68,"sentiment":"neutral","sentiment_score":0.3244450485164469},{"text":"Yep.","start":1967.125,"end":1967.625,"sentiment":"positive","sentiment_score":0.37626367807388306},{"text":"Sounds good.","start":1967.925,"end":1968.8251,"sentiment":"positive","sentiment_score":0.6522527933120728},{"text":"Look.","start":1977.4,"end":1977.64,"sentiment":"neutral","sentiment_score":-0.1532641053199768}],"sentiment":"neutral","sentiment_score":0.3124782534544928,"num_words":57,"start":1939.825,"end":1977.64},{"sentences":[{"text":"I don't have any kids.","start":1977.64,"end":1978.84,"sentiment":"neutral","sentiment_score":-0.25738921761512756},{"text":"So, you know, when I die, it's only like my cousins that are gonna get my money.","start":1978.84,"end":1984.52,"sentiment":"neutral","sentiment_score":-0.16190426577540004},{"text":"So, yeah, so I don't think oh, 900 for TPD.","start":1984.52,"end":1989.34,"sentiment":"neutral","sentiment_score":-0.09381473101675511},{"text":"Well, that'll cover my house, and I think that'll be well, if the if the TPD could die off a bit, I guess, that would be good, wouldn't it?","start":1989.4,"end":1996.845,"sentiment":"neutral","sentiment_score":0.269221760589501},{"text":"But do you think 9 hundred's enough for TPD at the moment?","start":1996.845,"end":2002.365,"sentiment":"neutral","sentiment_score":-0.01921247799570362}],"sentiment":"neutral","sentiment_score":0.03560843020167253,"num_words":73,"start":1977.64,"end":2002.365},{"sentences":[{"text":"It doesn't get you much, does it?","start":2002.365,"end":2004.0651,"sentiment":"neutral","sentiment_score":-0.15617402536528452},{"text":"Yeah.","start":2026.335,"end":2026.6549,"sentiment":"neutral","sentiment_score":0.14562778174877167},{"text":"Yeah.","start":2026.6549,"end":2026.975,"sentiment":"neutral","sentiment_score":0.13003185391426086},{"text":"Yeah.","start":2026.975,"end":2027.2949,"sentiment":"neutral","sentiment_score":0.13007673621177673},{"text":"Maybe.","start":2027.2949,"end":2027.7949,"sentiment":"neutral","sentiment_score":0.1494389921426773}],"sentiment":"neutral","sentiment_score":-0.048912983049045906,"num_words":11,"start":2002.365,"end":2027.7949},{"sentences":[{"text":"Just a little bit.","start":2028.015,"end":2028.815,"sentiment":"neutral","sentiment_score":0.12826168537139893},{"text":"Every little bit helps, isn't it?","start":2028.815,"end":2030.4349,"sentiment":"neutral","sentiment_score":0.14029163867235184},{"text":"And that So, like yeah.","start":2032.5399,"end":2039.0199,"sentiment":"neutral","sentiment_score":0.1014384776353836},{"text":"That's what I was gonna say.","start":2039.0199,"end":2039.6599,"sentiment":"neutral","sentiment_score":0.08707375079393387},{"text":"So if that goes up to a million, does the TPD and that still progressively increase every year as well with CPI to cover?","start":2039.6599,"end":2046.6399,"sentiment":"neutral","sentiment_score":0.10627092995370428}],"sentiment":"neutral","sentiment_score":0.10966519522998068,"num_words":45,"start":2028.015,"end":2046.6399},{"sentences":[{"text":"Like, if we're saying we're covering for a million now, will that automatically go up to one point o five next year kind of thing, or would that just stay at a million, like, the figure that we pick for the TPD?","start":2046.825,"end":2057.005,"sentiment":"neutral","sentiment_score":0.0846321586342085},{"text":"Mhmm.","start":2061.945,"end":2062.445,"sentiment":"neutral","sentiment_score":0.024172689765691757},{"text":"Yeah.","start":2081.015,"end":2081.255,"sentiment":"neutral","sentiment_score":0.011890316382050514},{"text":"I guess so it just be still the flat million every year kind of thing?","start":2081.255,"end":2087.595,"sentiment":"neutral","sentiment_score":-0.02592154952387015},{"text":"Yeah.","start":2091.24,"end":2091.74,"sentiment":"neutral","sentiment_score":0.10020074993371964}],"sentiment":"neutral","sentiment_score":0.055033186264336106,"num_words":60,"start":2046.825,"end":2091.74},{"sentences":[{"text":"Oh, look.","start":2091.8,"end":2092.28,"sentiment":"neutral","sentiment_score":0.08437710627913475},{"text":"I mean, a million is probably enough at the moment anyway.","start":2092.28,"end":2094.4,"sentiment":"neutral","sentiment_score":0.04694677347486669},{"text":"I think, like, I I owe 430,000 on the on the house.","start":2094.4,"end":2098.44,"sentiment":"neutral","sentiment_score":0.06465335997442405},{"text":"So, you know, that would more than cover that, and then I'd have that plus my super, I guess.","start":2098.44,"end":2104.28,"sentiment":"neutral","sentiment_score":0.11736843303630226},{"text":"So yeah.","start":2104.28,"end":2105.825,"sentiment":"neutral","sentiment_score":0.11824517324566841}],"sentiment":"neutral","sentiment_score":0.0853804264055646,"num_words":46,"start":2091.8,"end":2105.825},{"sentences":[{"text":"And I'd already be getting my income protection for a while anyway.","start":2105.825,"end":2108.805,"sentiment":"neutral","sentiment_score":0.0829946817830205},{"text":"So yeah.","start":2108.865,"end":2110.325,"sentiment":"neutral","sentiment_score":0.2875339686870575},{"text":"Yeah.","start":2133.995,"end":2134.395,"sentiment":"neutral","sentiment_score":0.030618036165833473},{"text":"We've gotta get my super up.","start":2134.395,"end":2135.7751,"sentiment":"neutral","sentiment_score":0.08533355469504993},{"text":"Yeah.","start":2137.995,"end":2138.495,"sentiment":"neutral","sentiment_score":0.07800064980983734}],"sentiment":"neutral","sentiment_score":0.09961927876892415,"num_words":22,"start":2105.825,"end":2138.495},{"sentences":[{"text":"Yeah.","start":2144.635,"end":2145.135,"sentiment":"neutral","sentiment_score":0.25329023599624634},{"text":"Yeah.","start":2145.195,"end":2145.695,"sentiment":"neutral","sentiment_score":0.2280316799879074},{"text":"Yeah.","start":2148.86,"end":2149.36,"sentiment":"neutral","sentiment_score":0.2846829295158386},{"text":"Sounds good.","start":2149.5,"end":2150.32,"sentiment":"positive","sentiment_score":0.6054688990116119},{"text":"Sounds good.","start":2150.3801,"end":2151.28,"sentiment":"positive","sentiment_score":0.6176236867904663}],"sentiment":"positive","sentiment_score":0.4588842881577356,"num_words":7,"start":2144.635,"end":2151.28},{"sentences":[{"text":"No.","start":2173.75,"end":2173.9102,"sentiment":"neutral","sentiment_score":0.15896882116794586},{"text":"It's been great.","start":2173.9102,"end":2174.6301,"sentiment":"positive","sentiment_score":0.6935314337412516},{"text":"Thanks.","start":2174.6301,"end":2174.9502,"sentiment":"positive","sentiment_score":0.8215101361274719},{"text":"You guys have been really helpful.","start":2174.9502,"end":2176.33,"sentiment":"positive","sentiment_score":0.8147739768028259},{"text":"So, yeah, I appreciate it.","start":2176.3901,"end":2178.1702,"sentiment":"positive","sentiment_score":0.7580883622169494}],"sentiment":"positive","sentiment_score":0.7337599331513047,"num_words":16,"start":2173.75,"end":2178.1702},{"sentences":[{"text":"Yeah.","start":2183.03,"end":2183.53,"sentiment":"neutral","sentiment_score":0.18129125237464905},{"text":"Okay.","start":2188.439,"end":2188.839,"sentiment":"neutral","sentiment_score":0.32380548119544983},{"text":"Thanks for your time.","start":2188.839,"end":2189.799,"sentiment":"positive","sentiment_score":0.7088693082332611},{"text":"Have a good weekend too.","start":2189.799,"end":2191.179,"sentiment":"positive","sentiment_score":0.6662629961967468},{"text":"Bye.","start":2194.199,"end":2194.699,"sentiment":"neutral","sentiment_score":-0.06868602335453033}],"sentiment":"positive","sentiment_score":0.5502669103443623,"num_words":12,"start":2183.03,"end":2194.699}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Sally speaking.\n\nChannel 0: Good morning, Sally. It's Tommy here, senior adviser from. How are you doing?\n\nChannel 1: Hi. Good. Thanks. How are you?\n\nChannel 0: I'm doing fantastic. Happy New Year to you.\n\nChannel 1: Yeah. Happy New Year to you as well.\n\nChannel 0: Thank you. Thank you. I do apologize. I'm a bit croaky today. The whole family has come down with a flu.\n\nSo if I'm a bit hard in the throat, please forgive me.\n\nChannel 1: Yeah. I'm starting to feel a bit that way myself today.\n\nChannel 0: Totally. Totally. Sally, I'm just going through a bit of an updated chat with you from where we left off last year. Do you still have time this morning?\n\nChannel 1: Yep. Mhmm. Yep.\n\nChannel 0: Perfect. So before I jump into any personal details, I just need to confirm that you're okay for the calls to be recorded.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And usual security process, I don't think they have a client password on file, so I will need to confirm date of birth and address, please, if that's\n\nChannel 1: Yeah. '75. Have you got 14 Revholtz Drive, Benoa,\n\nChannel 0: okay.\n\nChannel 1: or have you got Southport?\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: We've\n\nChannel 1: Okay.\n\nChannel 0: got Benoit.\n\nChannel 1: Mhmm. Mhmm. Yep.\n\nChannel 0: Beautiful. Now I'm registered with our pick of adviser 1273105 just to identify myself. And if you recall, we were trying to get you own occupation TPD.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Cool. So we were basically waiting until now to make sure that we were six months symptom free from the hand just to make sure that we can get through the underwriting side of things. How's all that been? Has it been\n\nChannel 1: Yep.\n\nChannel 0: okay?\n\nChannel 1: It's good. It's been fine. But I don't know. I just get a weird feel. Like, I just still wonder if I do change if you know, the more I think about it, if they will would still kinda try and use that to get out of it down the track if I change insurers.\n\nI don't know. I still you know, because I I look at my thumbs and I kinda think, you know, that's probably the first thing to go with the physio. So\n\nChannel 0: And\n\nChannel 1: I'm\n\nChannel 0: that's amazing. You\n\nChannel 1: like\n\nChannel 0: need to do the job as well, isn't\n\nChannel 1: yeah.\n\nChannel 0: it?\n\nChannel 1: So I'm kind of I'm kind of looking thinking, well, you know, if if they see that and I change companies then, like because my friend just had a TPD claim, and he'd been with someone for twenty years. And then he changed, and, you know, because of the change and then when things happened, they were kind of the insurance company has now rejected his claim for TPD and kind of said, well whereas if he'd been with the same company the whole time, it would have been fine, but they've just turned around and said, oh, well, you know, we think that this was an issue when you came on board kind of thing.\n\nChannel 0: Yeah. It's like previous in condition kind of thing. And because it was, like, a recent change, they're looking backwards now.\n\nChannel 1: Yeah. And they're kinda saying that he didn't divulge everything or whatever. I mean, that wasn't why it changed. His financial advisers just said, you know, chain let let's change companies, but doing that is what's kind of made him not get see change companies. So I'm thinking, you know, if they can, they probably will down the track use that and just say, oh, well, you know, this is a preexisting thing.\n\nEven you know, I mean, that's how they'd try to prove it to not pay a claim. Right?\n\nChannel 0: Yeah. So to be\n\nChannel 1: Claim.\n\nChannel 0: as safe as humanly possible, what we need to do is pre assess the underwriting with regards to the head. So we know straight away\n\nChannel 1: Right?\n\nChannel 0: that Zurich is much cheaper and that's because Tower was gonna charge you $44 a month out of pocket. That's a bit too high, so we're leaning towards Zurich. When we contact Zurich this week, we're pretty much gonna ask them, can we get through for the definition that we're after without any exclusions on hand? If they do\n\nChannel 1: And and actually\n\nChannel 0: offer\n\nChannel 1: and\n\nChannel 0: an exclusion\n\nChannel 1: actually declare\n\nChannel 0: on hand\n\nChannel 1: and actually declare, like, what I had kind of been six months ago or whatever and just I slipped weirdly and got 10 you know, got tendonitis or sequiturines or whatever.\n\nChannel 0: Yes. Exactly right. Because any sort of again, they go to claims. They look at doctor's report, any mention of a preexisting issue. If it's not disclosed, they go, oh, well, I haven't paid your claim.\n\nSo through this underwriting process, we want to disclose everything upfront,\n\nChannel 1: Yep.\n\nChannel 0: make sure it can get through. If\n\nChannel 1: Yep.\n\nChannel 0: it's gonna\n\nChannel 1: Yep.\n\nChannel 0: look like if it's gonna be like a hand exclusion where they go for that one hand, we're not gonna pay anything related to hand in general, not just thumb. Because sometimes they get very specific. Sometimes they get very broad. Like, in a thumb issue and they exclude your entire head. If that comes through in their operating exclusion, the the decision matrix basically is, do we want the owner occupation definition more than the ability to claim on the head?\n\nIf\n\nChannel 1: Yeah.\n\nChannel 0: the head is gonna be the main thing because that's what you need for your job, then it's probably not best. For\n\nChannel 1: Yeah. Yep. Mhmm. Yep. Definitely.\n\nChannel 0: do you\n\nChannel 1: Yeah.\n\nChannel 0: agree\n\nChannel 1: I mean,\n\nChannel 0: with\n\nChannel 1: if\n\nChannel 0: that?\n\nChannel 1: I yeah. Yeah. So if they'll do it, and then if they'll say, well, that's fine. We're happy to accept that. She hasn't had any problems.\n\nShe you know, I never had any time off work with it or anything either. You know, I just I got, I think, two cortisone injections. Did I have two or three? Two or three cortisone injections at the time. So I had it's like tendinitis, so it's called dequervains, d e q u e r v a I n s.\n\nSo it's called DeQuervain, which is tendinitis. But it came it didn't come from work. It came because I slept weirdly on my hand, and then that, you know, got flared up. But I was still actually able to work with it, like, the whole time. I still did continue to work, and I'm,\n\nChannel 0: Yes.\n\nChannel 1: you know, I was actually very busy and still able to work. But yeah. So that's all settled down now and been fine. Haven't had any days off work or anything like that with it. But but, yeah, it it didn't happen from work.\n\nIt happened from sleeping weirdly. So\n\nChannel 0: Absolutely. And I made a few notes last time as well about the specifics on the hand. And the only other thing that was mentioned health wise, so what I had for the hand was at the time, so it's been around six months now, there was MOBIC for anti\n\nChannel 1: Yes.\n\nChannel 0: inflammation,\n\nChannel 1: Yep.\n\nChannel 0: cortisone injection, no time off work, and fully resolved is what I've noted\n\nChannel 1: Yep. And, yes, I'm not on Mobic or anything anymore either. So yep. And the other\n\nChannel 0: down.\n\nChannel 1: thing is, like,\n\nChannel 0: Yep.\n\nChannel 1: hormone wise, obviously, I've got, like, menopause medication and thyroid medication just because of my hormones. So have you got all those ones? Did we talk about\n\nChannel 0: Yeah.\n\nChannel 1: all those?\n\nChannel 0: Yeah. So we've got for the HRT,\n\nChannel 1: Yep.\n\nChannel 0: and then we've\n\nChannel 1: Yep.\n\nChannel 0: got hypothyroidism, medicated, and more managed.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: And that's the right one. Is it a hypo, not hyper?\n\nChannel 1: Yeah. That's right. And but I'm, like, now a hundred and sixty one centimeters, and I weigh fifty two kilograms. So that probably, you know, lets them know that it's I'm not overweight.\n\nChannel 0: Oh, yeah. Absolutely. Because I think last time we had 54. So\n\nChannel 1: Yeah.\n\nChannel 0: it's pretty\n\nChannel 1: Yeah.\n\nChannel 0: much around the same ballpark. Again, fiddle to fiddle. And that's why I do these checks upfront because part of my job is not to replace your product with something that's going to be less off. And\n\nChannel 1: Yeah.\n\nChannel 0: if your main fear is not being able to claim on something, I can't put you into something that's gonna pause that specifically because of my advice.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So updated, like, pricing wise, I think it's come out now this year $18.64 a month for the own occupation CPD. So still pretty good on the ballpark, But\n\nChannel 1: Yeah.\n\nChannel 0: I'm just double checking the income protection side of things just to make sure that doesn't shoot up because all\n\nChannel 1: Yep.\n\nChannel 0: the other policies were, like, $600 cheaper overall. So\n\nChannel 1: Mhmm.\n\nChannel 0: that would be\n\nChannel 1: Mhmm.\n\nChannel 0: pretty good. But, again, the main thing is just the the underwriting side of things. And if there's gonna be a hand exclusion, I'll just let you know straight away.\n\nChannel 1: And so yeah. So the income protection because at the moment, how much am I paying for the income protection? Do I just pay, like, a $100 out of pocket or something a year? Is that something like that? Just over a 100, I think.\n\nChannel 0: Yeah.\n\nChannel 1: It's a\n\nChannel 0: Yeah.\n\nChannel 1: lot\n\nChannel 0: So\n\nChannel 1: of it's out of my\n\nChannel 0: last\n\nChannel 1: super.\n\nChannel 0: November, it was a 161 out of pocket for the\n\nChannel 1: Yep.\n\nChannel 0: definition outside super, and then\n\nChannel 1: Yep.\n\nChannel 0: everything else was paid through the super.\n\nChannel 1: Yep. Yep.\n\nChannel 0: You've kind of got that flexi linking income protection, and what we're trying to get you is, like, flexi link TPD where most of it's paid through the super, little bit out of pocket, and you get the extra definition.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So I'll double check the quoting on the income protection because overall, life TPD income protection looks good. The TPD phone occupation looks really good. I just wanna double check that they're not gonna shoot up your out of pocket income protection to above what you paid last time. Because anytime we do a replacement, because you pay yearly, they will give you a pro rata refund anyway.\n\nChannel 1: Mhmm. Mhmm. When\n\nChannel 0: So\n\nChannel 1: when\n\nChannel 0: anything\n\nChannel 1: they do\n\nChannel 0: you've already\n\nChannel 1: own\n\nChannel 0: paid,\n\nChannel 1: up\n\nChannel 0: we'll get back.\n\nChannel 1: okay. Cool. When they do own occupation as well, like because one time when I changed banks, like, the home the Commonwealth Bank's like, oh, hey. I don't know if I told you this, but they're like, oh, do you wanna try and do insurance with us? And I already had insurance.\n\nRight? But then the the bank\n\nChannel 0: Yes.\n\nChannel 1: was saying, you know, like, ask all these different questions. And then they're saying, you know, what do you do for work? And I said, I'm a physiotherapist and Pilates instructor. Right? So then oh, no.\n\nPhysiotherapist, and I teach Pilates. And then that basically came back to me and said, so when you say, teach, like, Pilates teacher, what does that mean? How do you define that? Like, as in you know, because I I had staff as well, so I would train them and I would teach clients. And then, you know, I basically felt\n\nChannel 0: Yeah.\n\nChannel 1: like, you know, like, I want them just say my hands don't work. I mean, say with Pilates, like so I do physio and I do Pilates. But I mean, do Pilates, but I do, like, pick up weights for clients and have to move things around. So I need reasonable hand function for that. Do do you know what I mean?\n\nLike, because otherwise, they could say, well, you could still talk to people or do that. You you know what I mean? Or\n\nChannel 0: Oh,\n\nChannel 1: or does it just\n\nChannel 0: yep.\n\nChannel 1: go under the title of physiotherapist, which is which incorporates Pilates as part of part of my job? Do you know what I mean? Like, that's one, you\n\nChannel 0: Yeah.\n\nChannel 1: know,\n\nChannel 0: They\n\nChannel 1: I can\n\nChannel 0: would\n\nChannel 1: do\n\nChannel 0: I think occupation\n\nChannel 1: yes. Like\n\nChannel 0: duties wise, they're pretty good with the physiotherapist encompassing all the different things that physio could do. If if\n\nChannel 1: Yeah.\n\nChannel 0: you fall outside of the normal normal practice, Like, if you had a very niche market where all you were doing was driving out to the country and, you know, work on a mine site, teaching them Pilates where there's explosives, then they go, oh, that's a risk outside the norm. But if you're doing duties that any physio could do, then that would be encompassing that occupation\n\nChannel 1: But\n\nChannel 0: definition.\n\nChannel 1: what I'm saying is because they say, oh, well, like, say something happened to me. Well, you can still work because you can still teach Pilates even though you can't do physio. Do you do you know what I mean?\n\nChannel 0: Yeah. Oh, you'd be able to prove an income drop pretty easily. And especially when you get if you do get out of occupation, they're pretty well like oh, if you can't work and the doctor's saying you can't work,\n\nChannel 1: Yeah. Yep.\n\nChannel 0: then\n\nChannel 1: Yep.\n\nChannel 0: your income's dropping and you need income replacement, so there's your income protection. But, again,\n\nChannel 1: Yeah.\n\nChannel 0: remember, TPD is about the doctor saying you can't go back to work. So,\n\nChannel 1: Yeah.\n\nChannel 0: literally, if your hand breaks, you're like, I can't generate that income anymore.\n\nChannel 1: Yep.\n\nChannel 0: They they always do these days, like, return to work plan kind of thing. Like, oh, can you can you slowly improve the hand over time and so on? But they won't make you go and do, especially if you're self employed. They they can't make you generate income in a different way.\n\nChannel 1: And I'd be interested to see\n\nChannel 0: If\n\nChannel 1: because\n\nChannel 0: you're working\n\nChannel 1: one of the\n\nChannel 0: for a company where you're like, I was doing a bit of a white collar office work, and they're like, oh, your employee is literally telling you that you can switch into this and still earn an income. Well, then there's no income loss, if that makes sense.\n\nChannel 1: What I missed that. Say that again. If if what? Sorry.\n\nChannel 0: Company and your employer is like, oh, you can't do this job, but we're literally offering you to this job at the same pay with slightly different duties. Or the insurer is gonna say there's no income loss because you're literally switching within companies and you've accepted that. You know what I\n\nChannel 1: Yeah.\n\nChannel 0: mean?\n\nChannel 1: Yeah. Yeah. What else are we gonna say? And can you have a look? So I don't know if it's a policy that I've got with you guys or if it's the one before I was with you guys.\n\nBut I know, like, you know how every year they update the policy terms and conditions and stuff. Like, I noticed one of them said, you know, we don't cover arthritis or I don't know if they did rheumatoid or osteo, but, I mean, I guess, like, if something happens to your hand and you're not covered, what does that mean? Like, do they turn around like, one of the policies I had is, like, okay. We don't cover arthritis. Well, do you know what I mean?\n\nAny like, which is anyone over the age of 30 will have arthritis or degeneration if you x-ray them. Right? But it was it was kind of like,\n\nChannel 0: Yes.\n\nChannel 1: so does that mean if I have degeneration in my hand, which which anyone will over the age of 30 pretty much if you x-ray them, that it's like, oh, well, we're not gonna cover you now. Like, I'd just be interested to know what they're just because one of the policies I had, they changed it. So so it's like it'd be just\n\nChannel 0: Yeah.\n\nChannel 1: be\n\nChannel 0: Right.\n\nChannel 1: interesting to bring around that because, you know, like, say I hurt my knee skiing and then can't stand or something. I don't ski, actually. But, anyway, can't stand and then, you know, break my knee, but then it's painful. But then they could go, oh, well, you can't come back to work because of arthritis, and arthritis isn't covered. Do you know what I mean?\n\nThere will be arthritis in my knees. Do you know\n\nChannel 0: Yeah.\n\nChannel 1: what I mean? Like like\n\nChannel 0: I\n\nChannel 1: and\n\nChannel 0: getcha.\n\nChannel 1: that's how that's\n\nChannel 0: Yep.\n\nChannel 1: how a lot of, like, work cover claims, they say, doctors, specialists, orthopedic surgeons, this is how they get you off work cover. They say, I feel that the work related component of the exacerbation has now settled down, and any residual problems are a result of underlying degenerative change, which means it's because of arthritis. You're not\n\nChannel 0: Oh,\n\nChannel 1: covered\n\nChannel 0: yep.\n\nChannel 1: for arthritis, so you're not covered. Like, I just the the wording, which, basically, they can say to anyone pretty much over 30 about anything, they're gonna have arthritis. So I'd just be interested to know the wording around that as well. Do you know what I mean? Like I said, this particular thing had nothing to do with that.\n\nIt was a a tenant thing anyway. But, you know, that kind of leaves things open because if you it means if you have any degeneration, which everyone will, that that was an exclusion in one of the policies. So yeah. So that was I I just it would just be interesting\n\nChannel 0: Yeah. Right.\n\nChannel 1: to see their their wording around that because that basically gets them out of anything.\n\nChannel 0: So yeah. A 100%. So when I go through, like, the TAO PDF and Azure PDF as an example, I know that they can't exclude conditions or body parts unless it's a preexisting.\n\nChannel 1: Yep.\n\nChannel 0: So that's where they go, oh, you know, you had a knee reconstruction, so therefore specific exclusion written on the policy for that body part of condition. Outside of that, the claim definitions, they're pretty kind of clear cut with a doctor. So what we were saying last year between any occupation and own occupation is if your doctor says you can't work any or your specific occupations that you're reasonably suited to with education, training, and experience, then here's your lump sum. Income protection is literally doctor says you can't go back to work for longer than the waiting period. It's very, very kind of broad and very claimable.\n\nChannel 1: Yeah.\n\nChannel 0: There's\n\nChannel 1: And\n\nChannel 0: no\n\nChannel 1: and so\n\nChannel 0: they\n\nChannel 1: and\n\nChannel 0: can't\n\nChannel 1: so\n\nChannel 0: write\n\nChannel 1: if\n\nChannel 0: in exclusions to conditions unless it's been in the underlying process.\n\nChannel 1: but if it was like I couldn't go back to work because of arthritis for in like like arthritis can underlie everything, right, as well. But if that was part of the issue, like, as in like like, put it this way, they could say, well, you've got underlying, you know, arthritis, and that's why you're still in pain. And if you didn't have that, you wouldn't be back to work, and arthritis is an exclusion. Like, do you know what I mean? Like, I'd just be interested to know that that's not, yeah, in in their policy or something that's not covered.\n\nBut, yeah, it's just just worth having a look at that just just to make sure because that was, yeah, what came up on one of the documents. So so but, like, on I\n\nChannel 0: A\n\nChannel 1: don't\n\nChannel 0: 100\n\nChannel 1: think\n\nChannel 0: percent.\n\nChannel 1: it was this I don't think it was this policy. I don't think it was these guys. I can't remember which company. I think it might have been the company before you, but but yeah. Anyway, this is something worth having a look at as well because that is how work cover gets everyone off work cover.\n\nChannel 0: And look through through our employer, like, I've I've seen the way WorkCover operates these days, and you're exactly right. Like, they have so many ways of getting people off work cover. It's just not funny at that point.\n\nChannel 1: So, anyway,\n\nChannel 0: Mhmm.\n\nChannel 1: that's just that's\n\nChannel 0: Whereas\n\nChannel 1: just probably the\n\nChannel 0: what\n\nChannel 1: only\n\nChannel 0: I\n\nChannel 1: other thing.\n\nChannel 0: experienced with with, like, income protection claims, I've seen some really old funds have this juking out between the insurance doctor and the client's doctor, and that can get a little bit messy. But\n\nChannel 1: Yeah.\n\nChannel 0: anytime you've got a policy work which was just based on what your doctor's reports are, I think that's a lot safer. Because the moment they can try and swing in another professional, that's where it gets murky.\n\nChannel 1: And so is this policy just based on my doctor's reports?\n\nChannel 0: Yes. Yeah.\n\nChannel 1: Right. Okay. Yeah. So that's good. Because that's that's what happens with WorkCover.\n\nThey always send you to a so called independent examiner who's not independent. It's like, you know, a knee orthopedic surgeon for a back condition, you know what I mean, who is still an orthopedic surgeon, but he doesn't do backs all the time, and he'll make a comment about someone's back and stuff. You know? My clients will research it and go, oh, look. You know?\n\nHe's not even a knee got a back guy. He's a knee surgeon. You know? But, again, they're not operating. They're just writing the report, and the report pretty much comes back all the time saying exactly what I said every time.\n\nLike, the GP that I work with go, you even got the wording right. And I said, I don't know.\n\nChannel 0: Well, funnily\n\nChannel 1: So\n\nChannel 0: enough, so I've been doing a lot of, like, TPD claims advice recently where people get paid out 700,000, and we're telling them how to make it last and all that kind of thing. And we had clients who were underwritten under an occupation that was really good. It was like office space, university degree. It was like white collar, really high rated. And they actually moved through another company doing a manual job, and they were still paid out based on the duties they were doing at the time.\n\nChannel 1: Yeah. That's good. I guess that's what what I wanna know. Yeah. How are these companies paying out?\n\nBecause that's the thing. There's no point. Like, when I had the Commonwealth Bank wanting me to do it, and they were trying to get all these definitions and saying, what was your last visit, sir, and what was it for? I mean, I know doctors generally talk about two or three things that aren't necessarily write great notes. And then they've come back and said, when we asked you this, you said this, and\n\nChannel 0: Yes.\n\nChannel 1: this was just trying to get me to get a quote. I said, look. I feel like you're already making a claim against me before I've even made a claim, so I'm really not interested in taking up your policy. I've already got cover. You know?\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, I I think they were just already trying to make a claim against me before I even did it. So I'm not gonna be paying you money for insurance when I'm not gonna be covered. So\n\nChannel 0: And I think\n\nChannel 1: yeah.\n\nChannel 0: the one you've gotta watch out for is exactly what you were saying when it comes to work cover is a target area for insurers is really long term income protection claims\n\nChannel 1: Yep.\n\nChannel 0: where people have policies that pay to the age of 65, and they've got people who are claiming for thirty years. And they're\n\nChannel 1: Yep.\n\nChannel 0: going, well, at some point, they wanna add things to their new policy saying that you should have return to work plans and actually try and an actual payment of five years or something like that,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I believe.\n\nChannel 1: Yeah. Yeah. Yep. Yep. And then it would be, like, most likely TPD if I was still off work or something.\n\nChannel 0: Yeah. Exactly.\n\nChannel 1: And\n\nChannel 0: Right.\n\nChannel 1: the\n\nChannel 0: And\n\nChannel 1: TPD\n\nChannel 0: then it goes\n\nChannel 1: and\n\nChannel 0: to the lump\n\nChannel 1: the\n\nChannel 0: sum\n\nChannel 1: and the TPD and the income protection, they only go to 65, don't they? Is that right?\n\nChannel 0: You can have they can expire well into the some of them up to the age of 99, but you never hold a policy for that long because the price skyrockets up to $2,030,000 dollars a year. So it's just not tenable to have that. The income protection you've got is a benefit period of five years, and the CPD that has an expiry date, I'll give it to you now, of, yeah, 2039.\n\nChannel 1: So what's that?\n\nChannel 0: So\n\nChannel 1: '13\n\nChannel 0: it's '65.\n\nChannel 1: years. '20 what what year? Sorry. '20 what? '30\n\nChannel 0: So\n\nChannel 1: '9.\n\nChannel 0: November 2039. So that's four thirty\n\nChannel 1: Thirteen years, I'll\n\nChannel 0: almost\n\nChannel 1: be sixty\n\nChannel 0: fourteen years\n\nChannel 1: four.\n\nChannel 0: away.\n\nChannel 1: So I'll be 64. Yeah. Okay. So till I'm 60\n\nChannel 0: Right.\n\nChannel 1: '4, basically.\n\nChannel 0: Oh, that's right.\n\nChannel 1: Yep.\n\nChannel 0: You've got a February birthday. Yep.\n\nChannel 1: Yeah. Yeah. I'm '61 now. Yeah. So I'll be '64.\n\nRight.\n\nChannel 0: Yep.\n\nChannel 1: So it only covers me, so anything after that. What year what sorry. What month? '20 what month? '29?\n\nChannel 0: It's got the November 1.\n\nChannel 1: Oh, okay. So the '29. Yeah. So we yeah. '60\n\nChannel 0: Yep.\n\nChannel 1: '4. Yep. Going on to '65. Yep. Okay.\n\nYep. Yeah. That sounds good.\n\nChannel 0: And and, again, hopefully, we've built up, like, the super enough that you don't need TPD insurance at that point because, again, I don't want you paying $20,000 a year. I have some\n\nChannel 1: Yeah.\n\nChannel 0: 60 year old walk through the door, and they're like, oh, my sister's going backwards because I'm paying $20 a year. Oh, jeez.\n\nChannel 1: Yeah.\n\nChannel 0: Why didn't\n\nChannel 1: Yeah.\n\nChannel 0: anybody\n\nChannel 1: Yeah.\n\nChannel 0: reduce this? So, you know, I paid off necessary.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. And is is Sebi still my the person who does the trades and stuff on my sofa, by the way? Is Sebi still my adviser\n\nChannel 0: We've got\n\nChannel 1: or my?\n\nChannel 0: so Sevi doesn't do trades manually because he's sort of the director, but you're kind of falling under Sevi and I as senior adviser and director for the advice side of things.\n\nChannel 1: Uh-huh.\n\nChannel 0: We have a operations head who does all the actual trading and buying and selling and selling. That\n\nChannel 1: Uh-huh. Uh-huh. Okay. Cool. Yep.\n\nYep. I was just wondering about\n\nChannel 0: was\n\nChannel 1: that because\n\nChannel 0: two\n\nChannel 1: things have\n\nChannel 0: things\n\nChannel 1: changed\n\nChannel 0: I was gonna\n\nChannel 1: hands\n\nChannel 0: quickly\n\nChannel 1: a little bit.\n\nChannel 0: ask you. Oh, no. He's still he's actually when I spoke to you last year, he was away for a while, and he's back this year. But because I'd already spoken to you about the insurances, I just wanted to jump on the call and see if we could move it along for\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: you. With the super itself, I was wanting to double check if you needed me to update any of the investments there because I was having a look at the super this morning. It had been a little while since our last chat. Have you managed to log on to it recently at all?\n\nChannel 1: I haven't logged on, but, like, my my risk profile would still be the same. Like, I haven't changed anything in terms of, you know, those risk profile questions and stuff. But I guess, yeah, how has it gone\n\nChannel 0: Yeah.\n\nChannel 1: overall in the last, like, percentage wise in the last year or year to date kind\n\nChannel 0: Yeah.\n\nChannel 1: of thing?\n\nChannel 0: So it's cleared 201,000 now, sitting at\n\nChannel 1: 0,\n\nChannel 0: two\n\nChannel 1: cool.\n\nChannel 0: zero one eight nine three. So\n\nChannel 1: Cool.\n\nChannel 0: it's pretty much when I look at the graph of it, it's just steadily up with growth\n\nChannel 1: Mhmm.\n\nChannel 0: and contributions going in.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: It's I think it's clear just under 9% after fees this year because, obviously, markets have been dropping since Christmas. So that's pretty normal. I'm looking at the eight options that you've got. So eight options that make up your portfolio. All of them are a Benelong Australian option, which has gone down a little bit.\n\nSo I'd probably keep an eye on that one. Gold has I don't know if you've seen what happened with gold, but it\n\nChannel 1: Yeah.\n\nChannel 0: shot up a couple of 100%.\n\nChannel 1: Yeah.\n\nChannel 0: And then it crashed back down last month, but it's just all over the place, but overall, pretty fantastic.\n\nChannel 1: Yeah. I think gold's pretty good. Yeah. Wanna keep the gold.\n\nChannel 0: Fantastic.\n\nChannel 1: That's\n\nChannel 0: Okay.\n\nChannel 1: what kind of\n\nChannel 0: So\n\nChannel 1: English.\n\nChannel 0: what I'll do is I've got you flagged in for let me just double check. We've got kind of like an August, September review.\n\nChannel 1: Mhmm.\n\nChannel 0: Portfolio is doing well. I'll just keep an eye on this option. And if it hasn't kind of picked up by August, September, I might look at replacing.\n\nChannel 1: Sounds good.\n\nChannel 0: Cool. Last question I have for you was just around the income side of things because your your income protection index is every year. So they bump up your cover amount with inflation, and you're technically protecting an income of a 130,000. I think\n\nChannel 1: Mhmm.\n\nChannel 0: last figure I had was you're only about a 112 at the time.\n\nChannel 1: Mhmm. Mhmm. I've just been paying myself the same amount. But, I mean, I think, well, I think I've I've been getting $3.01 $9.02 a fortnight is what I take home, but then\n\nChannel 0: Yes.\n\nChannel 1: tax obviously decreased. So I guess my, you know, gross salary or whatever probably went up because I just just kept paying myself the same amount every fortnight from the company. And then because I'm just the director of my own company.\n\nChannel 0: Gotcha.\n\nChannel 1: So my company contracts to Chevron Island Physio, and then I'm an employee of my own company, so I can pay myself whatever. But I just take home three\n\nChannel 0: Yeah.\n\nChannel 1: one nine to a fortnight in hand, but then I think the tax went down a bit. So, therefore, I think my overall income might have gone up a bit in the last year or two for that reason, even on getting the same amount of money in the hand. No. Well, that\n\nChannel 0: Yeah.\n\nChannel 1: means I'm\n\nChannel 0: Yeah.\n\nChannel 1: actually getting less in the hand. That actually means I'm getting less in the hand, doesn't it? I mean, less\n\nChannel 0: Absolutely.\n\nChannel 1: overall\n\nChannel 0: So that's\n\nChannel 1: because\n\nChannel 0: what I was gonna say is\n\nChannel 1: yeah.\n\nChannel 0: the gross would drop down slightly.\n\nChannel 1: Yep. Yep. Yep. So I\n\nChannel 0: K.\n\nChannel 1: haven't\n\nChannel 0: So\n\nChannel 1: increased my\n\nChannel 0: based\n\nChannel 1: fee because\n\nChannel 0: on this year sorry. Go ahead.\n\nChannel 1: yeah. So I haven't I haven't increased my salary. I mean, I can then just still take, you know, money out of the company if I want because I'm also the director. So if the company gets more money, I can still take a drawing, you know, from that, but I haven't at this point. So yeah.\n\nChannel 0: Gotcha. Gotcha. And you still the the company earnings, that's still all based on your personal exertion. You don't have 100\n\nChannel 1: Yep.\n\nChannel 0: staff making all the\n\nChannel 1: No.\n\nChannel 0: money for\n\nChannel 1: No. It's just me. Yep.\n\nChannel 0: you, dude. K. So I'm just working out the quick pay calculator based on this financial year, and you said it was $3.01 $9.02 that you take in here?\n\nChannel 1: Yeah. A fortnight.\n\nChannel 0: Perfect. So, technically, $3.02 $5.05. That's a little bit too high. I'm just gonna work it back. Bear with me for two seconds.\n\nChannel 1: Yeah. Because that only go\n\nChannel 0: And\n\nChannel 1: on my\n\nChannel 0: you said\n\nChannel 1: actual\n\nChannel 0: three\n\nChannel 1: income\n\nChannel 0: one\n\nChannel 1: anyway.\n\nChannel 0: $9.02. Yeah. Correct. So at the very least, what we might need to do is do a bit of a trim down because you're technically paying slightly above what you could claim. So you you technically, like, there your gross income that's protected is a 100 and and about a 108, a 109,000 based\n\nChannel 1: Yeah.\n\nChannel 0: on that net take home.\n\nChannel 1: Yeah.\n\nChannel 0: But you you're technically insured for a 130,000, so they would only pay you on a 100\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and 8. So what I'll do is I'll go through the underwriting with Zurich to see about the hand exclusion to see if it's working. And the thousand of that, I'll base it on 70% on your, like, paper income just to make sure that you're not overpaying, if that's okay.\n\nChannel 1: Yeah. Because that's all that paid me on anyway, isn't it? So in in the long run,\n\nChannel 0: Correct.\n\nChannel 1: like, even if I'm claimed for more, I'll only yeah. So look at my last six months, right, and just pay me based on that or last three months\n\nChannel 0: Yeah.\n\nChannel 1: or whatever\n\nChannel 0: So\n\nChannel 1: and\n\nChannel 0: even if we let's say we didn't switch from towel, at the very least, maybe we trimmed down the income protections slightly so you don't overpay.\n\nChannel 1: yep. Yep.\n\nChannel 0: K.\n\nChannel 1: I need to start giving\n\nChannel 0: And\n\nChannel 1: myself a pay rise\n\nChannel 0: nine\n\nChannel 1: soon.\n\nChannel 0: 100 and\n\nChannel 1: Maybe\n\nChannel 0: I\n\nChannel 1: make\n\nChannel 0: reckon.\n\nChannel 1: it, like, just\n\nChannel 0: Why\n\nChannel 1: maybe\n\nChannel 0: not?\n\nChannel 1: make it maybe make it a bit over a 108. You know, like, just if I give myself a pay rise, it'll probably be another well, not yet, but maybe maybe in six months' time, like, maybe another $100 a fortnight. So maybe factor it to\n\nChannel 0: Okay.\n\nChannel 1: whatever that ends up being.\n\nChannel 0: An extra $100 of fortnight net possibly as a pay\n\nChannel 1: Like, probably in six months'\n\nChannel 0: rise.\n\nChannel 1: time. But,\n\nChannel 0: That's\n\nChannel 1: yeah, just to allow that buffer so I'm covered. Because given that I only get 70% of it if something happens. Do you know what I mean?\n\nChannel 0: Yeah. Yep. I'm with you.\n\nChannel 1: How would that work? Just say I was taking $3.01 $9.02 a fortnight as wages, but because because just so the company gets more money, and then just say I decide to take drawings. Like, say, I draw down, you know, 4,000 a lump sum of $4,000. Okay. So so I could get a $100 a fortnight, which should be, you know, $2,500 or $2,600, say, right, in the hand.\n\nChannel 0: Yes.\n\nChannel 1: Or I could take $2,600 as drawings, like, the director's just drawings from excess in the company. Right? Because I'm the director of the company. If I take $2,600\n\nChannel 0: Yeah.\n\nChannel 1: as drawings, but then I guess you're not paying PAYG on all of that or whatever, but that is still an income I've taken. Would that $2,600 that I've taken as drawings be part of my income, and would that increase my income, or would it still only be a 108,000? So if I could taking $3.01 $9.02, a fortnight like I am now, which is a 108,000, but I take an extra $2,600 drawing, which is actually, you know, going into my income, would they still assess me as only having an income of 108,000, or would they add that $2,600 as well as my income\n\nChannel 0: So they\n\nChannel 1: when\n\nChannel 0: would\n\nChannel 1: they\n\nChannel 0: add\n\nChannel 1: look?\n\nChannel 0: it. They basically go back twelve months. And so\n\nChannel 1: Yep.\n\nChannel 0: if you'd already taken out $3.04, $5 extra, that's\n\nChannel 1: Yep.\n\nChannel 0: all in the paperwork that you'd submit for the last\n\nChannel 1: Yeah.\n\nChannel 0: twelve months of the income that you have determined. And, again, it's just making sure that you have enough ceiling of cover amount. So, obviously, if we drop it down to 108, but you took more out, they would only pay you based on the maximum, all that kind of thing. So I don't want\n\nChannel 1: Yeah.\n\nChannel 0: to trim it down too far.\n\nChannel 1: Well, that's something.\n\nChannel 0: But,\n\nChannel 1: I did\n\nChannel 0: again,\n\nChannel 1: take some\n\nChannel 0: twelve months\n\nChannel 1: yeah. So that's why I'm saying but it won't really matter if I take that extra\n\nChannel 0: income.\n\nChannel 1: income as $2,600 lump sum or a $100 a month. See, the 2,600 lump sum, I'm not having to pay PAYG on. It's just drawings. Whereas if I do a $100, you know, a fortnight, I'm having to pay PAYG and all of that on that as well. But either way,\n\nChannel 0: Yeah.\n\nChannel 1: I'm still in\n\nChannel 0: No.\n\nChannel 1: that with\n\nChannel 0: It\n\nChannel 1: 20\n\nChannel 0: doesn't\n\nChannel 1: six\n\nChannel 0: matter\n\nChannel 1: 100\n\nChannel 0: if\n\nChannel 1: in\n\nChannel 0: it's\n\nChannel 1: my\n\nChannel 0: a\n\nChannel 1: account.\n\nChannel 0: lump sum or regular.\n\nChannel 1: Okay. Cool.\n\nChannel 0: If your entire income was very irregular, that would cause an issue. They would\n\nChannel 1: Yep.\n\nChannel 0: try and average it out. But\n\nChannel 1: Yep.\n\nChannel 0: because you've got the average income and it fluctuates a bit because you're self employed based on how you wanna pay yourself and and tax minimization and so on.\n\nChannel 1: Yep.\n\nChannel 0: They factor that in pretty easily. But\n\nChannel 1: Yep.\n\nChannel 0: if your income was all over the shop, they would just try and work out.\n\nChannel 1: Yeah. Okay. Yeah. So we do need to take it up for a 108 a little bit because I'll probably be taking a few drawings and stuff down. I'll probably, yeah, maybe do it that way so that I just kinda don't have to pay extra super, extra p a y g, and all of that on the money.\n\nIt just gives me more money in the hand without having to take as much from the company to get the money.\n\nChannel 0: Yeah. Cool. So I'll bump it up 2,600 net, and I'll work back the gross on that and then add it to the $3.01 $9.02 $0.04 9. And that should be where we keep income protection\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: at. Perfect. What about the lump sums for the life and the TPD? Because that's just shy of 950,000. Is that still okay?\n\nChannel 1: Look. I don't have any kids. So, you know, when I die, it's only like my cousins that are gonna get my money. So, yeah, so I don't think oh, 900 for TPD. Well, that'll cover my house, and I think that'll be well, if the if the TPD could die off a bit, I guess, that would be good, wouldn't it?\n\nBut do you think 9 hundred's enough for TPD at the moment? It doesn't get you much, does it?\n\nChannel 0: Well, if you combine it with income protection, you pay off the mortgage, leave you with half a mill plus five years worth of income protection plus super, you should be okay. I mean, I could I could possibly if it still works out cheaper and we do end up switching, I could bump it up to a mill, give you the extra 50,000 if you want.\n\nChannel 1: Yeah. Yeah. Yeah. Maybe. Just a little bit.\n\nEvery little bit helps, isn't it?\n\nChannel 0: Yeah. And, again,\n\nChannel 1: And\n\nChannel 0: it's\n\nChannel 1: that\n\nChannel 0: just a pricing thing too because it'll increase next year and just gonna keep on top of it.\n\nChannel 1: So, like yeah. That's what I was gonna say. So if that goes up to a million, does the TPD and that still progressively increase every year as well with CPI to cover? Like, if we're saying we're covering for a million now, will that automatically go up to one point o five next year kind of thing, or would that just stay at a million, like, the figure that we pick for the TPD?\n\nChannel 0: Well, we can choose whether it has a notation on it or not.\n\nChannel 1: Mhmm.\n\nChannel 0: I was playing around with the Zurich quote to see how I can't actually quite see if it's got indexation on it, but I'll just check your original application and see if it pops up in there, which it\n\nChannel 1: Yeah. I guess\n\nChannel 0: looks like it doesn't\n\nChannel 1: so it just be\n\nChannel 0: have\n\nChannel 1: still the flat\n\nChannel 0: it\n\nChannel 1: million\n\nChannel 0: on\n\nChannel 1: every year kind\n\nChannel 0: there.\n\nChannel 1: of thing?\n\nChannel 0: Yeah. That's right.\n\nChannel 1: Yeah. Oh, look. I mean, a million is probably enough at the moment anyway. I think, like, I I owe 430,000 on the on the house. So, you know, that would more than cover that, and then I'd have that plus my super, I guess.\n\nSo yeah. And I'd already be getting my income protection for a while anyway. So yeah.\n\nChannel 0: Yeah. That should get you through to, again, get close to the 60, have that, you know, with the mortgage off, less repayments to have to worry about for the cash flow, and it's just trying to get the super up. Because, again, if I add an extra couple of thousand dollars coming out in premiums, then all of a sudden starts going backwards. We can't build that asset up. But\n\nChannel 1: Yeah. We've gotta get my\n\nChannel 0: 2\n\nChannel 1: super\n\nChannel 0: 100\n\nChannel 1: up.\n\nChannel 0: thousand\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Nothing too crazy because the world's kind of on fire at the moment, but just a nice steady growth like you've been seeing. Good.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And we'll see where we can get it to by around 60.\n\nChannel 1: Yeah. Sounds good. Sounds good.\n\nChannel 0: Cool. So so I'll get the team onto underwriting with Zurich and Tal just to see what that looks like for exclusions. I've got some figures here to adjust everything with a little bit, and I'll keep an eye on that super option for our next review around August, September. Anything else I can go over with you today?\n\nChannel 1: No. It's been great. Thanks. You guys have been really helpful. So, yeah, I appreciate it.\n\nChannel 0: No worries at all. It was lovely catching up with you again this new year. And,\n\nChannel 1: Yeah.\n\nChannel 0: again, sorry that I'm a bit today, but\n\nChannel 1: Okay. Thanks for your time. Have a good weekend too.\n\nChannel 0: you too, Sally. See you later.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02096899226307869},{"text":"Sally speaking.","start":1.12,"end":2.02,"sentiment":"neutral","sentiment_score":0.033778272569179535}],"sentiment":"neutral","sentiment_score":0.02950851246714592,"channel":1,"num_words":3,"start":0.56,"end":2.02},{"sentences":[{"text":"Good morning, Sally.","start":2.8,"end":3.76,"sentiment":"neutral","sentiment_score":0.32567353049914044},{"text":"It's Tommy here, senior adviser from.","start":3.76,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.22599570701519647},{"text":"How are you doing?","start":5.92,"end":6.74,"sentiment":"neutral","sentiment_score":0.21975234895944595}],"sentiment":"neutral","sentiment_score":0.24707724841741416,"channel":0,"num_words":13,"start":2.8,"end":6.74},{"sentences":[{"text":"Hi.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.26589420437812805},{"text":"Good.","start":7.2,"end":7.44,"sentiment":"positive","sentiment_score":0.42861559987068176},{"text":"Thanks.","start":7.44,"end":7.68,"sentiment":"positive","sentiment_score":0.5330194234848022},{"text":"How are you?","start":7.68,"end":8.5,"sentiment":"positive","sentiment_score":0.37425153454144794}],"sentiment":"positive","sentiment_score":0.3917139718929927,"channel":1,"num_words":6,"start":6.8799996,"end":8.5},{"sentences":[{"text":"I'm doing fantastic.","start":8.8,"end":9.94,"sentiment":"positive","sentiment_score":0.763715406258901},{"text":"Happy New Year to you.","start":10.0,"end":11.3,"sentiment":"positive","sentiment_score":0.7205406904220581}],"sentiment":"positive","sentiment_score":0.7367312088608742,"channel":0,"num_words":8,"start":8.8,"end":11.3},{"sentences":[{"text":"Yeah.","start":11.28,"end":11.679999,"sentiment":"positive","sentiment_score":0.4602149724960327},{"text":"Happy New Year to you as well.","start":11.679999,"end":13.219999,"sentiment":"positive","sentiment_score":0.5246380652700152}],"sentiment":"positive","sentiment_score":0.5165851786732674,"channel":1,"num_words":8,"start":11.28,"end":13.219999},{"sentences":[{"text":"Thank you.","start":13.599999,"end":14.08,"sentiment":"positive","sentiment_score":0.5605356991291046},{"text":"Thank you.","start":14.08,"end":14.48,"sentiment":"positive","sentiment_score":0.3824734687805176},{"text":"I do apologize.","start":14.48,"end":15.28,"sentiment":"neutral","sentiment_score":-0.18949996928373972},{"text":"I'm a bit croaky today.","start":15.28,"end":16.345,"sentiment":"negative","sentiment_score":-0.47798454761505127},{"text":"The whole family has come down with a flu.","start":16.345,"end":18.025,"sentiment":"negative","sentiment_score":-0.485871821641922}],"sentiment":"neutral","sentiment_score":-0.259297652613549,"channel":0,"num_words":21,"start":13.599999,"end":18.025},{"sentences":[{"text":"So if I'm a bit hard in the throat, please forgive me.","start":18.025,"end":21.244999,"sentiment":"negative","sentiment_score":-0.4511584887901942}],"sentiment":"negative","sentiment_score":-0.4511584887901942,"channel":0,"num_words":12,"start":18.025,"end":21.244999},{"sentences":[{"text":"Yeah.","start":21.545,"end":21.785,"sentiment":"neutral","sentiment_score":-0.3053719401359558},{"text":"I'm starting to feel a bit that way myself today.","start":21.785,"end":23.965,"sentiment":"negative","sentiment_score":-0.4578579604625702}],"sentiment":"negative","sentiment_score":-0.4439955949783325,"channel":1,"num_words":11,"start":21.545,"end":23.965},{"sentences":[{"text":"Totally.","start":25.224998,"end":25.724998,"sentiment":"neutral","sentiment_score":0.06658732146024704},{"text":"Totally.","start":28.679998,"end":29.179998,"sentiment":"neutral","sentiment_score":0.09455426782369614},{"text":"Sally, I'm just going through a bit of an updated chat with you from where we left off last year.","start":30.84,"end":36.78,"sentiment":"neutral","sentiment_score":0.022756086522713305},{"text":"Do you still have time this morning?","start":37.16,"end":38.54,"sentiment":"neutral","sentiment_score":0.016598364604370936}],"sentiment":"neutral","sentiment_score":0.025256961102372612,"channel":0,"num_words":29,"start":25.224998,"end":38.54},{"sentences":[{"text":"Yep.","start":38.69,"end":39.09,"sentiment":"neutral","sentiment_score":0.025629661977291107},{"text":"Mhmm.","start":39.09,"end":39.57,"sentiment":"neutral","sentiment_score":0.028416037559509277},{"text":"Yep.","start":39.57,"end":40.07,"sentiment":"neutral","sentiment_score":0.0971948504447937}],"sentiment":"neutral","sentiment_score":0.050413516660531364,"channel":1,"num_words":3,"start":38.69,"end":40.07},{"sentences":[{"text":"Perfect.","start":40.76,"end":41.239998,"sentiment":"neutral","sentiment_score":0.2866886556148529},{"text":"So before I jump into any personal details, I just need to confirm that you're okay for the calls to be recorded.","start":41.239998,"end":46.925003,"sentiment":"neutral","sentiment_score":0.06414182179353455}],"sentiment":"neutral","sentiment_score":0.0738177710901136,"channel":0,"num_words":23,"start":40.76,"end":46.925003},{"sentences":[{"text":"Mhmm.","start":47.555,"end":48.055,"sentiment":"neutral","sentiment_score":0.0011252127587795258},{"text":"Yep.","start":48.195,"end":48.695,"sentiment":"neutral","sentiment_score":0.006847070530056953}],"sentiment":"neutral","sentiment_score":0.00398614164441824,"channel":1,"num_words":2,"start":47.555,"end":48.695},{"sentences":[{"text":"And usual security process, I don't think they have a client password on file, so I will need to confirm date of birth and address, please, if that's","start":48.825,"end":55.92,"sentiment":"neutral","sentiment_score":-0.018344213267222846}],"sentiment":"neutral","sentiment_score":-0.018344213267222846,"channel":0,"num_words":28,"start":48.825,"end":55.92},{"sentences":[{"text":"Yeah.","start":56.75,"end":57.07,"sentiment":"neutral","sentiment_score":0.009048668667674065},{"text":"'75.","start":57.07,"end":59.25,"sentiment":"neutral","sentiment_score":0.006089020520448685},{"text":"Have you got 14 Revholtz Drive, Benoa,","start":59.629997,"end":62.05,"sentiment":"neutral","sentiment_score":0.005761306599846908}],"sentiment":"neutral","sentiment_score":0.006162981709672345,"channel":1,"num_words":9,"start":56.75,"end":62.05},{"sentences":[{"text":"okay.","start":62.079998,"end":62.579998,"sentiment":"neutral","sentiment_score":0.009117180481553078}],"sentiment":"neutral","sentiment_score":0.009117180481553078,"channel":0,"num_words":1,"start":62.079998,"end":62.579998},{"sentences":[{"text":"or have you got Southport?","start":62.11,"end":63.41,"sentiment":"neutral","sentiment_score":0.0024186438880860806}],"sentiment":"neutral","sentiment_score":0.0024186438880860806,"channel":1,"num_words":5,"start":62.11,"end":63.41},{"sentences":[{"text":"Yes.","start":62.96,"end":63.46,"sentiment":"neutral","sentiment_score":0.01877710223197937}],"sentiment":"neutral","sentiment_score":0.01877710223197937,"channel":0,"num_words":1,"start":62.96,"end":63.46},{"sentences":[{"text":"Yep.","start":63.789997,"end":64.11,"sentiment":"neutral","sentiment_score":0.015231083147227764}],"sentiment":"neutral","sentiment_score":0.015231083147227764,"channel":1,"num_words":1,"start":63.789997,"end":64.11},{"sentences":[{"text":"We've","start":64.08,"end":64.32,"sentiment":"neutral","sentiment_score":0.009481101296842098}],"sentiment":"neutral","sentiment_score":0.009481101296842098,"channel":0,"num_words":1,"start":64.08,"end":64.32},{"sentences":[{"text":"Okay.","start":64.11,"end":64.59,"sentiment":"neutral","sentiment_score":0.010905217379331589}],"sentiment":"neutral","sentiment_score":0.010905217379331589,"channel":1,"num_words":1,"start":64.11,"end":64.59},{"sentences":[{"text":"got Benoit.","start":64.32,"end":64.979996,"sentiment":"neutral","sentiment_score":0.006555471103638411}],"sentiment":"neutral","sentiment_score":0.006555471103638411,"channel":0,"num_words":2,"start":64.32,"end":64.979996},{"sentences":[{"text":"Mhmm.","start":64.59,"end":65.09,"sentiment":"neutral","sentiment_score":0.003843466052785516},{"text":"Mhmm.","start":65.47,"end":65.869995,"sentiment":"neutral","sentiment_score":0.009706983342766762},{"text":"Yep.","start":65.869995,"end":66.369995,"sentiment":"neutral","sentiment_score":0.05886324495077133}],"sentiment":"neutral","sentiment_score":0.024137898115441203,"channel":1,"num_words":3,"start":64.59,"end":66.369995},{"sentences":[{"text":"Beautiful.","start":66.799995,"end":67.299995,"sentiment":"neutral","sentiment_score":0.22521792352199552},{"text":"Now I'm registered with our pick of adviser 1273105 just to identify myself.","start":67.84,"end":73.295006,"sentiment":"neutral","sentiment_score":0.057354623021987766},{"text":"And if 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around that because, you know, like, say I hurt my knee skiing and then can't stand or something.","start":823.58,"end":832.30005,"sentiment":"neutral","sentiment_score":-0.2990016525699979},{"text":"I don't ski, actually.","start":832.30005,"end":833.34,"sentiment":"neutral","sentiment_score":-0.2884786054491997},{"text":"But, anyway, can't stand and then, you know, break my knee, but then it's painful.","start":833.34,"end":836.835,"sentiment":"negative","sentiment_score":-0.3804794450600942},{"text":"But then they could go, oh, well, you can't come back to work because of arthritis, and arthritis isn't covered.","start":836.835,"end":841.31506,"sentiment":"negative","sentiment_score":-0.4122535973787308},{"text":"Do you know what I mean?","start":841.31506,"end":841.875,"sentiment":"neutral","sentiment_score":-0.24126269419987997}],"sentiment":"negative","sentiment_score":-0.3459513471885161,"channel":1,"num_words":66,"start":823.58,"end":841.875},{"sentences":[{"text":"There will 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you're not covered.","start":863.825,"end":865.34503,"sentiment":"neutral","sentiment_score":-0.3175034523010254},{"text":"Like, I just the the wording, which, basically, they can say to anyone pretty much over 30 about anything, they're gonna have arthritis.","start":865.34503,"end":873.905,"sentiment":"neutral","sentiment_score":-0.1866761805570644},{"text":"So I'd just be interested to know the wording around that as well.","start":873.905,"end":877.82,"sentiment":"neutral","sentiment_score":-0.03659001336647914},{"text":"Do you know what I mean?","start":877.82,"end":879.04004,"sentiment":"neutral","sentiment_score":-0.15791633476813635},{"text":"Like I said, this particular thing had nothing to do with that.","start":879.34,"end":881.34,"sentiment":"neutral","sentiment_score":-0.2528477956851323}],"sentiment":"neutral","sentiment_score":-0.17759857662022113,"channel":1,"num_words":60,"start":863.825,"end":881.34},{"sentences":[{"text":"It was a a tenant thing 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was this I don't think it was this policy.","start":1011.565,"end":1013.485,"sentiment":"neutral","sentiment_score":-0.2675667002797127},{"text":"I don't think it was these guys.","start":1013.485,"end":1014.765,"sentiment":"neutral","sentiment_score":-0.24258714062826975},{"text":"I can't remember which company.","start":1014.765,"end":1016.19,"sentiment":"neutral","sentiment_score":-0.14981997311115264},{"text":"I think it might have been the company before you, but but yeah.","start":1016.19,"end":1019.89,"sentiment":"neutral","sentiment_score":-0.10921548077693352},{"text":"Anyway, this is something worth having a look at as well because that is how work cover gets everyone off work cover.","start":1020.27,"end":1028.13,"sentiment":"neutral","sentiment_score":-0.07932232117111032}],"sentiment":"neutral","sentiment_score":-0.14539945909851476,"channel":1,"num_words":57,"start":1011.565,"end":1028.13},{"sentences":[{"text":"And look through through our employer, like, I've I've seen the way WorkCover operates these days, and you're exactly right.","start":1029.595,"end":1037.755,"sentiment":"neutral","sentiment_score":-0.06618546601384878},{"text":"Like, they have so many ways of getting people off work cover.","start":1037.755,"end":1042.58,"sentiment":"neutral","sentiment_score":-0.22496757035454115},{"text":"It's just not funny at that point.","start":1042.58,"end":1044.44,"sentiment":"negative","sentiment_score":-0.40955623984336853}],"sentiment":"neutral","sentiment_score":-0.17667214983166793,"channel":0,"num_words":39,"start":1029.595,"end":1044.44},{"sentences":[{"text":"So, 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it goes","start":1240.91,"end":1241.39,"sentiment":"neutral","sentiment_score":-0.019305662562449772}],"sentiment":"neutral","sentiment_score":-0.019305662562449772,"channel":0,"num_words":3,"start":1240.91,"end":1241.39},{"sentences":[{"text":"and","start":1241.3151,"end":1241.635,"sentiment":"neutral","sentiment_score":-0.013375647366046906}],"sentiment":"neutral","sentiment_score":-0.013375647366046906,"channel":1,"num_words":1,"start":1241.3151,"end":1241.635},{"sentences":[{"text":"to the 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later.","start":2193.1199,"end":2193.8599,"sentiment":"positive","sentiment_score":0.4333159426848094}],"sentiment":"positive","sentiment_score":0.442856361468633,"channel":0,"num_words":6,"start":2192.4,"end":2193.8599},{"sentences":[{"text":"Bye.","start":2194.199,"end":2194.699,"sentiment":"neutral","sentiment_score":-0.06868602335453033}],"sentiment":"neutral","sentiment_score":-0.06868602335453033,"channel":1,"num_words":1,"start":2194.199,"end":2194.699}]},"summary":{"result":"success","short":"The speakers discuss the underwriting process for insurance claims, including pre assessing the head, identifying preexisting issues, and health-related issues. They also mention their income protection policy and the need for long term income protection claims. The speakers emphasize the importance of giving all necessary information and note the specifics of the claim. They also discuss the benefits of working from home and the possibility of updating investments. The speakers emphasize the importance of long term income protection claims and the need for maximum income protections. They also touch on the possibility of adding an extra income to their income protection and the possibility of a maximum of $5,000 for the TPD."},"intents":{"segments":[{"text":"as safe as humanly possible, what we need to do is pre assess the underwriting with regards to the head. So we know straight away Right? that Zurich is much cheaper and that's because Tower was gonna charge you $44 a month out of pocket. That's a bit too high, so we're leaning towards Zurich.","start_word":599,"end_word":653,"intents":[{"intent":"Evaluate underwriting costs","confidence_score":0.11846296}]},{"text":"When we contact Zurich this week, we're pretty much gonna ask them, can we get through for the definition that we're after without any exclusions on hand?","start_word":655,"end_word":681,"intents":[{"intent":"Request definition clarification","confidence_score":0.052650247}]},{"text":"Yes.","start_word":726,"end_word":726,"intents":[{"intent":"Discuss tendonitis","confidence_score":0.30178472}]},{"text":"it's gonna Yep. look like if it's gonna be like a hand exclusion where they go for that one hand, we're not gonna pay anything related to hand in general, not just thumb.","start_word":782,"end_word":814,"intents":[{"intent":"Inquire about hand exclusion","confidence_score":0.0012527104}]},{"text":"So if they'll do it, and then if they'll say, well, that's fine. We're happy to accept that.","start_word":908,"end_word":925,"intents":[{"intent":"Accept resolution","confidence_score":0.0012840516}]},{"text":"You know, I just I got, I think, two cortisone injections. Did I have two or three?","start_word":946,"end_word":962,"intents":[{"intent":"Discuss covid-19 injections","confidence_score":0.0051611294}]},{"text":"So we've got for the HRT, Yep. and then we've Yep. got hypothyroidism, medicated, and more managed. Yep.","start_word":1215,"end_word":1232,"intents":[{"intent":"Explain medication process","confidence_score":0.000037709342}]},{"text":"So updated, like, pricing wise, I think it's come out now this year $18.64 a month for the own occupation CPD. So still pretty good on the ballpark, But Yeah.","start_word":1361,"end_word":1390,"intents":[{"intent":"Resolve pricing discrepancies","confidence_score":0.0026290885}]},{"text":"And can you have a look?","start_word":2360,"end_word":2365,"intents":[{"intent":"Analyze job opportunities","confidence_score":0.049437128}]},{"text":"So I don't know if it's a policy that I've got with you guys or if it's the one before I was with you guys. But I know, like, you know how every year they update the policy terms and conditions and stuff.","start_word":2367,"end_word":2409,"intents":[{"intent":"Update policy terms and conditions","confidence_score":0.07680488},{"intent":"Explain policy changes","confidence_score":0.090028524}]},{"text":"Like, I noticed one of them said, you know, we don't cover arthritis or I don't know if they did rheumatoid or osteo, but, I mean, I guess, like, if something happens to your hand and you're not covered, what does that mean?","start_word":2409,"end_word":2451,"intents":[{"intent":"Inquire about coverage","confidence_score":0.0006831593}]},{"text":"Well, do you know what I mean? Any like, which is anyone over the age of 30 will have arthritis or degeneration if you x-ray them. Right?","start_word":2471,"end_word":2497,"intents":[{"intent":"Clarify information","confidence_score":0.00041749552}]},{"text":"They say, I feel that the work related component of the exacerbation has now settled down, and any residual problems are a result of underlying degenerative change, which means it's because of arthritis.","start_word":2687,"end_word":2719,"intents":[{"intent":"Explain coverage of degenerative changes","confidence_score":0.00031865577},{"intent":"Discuss exacerbation process","confidence_score":0.0012361107}]},{"text":"Like, I just the the wording, which, basically, they can say to anyone pretty much over 30 about anything, they're gonna have arthritis. So I'd just be interested to know the wording around that as well. Do you know what I mean?","start_word":2730,"end_word":2771,"intents":[{"intent":"Discuss wording around wording","confidence_score":0.0014886544}]},{"text":"Do you know what I mean? Like I said, this particular thing had nothing to do with that. It was a a tenant thing anyway. But, you know, that kind of leaves things open because if you it means if you have any degeneration, which everyone will, that that was an exclusion in one of the policies. So yeah.","start_word":2766,"end_word":2824,"intents":[{"intent":"Understand understanding of exclusions in policies","confidence_score":0.000020750855}]},{"text":"So when I go through, like, the TAO PDF and Azure PDF as an example, I know that they can't exclude conditions or body parts unless it's a preexisting. Yep.","start_word":2857,"end_word":2886,"intents":[{"intent":"Discuss usage of tao az pts and azure pts","confidence_score":9.615397e-11}]},{"text":"But, yeah, it's just just worth having a look at that just just to make sure because that was, yeah, what came up on one of the documents.","start_word":3123,"end_word":3150,"intents":[{"intent":"Analyze policy coverage","confidence_score":0.014899394}]},{"text":"this was just trying to get me to get a quote. I said, look.","start_word":3688,"end_word":3701,"intents":[{"intent":"Request quote","confidence_score":0.19661438},{"intent":"Obtain quote","confidence_score":0.01908003}]},{"text":"Portfolio is doing well. I'll just keep an eye on this option. And if it hasn't kind of picked up by August, September, I might look at replacing. Sounds good.","start_word":4662,"end_word":4691,"intents":[{"intent":"Check portfolio status","confidence_score":0.03942326}]},{"text":"So I guess my, you know, gross salary or whatever probably went up because I just just kept paying myself the same amount every fortnight from the company. And then because I'm just the director of my own company. Gotcha.","start_word":4787,"end_word":4826,"intents":[{"intent":"Calculate salary expenses","confidence_score":0.00047428906}]},{"text":"Would that $2,600 that I've taken as drawings be part of my income, and would that increase my income, or would it still only be a 108,000?","start_word":5596,"end_word":5622,"intents":[{"intent":"Determine income eligibility","confidence_score":0.006152447}]},{"text":"If your entire income was very irregular, that would cause an issue. They would Yep. try and average it out. But Yep. because you've got the average income and it fluctuates a bit because you're self employed based on how you wanna pay yourself and and tax minimization and so on. Yep.","start_word":5883,"end_word":5934,"intents":[{"intent":"Calculate income plan","confidence_score":0.0016613401}]},{"text":"But do you think 9 hundred's enough for TPD at the moment?","start_word":6163,"end_word":6174,"intents":[{"intent":"Discuss tpd cost","confidence_score":0.010198459}]}]},"sentiments":{"segments":[{"text":"Hello? Sally speaking. Good morning, Sally. It's Tommy here, senior adviser from. How are you doing? Hi.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.21183016896247864},{"text":"Good. Thanks. How are you? I'm doing fantastic. Happy New Year to you. Yeah. Happy New Year to you as well. Thank you. Thank you.","start_word":17,"end_word":41,"sentiment":"positive","sentiment_score":0.5602520704269409},{"text":"I do apologize.","start_word":42,"end_word":44,"sentiment":"neutral","sentiment_score":-0.19868379831314087},{"text":"I'm a bit croaky today. The whole family has come down with a flu. So if I'm a bit hard in the throat, please forgive me.","start_word":45,"end_word":70,"sentiment":"negative","sentiment_score":-0.4657677412033081},{"text":"Yeah.","start_word":71,"end_word":71,"sentiment":"neutral","sentiment_score":-0.3053719401359558},{"text":"I'm starting to feel a bit that way myself today.","start_word":72,"end_word":81,"sentiment":"negative","sentiment_score":-0.4400971233844757},{"text":"Totally. Totally. Sally, I'm just going through a bit of an updated chat with you from where we left off last year. Do you still have time this morning? Yep. Mhmm. Yep. Perfect. So before I jump into any personal details, I just need to confirm that you're okay for the calls to be recorded. Mhmm. Yep. And usual security process, I don't think they have a client password on file, so I will need to confirm date of birth and address, please, if that's Yeah. '75. Have you got 14 Revholtz Drive, Benoa, okay. or have you got Southport? Yes. Yep. We've Okay. got Benoit. Mhmm. Mhmm. Yep. Beautiful. Now I'm registered with our pick of adviser 1273105 just to identify myself. And if you recall, we were trying to get you own occupation TPD. Yep. Mhmm. Cool. So we were basically waiting until now to make sure that we were six months symptom free from the hand just to make sure that we can get through the underwriting side of things. How's all that been? Has it been Yep. okay? It's good. It's been fine. But I don't know.","start_word":82,"end_word":272,"sentiment":"neutral","sentiment_score":0.017471492290496826},{"text":"I just get a weird feel.","start_word":273,"end_word":278,"sentiment":"negative","sentiment_score":-0.5315835475921631},{"text":"Like, I just still wonder if I do change if you know, the more I think about it, if they will would still kinda try and use that to get out of it down the track if I change insurers. I don't know. I still you know, because I I look at my thumbs and I kinda think, you know, that's probably the first thing to go with the physio.","start_word":279,"end_word":348,"sentiment":"neutral","sentiment_score":-0.16669190036399023},{"text":"So And I'm that's amazing. You like need to do the job as well, isn't yeah.","start_word":349,"end_word":364,"sentiment":"positive","sentiment_score":0.5417270660400391},{"text":"it? So I'm kind of I'm kind of looking thinking, well, you know, if if they see that and I change companies then, like because my friend just had a TPD claim, and he'd been with someone for twenty years. And then he changed, and, you know, because of the change and then when things happened, they were kind of the insurance company has now rejected his claim for TPD and kind of said, well whereas if he'd been with the same company the whole time, it would have been fine, but they've just turned around and said, oh, well, you know, we think that this was an issue when you came on board kind of thing. Yeah. It's like previous in condition kind of thing. And because it was, like, a recent change, they're looking backwards now. Yeah. And they're kinda saying that he didn't divulge everything or whatever. I mean, that wasn't why it changed. His financial advisers just said, you know, chain let let's change companies, but doing that is what's kind of made him not get see change companies. So I'm thinking, you know, if they can, they probably will down the track use that and just say, oh, well, you know, this is a preexisting thing. Even you know, I mean, that's how they'd try to prove it to not pay a claim. Right? Yeah. So to be Claim. as safe as humanly possible, what we need to do is pre assess the underwriting with regards to the head. So we know straight away Right? that Zurich is much cheaper and that's because Tower was gonna charge you $44 a month out of pocket.","start_word":365,"end_word":643,"sentiment":"neutral","sentiment_score":-0.17168593406677246},{"text":"That's a bit too high, so we're leaning towards Zurich.","start_word":644,"end_word":653,"sentiment":"negative","sentiment_score":-0.3449695408344269},{"text":"When we contact Zurich this week, we're pretty much gonna ask them, can we get through for the definition that we're after without any exclusions on hand? If they do And and actually offer and an exclusion actually declare on hand and actually declare, like, what I had kind of been six months ago or whatever and just I slipped weirdly and got 10 you know, got tendonitis or sequiturines or whatever. Yes. Exactly right. Because any sort of again, they go to claims. They look at doctor's report, any mention of a preexisting issue. If it's not disclosed, they go, oh, well, I haven't paid your claim. So through this underwriting process, we want to disclose everything upfront, Yep. make sure it can get through. If Yep. it's gonna Yep. look like if it's gonna be like a hand exclusion where they go for that one hand, we're not gonna pay anything related to hand in general, not just thumb. Because sometimes they get very specific. Sometimes they get very broad. Like, in a thumb issue and they exclude your entire head. If that comes through in their operating exclusion, the the decision matrix basically is, do we want the owner occupation definition more than the ability to claim on the head? If Yeah. the head is gonna be the main thing because that's what you need for your job, then it's probably not best. For Yeah. Yep. Mhmm. Yep. Definitely. do you Yeah. agree I mean, with if that? I yeah. Yeah. So if they'll do it, and then if they'll say, well, that's fine.","start_word":654,"end_word":920,"sentiment":"neutral","sentiment_score":-0.03321214020252228},{"text":"We're happy to accept that. She hasn't had any problems.","start_word":921,"end_word":930,"sentiment":"positive","sentiment_score":0.4537879526615143},{"text":"She you know, I never had any time off work with it or anything either. You know, I just I got, I think, two cortisone injections. Did I have two or three? Two or three cortisone injections at the time. So I had it's like tendinitis, so it's called dequervains, d e q u e r v a I n s. So it's called DeQuervain, which is tendinitis. But it came it didn't come from work. It came because I slept weirdly on my hand, and then that, you know, got flared up.","start_word":931,"end_word":1023,"sentiment":"neutral","sentiment_score":-0.03303657420059686},{"text":"But I was still actually able to work with it, like, the whole time.","start_word":1024,"end_word":1037,"sentiment":"positive","sentiment_score":0.40175315737724304},{"text":"I still did continue to work, and I'm, Yes. you know, I was actually very busy and still able to work. But yeah.","start_word":1038,"end_word":1060,"sentiment":"neutral","sentiment_score":0.2002893090248108},{"text":"So that's all settled down now and been fine.","start_word":1061,"end_word":1069,"sentiment":"positive","sentiment_score":0.5044025182723999},{"text":"Haven't had any days off work or anything like that with it. But but, yeah, it it didn't happen from work. It happened from sleeping weirdly. So Absolutely. And I made a few notes last time as well about the specifics on the hand. And the only other thing that was mentioned health wise, so what I had for the hand was at the time, so it's been around six months now, there was MOBIC for anti Yes. inflammation, Yep. cortisone injection, no time off work, and fully resolved is what I've noted Yep. And, yes, I'm not on Mobic or anything anymore either. So yep. And the other down. thing is, like, Yep. hormone wise, obviously, I've got, like, menopause medication and thyroid medication just because of my hormones. So have you got all those ones? Did we talk about Yeah. all those? Yeah. So we've got for the HRT, Yep. and then we've Yep. got hypothyroidism, medicated, and more managed. Yep. Mhmm. And that's the right one. Is it a hypo, not hyper? Yeah. That's right. And but I'm, like, now a hundred and sixty one centimeters, and I weigh fifty two kilograms. So that probably, you know, lets them know that it's I'm not overweight. Oh, yeah. Absolutely. Because I think last time we had 54. So Yeah. it's pretty Yeah. much around the same ballpark. Again, fiddle to fiddle. And that's why I do these checks upfront because part of my job is not to replace your product with something that's going to be less off. And Yeah.","start_word":1070,"end_word":1331,"sentiment":"neutral","sentiment_score":-0.001537472569518758},{"text":"if your main fear is not being able to claim on something, I can't put you into something that's gonna pause that specifically because of my advice.","start_word":1332,"end_word":1358,"sentiment":"negative","sentiment_score":-0.41025254130363464},{"text":"Yep. Yep. So updated, like, pricing wise, I think it's come out now this year $18.64 a month for the own occupation CPD.","start_word":1359,"end_word":1381,"sentiment":"neutral","sentiment_score":0.13325782120227814},{"text":"So still pretty good on the ballpark, But Yeah.","start_word":1382,"end_word":1390,"sentiment":"positive","sentiment_score":0.379848837852478},{"text":"I'm just double checking the income protection side of things just to make sure that doesn't shoot up because all Yep. the other policies were, like, $600 cheaper overall. So Mhmm. that would be Mhmm.","start_word":1391,"end_word":1425,"sentiment":"neutral","sentiment_score":0.08006422221660614},{"text":"pretty good.","start_word":1426,"end_word":1427,"sentiment":"positive","sentiment_score":0.40289443731307983},{"text":"But, again, the main thing is just the the underwriting side of things. And if there's gonna be a hand exclusion, I'll just let you know straight away. And so yeah. So the income protection because at the moment, how much am I paying for the income protection? Do I just pay, like, a $100 out of pocket or something a year? Is that something like that? Just over a 100, I think. Yeah. It's a Yeah. lot So of it's out of my last super. November, it was a 161 out of pocket for the Yep. definition outside super, and then Yep. everything else was paid through the super. Yep. Yep. You've kind of got that flexi linking income protection, and what we're trying to get you is, like, flexi link TPD where most of it's paid through the super, little bit out of pocket, and you get the extra definition. Yep. Yep. So I'll double check the quoting on the income protection because overall, life TPD income protection looks good.","start_word":1428,"end_word":1599,"sentiment":"neutral","sentiment_score":-0.015600454062223434},{"text":"The TPD phone occupation looks really good.","start_word":1600,"end_word":1606,"sentiment":"positive","sentiment_score":0.5385785102844238},{"text":"I just wanna double check that they're not gonna shoot up your out of pocket income protection to above what you paid last time. Because anytime we do a replacement, because you pay yearly, they will give you a pro rata refund anyway. Mhmm. Mhmm. When So when anything they do you've already own paid, up we'll get back. okay. Cool. When they do own occupation as well, like because one time when I changed banks, like, the home the Commonwealth Bank's like, oh, hey. I don't know if I told you this, but they're like, oh, do you wanna try and do insurance with us? And I already had insurance. Right? But then the the bank Yes. was saying, you know, like, ask all these different questions. And then they're saying, you know, what do you do for work? And I said, I'm a physiotherapist and Pilates instructor. Right? So then oh, no. Physiotherapist, and I teach Pilates. And then that basically came back to me and said, so when you say, teach, like, Pilates teacher, what does that mean? How do you define that? Like, as in you know, because I I had staff as well, so I would train them and I would teach clients. And then, you know, I basically felt Yeah. like, you know, like, I want them just say my hands don't work. I mean, say with Pilates, like so I do physio and I do Pilates. But I mean, do Pilates, but I do, like, pick up weights for clients and have to move things around. So I need reasonable hand function for that. Do do you know what I mean? Like, because otherwise, they could say, well, you could still talk to people or do that. You you know what I mean? Or Oh, or does it just yep. go under the title of physiotherapist, which is which incorporates Pilates as part of part of my job? Do you know what I mean? Like, that's one, you Yeah. know, They I can would do I think occupation yes. Like duties wise, they're pretty good with the physiotherapist encompassing all the different things that physio could do. If if Yeah.","start_word":1607,"end_word":1973,"sentiment":"neutral","sentiment_score":0.031987896985919986},{"text":"you fall outside of the normal normal practice, Like, if you had a very niche market where all you were doing was driving out to the country and, you know, work on a mine site, teaching them Pilates where there's explosives, then they go, oh, that's a risk outside the norm.","start_word":1974,"end_word":2024,"sentiment":"negative","sentiment_score":-0.3463173806667328},{"text":"But if you're doing duties that any physio could do, then that would be encompassing that occupation But definition. what I'm saying is because they say, oh, well, like, say something happened to me. Well, you can still work because you can still teach Pilates even though you can't do physio. Do you do you know what I mean? Yeah. Oh, you'd be able to prove an income drop pretty easily. And especially when you get if you do get out of occupation, they're pretty well like oh, if you can't work and the doctor's saying you can't work, Yeah. Yep. then Yep. your income's dropping and you need income replacement, so there's your income protection. But, again, Yeah. remember, TPD is about the doctor saying you can't go back to work. So, Yeah. literally, if your hand breaks, you're like, I can't generate that income anymore. Yep. They they always do these days, like, return to work plan kind of thing. Like, oh, can you can you slowly improve the hand over time and so on? But they won't make you go and do, especially if you're self employed. They they can't make you generate income in a different way. And I'd be interested to see If because you're working one of the for a company where you're like, I was doing a bit of a white collar office work, and they're like, oh, your employee is literally telling you that you can switch into this and still earn an income. Well, then there's no income loss, if that makes sense. What I missed that. Say that again. If if what? Sorry. Company and your employer is like, oh, you can't do this job, but we're literally offering you to this job at the same pay with slightly different duties. Or the insurer is gonna say there's no income loss because you're literally switching within companies and you've accepted that. You know what I Yeah. mean? Yeah. Yeah. What else are we gonna say? And can you have a look? So I don't know if it's a policy that I've got with you guys or if it's the one before I was with you guys. But I know, like, you know how every year they update the policy terms and conditions and stuff. Like, I noticed one of them said, you know, we don't cover arthritis or I don't know if they did rheumatoid or osteo, but, I mean, I guess, like, if something happens to your hand and you're not covered, what does that mean? Like, do they turn around like, one of the policies I had is, like, okay. We don't cover arthritis. Well, do you know what I mean? Any like, which is anyone over the age of 30 will have arthritis or degeneration if you x-ray them. Right? But it was it was kind of like, Yes. so does that mean if I have degeneration in my hand, which which anyone will over the age of 30 pretty much if you x-ray them, that it's like, oh, well, we're not gonna cover you now. Like, I'd just be interested to know what they're just because one of the policies I had, they changed it. So so it's like it'd be just Yeah. be Right. interesting to bring around that because, you know, like, say I hurt my knee skiing and then can't stand or something. I don't ski, actually.","start_word":2025,"end_word":2598,"sentiment":"neutral","sentiment_score":-0.09913631039914976},{"text":"But, anyway, can't stand and then, you know, break my knee, but then it's painful. But then they could go, oh, well, you can't come back to work because of arthritis, and arthritis isn't covered.","start_word":2599,"end_word":2633,"sentiment":"negative","sentiment_score":-0.3942129611968994},{"text":"Do you know what I mean? There will be arthritis in my knees. Do you know Yeah. what I mean? Like like I and getcha. that's how that's Yep.","start_word":2634,"end_word":2662,"sentiment":"neutral","sentiment_score":-0.1991562396287918},{"text":"how a lot of, like, work cover claims, they say, doctors, specialists, orthopedic surgeons, this is how they get you off work cover. They say, I feel that the work related component of the exacerbation has now settled down, and any residual problems are a result of underlying degenerative change, which means it's because of arthritis.","start_word":2663,"end_word":2718,"sentiment":"negative","sentiment_score":-0.37003483942576815},{"text":"You're not Oh, covered yep. for arthritis, so you're not covered. Like, I just the the wording, which, basically, they can say to anyone pretty much over 30 about anything, they're gonna have arthritis. So I'd just be interested to know the wording around that as well. Do you know what I mean? Like I said, this particular thing had nothing to do with that. It was a a tenant thing anyway.","start_word":2719,"end_word":2790,"sentiment":"neutral","sentiment_score":-0.1948860734701157},{"text":"But, you know, that kind of leaves things open because if you it means if you have any degeneration, which everyone will, that that was an exclusion in one of the policies.","start_word":2791,"end_word":2822,"sentiment":"negative","sentiment_score":-0.4260377883911133},{"text":"So yeah. So that was I I just it would just be interesting Yeah. Right. to see their their wording around that because that basically gets them out of anything. So yeah. A 100%. So when I go through, like, the TAO PDF and Azure PDF as an example, I know that they can't exclude conditions or body parts unless it's a preexisting. Yep. So that's where they go, oh, you know, you had a knee reconstruction, so therefore specific exclusion written on the policy for that body part of condition. Outside of that, the claim definitions, they're pretty kind of clear cut with a doctor. So what we were saying last year between any occupation and own occupation is if your doctor says you can't work any or your specific occupations that you're reasonably suited to with education, training, and experience, then here's your lump sum. Income protection is literally doctor says you can't go back to work for longer than the waiting period. It's very, very kind of broad and very claimable. Yeah. There's And no and so they and can't so write if in exclusions to conditions unless it's been in the underlying process. but if it was like I couldn't go back to work because of arthritis for in like like arthritis can underlie everything, right, as well. But if that was part of the issue, like, as in like like, put it this way, they could say, well, you've got underlying, you know, arthritis, and that's why you're still in pain.","start_word":2823,"end_word":3078,"sentiment":"neutral","sentiment_score":-0.17129442957229912},{"text":"And if you didn't have that, you wouldn't be back to work, and arthritis is an exclusion.","start_word":3079,"end_word":3095,"sentiment":"negative","sentiment_score":-0.3402838706970215},{"text":"Like, do you know what I mean? Like, I'd just be interested to know that that's not, yeah, in in their policy or something that's not covered. But, yeah, it's just just worth having a look at that just just to make sure because that was, yeah, what came up on one of the documents. So so but, like, on I A don't 100 think percent. it was this I don't think it was this policy. I don't think it was these guys. I can't remember which company. I think it might have been the company before you, but but yeah. Anyway, this is something worth having a look at as well because that is how work cover gets everyone off work cover. And look through through our employer, like, I've I've seen the way WorkCover operates these days, and you're exactly right. Like, they have so many ways of getting people off work cover.","start_word":3096,"end_word":3250,"sentiment":"neutral","sentiment_score":-0.1298653930425644},{"text":"It's just not funny at that point.","start_word":3251,"end_word":3257,"sentiment":"negative","sentiment_score":-0.3977882862091065},{"text":"So, anyway, Mhmm. that's just that's Whereas just probably the what only I other thing. experienced with with, like, income protection claims, I've seen some really old funds have this juking out between the insurance doctor and the client's doctor, and that can get a little bit messy. But Yeah. anytime you've got a policy work which was just based on what your doctor's reports are, I think that's a lot safer. Because the moment they can try and swing in another professional, that's where it gets murky. And so is this policy just based on my doctor's reports? Yes. Yeah. Right. Okay. Yeah.","start_word":3258,"end_word":3361,"sentiment":"neutral","sentiment_score":-0.18298159539699552},{"text":"So that's good.","start_word":3362,"end_word":3364,"sentiment":"positive","sentiment_score":0.4646625220775604},{"text":"Because that's that's what happens with WorkCover. They always send you to a so called independent examiner who's not independent. It's like, you know, a knee orthopedic surgeon for a back condition, you know what I mean, who is still an orthopedic surgeon, but he doesn't do backs all the time, and he'll make a comment about someone's back and stuff. You know? My clients will research it and go, oh, look. You know? He's not even a knee got a back guy. He's a knee surgeon. You know? But, again, they're not operating. They're just writing the report, and the report pretty much comes back all the time saying exactly what I said every time. Like, the GP that I work with go, you even got the wording right. And I said, I don't know. Well, funnily So enough, so I've been doing a lot of, like, TPD claims advice recently where people get paid out 700,000, and we're telling them how to make it last and all that kind of thing. And we had clients who were underwritten under an occupation that was really good. It was like office space, university degree. It was like white collar, really high rated. And they actually moved through another company doing a manual job, and they were still paid out based on the duties they were doing at the time. Yeah.","start_word":3365,"end_word":3594,"sentiment":"neutral","sentiment_score":-0.05682576933632726},{"text":"That's good.","start_word":3595,"end_word":3596,"sentiment":"positive","sentiment_score":0.3781905770301819},{"text":"I guess that's what what I wanna know. Yeah. How are these companies paying out?","start_word":3597,"end_word":3611,"sentiment":"neutral","sentiment_score":-0.0005624081240966916},{"text":"Because that's the thing. There's no point.","start_word":3612,"end_word":3618,"sentiment":"negative","sentiment_score":-0.4819486439228058},{"text":"Like, when I had the Commonwealth Bank wanting me to do it, and they were trying to get all these definitions and saying, what was your last visit, sir, and what was it for? I mean, I know doctors generally talk about two or three things that aren't necessarily write great notes. And then they've come back and said, when we asked you this, you said this, and Yes.","start_word":3619,"end_word":3687,"sentiment":"neutral","sentiment_score":-0.3194500505924225},{"text":"this was just trying to get me to get a quote. I said, look. I feel like you're already making a claim against me before I've even made a claim, so I'm really not interested in taking up your policy. I've already got cover. You know?","start_word":3688,"end_word":3733,"sentiment":"negative","sentiment_score":-0.647855818271637},{"text":"Yeah.","start_word":3734,"end_word":3734,"sentiment":"neutral","sentiment_score":-0.29197946190834045},{"text":"So, yeah, I I think they were just already trying to make a claim against me before I even did it. So I'm not gonna be paying you money for insurance when I'm not gonna be covered.","start_word":3735,"end_word":3771,"sentiment":"negative","sentiment_score":-0.5086549520492554},{"text":"So And I think yeah. the one you've gotta watch out for is exactly what you were saying when it comes to work cover is a target area for insurers is really long term income protection claims Yep. where people have policies that pay to the age of 65, and they've got people who are claiming for thirty years. And they're Yep. going, well, at some point, they wanna add things to their new policy saying that you should have return to work plans and actually try and an actual payment of five years or something like that, Yeah. Yeah. I believe. Yeah. Yeah. Yep. Yep. And then it would be, like, most likely TPD if I was still off work or something. Yeah. Exactly. And Right. the And TPD then it goes and to the lump the sum and the TPD and the income protection, they only go to 65, don't they? Is that right? You can have they can expire well into the some of them up to the age of 99, but you never hold a policy for that long because the price skyrockets up to $2,030,000 dollars a year.","start_word":3772,"end_word":3964,"sentiment":"neutral","sentiment_score":-0.09280117601156236},{"text":"So it's just not tenable to have that.","start_word":3965,"end_word":3972,"sentiment":"negative","sentiment_score":-0.45376136898994446},{"text":"The income protection you've got is a benefit period of five years, and the CPD that has an expiry date, I'll give it to you now, of, yeah, 2039. So what's that? So '13 it's '65. years. '20 what what year? Sorry. '20 what? '30 So '9. November 2039. So that's four thirty Thirteen years, I'll almost be sixty fourteen years four. away. So I'll be 64. Yeah. Okay. So till I'm 60 Right. '4, basically. Oh, that's right. Yep. You've got a February birthday. Yep. Yeah. Yeah. I'm '61 now. Yeah. So I'll be '64. Right. Yep. So it only covers me, so anything after that. What year what sorry. What month? '20 what month? '29? It's got the November 1. Oh, okay. So the '29. Yeah. So we yeah. '60 Yep. '4. Yep. Going on to '65. Yep. Okay. Yep.","start_word":3973,"end_word":4114,"sentiment":"neutral","sentiment_score":-0.021358416475598295},{"text":"Yeah. That sounds good.","start_word":4115,"end_word":4118,"sentiment":"positive","sentiment_score":0.5140420198440552},{"text":"And and, again, hopefully, we've built up, like, the super enough that you don't need TPD insurance at that point because, again, I don't want you paying $20,000 a year. I have some Yeah. 60 year old walk through the door, and they're like, oh, my sister's going backwards because I'm paying $20 a year. Oh, jeez. Yeah. Why didn't Yeah. anybody Yeah. reduce this? So, you know, I paid off necessary. Yeah. Yeah. Yeah. Yeah. Yeah. And is is Sebi still my the person who does the trades and stuff on my sofa, by the way? Is Sebi still my adviser We've got or my? so Sevi doesn't do trades manually because he's sort of the director, but you're kind of falling under Sevi and I as senior adviser and director for the advice side of things. Uh-huh. We have a operations head who does all the actual trading and buying and selling and selling. That Uh-huh. Uh-huh. Okay. Cool. Yep. Yep. I was just wondering about was that because two things have things changed I was gonna hands quickly a little bit. ask you. Oh, no. He's still he's actually when I spoke to you last year, he was away for a while, and he's back this year. But because I'd already spoken to you about the insurances, I just wanted to jump on the call and see if we could move it along for Mhmm. Mhmm. you. With the super itself, I was wanting to double check if you needed me to update any of the investments there because I was having a look at the super this morning. It had been a little while since our last chat. Have you managed to log on to it recently at all? I haven't logged on, but, like, my my risk profile would still be the same. Like, I haven't changed anything in terms of, you know, those risk profile questions and stuff. But I guess, yeah, how has it gone Yeah. overall in the last, like, percentage wise in the last year or year to date kind Yeah. of thing? So it's cleared 201,000 now, sitting at 0, two cool. zero one eight nine three.","start_word":4119,"end_word":4485,"sentiment":"neutral","sentiment_score":-0.01745436496890533},{"text":"So Cool.","start_word":4486,"end_word":4487,"sentiment":"positive","sentiment_score":0.5148557424545288},{"text":"it's pretty much when I look at the graph of it, it's just steadily up with growth Mhmm. and contributions going in. Mhmm. Mhmm. It's I think it's clear just under 9% after fees this year because, obviously, markets have been dropping since Christmas. So that's pretty normal. I'm looking at the eight options that you've got. So eight options that make up your portfolio. All of them are a Benelong Australian option, which has gone down a little bit. So I'd probably keep an eye on that one. Gold has I don't know if you've seen what happened with gold, but it Yeah. shot up a couple of 100%. Yeah. And then it crashed back down last month, but it's just all over the place, but overall, pretty fantastic. Yeah. I think gold's pretty good. Yeah. Wanna keep the gold.","start_word":4488,"end_word":4628,"sentiment":"neutral","sentiment_score":0.06816349923610687},{"text":"Fantastic.","start_word":4629,"end_word":4629,"sentiment":"positive","sentiment_score":0.5162997245788574},{"text":"That's Okay. what kind of So English. what I'll do is I've got you flagged in for let me just double check. We've got kind of like an August, September review. Mhmm. Portfolio is doing well. I'll just keep an eye on this option. And if it hasn't kind of picked up by August, September, I might look at replacing.","start_word":4630,"end_word":4689,"sentiment":"neutral","sentiment_score":0.08824890851974487},{"text":"Sounds good.","start_word":4690,"end_word":4691,"sentiment":"positive","sentiment_score":0.3907390534877777},{"text":"Cool. Last question I have for you was just around the income side of things because your your income protection index is every year. So they bump up your cover amount with inflation, and you're technically protecting an income of a 130,000. I think Mhmm. last figure I had was you're only about a 112 at the time. Mhmm. Mhmm. I've just been paying myself the same amount. But, I mean, I think, well, I think I've I've been getting $3.01 $9.02 a fortnight is what I take home, but then Yes. tax obviously decreased. So I guess my, you know, gross salary or whatever probably went up because I just just kept paying myself the same amount every fortnight from the company. And then because I'm just the director of my own company. Gotcha. So my company contracts to Chevron Island Physio, and then I'm an employee of my own company, so I can pay myself whatever. But I just take home three Yeah. one nine to a fortnight in hand, but then I think the tax went down a bit. So, therefore, I think my overall income might have gone up a bit in the last year or two for that reason, even on getting the same amount of money in the hand. No. Well, that Yeah. means I'm Yeah. actually getting less in the hand. That actually means I'm getting less in the hand, doesn't it? I mean, less Absolutely. overall So that's because what I was gonna say is yeah. the gross would drop down slightly. Yep. Yep. Yep. So I K. haven't So increased my based fee because on this year sorry. Go ahead. yeah. So I haven't I haven't increased my salary. I mean, I can then just still take, you know, money out of the company if I want because I'm also the director. So if the company gets more money, I can still take a drawing, you know, from that, but I haven't at this point. So yeah. Gotcha. Gotcha. And you still the the company earnings, that's still all based on your personal exertion. You don't have 100 Yep. staff making all the No. money for No. It's just me. Yep. you, dude. K. So I'm just working out the quick pay calculator based on this financial year, and you said it was $3.01 $9.02 that you take in here? Yeah. A fortnight. Perfect. So, technically, $3.","start_word":4692,"end_word":5097,"sentiment":"neutral","sentiment_score":-0.06352000110071575},{"text":"02 $5.05. That's a little bit too high.","start_word":5097,"end_word":5104,"sentiment":"negative","sentiment_score":-0.42267781496047974},{"text":"I'm just gonna work it back. Bear with me for two seconds. Yeah. Because that only go And on my you said actual three income one anyway. $9.02. Yeah. Correct. So at the very least, what we might need to do is do a bit of a trim down because you're technically paying slightly above what you could claim. So you you technically, like, there your gross income that's protected is a 100 and and about a 108, a 109,000 based Yeah. on that net take home. Yeah. But you you're technically insured for a 130,000, so they would only pay you on a 100 Yeah. Yeah. and 8. So what I'll do is I'll go through the underwriting with Zurich to see about the hand exclusion to see if it's working. And the thousand of that, I'll base it on 70% on your, like, paper income just to make sure that you're not overpaying, if that's okay. Yeah. Because that's all that paid me on anyway, isn't it? So in in the long run, Correct. like, even if I'm claimed for more, I'll only yeah. So look at my last six months, right, and just pay me based on that or last three months Yeah. or whatever So and even if we let's say we didn't switch from towel, at the very least, maybe we trimmed down the income protections slightly so you don't overpay. yep. Yep. K. I need to start giving And myself a pay rise nine soon. 100 and Maybe I make reckon. it, like, just Why maybe not? make it maybe make it a bit over a 108. You know, like, just if I give myself a pay rise, it'll probably be another well, not yet, but maybe maybe in six months' time, like, maybe another $100 a fortnight. So maybe factor it to Okay. whatever that ends up being. An extra $100 of fortnight net possibly as a pay Like, probably in six months' rise. time. But, That's yeah, just to allow that buffer so I'm covered. Because given that I only get 70% of it if something happens. Do you know what I mean? Yeah. Yep. I'm with you. How would that work? Just say I was taking $3.01 $9.02 a fortnight as wages, but because because just so the company gets more money, and then just say I decide to take drawings. Like, say, I draw down, you know, 4,000 a lump sum of $4,000. Okay. So so I could get a $100 a fortnight, which should be, you know, $2,500 or $2,600, say, right, in the hand. Yes. Or I could take $2,600 as drawings, like, the director's just drawings from excess in the company. Right? Because I'm the director of the company. If I take $2,600 Yeah. as drawings, but then I guess you're not paying PAYG on all of that or whatever, but that is still an income I've taken. Would that $2,600 that I've taken as drawings be part of my income, and would that increase my income, or would it still only be a 108,000? So if I could taking $3.01 $9.02, a fortnight like I am now, which is a 108,000, but I take an extra $2,600 drawing, which is actually, you know, going into my income, would they still assess me as only having an income of 108,000, or would they add that $2,600 as well as my income So they when would they add look? it. They basically go back twelve months. And so Yep. if you'd already taken out $3.04, $5 extra, that's Yep. all in the paperwork that you'd submit for the last Yeah. twelve months of the income that you have determined. And, again, it's just making sure that you have enough ceiling of cover amount. So, obviously, if we drop it down to 108, but you took more out, they would only pay you based on the maximum, all that kind of thing.","start_word":5105,"end_word":5767,"sentiment":"neutral","sentiment_score":0.007109795126721241},{"text":"So I don't want Yeah. to trim it down too far.","start_word":5768,"end_word":5778,"sentiment":"negative","sentiment_score":-0.4119766652584076},{"text":"Well, that's something. But, I did again, take some twelve months yeah. So that's why I'm saying but it won't really matter if I take that extra income. income as $2,600 lump sum or a $100 a month. See, the 2,600 lump sum, I'm not having to pay PAYG on. It's just drawings. Whereas if I do a $100, you know, a fortnight, I'm having to pay PAYG and all of that on that as well. But either way, Yeah. I'm still in No. that with It 20 doesn't six matter 100 if in it's my a account. lump sum or regular. Okay.","start_word":5779,"end_word":5881,"sentiment":"neutral","sentiment_score":-0.03617825113164568},{"text":"Cool.","start_word":5882,"end_word":5882,"sentiment":"positive","sentiment_score":0.3571639358997345},{"text":"If your entire income was very irregular, that would cause an issue. They would Yep. try and average it out. But Yep. because you've got the average income and it fluctuates a bit because you're self employed based on how you wanna pay yourself and and tax minimization and so on. Yep. They factor that in pretty easily. But Yep. if your income was all over the shop, they would just try and work out. Yeah. Okay. Yeah. So we do need to take it up for a 108 a little bit because I'll probably be taking a few drawings and stuff down. I'll probably, yeah, maybe do it that way so that I just kinda don't have to pay extra super, extra p a y g, and all of that on the money. It just gives me more money in the hand without having to take as much from the company to get the money. Yeah.","start_word":5883,"end_word":6039,"sentiment":"neutral","sentiment_score":0.18319082260131836},{"text":"Cool.","start_word":6040,"end_word":6040,"sentiment":"positive","sentiment_score":0.5249903202056885},{"text":"So I'll bump it up 2,600 net, and I'll work back the gross on that and then add it to the $3.01 $9.02 $0.04 9. And that should be where we keep income protection Yep.","start_word":6041,"end_word":6075,"sentiment":"neutral","sentiment_score":0.2645357549190521},{"text":"Sounds good. at. Perfect.","start_word":6076,"end_word":6079,"sentiment":"positive","sentiment_score":0.5544700622558594},{"text":"What about the lump sums for the life and the TPD? Because that's just shy of 950,000. Is that still okay? Look. I don't have any kids. So, you know, when I die, it's only like my cousins that are gonna get my money. So, yeah, so I don't think oh, 900 for TPD. Well, that'll cover my house, and I think that'll be well, if the if the TPD could die off a bit, I guess, that would be good, wouldn't it? But do you think 9 hundred's enough for TPD at the moment? It doesn't get you much, does it?","start_word":6080,"end_word":6181,"sentiment":"neutral","sentiment_score":0.04628674444906851},{"text":"Well, if you combine it with income protection, you pay off the mortgage, leave you with half a mill plus five years worth of income protection plus super, you should be okay. I mean, I could I could possibly if it still works out cheaper and we do end up switching, I could bump it up to a mill, give you the extra 50,000 if you want.","start_word":6182,"end_word":6248,"sentiment":"positive","sentiment_score":0.3600064218044281},{"text":"Yeah. Yeah. Yeah. Maybe. Just a little bit. Every little bit helps, isn't it? Yeah. And, again, And it's that just a pricing thing too because it'll increase next year and just gonna keep on top of it. So, like yeah. That's what I was gonna say. So if that goes up to a million, does the TPD and that still progressively increase every year as well with CPI to cover? Like, if we're saying we're covering for a million now, will that automatically go up to one point o five next year kind of thing, or would that just stay at a million, like, the figure that we pick for the TPD? Well, we can choose whether it has a notation on it or not. Mhmm. I was playing around with the Zurich quote to see how I can't actually quite see if it's got indexation on it, but I'll just check your original application and see if it pops up in there, which it Yeah. I guess looks like it doesn't so it just be have still the flat it million on every year kind there. of thing? Yeah. That's right. Yeah. Oh, look. I mean, a million is probably enough at the moment anyway. I think, like, I I owe 430,000 on the on the house. So, you know, that would more than cover that, and then I'd have that plus my super, I guess. So yeah. And I'd already be getting my income protection for a while anyway. So yeah.","start_word":6249,"end_word":6502,"sentiment":"neutral","sentiment_score":0.07130583956485659},{"text":"Yeah. That should get you through to, again, get close to the 60, have that, you know, with the mortgage off, less repayments to have to worry about for the cash flow, and it's just trying to get the super up.","start_word":6503,"end_word":6543,"sentiment":"positive","sentiment_score":0.3806506395339966},{"text":"Because, again, if I add an extra couple of thousand dollars coming out in premiums, then all of a sudden starts going backwards. We can't build that asset up. But Yeah. We've gotta get my 2 super 100 up. thousand Yeah. yeah. Nothing too crazy because the world's kind of on fire at the moment, but just a nice steady growth like you've been seeing.","start_word":6544,"end_word":6608,"sentiment":"neutral","sentiment_score":0.09127335250377656},{"text":"Good.","start_word":6609,"end_word":6609,"sentiment":"positive","sentiment_score":0.4593504965305328},{"text":"Yeah. Yeah. And we'll see where we can get it to by around 60. Yeah.","start_word":6610,"end_word":6624,"sentiment":"neutral","sentiment_score":0.21926285326480863},{"text":"Sounds good. Sounds good. Cool.","start_word":6625,"end_word":6629,"sentiment":"positive","sentiment_score":0.5896744132041931},{"text":"So so I'll get the team onto underwriting with Zurich and Tal just to see what that looks like for exclusions. I've got some figures here to adjust everything with a little bit, and I'll keep an eye on that super option for our next review around August, September. Anything else I can go over with you today? No.","start_word":6630,"end_word":6688,"sentiment":"neutral","sentiment_score":0.14804120361804962},{"text":"It's been great. Thanks. You guys have been really helpful. So, yeah, I appreciate it. No worries at all. It was lovely catching up with you again this new year.","start_word":6689,"end_word":6718,"sentiment":"positive","sentiment_score":0.7476072907447815},{"text":"And, Yeah. again, sorry that I'm a bit today, but Okay.","start_word":6719,"end_word":6729,"sentiment":"neutral","sentiment_score":0.1126348003745079},{"text":"Thanks for your time. Have a good weekend too. you too, Sally. See you later.","start_word":6730,"end_word":6744,"sentiment":"positive","sentiment_score":0.5775108933448792},{"text":"Bye.","start_word":6745,"end_word":6745,"sentiment":"neutral","sentiment_score":0.2627813220024109}],"average":{"sentiment":"neutral","sentiment_score":-0.03557276598272477}}}}