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Do you still have a good time for me this morning? No worries at all. I've got a no. That's totally fine. I've got a six year old and a three year old and another one on the way, so I know exactly what it's like. Little bit. Little bit. I'm actually going on paternity leave next month, so I wanted to make sure I got this sorted before I went. Thank you very much for that. We're finally finished building the family and ready to sleep again, but I'm glad I'll be happy when I'm 60. Cool. I'm gonna shoot this email through to you. I'm just gonna do a quick security check and run through the key details with you. Are you okay for the call to be recorded? Cool. And just for the security of your information, could you please confirm your date of birth and address? Perfect. Sensational. I'm gonna pop this through to your Hotmail address. Will you be able to look on to the documents with me today, or should I just run through them with you and give you a moment after that? Alright. So this will come through from our new system, so it may come through to your main box or your spam folder, and it should be listed as signature request from OPU Financial statement of advice in the subject heading. Cool. So if you can just pop that open, there's quite quite a few documents here. I do find it painful in the industry how many additional documents we send through. There's some attachments there which are essentially product documents for the superannuation, the insurance policies, and everything. But inside the digital authorization link, it'll bring you to the main core documents, which is like a beachfront city logo, and that's the statement of advice. Yes. So if you hit that to open it up, it'll bring you into Odoo sign. It should ask you for, like, a consent to use digital signing, but it'll allow you to scroll through the documents with me before you sign. Cool. So you can see that sort of goal post front page. Yep. So if you just scroll through, this is pretty much identical to your previous statement of advice just with the addition of those transfer terms. So if you could pop through to page three and four where it has scope of advice, I just wanna quickly double check that with you. So we're focusing on the superannuation consolidation, the updated portfolio, the insurance policy, and there was a few reminders about estate planning now that you have a young child. We weren't doing anything in terms of trauma insurance. We weren't giving you investment property advice. You might be looking at a self managed super fund in the future and that kind of thing that isn't included in this advice document. Cool. Now if you scroll through a few more pages, we just have the goals listed there about your investments, insurances, everything that we just kind of spoke about, retirement in twenty three years. But the one I wanted to double check with you is if you can go to pages eight and nine, there's an about you section. Just wanna make sure there hasn't been any significant changes. Obviously, we still have you as a procurement officer on around about 91,000, but there was that note about you doing a few months at a different role as a bit of a temporary thing, possibly permanent afterwards. Fantastic. 101,500 increased income. And are you still listed as procurement officer, or do you have a new title now? Procurement operations lead. 101,500 is now set in stone. And when you went up to that new title, have they increased anything for you in terms of, like, going into, like, a managerial role compared to what you were doing before? Yeah. Yep. And what really affects, like, the income protection is if you have a certain number of staff underneath you that you look after compared to just doing your own duties. Free stuff. Perfect. Perfect. So what I'm gonna do with encompass is I'm just gonna double check whether they can get you any, like, better occupation ratings for the pricing, but you're still listed as, like, a white collar, essentially. Right? The next page, this might be a little bit out of date, but this is your assets and liabilities with your your primary residence, investment property, boats, and vehicles. Has there been any major changes to any of those assets there? Haven't Yep. Two car loans, $40,000 mark. Oh, no. That's it. We literally just spent last weekend trying to fit three baby seats in the back of our car. My wife's got a Kluger, so she was fine, but my Corolla cannot fit three. So it's a bit of a fun one. I do. She's got the seven seater, but I've got my little mini one. Alright. So that's all good. Now if just go through to one more page. Yep. So we've got the host plus the hub 24. That's your host plus insurance that we're transferring across for about the same price. Perfect. If you go all the way through, we've still got you as a high growth investor. Again, trying to get as much returns as possible to retire earlier. And if you have a scroll through with me so we just updated the projection table on page 13. And what I might do, because this is pretty well the same as before, is if you can just pop down to page twenty one and twenty two, And it should list a little bit of a blue bar talking about your insurances and a list a policy one and a policy two. Cool. So, again, we just trimmed down the encompass to fit in with the transfer terms. Just bear in mind that the income protection can technically be increased because of your new income, but that 5,300 a month is kind of like 70% of your your 91,000 to cover expenses. Just wanna double check that that's still okay, and you guys will still be able to kind of get by on on that amount. Perfect. Alright. We were expecting a potential ankle exclusion from the surgery in 2018. That's why I wanted to do the transfer first just to make sure that gets across the line. And, hopefully, you won't get that, but it's just a precaution because if you were to get that, we wouldn't be able to transfer the cover. Okay. That's pretty much everything for those documents. It goes through and talks about beneficiary nomination for your spouse on the new life insurance policy. And then it pretty much goes through into your encompass quote to sign, the transfer terms application to sign, as well as a consent form for us to still remain advisers on hub twenty four so that we can actually do all the transactions and everything. So that's the four documents to sign. Do you have any questions so far? K. I do have to go through one thing with you, and then I can pretty much leave you to it. And for the transfer terms, you went through a duty of reasonable care for your Encompass application. And I just need to read out the same paragraph to you and ask you the six transfer terms question. K? So just bear with me for a moment. And once I finish that paragraph, just let me know if you're okay for that duty. When applying for insurance, it's important that you answer the following questions to the best of your knowledge. As the applicant, you have a legal duty to take reasonable care, not to make a misrepresentation to the insurer before the contract of insurance is entered into. If this duty is not met, it can have serious impact on your insurance, such as your policy being voided or the terms of your cover may be changed, declined, or your benefit reduced. More information about the duty to take reasonable care can be found in product disclosure statement provided to you today. Do you understand your duty to take reasonable care? Perfect. Now these six questions, I'll try and summarize the key points, but I need to kind of read most of this verbatim as well and just basically answer yes or no. Are you currently off work or unable to perform the full and normal duties of your occupation on a full time basis due to illness or injury? Perfect. Have you in the last twelve months been absent from work or unable to perform your duties due to illness or injury for more than six days? Perfect. Have you been diagnosed with or do you suffer from an illness that may cause permanent inability to work or a terminal illness? Ill? Last three, I'll kind of combine these two. Have you ever had an insurance application for life insurance, total disability, terminal illness, or income protection refused? Or the second question is offered on nonstandard terms. Amazing. And the last one, have you this is about claims. Have you ever been paid, or are you eligible to be paid or currently in the process of submitting a claim for any illness or injury compensation, workers' compensation, government benefits, or insurance policies for terminal illness, total disability, or income protection. And that's it. I'll plug all of that onto the applications, and we're good to go. Now from there, what we're pretty much gonna do is we will submit the transfer application today and finalize the consolidation of your host plus. From that point, you'll be good to the team will give you a quick call just to transfer your contributions across to make sure that's all not going to be reopened in the background. And then the last step will just be resubmitting that application through Encompass once the transfer terms is accepted. So if it's okay with you, I'm gonna get Jack to kind of prefill that information from last time. But as soon as you amazing. Amazing. We'll try and make it as painless as possible, but it is just, like, an updated quote and a couple of checks that you haven't had any health changes the last sort of five months or so. Cool. Chrissy, I really appreciate you taking the time while you've got the little one there. Do you have any questions for me so far? Cool. The last thing for me is when you go to sign these documents, if you can try to, like, click on the signature box and draw a signature, that's usually more accepted from the providers than the stamped ones. If you can't, the stamped one is okay. It's just we have had, I think, one or two providers that have a bit of an issue with it. Awesome. Alright. I will pretty much leave you to it. I will get the team to touch base with you pretty much every week, to give you some updates and progress the last couple of things. Are you okay for them to give you, like, a call, text, email? What would be easier? Sensational. I'll get them to send you a bit of a text, and they'll probably just have one last phone call for encompass at the end, but we'll make sure everything is kind of ticked in in force first. Amazing. Any last questions for me, Christie, before I let you go? Cool. I did have one super, super last question, which is, did you want me to kind of line up a twelve month catch up or an annual review from today going forward, or would you prefer to have a bit of a quarterly catch up in between? Yep. Cool. I'll get a little bit of an annual review pack sent out to you just to give you the updated performance on how your hub's going, which has been doing really well. I think it's grown about 20,000 even with the stock market crashing. So just wanted to give you that information. Amazing. Alright, Chrissy. You have a fantastic weekend, and thank you so much for your patience. Thank you so much. Actually, I will be your dedicated adviser moving forward. We've done a bit of a restructure, so you've got a dedicated team of four people. And I will be speaking to you and Kurt pretty soon. No worries. Talk to you then. 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Christie. Tommy here, senior adviser from. How are you doing? I'm doing fantastic. It's a freezing Friday, and my hands are a little bit slow.\n\nDo you still have a good time for me this morning? No worries at all. I've got a no. That's totally fine. I've got a six year old and a three year old and another one on the way, so I know exactly what it's like.\n\nLittle bit. Little bit. I'm actually going on paternity leave next month, so I wanted to make sure I got this sorted before I went. Thank you very much for that. We're finally finished building the family and ready to sleep again, but I'm glad I'll be happy when I'm 60.\n\nCool. I'm gonna shoot this email through to you. I'm just gonna do a quick security check and run through the key details with you. Are you okay for the call to be recorded? Cool.\n\nAnd just for the security of your information, could you please confirm your date of birth and address? Perfect. Sensational. I'm gonna pop this through to your Hotmail address. Will you be able to look on to the documents with me today, or should I just run through them with you and give you a moment after that?\n\nAlright. So this will come through from our new system, so it may come through to your main box or your spam folder, and it should be listed as signature request from OPU Financial statement of advice in the subject heading. Cool. So if you can just pop that open, there's quite quite a few documents here. I do find it painful in the industry how many additional documents we send through.\n\nThere's some attachments there which are essentially product documents for the superannuation, the insurance policies, and everything. But inside the digital authorization link, it'll bring you to the main core documents, which is like a beachfront city logo, and that's the statement of advice. Yes. So if you hit that to open it up, it'll bring you into Odoo sign. It should ask you for, like, a consent to use digital signing, but it'll allow you to scroll through the documents with me before you sign.\n\nCool. So you can see that sort of goal post front page. Yep. So if you just scroll through, this is pretty much identical to your previous statement of advice just with the addition of those transfer terms. So if you could pop through to page three and four where it has scope of advice, I just wanna quickly double check that with you.\n\nSo we're focusing on the superannuation consolidation, the updated portfolio, the insurance policy, and there was a few reminders about estate planning now that you have a young child. We weren't doing anything in terms of trauma insurance. We weren't giving you investment property advice. You might be looking at a self managed super fund in the future and that kind of thing that isn't included in this advice document. Cool.\n\nNow if you scroll through a few more pages, we just have the goals listed there about your investments, insurances, everything that we just kind of spoke about, retirement in twenty three years. But the one I wanted to double check with you is if you can go to pages eight and nine, there's an about you section. Just wanna make sure there hasn't been any significant changes. Obviously, we still have you as a procurement officer on around about 91,000, but there was that note about you doing a few months at a different role as a bit of a temporary thing, possibly permanent afterwards. Fantastic.\n\n101,500 increased income. And are you still listed as procurement officer, or do you have a new title now? Procurement operations lead. 101,500 is now set in stone. And when you went up to that new title, have they increased anything for you in terms of, like, going into, like, a managerial role compared to what you were doing before?\n\nYeah. Yep. And what really affects, like, the income protection is if you have a certain number of staff underneath you that you look after compared to just doing your own duties. Free stuff. Perfect.\n\nPerfect. So what I'm gonna do with encompass is I'm just gonna double check whether they can get you any, like, better occupation ratings for the pricing, but you're still listed as, like, a white collar, essentially. Right? The next page, this might be a little bit out of date, but this is your assets and liabilities with your your primary residence, investment property, boats, and vehicles. Has there been any major changes to any of those assets there?\n\nHaven't Yep. Two car loans, $40,000 mark. Oh, no. That's it. We literally just spent last weekend trying to fit three baby seats in the back of our car.\n\nMy wife's got a Kluger, so she was fine, but my Corolla cannot fit three. So it's a bit of a fun one. I do. She's got the seven seater, but I've got my little mini one. Alright.\n\nSo that's all good. Now if just go through to one more page. Yep. So we've got the host plus the hub 24. That's your host plus insurance that we're transferring across for about the same price.\n\nPerfect. If you go all the way through, we've still got you as a high growth investor. Again, trying to get as much returns as possible to retire earlier. And if you have a scroll through with me so we just updated the projection table on page 13. And what I might do, because this is pretty well the same as before, is if you can just pop down to page twenty one and twenty two, And it should list a little bit of a blue bar talking about your insurances and a list a policy one and a policy two.\n\nCool. So, again, we just trimmed down the encompass to fit in with the transfer terms. Just bear in mind that the income protection can technically be increased because of your new income, but that 5,300 a month is kind of like 70% of your your 91,000 to cover expenses. Just wanna double check that that's still okay, and you guys will still be able to kind of get by on on that amount. Perfect.\n\nAlright. We were expecting a potential ankle exclusion from the surgery in 2018. That's why I wanted to do the transfer first just to make sure that gets across the line. And, hopefully, you won't get that, but it's just a precaution because if you were to get that, we wouldn't be able to transfer the cover. Okay.\n\nThat's pretty much everything for those documents. It goes through and talks about beneficiary nomination for your spouse on the new life insurance policy. And then it pretty much goes through into your encompass quote to sign, the transfer terms application to sign, as well as a consent form for us to still remain advisers on hub twenty four so that we can actually do all the transactions and everything. So that's the four documents to sign. Do you have any questions so far?\n\nK. I do have to go through one thing with you, and then I can pretty much leave you to it. And for the transfer terms, you went through a duty of reasonable care for your Encompass application. And I just need to read out the same paragraph to you and ask you the six transfer terms question. K?\n\nSo just bear with me for a moment. And once I finish that paragraph, just let me know if you're okay for that duty. When applying for insurance, it's important that you answer the following questions to the best of your knowledge. As the applicant, you have a legal duty to take reasonable care, not to make a misrepresentation to the insurer before the contract of insurance is entered into. If this duty is not met, it can have serious impact on your insurance, such as your policy being voided or the terms of your cover may be changed, declined, or your benefit reduced.\n\nMore information about the duty to take reasonable care can be found in product disclosure statement provided to you today. Do you understand your duty to take reasonable care? Perfect. Now these six questions, I'll try and summarize the key points, but I need to kind of read most of this verbatim as well and just basically answer yes or no. Are you currently off work or unable to perform the full and normal duties of your occupation on a full time basis due to illness or injury?\n\nPerfect. Have you in the last twelve months been absent from work or unable to perform your duties due to illness or injury for more than six days? Perfect. Have you been diagnosed with or do you suffer from an illness that may cause permanent inability to work or a terminal illness? Ill?\n\nLast three, I'll kind of combine these two. Have you ever had an insurance application for life insurance, total disability, terminal illness, or income protection refused? Or the second question is offered on nonstandard terms. Amazing. And the last one, have you this is about claims.\n\nHave you ever been paid, or are you eligible to be paid or currently in the process of submitting a claim for any illness or injury compensation, workers' compensation, government benefits, or insurance policies for terminal illness, total disability, or income protection. And that's it. I'll plug all of that onto the applications, and we're good to go. Now from there, what we're pretty much gonna do is we will submit the transfer application today and finalize the consolidation of your host plus. From that point, you'll be good to the team will give you a quick call just to transfer your contributions across to make sure that's all not going to be reopened in the background.\n\nAnd then the last step will just be resubmitting that application through Encompass once the transfer terms is accepted. So if it's okay with you, I'm gonna get Jack to kind of prefill that information from last time. But as soon as you amazing. Amazing. We'll try and make it as painless as possible, but it is just, like, an updated quote and a couple of checks that you haven't had any health changes the last sort of five months or so.\n\nCool. Chrissy, I really appreciate you taking the time while you've got the little one there. Do you have any questions for me so far? Cool. The last thing for me is when you go to sign these documents, if you can try to, like, click on the signature box and draw a signature, that's usually more accepted from the providers than the stamped ones.\n\nIf you can't, the stamped one is okay. It's just we have had, I think, one or two providers that have a bit of an issue with it. Awesome. Alright. I will pretty much leave you to it.\n\nI will get the team to touch base with you pretty much every week, to give you some updates and progress the last couple of things. Are you okay for them to give you, like, a call, text, email? What would be easier? Sensational. I'll get them to send you a bit of a text, and they'll probably just have one last phone call for encompass at the end, but we'll make sure everything is kind of ticked in in force first.\n\nAmazing. Any last questions for me, Christie, before I let you go? Cool. I did have one super, super last question, which is, did you want me to kind of line up a twelve month catch up or an annual review from today going forward, or would you prefer to have a bit of a quarterly catch up in between? Yep.\n\nCool. I'll get a little bit of an annual review pack sent out to you just to give you the updated performance on how your hub's going, which has been doing really well. I think it's grown about 20,000 even with the stock market crashing. So just wanted to give you that information. Amazing.\n\nAlright, Chrissy. You have a fantastic weekend, and thank you so much for your patience. Thank you so much. Actually, I will be your dedicated adviser moving forward. We've done a bit of a restructure, so you've got a dedicated team of four people.\n\nAnd I will be speaking to you and Kurt pretty soon. No worries. Talk to you then. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Christie.","start":3.12,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.0929310992360115},{"text":"Tommy here, senior adviser from.","start":4.0,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1106422483921051},{"text":"How are you doing?","start":5.8399997,"end":6.58,"sentiment":"neutral","sentiment_score":0.1435580737888813},{"text":"I'm doing fantastic.","start":8.96,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6591997146606445},{"text":"It's a freezing Friday, and my hands are a little bit slow.","start":10.16,"end":13.059999,"sentiment":"neutral","sentiment_score":-0.12187923397868872}],"sentiment":"neutral","sentiment_score":0.07032131045483626,"num_words":26,"start":3.12,"end":13.059999},{"sentences":[{"text":"Do you still have a good time for me this morning?","start":13.599999,"end":15.86,"sentiment":"neutral","sentiment_score":0.20615543966943567},{"text":"No worries at all.","start":25.564999,"end":26.525,"sentiment":"neutral","sentiment_score":-0.000968635082244873},{"text":"I've got a no.","start":26.525,"end":28.3,"sentiment":"neutral","sentiment_score":0.12029349943622947},{"text":"That's totally fine.","start":28.3,"end":29.18,"sentiment":"neutral","sentiment_score":0.10814442733923595},{"text":"I've got a six year old and a three year old and another one on the way, so I know exactly what it's like.","start":29.18,"end":33.92,"sentiment":"neutral","sentiment_score":0.027854987187311053}],"sentiment":"neutral","sentiment_score":0.0812600493107153,"num_words":46,"start":13.599999,"end":33.92},{"sentences":[{"text":"Little bit.","start":37.5,"end":38.059998,"sentiment":"neutral","sentiment_score":-0.06387772411108017},{"text":"Little bit.","start":38.059998,"end":38.54,"sentiment":"neutral","sentiment_score":-0.025934850797057152},{"text":"I'm actually going on paternity leave next month, so I wanted to make sure I got this sorted before I went.","start":38.54,"end":44.775,"sentiment":"neutral","sentiment_score":0.007629811275927793},{"text":"Thank you very much for that.","start":48.915,"end":50.195,"sentiment":"positive","sentiment_score":0.5449357231458029},{"text":"We're finally finished building the family and ready to sleep again, but I'm glad I'll be happy when I'm 60.","start":50.195,"end":56.295,"sentiment":"neutral","sentiment_score":0.2875329304486513}],"sentiment":"neutral","sentiment_score":0.17648772225149123,"num_words":51,"start":37.5,"end":56.295},{"sentences":[{"text":"Cool.","start":60.32,"end":60.82,"sentiment":"neutral","sentiment_score":0.1424829065799713},{"text":"I'm gonna shoot this email through to you.","start":61.2,"end":63.04,"sentiment":"neutral","sentiment_score":0.09333053976297379},{"text":"I'm just gonna do a quick security check and run through the key details with you.","start":63.04,"end":67.14,"sentiment":"neutral","sentiment_score":0.07460138224996626},{"text":"Are you okay for the call to be recorded?","start":67.28,"end":69.3,"sentiment":"neutral","sentiment_score":0.027032801260550816},{"text":"Cool.","start":71.605,"end":71.845,"sentiment":"neutral","sentiment_score":0.13152138888835907}],"sentiment":"neutral","sentiment_score":0.07021616974047253,"num_words":35,"start":60.32,"end":71.845},{"sentences":[{"text":"And just for the security of your information, could you please confirm your date of birth and address?","start":71.845,"end":76.505005,"sentiment":"neutral","sentiment_score":0.044992603775527745},{"text":"Perfect.","start":82.82,"end":83.32,"sentiment":"positive","sentiment_score":0.420227587223053},{"text":"Sensational.","start":83.54,"end":84.04,"sentiment":"neutral","sentiment_score":0.25297194719314575},{"text":"I'm gonna pop this through to your Hotmail address.","start":84.66,"end":87.8,"sentiment":"neutral","sentiment_score":0.04451734489864773},{"text":"Will you be able to look on to the documents with me today, or should I just run through them with you and give you a moment after that?","start":88.020004,"end":95.335,"sentiment":"neutral","sentiment_score":0.03583026651678414}],"sentiment":"neutral","sentiment_score":0.05039310750776324,"num_words":58,"start":71.845,"end":95.335},{"sentences":[{"text":"Alright.","start":99.475,"end":99.955,"sentiment":"neutral","sentiment_score":0.010052429512143137},{"text":"So this will come through from our new system, so it may come through to your main box or your spam folder, and it should be listed as signature request from OPU Financial statement of advice in the subject heading.","start":99.955,"end":114.21,"sentiment":"neutral","sentiment_score":0.025393014913424848},{"text":"Cool.","start":116.51,"end":116.91,"sentiment":"positive","sentiment_score":0.45097965002059937},{"text":"So if you can just pop that open, there's quite quite a few documents here.","start":116.91,"end":121.15,"sentiment":"neutral","sentiment_score":-0.01075828770796458},{"text":"I do find it painful in the industry how many additional documents we send through.","start":121.15,"end":125.565,"sentiment":"negative","sentiment_score":-0.4502276420593262}],"sentiment":"neutral","sentiment_score":-0.07552828153388368,"num_words":72,"start":99.475,"end":125.565},{"sentences":[{"text":"There's some attachments there which are essentially product documents for the superannuation, the insurance policies, and everything.","start":127.225006,"end":135.405,"sentiment":"neutral","sentiment_score":-0.1791875059990322},{"text":"But inside the digital authorization link, it'll bring you to the main core documents, which is like a beachfront city logo, and that's the statement of advice.","start":136.77,"end":147.43001,"sentiment":"neutral","sentiment_score":-0.02863141052700855},{"text":"Yes.","start":155.82501,"end":156.145,"sentiment":"neutral","sentiment_score":0.015163073316216469},{"text":"So if you hit that to open it up, it'll bring you into Odoo sign.","start":156.145,"end":159.52501,"sentiment":"neutral","sentiment_score":0.03009112924337387},{"text":"It should ask you for, like, a consent to use digital signing, but it'll allow you to scroll through the documents with me before you sign.","start":159.84001,"end":168.42001,"sentiment":"neutral","sentiment_score":0.06135095297717131}],"sentiment":"neutral","sentiment_score":-0.02043698717255232,"num_words":86,"start":127.225006,"end":168.42001},{"sentences":[{"text":"Cool.","start":176.255,"end":176.49501,"sentiment":"neutral","sentiment_score":0.22817197442054749},{"text":"So you can see that sort of goal post front page.","start":176.49501,"end":179.395,"sentiment":"neutral","sentiment_score":0.16722993484952234},{"text":"Yep.","start":181.05501,"end":181.455,"sentiment":"neutral","sentiment_score":0.12876474857330322},{"text":"So if you just scroll through, this is pretty much identical to your previous statement of advice just with the addition of those transfer terms.","start":181.455,"end":190.08,"sentiment":"neutral","sentiment_score":0.08573361456394196},{"text":"So if you could pop through to page three and four where it has scope of advice, I just wanna quickly double check that with you.","start":190.14,"end":197.36,"sentiment":"neutral","sentiment_score":0.055977206820478805}],"sentiment":"neutral","sentiment_score":0.09055021480889991,"num_words":64,"start":176.255,"end":197.36},{"sentences":[{"text":"So we're focusing on the superannuation consolidation, the updated portfolio, the insurance policy, and there was a few reminders about estate planning now that you have a young child.","start":199.815,"end":213.515,"sentiment":"neutral","sentiment_score":0.035320308509057964},{"text":"We weren't doing anything in terms of trauma insurance.","start":216.67,"end":220.27,"sentiment":"neutral","sentiment_score":-0.1312766940229469},{"text":"We weren't giving you investment property advice.","start":220.27,"end":222.69,"sentiment":"neutral","sentiment_score":-0.14747867626803263},{"text":"You might be looking at a self managed super fund in the future and that kind of thing that isn't included in this advice document.","start":223.95001,"end":231.435,"sentiment":"neutral","sentiment_score":-0.05753399640321732},{"text":"Cool.","start":233.73499,"end":234.23499,"sentiment":"neutral","sentiment_score":0.3265664279460907}],"sentiment":"neutral","sentiment_score":-0.0324131762740058,"num_words":71,"start":199.815,"end":234.23499},{"sentences":[{"text":"Now if you scroll through a few more pages, we just have the goals listed there about your investments, insurances, everything that we just kind of spoke about, retirement in twenty three years.","start":234.69499,"end":245.99,"sentiment":"neutral","sentiment_score":0.08676598209774855},{"text":"But the one I wanted to double check with you is if you can go to pages eight and nine, there's an about you section.","start":246.53,"end":253.51,"sentiment":"neutral","sentiment_score":0.012961756102740765},{"text":"Just wanna make sure there hasn't been any significant changes.","start":256.315,"end":259.295,"sentiment":"neutral","sentiment_score":-0.00940351877361536},{"text":"Obviously, we still have you as a procurement officer on around about 91,000, but there was that note about you doing a few months at a different role as a bit of a temporary thing, possibly permanent afterwards.","start":259.995,"end":274.7,"sentiment":"neutral","sentiment_score":0.003831416944433984},{"text":"Fantastic.","start":282.29498,"end":282.775,"sentiment":"positive","sentiment_score":0.6925534009933472}],"sentiment":"neutral","sentiment_score":0.03674236793401782,"num_words":107,"start":234.69499,"end":282.775},{"sentences":[{"text":"101,500 increased income.","start":282.775,"end":285.75497,"sentiment":"positive","sentiment_score":0.4283680220444997},{"text":"And are you still listed as procurement officer, or do you have a new title now?","start":285.81497,"end":291.115,"sentiment":"neutral","sentiment_score":0.05401342164259404},{"text":"Procurement operations lead.","start":296.49,"end":298.59,"sentiment":"neutral","sentiment_score":0.05004621545473734},{"text":"101,500 is now set in stone.","start":299.45,"end":302.59,"sentiment":"neutral","sentiment_score":0.17405870060125986},{"text":"And when you went up to that new title, have they increased anything for you in terms of, like, going into, like, a managerial role compared to what you were doing before?","start":302.81,"end":312.48502,"sentiment":"neutral","sentiment_score":-0.035338651679921895}],"sentiment":"neutral","sentiment_score":0.03688288014382124,"num_words":60,"start":282.775,"end":312.48502},{"sentences":[{"text":"Yeah.","start":321.025,"end":321.525,"sentiment":"neutral","sentiment_score":-0.06607064604759216},{"text":"Yep.","start":325.84,"end":326.34,"sentiment":"neutral","sentiment_score":-0.023479629307985302},{"text":"And what really affects, like, the income protection is if you have a certain number of staff underneath you that you look after compared to just doing your own duties.","start":326.4,"end":336.34,"sentiment":"neutral","sentiment_score":-0.07804990261793136},{"text":"Free stuff.","start":339.175,"end":339.97498,"sentiment":"neutral","sentiment_score":0.0586362648755312},{"text":"Perfect.","start":339.97498,"end":340.375,"sentiment":"neutral","sentiment_score":0.2801145017147064}],"sentiment":"neutral","sentiment_score":-0.058104580640792845,"num_words":35,"start":321.025,"end":340.375},{"sentences":[{"text":"Perfect.","start":340.375,"end":340.875,"sentiment":"neutral","sentiment_score":0.26422157883644104},{"text":"So what I'm gonna do with encompass is I'm just gonna double check whether they can get you any, like, better occupation ratings for the pricing, but you're still listed as, like, a white collar, essentially.","start":341.335,"end":353.16,"sentiment":"neutral","sentiment_score":0.03650891496282485},{"text":"Right?","start":355.54,"end":356.04,"sentiment":"neutral","sentiment_score":0.01794508844614029},{"text":"The next page, this might be a little bit out of date, but this is your assets and liabilities with your your primary residence, investment property, boats, and vehicles.","start":356.34,"end":365.17502,"sentiment":"neutral","sentiment_score":-0.013407411631839028},{"text":"Has there been any major changes to any of those assets there?","start":365.635,"end":369.415,"sentiment":"neutral","sentiment_score":-0.05035217090820273}],"sentiment":"neutral","sentiment_score":0.007638564781297611,"num_words":79,"start":340.375,"end":369.415},{"sentences":[{"text":"Haven't Yep.","start":373.315,"end":395.125,"sentiment":"neutral","sentiment_score":-0.008738374337553978},{"text":"Two car loans, $40,000 mark.","start":395.26498,"end":398.005,"sentiment":"neutral","sentiment_score":-0.008221394009888172},{"text":"Oh, no.","start":401.24,"end":401.87997,"sentiment":"neutral","sentiment_score":-0.061055347323417664},{"text":"That's it.","start":401.87997,"end":402.69998,"sentiment":"neutral","sentiment_score":0.0034586749970912933},{"text":"We literally just spent last weekend trying to fit three baby seats in the back of our car.","start":404.36,"end":409.5,"sentiment":"neutral","sentiment_score":-0.08850445639755991}],"sentiment":"neutral","sentiment_score":-0.06092611305287172,"num_words":29,"start":373.315,"end":409.5},{"sentences":[{"text":"My wife's got a Kluger, so she was fine, but my Corolla cannot fit three.","start":409.87997,"end":413.97998,"sentiment":"neutral","sentiment_score":-0.13149155378341676},{"text":"So it's a bit of a fun one.","start":414.295,"end":417.67502,"sentiment":"neutral","sentiment_score":0.18946215859614313},{"text":"I do.","start":418.05502,"end":418.535,"sentiment":"neutral","sentiment_score":0.25101175159215927},{"text":"She's got the seven seater, but I've got my little mini one.","start":418.535,"end":422.155,"sentiment":"neutral","sentiment_score":0.12252952406803767},{"text":"Alright.","start":422.695,"end":423.095,"sentiment":"neutral","sentiment_score":0.1509404331445694}],"sentiment":"neutral","sentiment_score":0.043859004925348256,"num_words":38,"start":409.87997,"end":423.095},{"sentences":[{"text":"So that's all good.","start":423.095,"end":424.315,"sentiment":"neutral","sentiment_score":0.2549516633152962},{"text":"Now if just go through to one more page.","start":429.09003,"end":434.87003,"sentiment":"neutral","sentiment_score":0.012624833991544114},{"text":"Yep.","start":439.585,"end":439.825,"sentiment":"neutral","sentiment_score":0.07089261710643768},{"text":"So we've got the host plus the hub 24.","start":439.825,"end":442.645,"sentiment":"neutral","sentiment_score":0.057465518514315285},{"text":"That's your host plus insurance that we're transferring across for about the same price.","start":442.705,"end":447.205,"sentiment":"neutral","sentiment_score":0.05617190471717289}],"sentiment":"neutral","sentiment_score":0.06778159753948047,"num_words":37,"start":423.095,"end":447.205},{"sentences":[{"text":"Perfect.","start":449.585,"end":450.085,"sentiment":"positive","sentiment_score":0.4788488149642944},{"text":"If you go all the way through, we've still got you as a high growth investor.","start":450.625,"end":454.82,"sentiment":"positive","sentiment_score":0.33751093223690987},{"text":"Again, trying to get as much returns as possible to retire earlier.","start":454.88,"end":459.46002,"sentiment":"neutral","sentiment_score":0.2147215517858664},{"text":"And if you have a scroll through with me so we just updated the projection table on page 13.","start":461.28003,"end":466.66,"sentiment":"neutral","sentiment_score":0.10218142953358199},{"text":"And what I might do, because this is pretty well the same as before, is if you can just pop down to page twenty one and twenty two, And it should list a little bit of a blue bar talking about your insurances and a list a policy one and a policy two.","start":468.42502,"end":488.86,"sentiment":"neutral","sentiment_score":0.07703448108063554}],"sentiment":"neutral","sentiment_score":0.14336591099600982,"num_words":101,"start":449.585,"end":488.86},{"sentences":[{"text":"Cool.","start":513.96,"end":514.46,"sentiment":"positive","sentiment_score":0.35774219036102295},{"text":"So, again, we just trimmed down the encompass to fit in with the transfer terms.","start":515.64,"end":520.62,"sentiment":"neutral","sentiment_score":0.07171751546363035},{"text":"Just bear in mind that the income protection can technically be increased because of your new income, but that 5,300 a month is kind of like 70% of your your 91,000 to cover expenses.","start":521.185,"end":535.62,"sentiment":"neutral","sentiment_score":0.050497244276544624},{"text":"Just wanna double check that that's still okay, and you guys will still be able to kind of get by on on that amount.","start":535.68,"end":541.62,"sentiment":"neutral","sentiment_score":0.15229321519533792},{"text":"Perfect.","start":545.36,"end":545.86,"sentiment":"positive","sentiment_score":0.46511441469192505}],"sentiment":"neutral","sentiment_score":0.09694083742797374,"num_words":75,"start":513.96,"end":545.86},{"sentences":[{"text":"Alright.","start":546.32,"end":546.82,"sentiment":"neutral","sentiment_score":0.15655022859573364},{"text":"We were expecting a potential ankle exclusion from the surgery in 2018.","start":548.065,"end":552.945,"sentiment":"neutral","sentiment_score":-0.2995334751904011},{"text":"That's why I wanted to do the transfer first just to make sure that gets across the line.","start":552.945,"end":557.445,"sentiment":"neutral","sentiment_score":-0.2068319171667099},{"text":"And, hopefully, you won't get that, but it's just a precaution because if you were to get that, we wouldn't be able to transfer the cover.","start":557.74506,"end":565.47,"sentiment":"neutral","sentiment_score":-0.2602128959619082},{"text":"Okay.","start":567.68994,"end":568.18994,"sentiment":"neutral","sentiment_score":0.229295015335083}],"sentiment":"neutral","sentiment_score":-0.2361563148683515,"num_words":58,"start":546.32,"end":568.18994},{"sentences":[{"text":"That's pretty much everything for those documents.","start":568.81,"end":570.82996,"sentiment":"positive","sentiment_score":0.3429354429244995},{"text":"It goes through and talks about beneficiary nomination for your spouse on the new life insurance policy.","start":571.61,"end":578.975,"sentiment":"neutral","sentiment_score":0.3259483339155422},{"text":"And then it pretty much goes through into your encompass quote to sign, the transfer terms application to sign, as well as a consent form for us to still remain advisers on hub twenty four so that we can actually do all the transactions and everything.","start":581.275,"end":598.67,"sentiment":"neutral","sentiment_score":0.19569705588662106},{"text":"So that's the four documents to sign.","start":598.67,"end":601.49,"sentiment":"neutral","sentiment_score":0.08329227034534727},{"text":"Do you have any questions so far?","start":601.70996,"end":603.56995,"sentiment":"neutral","sentiment_score":0.03100796602666378}],"sentiment":"neutral","sentiment_score":0.21123614288600429,"num_words":84,"start":568.81,"end":603.56995},{"sentences":[{"text":"K.","start":606.65497,"end":607.15497,"sentiment":"neutral","sentiment_score":-0.13724181056022644},{"text":"I do have to go through one thing with you, and then I can pretty much leave you to it.","start":607.295,"end":612.515,"sentiment":"neutral","sentiment_score":-0.1132761687040329},{"text":"And for the transfer terms, you went through a duty of reasonable care for your Encompass application.","start":613.055,"end":618.755,"sentiment":"neutral","sentiment_score":0.01200911567053374},{"text":"And I just need to read out the same paragraph to you and ask you the six transfer terms question.","start":619.38995,"end":624.76996,"sentiment":"neutral","sentiment_score":0.013877219427376986},{"text":"K?","start":626.99,"end":627.49,"sentiment":"neutral","sentiment_score":0.03246045857667923}],"sentiment":"neutral","sentiment_score":-0.03201026052741681,"num_words":59,"start":606.65497,"end":627.49},{"sentences":[{"text":"So just bear with me for a moment.","start":627.55,"end":629.25,"sentiment":"neutral","sentiment_score":0.06747449468821287},{"text":"And once I finish that paragraph, just let me know if you're okay for that duty.","start":629.31,"end":634.445,"sentiment":"neutral","sentiment_score":0.14457529596984386},{"text":"When applying for insurance, it's important that you answer the following questions to the best of your knowledge.","start":636.58496,"end":641.325,"sentiment":"neutral","sentiment_score":0.06438302641941442},{"text":"As the applicant, you have a legal duty to take reasonable care, not to make a misrepresentation to the insurer before the contract of insurance is entered into.","start":641.545,"end":651.04,"sentiment":"neutral","sentiment_score":-0.04808547427611692},{"text":"If this duty is not met, it can have serious impact on your insurance, such as your policy being voided or the terms of your cover may be changed, declined, or your benefit reduced.","start":651.33997,"end":661.575,"sentiment":"neutral","sentiment_score":-0.28252433634856167}],"sentiment":"neutral","sentiment_score":-0.06673389949047795,"num_words":104,"start":627.55,"end":661.575},{"sentences":[{"text":"More information about the duty to take reasonable care can be found in product disclosure statement provided to you today.","start":661.875,"end":668.53503,"sentiment":"neutral","sentiment_score":0.03253570441156626},{"text":"Do you understand your duty to take reasonable care?","start":669.075,"end":672.21,"sentiment":"neutral","sentiment_score":0.020394715583986707},{"text":"Perfect.","start":674.77,"end":675.27,"sentiment":"positive","sentiment_score":0.4262371063232422},{"text":"Now these six questions, I'll try and summarize the key points, but I need to kind of read most of this verbatim as well and just basically answer yes or no.","start":675.41003,"end":684.405,"sentiment":"neutral","sentiment_score":0.08801713585853577},{"text":"Are you currently off work or unable to perform the full and normal duties of your occupation on a full time basis due to illness or injury?","start":686.325,"end":695.145,"sentiment":"neutral","sentiment_score":-0.1047239927230058}],"sentiment":"neutral","sentiment_score":0.013198716396635229,"num_words":88,"start":661.875,"end":695.145},{"sentences":[{"text":"Perfect.","start":697.94,"end":698.44,"sentiment":"neutral","sentiment_score":-0.02453740686178207},{"text":"Have you in the last twelve months been absent from work or unable to perform your duties due to illness or injury for more than six days?","start":698.57996,"end":707.16,"sentiment":"neutral","sentiment_score":-0.10919158008915407},{"text":"Perfect.","start":709.475,"end":709.975,"sentiment":"neutral","sentiment_score":0.04589978605508804},{"text":"Have you been diagnosed with or do you suffer from an illness that may cause permanent inability to work or a terminal 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have you this is about claims.","start":740.775,"end":743.995,"sentiment":"neutral","sentiment_score":-0.02354387044906616}],"sentiment":"neutral","sentiment_score":-0.05860652671317044,"num_words":46,"start":721.89,"end":743.995},{"sentences":[{"text":"Have you ever been paid, or are you eligible to be paid or currently in the process of submitting a claim for any illness or injury compensation, workers' compensation, government benefits, or insurance policies for terminal illness, total disability, or income protection.","start":744.295,"end":764.35504,"sentiment":"neutral","sentiment_score":-0.0192275939154483},{"text":"And that's it.","start":767.935,"end":768.995,"sentiment":"neutral","sentiment_score":0.09810961782932281},{"text":"I'll plug all of that onto the applications, and we're good to go.","start":769.695,"end":773.395,"sentiment":"neutral","sentiment_score":0.2569149915988629},{"text":"Now from there, what we're pretty much gonna do is we will submit the transfer 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time.","start":806.37,"end":812.47003,"sentiment":"neutral","sentiment_score":0.03886371968608154},{"text":"But as soon as you amazing.","start":812.865,"end":815.365,"sentiment":"neutral","sentiment_score":0.24976676826675734},{"text":"Amazing.","start":815.585,"end":816.085,"sentiment":"positive","sentiment_score":0.3933094739913941},{"text":"We'll try and make it as painless as possible, but it is just, like, an updated quote and a couple of checks that you haven't had any health changes the last sort of five months or so.","start":816.465,"end":826.805,"sentiment":"neutral","sentiment_score":0.19792110664216248}],"sentiment":"neutral","sentiment_score":0.13562490904658306,"num_words":82,"start":797.40497,"end":826.805},{"sentences":[{"text":"Cool.","start":829.31,"end":829.81,"sentiment":"positive","sentiment_score":0.4239470064640045},{"text":"Chrissy, I really appreciate you taking the time while you've got the little one 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would be easier?","start":876.565,"end":877.625,"sentiment":"neutral","sentiment_score":0.061906180344522},{"text":"Sensational.","start":883.46,"end":883.96,"sentiment":"neutral","sentiment_score":0.24251294136047363},{"text":"I'll get them to send you a bit of a text, and they'll probably just have one last phone call for encompass at the end, but we'll make sure everything is kind of ticked in in force first.","start":884.10004,"end":893.715,"sentiment":"neutral","sentiment_score":0.08347112803082717}],"sentiment":"neutral","sentiment_score":0.14215931555301678,"num_words":82,"start":865.98,"end":893.715},{"sentences":[{"text":"Amazing.","start":896.11505,"end":896.435,"sentiment":"positive","sentiment_score":0.4964529871940613},{"text":"Any last questions for me, Christie, before I let you go?","start":896.435,"end":898.935,"sentiment":"neutral","sentiment_score":0.17432210323485461},{"text":"Cool.","start":901.955,"end":902.455,"sentiment":"neutral","sentiment_score":0.1812969446182251},{"text":"I did have one super, super last question, which is, did you want me to kind of line up a twelve month catch up or an annual review from today going forward, or would you prefer to have a bit of a quarterly catch up in between?","start":902.99506,"end":916.99,"sentiment":"neutral","sentiment_score":0.03726709104995144},{"text":"Yep.","start":922.105,"end":922.505,"sentiment":"neutral","sentiment_score":0.21537010371685028}],"sentiment":"neutral","sentiment_score":0.07479043361410255,"num_words":61,"start":896.11505,"end":922.505},{"sentences":[{"text":"Cool.","start":922.505,"end":922.985,"sentiment":"positive","sentiment_score":0.3906234800815582},{"text":"I'll get a little bit of an annual review pack sent out to you just to give you the updated performance on how your hub's going, which has been doing really well.","start":922.985,"end":930.265,"sentiment":"positive","sentiment_score":0.3811287684366107},{"text":"I think it's grown about 20,000 even with the stock market crashing.","start":930.265,"end":934.21,"sentiment":"neutral","sentiment_score":0.30150894572337467},{"text":"So just wanted to give you that information.","start":934.27,"end":936.29004,"sentiment":"positive","sentiment_score":0.44766320660710335},{"text":"Amazing.","start":939.15,"end":939.55,"sentiment":"positive","sentiment_score":0.6212398409843445}],"sentiment":"positive","sentiment_score":0.3779147576402735,"num_words":54,"start":922.505,"end":939.55},{"sentences":[{"text":"Alright, Chrissy.","start":939.55,"end":940.19,"sentiment":"positive","sentiment_score":0.5039225667715073},{"text":"You have a fantastic weekend, and thank you so much for your patience.","start":940.19,"end":943.25,"sentiment":"positive","sentiment_score":0.6747936652256892},{"text":"Thank you so much.","start":948.245,"end":949.125,"sentiment":"positive","sentiment_score":0.49619410932064056},{"text":"Actually, I will be your dedicated adviser moving forward.","start":949.125,"end":952.885,"sentiment":"neutral","sentiment_score":0.3029748851226436},{"text":"We've done a bit of a restructure, so you've got a dedicated team of four people.","start":952.885,"end":956.90497,"sentiment":"neutral","sentiment_score":0.29380893521010876}],"sentiment":"positive","sentiment_score":0.43619673064147885,"num_words":44,"start":939.55,"end":956.90497},{"sentences":[{"text":"And I will be speaking to you and Kurt pretty soon.","start":957.285,"end":961.68,"sentiment":"positive","sentiment_score":0.5274240130727942},{"text":"No worries.","start":964.78,"end":965.52,"sentiment":"neutral","sentiment_score":0.14990897476673126},{"text":"Talk to you then.","start":965.9,"end":966.54004,"sentiment":"neutral","sentiment_score":0.20654505118727684},{"text":"Bye.","start":966.54004,"end":967.04004,"sentiment":"neutral","sentiment_score":0.2052420079708099}],"sentiment":"positive","sentiment_score":0.3962724614474509,"num_words":18,"start":957.285,"end":967.04004}]}}]},{"alternatives":[{"transcript":"Hello. Christie speaking. Good. Thank you. How are you? Nice. I do. Yes. I'll just let you know, I do have my two year old daughter in the background. So if I need to run off or she's being noisy, that's why. Sorry about that. I'll do my best. Oh my goodness. Yes. Very busy for you then. Hang on, darling. Oh, yes. Yeah. I'm under you saying that. Congratulations. That's really exciting. Yes. Absolutely. Mhmm. Yeah. That's fine. Thank you. The 05/25/1988, 14 Acacia Street, Primrose Inn. Yep. No. That's fine. I'm at the computer now, so ready to look at them. Okay. Perfect. Got it here now. Mhmm. Okay. So do I need to click on find document to open it up? Or yep. Okay. Cool. Yep. Okay. Great. Perfect. And, sorry, what which page did you want me to look at? So I've just opened up the document. Yes. Yes. 30. Yep. Yeah. Perfect. I'm having a little rate. Yeah. Perfect. That looks good. Yes. Yeah. Perfect. Yep. Yes. Yes. So that is now permanent. So my income has increased to the 101,500 annually. So my new title is procurement operations leave. Mhmm. Sorry. In terms of what the could you just explain that a little bit more? Sorry. It it's it's not really a manager role. It's more of like a a team leader supervisory role. Okay. So three staff. Yep. Perfect. So work vehicle, motor vehicle. So the $16,000 motor vehicle, we sold that one. So we have two car loans now. So they're both at the $40,000 mark. Yep. Yeah. I had to get a bigger car. And, you know, with all the stuff. No. That one. Oh my god. Oh, no. You need a seven seater. Like hang on, darling. Is it take up so much space? Yeah. Hang on, doll. Hang on. Hang on. Hang on. Do you wanna play with this one? This one. Yep. So I just go over to superannuation. Yeah. Perfect. Yep. That sounds good. Hang on, Holly. Excellent. Yep. Yep. Mhmm. Yeah. Cool. So this is mhmm. Yep. Yep. They both sound good. Yep. Yes. Yeah. That'd be great. Yep. Mhmm. Okay. Right. Yep. Lovely. Mhmm. Mhmm. Yes. No. No. That's all good. Mhmm. Sure. Yep. Yep. Yes. Yep. Okay. No. Nine. Nine. Mhmm. No. Nine. Excellent. Lovely. Yep. Okay. Yep. Mhmm. Take it. Yeah. That's fine. Yep. Yeah. That's fine. No. All good. Thank you. Yes. Yeah. No problems at all. Yes. Probably just a text message would be great. Mhmm. Yeah. Lovely. Mama. No. All good here. Thanks. Mama. Hang on. Mama. Mama. I'm I'm quite comfortable with an annual one. Excellent. Fabulous. That's great. Thank you. You too. If I don't speak to you, all the best with the new bub. Oh, great. Oh, excellent. Thank you so much. We'll talk to you then. Alright. See you later. 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Christie speaking. Good. Thank you. How are you?\n\nNice. I do. Yes. I'll just let you know, I do have my two year old daughter in the background. So if I need to run off or she's being noisy, that's why.\n\nSorry about that. I'll do my best. Oh my goodness. Yes. Very busy for you then.\n\nHang on, darling. Oh, yes. Yeah. I'm under you saying that. Congratulations.\n\nThat's really exciting. Yes. Absolutely. Mhmm. Yeah.\n\nThat's fine. Thank you. The 05/25/1988, 14 Acacia Street, Primrose Inn. Yep. No.\n\nThat's fine. I'm at the computer now, so ready to look at them. Okay. Perfect. Got it here now.\n\nMhmm. Okay. So do I need to click on find document to open it up? Or yep. Okay.\n\nCool. Yep. Okay. Great. Perfect.\n\nAnd, sorry, what which page did you want me to look at? So I've just opened up the document. Yes. Yes. 30.\n\nYep. Yeah. Perfect. I'm having a little rate. Yeah.\n\nPerfect. That looks good. Yes. Yeah. Perfect.\n\nYep. Yes. Yes. So that is now permanent. So my income has increased to the 101,500 annually.\n\nSo my new title is procurement operations leave. Mhmm. Sorry. In terms of what the could you just explain that a little bit more? Sorry.\n\nIt it's it's not really a manager role. It's more of like a a team leader supervisory role. Okay. So three staff. Yep.\n\nPerfect. So work vehicle, motor vehicle. So the $16,000 motor vehicle, we sold that one. So we have two car loans now. So they're both at the $40,000 mark.\n\nYep. Yeah. I had to get a bigger car. And, you know, with all the stuff. No.\n\nThat one. Oh my god. Oh, no. You need a seven seater. Like hang on, darling.\n\nIs it take up so much space? Yeah. Hang on, doll. Hang on. Hang on.\n\nHang on. Do you wanna play with this one? This one. Yep. So I just go over to superannuation.\n\nYeah. Perfect. Yep. That sounds good. Hang on, Holly.\n\nExcellent. Yep. Yep. Mhmm. Yeah.\n\nCool. So this is mhmm. Yep. Yep. They both sound good.\n\nYep. Yes. Yeah. That'd be great. Yep.\n\nMhmm. Okay. Right. Yep. Lovely.\n\nMhmm. Mhmm. Yes. No. No.\n\nThat's all good. Mhmm. Sure. Yep. Yep.\n\nYes. Yep. Okay. No. Nine.\n\nNine. Mhmm. No. Nine. Excellent.\n\nLovely. Yep. Okay. Yep. Mhmm.\n\nTake it. Yeah. That's fine. Yep. Yeah.\n\nThat's fine. No. All good. Thank you. Yes.\n\nYeah. No problems at all. Yes. Probably just a text message would be great. Mhmm.\n\nYeah. Lovely. Mama. No. All good here.\n\nThanks. Mama. Hang on. Mama. Mama.\n\nI'm I'm quite comfortable with an annual one. Excellent. Fabulous. That's great. Thank you.\n\nYou too. If I don't speak to you, all the best with the new bub. Oh, great. Oh, excellent. Thank you so much.\n\nWe'll talk to you then. Alright. See you later. 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later.","start":966.9649,"end":967.6849,"sentiment":"neutral","sentiment_score":0.28592367966969806},{"text":"Bye.","start":967.6849,"end":968.1849,"sentiment":"neutral","sentiment_score":-0.1284886598587036}],"sentiment":"neutral","sentiment_score":0.3141572386026382,"num_words":10,"start":964.0049,"end":968.1849}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Christie speaking.\n\nChannel 0: Hi, Christie. Tommy here, senior adviser from. How are you doing?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm doing fantastic. It's a freezing Friday, and my hands are a little bit slow. Do you still\n\nChannel 1: Nice.\n\nChannel 0: have a good time for me this morning?\n\nChannel 1: I do. Yes. I'll just let you know, I do have my two year old daughter in the background. So if I need to run off or she's being noisy, that's why.\n\nChannel 0: No\n\nChannel 1: Sorry\n\nChannel 0: worries\n\nChannel 1: about\n\nChannel 0: at\n\nChannel 1: that.\n\nChannel 0: all.\n\nChannel 1: I'll\n\nChannel 0: I've got\n\nChannel 1: do\n\nChannel 0: a\n\nChannel 1: my best.\n\nChannel 0: no. That's totally fine. I've got a six year old and a three year old and another one on the way, so I know exactly\n\nChannel 1: Oh my\n\nChannel 0: what\n\nChannel 1: goodness.\n\nChannel 0: it's like.\n\nChannel 1: Yes. Very busy for you then.\n\nChannel 0: Little bit. Little bit. I'm\n\nChannel 1: Hang\n\nChannel 0: actually\n\nChannel 1: on,\n\nChannel 0: going\n\nChannel 1: darling.\n\nChannel 0: on paternity leave next month, so I wanted\n\nChannel 1: Oh,\n\nChannel 0: to make\n\nChannel 1: yes.\n\nChannel 0: sure I got this sorted before I went.\n\nChannel 1: Yeah. I'm under you saying that. Congratulations. That's really exciting.\n\nChannel 0: Thank you very much for that. We're finally finished building the family and ready to sleep again, but I'm\n\nChannel 1: Yes.\n\nChannel 0: glad I'll be happy\n\nChannel 1: Absolutely.\n\nChannel 0: when I'm 60. Cool. I'm gonna shoot this email through to you. I'm just gonna do a quick security check and run through the key details with you. Are you okay for the call to be recorded?\n\nChannel 1: Mhmm. Yeah. That's fine. Thank you.\n\nChannel 0: Cool. And just for the security of your information, could you please confirm your date of birth and address?\n\nChannel 1: The 05/25/1988, 14 Acacia Street, Primrose Inn.\n\nChannel 0: Perfect. Sensational. I'm gonna pop this through to your Hotmail address. Will you be able to look on to the documents with me today, or should I just run through them with you and\n\nChannel 1: Yep.\n\nChannel 0: give you a moment after that?\n\nChannel 1: No. That's fine. I'm at the computer now, so ready to look\n\nChannel 0: Alright.\n\nChannel 1: at them.\n\nChannel 0: So this will come through from our new system, so it may come through to your main box or your spam folder, and\n\nChannel 1: Okay.\n\nChannel 0: it should be listed as signature request from OPU Financial statement of advice in the subject\n\nChannel 1: Perfect.\n\nChannel 0: heading.\n\nChannel 1: Got it here now.\n\nChannel 0: Cool. So if you can just pop that open, there's quite quite a few documents here. I do find it painful in the industry how many additional documents we send through. There's some attachments there which are essentially product documents for the superannuation, the insurance policies, and everything.\n\nChannel 1: Mhmm.\n\nChannel 0: But inside the digital authorization link, it'll bring you to the main core documents, which is like a beachfront city logo, and that's the statement of advice.\n\nChannel 1: Okay. So do I need to click on find document to open it up? Or\n\nChannel 0: Yes. So if you hit that to open it up, it'll bring you into\n\nChannel 1: yep. Okay.\n\nChannel 0: Odoo\n\nChannel 1: Cool.\n\nChannel 0: sign. It should ask you for, like, a consent to use digital signing, but\n\nChannel 1: Yep.\n\nChannel 0: it'll allow you to scroll through the documents with me before you sign.\n\nChannel 1: Okay. Great. Perfect. And, sorry, what which page did you want me to look at? So I've just opened up the document.\n\nChannel 0: Cool. So you can see that sort of goal post front page.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So if you just scroll through, this is pretty much identical to your previous statement of advice just with the\n\nChannel 1: Yes.\n\nChannel 0: addition of those transfer terms. So if you could pop through to page three and four where it has scope of advice, I just wanna\n\nChannel 1: 30.\n\nChannel 0: quickly double check that with you.\n\nChannel 1: Yep.\n\nChannel 0: So we're focusing on the superannuation consolidation, the updated portfolio, the insurance policy, and there was a few reminders about estate planning now that you have a young child.\n\nChannel 1: Yeah. Perfect. I'm having a little\n\nChannel 0: We\n\nChannel 1: rate.\n\nChannel 0: weren't doing anything in terms of trauma insurance. We weren't giving you investment property advice. You might be looking at a self managed super fund in the future and that kind of thing that isn't included in this advice document.\n\nChannel 1: Yeah. Perfect. That looks good.\n\nChannel 0: Cool. Now if you scroll through a few more pages, we just have the goals listed there about your investments, insurances, everything that we just kind of spoke about, retirement in twenty three years. But\n\nChannel 1: Yes.\n\nChannel 0: the one I wanted to double check with you is if you can go to pages eight and nine, there's an about you section.\n\nChannel 1: Yeah. Perfect. Yep.\n\nChannel 0: Just wanna make sure there hasn't been any significant changes. Obviously, we still have you as a procurement officer on around about 91,000, but there was that note about you doing a few months at a different role as a bit of\n\nChannel 1: Yes.\n\nChannel 0: a temporary thing, possibly\n\nChannel 1: Yes.\n\nChannel 0: permanent afterwards.\n\nChannel 1: So that is now permanent. So my income has increased to the 101,500 annually.\n\nChannel 0: Fantastic. 101,500 increased income. And are you still listed as procurement officer, or do you have a new title now?\n\nChannel 1: So my new title is procurement operations leave.\n\nChannel 0: Procurement operations lead. 101,500 is now set in stone. And\n\nChannel 1: Mhmm.\n\nChannel 0: when you went up to that new title, have they increased anything for you in terms of, like, going into, like, a managerial role compared to what you were doing before?\n\nChannel 1: Sorry. In terms of what the could you just explain that a little bit more? Sorry. It it's it's not really\n\nChannel 0: Yeah.\n\nChannel 1: a manager role. It's more of like a a team leader supervisory role.\n\nChannel 0: Yep. And what really affects, like, the income protection is if you have a certain number of staff underneath you that you look after compared\n\nChannel 1: Okay.\n\nChannel 0: to just doing your own duties.\n\nChannel 1: So three staff.\n\nChannel 0: Free stuff. Perfect. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So what I'm gonna do with encompass is I'm just gonna double check whether they can get you any, like, better occupation\n\nChannel 1: Perfect.\n\nChannel 0: ratings for the pricing, but you're still listed as, like, a white collar, essentially. Right? The next page, this might be a little bit out of date, but this is your assets and liabilities with your your primary residence, investment property, boats, and vehicles. Has there been any major changes to any of those assets there? Haven't\n\nChannel 1: So work vehicle, motor vehicle. So the $16,000 motor vehicle, we sold that one. So we have two car loans now. So they're both at the $40,000 mark.\n\nChannel 0: Yep. Two car\n\nChannel 1: Yep.\n\nChannel 0: loans, $40,000 mark.\n\nChannel 1: Yeah. I had to get a bigger car.\n\nChannel 0: Oh,\n\nChannel 1: And, you\n\nChannel 0: no.\n\nChannel 1: know,\n\nChannel 0: That's\n\nChannel 1: with\n\nChannel 0: it.\n\nChannel 1: all the stuff.\n\nChannel 0: We literally just spent last\n\nChannel 1: No.\n\nChannel 0: weekend\n\nChannel 1: That one.\n\nChannel 0: trying to fit three baby seats in the back of our car.\n\nChannel 1: Oh my\n\nChannel 0: My\n\nChannel 1: god.\n\nChannel 0: wife's got a Kluger, so she was fine, but my Corolla cannot fit three.\n\nChannel 1: Oh, no.\n\nChannel 0: So\n\nChannel 1: You need\n\nChannel 0: it's\n\nChannel 1: a seven\n\nChannel 0: a bit\n\nChannel 1: seater.\n\nChannel 0: of a fun one. I do. She's got\n\nChannel 1: Like\n\nChannel 0: the seven seater, but I've got my little\n\nChannel 1: hang on, darling.\n\nChannel 0: mini one. Alright.\n\nChannel 1: Is it\n\nChannel 0: So\n\nChannel 1: take\n\nChannel 0: that's\n\nChannel 1: up\n\nChannel 0: all\n\nChannel 1: so\n\nChannel 0: good.\n\nChannel 1: much space? Yeah. Hang on, doll. Hang on. Hang on.\n\nHang on. Do you\n\nChannel 0: Now\n\nChannel 1: wanna play with this\n\nChannel 0: if\n\nChannel 1: one?\n\nChannel 0: just go through to\n\nChannel 1: This\n\nChannel 0: one\n\nChannel 1: one.\n\nChannel 0: more page.\n\nChannel 1: Yep. So I just go over to superannuation.\n\nChannel 0: Yep. So we've got the host plus the hub 24. That's your host plus insurance that we're transferring across for about the same price.\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Perfect. If you go all the way through, we've still got you as a high growth investor. Again, trying to get as much returns as possible to retire earlier.\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: And if you have a scroll through with me so we just updated the\n\nChannel 1: Hang\n\nChannel 0: projection\n\nChannel 1: on, Holly.\n\nChannel 0: table on page 13. And\n\nChannel 1: Excellent.\n\nChannel 0: what\n\nChannel 1: Yep.\n\nChannel 0: I might do, because this is pretty well the same as before, is if you can just pop down to page twenty one and twenty two,\n\nChannel 1: Yep.\n\nChannel 0: And it should list a little bit of a blue bar talking about your insurances and a list a policy one and a policy two.\n\nChannel 1: Mhmm. Yeah. Cool. So this is mhmm. Yep.\n\nYep. They both sound\n\nChannel 0: Cool.\n\nChannel 1: good.\n\nChannel 0: So, again, we just trimmed down\n\nChannel 1: Yep.\n\nChannel 0: the encompass to fit in with the transfer terms. Just bear in mind that the income protection can technically be increased because of your new income, but that\n\nChannel 1: Yes.\n\nChannel 0: 5,300 a month is kind of like 70% of your your 91,000 to cover expenses. Just wanna double check that that's still okay, and you guys will still be able to kind of get by on on that amount.\n\nChannel 1: Yeah. That'd be great. Yep.\n\nChannel 0: Perfect. Alright. We were expecting a potential ankle exclusion from the surgery in 2018. That's why I wanted to do the transfer first just to make sure that gets across the line. And,\n\nChannel 1: Mhmm.\n\nChannel 0: hopefully, you won't get that, but it's just a precaution because if you were to get that, we wouldn't be able to transfer the cover.\n\nChannel 1: Okay. Right. Yep.\n\nChannel 0: Okay. That's pretty much everything for those documents. It goes\n\nChannel 1: Lovely.\n\nChannel 0: through and talks about beneficiary nomination for your spouse on the new life insurance policy.\n\nChannel 1: Mhmm.\n\nChannel 0: And then it pretty much goes through into your encompass quote to sign, the transfer terms application to sign, as well as a consent form for us to still remain advisers on hub twenty four so that we can actually do all the transactions and everything.\n\nChannel 1: Mhmm.\n\nChannel 0: So that's the four documents to sign. Do you have any\n\nChannel 1: Yes.\n\nChannel 0: questions so far?\n\nChannel 1: No.\n\nChannel 0: K.\n\nChannel 1: No. That's\n\nChannel 0: I\n\nChannel 1: all\n\nChannel 0: do\n\nChannel 1: good.\n\nChannel 0: have to go through one thing with you, and then I can pretty much leave you to it.\n\nChannel 1: Mhmm.\n\nChannel 0: And for the transfer terms, you went through a duty of reasonable care for your Encompass application. And I just need to read out the same paragraph to you and ask you the six transfer terms question.\n\nChannel 1: Sure.\n\nChannel 0: K? So just bear with me for a moment. And\n\nChannel 1: Yep.\n\nChannel 0: once I finish that paragraph, just let me know if you're okay for that duty.\n\nChannel 1: Yep.\n\nChannel 0: When applying for insurance, it's important that you answer the following questions to the best of your knowledge. As the applicant, you have a legal duty to take reasonable care, not to make a misrepresentation to the insurer before the contract of insurance is entered into. If this duty is not met, it can have serious impact on your insurance, such as your policy being voided or the terms of your cover may be changed, declined, or your benefit reduced. More information about the duty to take reasonable care can be found in product disclosure statement provided to you today. Do you understand your duty to take reasonable care?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now these six questions, I'll try and summarize the key points, but I need to kind of read most of this verbatim as well and\n\nChannel 1: Yep.\n\nChannel 0: just basically answer yes or no.\n\nChannel 1: Okay.\n\nChannel 0: Are you currently off work or unable to perform the full and normal duties of your occupation on a full time basis due to illness or injury?\n\nChannel 1: No.\n\nChannel 0: Perfect. Have you in the last twelve months been absent from work or unable to perform your duties due to illness or injury for more than six days?\n\nChannel 1: Nine.\n\nChannel 0: Perfect. Have you been diagnosed with or do you suffer from an illness that may cause permanent inability to work or a terminal illness?\n\nChannel 1: Nine.\n\nChannel 0: Ill? Last three, I'll kind of combine these two. Have\n\nChannel 1: Mhmm.\n\nChannel 0: you ever had an insurance application for life insurance, total disability, terminal illness, or income protection refused? Or the second question is offered on nonstandard terms.\n\nChannel 1: No.\n\nChannel 0: Amazing. And the last one, have you this is about claims. Have you ever been paid, or are you eligible to be paid or currently in the process of submitting a claim for any illness or injury compensation, workers' compensation, government benefits, or insurance policies for terminal illness, total disability, or income protection.\n\nChannel 1: Nine.\n\nChannel 0: And that's it. I'll plug all of that onto the applications, and we're good to go.\n\nChannel 1: Excellent. Lovely.\n\nChannel 0: Now from there, what we're pretty much gonna do is we will submit the transfer application today and\n\nChannel 1: Yep.\n\nChannel 0: finalize the consolidation of your host plus.\n\nChannel 1: Okay.\n\nChannel 0: From that point, you'll be good to the team will give you a quick call just to transfer your contributions across to make sure that's all not going to be reopened in the background.\n\nChannel 1: Yep.\n\nChannel 0: And then the last step will just be resubmitting\n\nChannel 1: Mhmm.\n\nChannel 0: that application through Encompass once the transfer terms is accepted. So if\n\nChannel 1: Take\n\nChannel 0: it's\n\nChannel 1: it.\n\nChannel 0: okay with you, I'm gonna get Jack to kind of prefill that information from last time.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: That's\n\nChannel 0: as\n\nChannel 1: fine.\n\nChannel 0: soon as you amazing. Amazing. We'll try and make it as painless as possible, but it is just, like, an updated quote and a couple of checks that you haven't had any health changes the\n\nChannel 1: Yep.\n\nChannel 0: last sort of five months or so.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Cool. Chrissy, I really appreciate you taking the time while you've got the little one there. Do you have any questions for me so far?\n\nChannel 1: No. All good. Thank you.\n\nChannel 0: Cool. The last thing for me is when you go to sign these documents, if you can try to, like, click on the signature box and draw a signature, that's usually more accepted from the providers than the stamped ones. If you\n\nChannel 1: Yes.\n\nChannel 0: can't, the stamped one is okay. It's just we have had, I think, one or two providers that have a bit of an issue with it.\n\nChannel 1: Yeah. No problems at all.\n\nChannel 0: Awesome. Alright. I will pretty much leave you to it. I will get the team to touch base with you pretty much every week, to give you some updates and progress the last couple of things. Are you okay for them to give you, like, a call, text, email?\n\nWhat\n\nChannel 1: Yes.\n\nChannel 0: would be easier?\n\nChannel 1: Probably just a text message would be great.\n\nChannel 0: Sensational. I'll get them to send you a bit of a text, and they'll probably just have one last phone call for encompass at the end, but\n\nChannel 1: Mhmm.\n\nChannel 0: we'll make sure everything is kind of ticked in in force first.\n\nChannel 1: Yeah. Lovely.\n\nChannel 0: Amazing. Any last questions for me, Christie, before I let you go?\n\nChannel 1: Mama. No. All good here. Thanks. Mama.\n\nChannel 0: Cool.\n\nChannel 1: Hang on.\n\nChannel 0: I\n\nChannel 1: Mama.\n\nChannel 0: did have one super, super last\n\nChannel 1: Mama.\n\nChannel 0: question, which is, did you want me to kind of line up a twelve month catch up or an annual review from today going forward, or would you prefer to have a bit of a quarterly catch up in between?\n\nChannel 1: I'm I'm quite comfortable with an annual one.\n\nChannel 0: Yep. Cool. I'll get a little bit of an annual review pack sent out to you just to give you the updated performance on how your hub's going, which has been doing really well. I think it's grown\n\nChannel 1: Excellent.\n\nChannel 0: about 20,000 even with the stock market crashing. So just\n\nChannel 1: Fabulous.\n\nChannel 0: wanted to give you that information.\n\nChannel 1: That's great.\n\nChannel 0: Amazing. Alright, Chrissy. You have a fantastic weekend, and thank you so much for your patience.\n\nChannel 1: Thank you. You too. If I don't speak to you, all the best with the new bub.\n\nChannel 0: Thank you so much. Actually, I will be your dedicated adviser moving forward. We've done a bit of a restructure, so you've got a dedicated team of four people.\n\nChannel 1: Oh,\n\nChannel 0: And\n\nChannel 1: great.\n\nChannel 0: I will be speaking to you and Kurt pretty soon.\n\nChannel 1: Oh, excellent. Thank you so much. We'll talk to you then.\n\nChannel 0: No worries. Talk\n\nChannel 1: Alright.\n\nChannel 0: to you then. Bye.\n\nChannel 1: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.12,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.02121579647064209},{"text":"Christie speaking.","start":1.5999999,"end":2.5,"sentiment":"neutral","sentiment_score":0.01868080161511898}],"sentiment":"neutral","sentiment_score":0.01952579990029335,"channel":1,"num_words":3,"start":1.12,"end":2.5},{"sentences":[{"text":"Hi, Christie.","start":3.12,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.0929310992360115},{"text":"Tommy here, senior adviser from.","start":4.0,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1106422483921051},{"text":"How are you doing?","start":5.8399997,"end":6.58,"sentiment":"neutral","sentiment_score":0.1435580737888813}],"sentiment":"neutral","sentiment_score":0.1193914305080067,"channel":0,"num_words":11,"start":3.12,"end":6.58},{"sentences":[{"text":"Good.","start":6.8799996,"end":7.2,"sentiment":"positive","sentiment_score":0.4758940041065216},{"text":"Thank 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you pretty much every week, to give you some updates and progress the last couple of things.","start":865.98,"end":873.145,"sentiment":"neutral","sentiment_score":0.2647170934539575},{"text":"Are you okay for them to give you, like, a call, text, email?","start":873.445,"end":876.565,"sentiment":"neutral","sentiment_score":0.0855676090488067}],"sentiment":"neutral","sentiment_score":0.23372940460638125,"channel":0,"num_words":49,"start":862.62,"end":876.565},{"sentences":[{"text":"What","start":876.565,"end":876.805,"sentiment":"neutral","sentiment_score":0.03990449383854866}],"sentiment":"neutral","sentiment_score":0.03990449383854866,"channel":0,"num_words":1,"start":876.565,"end":876.805},{"sentences":[{"text":"Yes.","start":876.605,"end":877.105,"sentiment":"neutral","sentiment_score":0.05284437909722328}],"sentiment":"neutral","sentiment_score":0.05284437909722328,"channel":1,"num_words":1,"start":876.605,"end":877.105},{"sentences":[{"text":"would be 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but","start":884.10004,"end":890.34,"sentiment":"neutral","sentiment_score":0.08585867328712574}],"sentiment":"neutral","sentiment_score":0.09166068321576824,"channel":0,"num_words":27,"start":883.46,"end":890.34},{"sentences":[{"text":"Mhmm.","start":890.33997,"end":890.83997,"sentiment":"neutral","sentiment_score":0.016081666573882103}],"sentiment":"neutral","sentiment_score":0.016081666573882103,"channel":1,"num_words":1,"start":890.33997,"end":890.83997},{"sentences":[{"text":"we'll make sure everything is kind of ticked in in force first.","start":890.34,"end":893.715,"sentiment":"neutral","sentiment_score":0.07829811330884695}],"sentiment":"neutral","sentiment_score":0.07829811330884695,"channel":0,"num_words":12,"start":890.34,"end":893.715},{"sentences":[{"text":"Yeah.","start":894.26,"end":894.57996,"sentiment":"neutral","sentiment_score":0.1839381903409958},{"text":"Lovely.","start":894.57996,"end":895.07996,"sentiment":"positive","sentiment_score":0.5127648115158081}],"sentiment":"positive","sentiment_score":0.34835150092840195,"channel":1,"num_words":2,"start":894.26,"end":895.07996},{"sentences":[{"text":"Amazing.","start":896.11505,"end":896.435,"sentiment":"positive","sentiment_score":0.4964529871940613},{"text":"Any last questions for me, Christie, before I let you go?","start":896.435,"end":898.935,"sentiment":"neutral","sentiment_score":0.17432210323485461}],"sentiment":"neutral","sentiment_score":0.2011663435647885,"channel":0,"num_words":12,"start":896.11505,"end":898.935},{"sentences":[{"text":"Mama.","start":899.525,"end":899.685,"sentiment":"neutral","sentiment_score":0.013117244467139244},{"text":"No.","start":899.685,"end":899.925,"sentiment":"neutral","sentiment_score":-0.024230919778347015},{"text":"All good here.","start":899.925,"end":900.405,"sentiment":"neutral","sentiment_score":0.10818536827961604},{"text":"Thanks.","start":900.405,"end":900.725,"sentiment":"neutral","sentiment_score":0.1666494607925415},{"text":"Mama.","start":900.725,"end":901.225,"sentiment":"neutral","sentiment_score":0.16600045561790466}],"sentiment":"neutral","sentiment_score":0.09229890656258379,"channel":1,"num_words":7,"start":899.525,"end":901.225},{"sentences":[{"text":"Cool.","start":901.955,"end":902.455,"sentiment":"neutral","sentiment_score":0.1812969446182251}],"sentiment":"neutral","sentiment_score":0.1812969446182251,"channel":0,"num_words":1,"start":901.955,"end":902.455},{"sentences":[{"text":"Hang 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last","start":903.23505,"end":905.395,"sentiment":"neutral","sentiment_score":0.06577664365371068}],"sentiment":"neutral","sentiment_score":0.06577664365371068,"channel":0,"num_words":6,"start":903.23505,"end":905.395},{"sentences":[{"text":"Mama.","start":905.365,"end":905.865,"sentiment":"neutral","sentiment_score":0.08072143793106079}],"sentiment":"neutral","sentiment_score":0.08072143793106079,"channel":1,"num_words":1,"start":905.365,"end":905.865},{"sentences":[{"text":"question, which is, did you want me to kind of line up a twelve month catch up or an annual review from today going forward, or would you prefer to have a bit of a quarterly catch up in between?","start":905.395,"end":916.99,"sentiment":"neutral","sentiment_score":0.032229991746135056}],"sentiment":"neutral","sentiment_score":0.032229991746135056,"channel":0,"num_words":40,"start":905.395,"end":916.99},{"sentences":[{"text":"I'm I'm quite comfortable with an annual one.","start":918.3,"end":920.72,"sentiment":"neutral","sentiment_score":0.10820093657821417}],"sentiment":"neutral","sentiment_score":0.10820093657821417,"channel":1,"num_words":8,"start":918.3,"end":920.72},{"sentences":[{"text":"Yep.","start":922.105,"end":922.505,"sentiment":"neutral","sentiment_score":0.21537010371685028},{"text":"Cool.","start":922.505,"end":922.985,"sentiment":"positive","sentiment_score":0.3906234800815582},{"text":"I'll get a little bit of an annual review pack sent out to you just to give you the updated performance on how your hub's going, which has been doing really well.","start":922.985,"end":930.265,"sentiment":"positive","sentiment_score":0.3811287684366107},{"text":"I think it's grown","start":930.265,"end":931.23,"sentiment":"positive","sentiment_score":0.48500966280698776}],"sentiment":"positive","sentiment_score":0.38795139013152374,"channel":0,"num_words":38,"start":922.105,"end":931.23},{"sentences":[{"text":"Excellent.","start":930.955,"end":931.455,"sentiment":"positive","sentiment_score":0.46154218912124634}],"sentiment":"positive","sentiment_score":0.46154218912124634,"channel":1,"num_words":1,"start":930.955,"end":931.455},{"sentences":[{"text":"about 20,000 even with the stock market crashing.","start":931.23,"end":934.21,"sentiment":"neutral","sentiment_score":0.20975858718156815},{"text":"So just","start":934.27,"end":934.99,"sentiment":"positive","sentiment_score":0.453807532787323}],"sentiment":"neutral","sentiment_score":0.2585683763027191,"channel":0,"num_words":10,"start":931.23,"end":934.99},{"sentences":[{"text":"Fabulous.","start":934.955,"end":935.455,"sentiment":"positive","sentiment_score":0.6085334420204163}],"sentiment":"positive","sentiment_score":0.6085334420204163,"channel":1,"num_words":1,"start":934.955,"end":935.455},{"sentences":[{"text":"wanted to give you that information.","start":934.99,"end":936.29004,"sentiment":"positive","sentiment_score":0.44561509788036346}],"sentiment":"positive","sentiment_score":0.44561509788036346,"channel":0,"num_words":6,"start":934.99,"end":936.29004},{"sentences":[{"text":"That's great.","start":937.34,"end":938.16003,"sentiment":"positive","sentiment_score":0.6218836903572083}],"sentiment":"positive","sentiment_score":0.6218836903572083,"channel":1,"num_words":2,"start":937.34,"end":938.16003},{"sentences":[{"text":"Amazing.","start":939.15,"end":939.55,"sentiment":"positive","sentiment_score":0.6212398409843445},{"text":"Alright, Chrissy.","start":939.55,"end":940.19,"sentiment":"positive","sentiment_score":0.5039225667715073},{"text":"You have a fantastic weekend, and thank you so much for your patience.","start":940.19,"end":943.25,"sentiment":"positive","sentiment_score":0.6747936652256892}],"sentiment":"positive","sentiment_score":0.6500876639038324,"channel":0,"num_words":16,"start":939.15,"end":943.25},{"sentences":[{"text":"Thank you.","start":943.5,"end":944.06,"sentiment":"positive","sentiment_score":0.473249226808548},{"text":"You too.","start":944.06,"end":944.46,"sentiment":"neutral","sentiment_score":0.23002974689006805},{"text":"If I don't speak to you, all the best with the new bub.","start":944.46,"end":946.88,"sentiment":"neutral","sentiment_score":0.08649176860658023}],"sentiment":"neutral","sentiment_score":0.14887946701663382,"channel":1,"num_words":17,"start":943.5,"end":946.88},{"sentences":[{"text":"Thank you so much.","start":948.245,"end":949.125,"sentiment":"positive","sentiment_score":0.49619410932064056},{"text":"Actually, I will be your dedicated adviser moving forward.","start":949.125,"end":952.885,"sentiment":"neutral","sentiment_score":0.3029748851226436},{"text":"We've done a bit of a restructure, so you've got a dedicated team of four people.","start":952.885,"end":956.90497,"sentiment":"neutral","sentiment_score":0.29380893521010876}],"sentiment":"neutral","sentiment_score":0.32456873678441706,"channel":0,"num_words":29,"start":948.245,"end":956.90497},{"sentences":[{"text":"Oh,","start":957.265,"end":957.585,"sentiment":"positive","sentiment_score":0.4229243099689483}],"sentiment":"positive","sentiment_score":0.4229243099689483,"channel":1,"num_words":1,"start":957.265,"end":957.585},{"sentences":[{"text":"And","start":957.285,"end":957.785,"sentiment":"positive","sentiment_score":0.5907424092292786}],"sentiment":"positive","sentiment_score":0.5907424092292786,"channel":0,"num_words":1,"start":957.285,"end":957.785},{"sentences":[{"text":"great.","start":957.585,"end":958.085,"sentiment":"positive","sentiment_score":0.7635887861251831}],"sentiment":"positive","sentiment_score":0.7635887861251831,"channel":1,"num_words":1,"start":957.585,"end":958.085},{"sentences":[{"text":"I will be speaking to you and Kurt pretty soon.","start":959.02,"end":961.68,"sentiment":"positive","sentiment_score":0.5210921734571456}],"sentiment":"positive","sentiment_score":0.5210921734571456,"channel":0,"num_words":10,"start":959.02,"end":961.68},{"sentences":[{"text":"Oh, excellent.","start":961.985,"end":962.78503,"sentiment":"positive","sentiment_score":0.8122348785400391},{"text":"Thank you so much.","start":962.78503,"end":963.7649,"sentiment":"positive","sentiment_score":0.861717626452446},{"text":"We'll talk to you then.","start":964.0049,"end":965.1449,"sentiment":"positive","sentiment_score":0.4529120743274689}],"sentiment":"positive","sentiment_score":0.6669000576842915,"channel":1,"num_words":11,"start":961.985,"end":965.1449},{"sentences":[{"text":"No worries.","start":964.78,"end":965.52,"sentiment":"neutral","sentiment_score":0.14990897476673126},{"text":"Talk","start":965.9,"end":966.06,"sentiment":"neutral","sentiment_score":0.11292016506195068}],"sentiment":"neutral","sentiment_score":0.1375793715318044,"channel":0,"num_words":3,"start":964.78,"end":966.06},{"sentences":[{"text":"Alright.","start":966.0049,"end":966.5049,"sentiment":"neutral","sentiment_score":0.14772963523864746}],"sentiment":"neutral","sentiment_score":0.14772963523864746,"channel":1,"num_words":1,"start":966.0049,"end":966.5049},{"sentences":[{"text":"to you then.","start":966.06,"end":966.54004,"sentiment":"neutral","sentiment_score":0.23775334656238556},{"text":"Bye.","start":966.54004,"end":967.04004,"sentiment":"neutral","sentiment_score":0.2052420079708099}],"sentiment":"neutral","sentiment_score":0.22962551191449165,"channel":0,"num_words":4,"start":966.06,"end":967.04004},{"sentences":[{"text":"See you later.","start":966.9649,"end":967.6849,"sentiment":"neutral","sentiment_score":0.28592367966969806},{"text":"Bye.","start":967.6849,"end":968.1849,"sentiment":"neutral","sentiment_score":-0.1284886598587036}],"sentiment":"neutral","sentiment_score":0.18232059478759766,"channel":1,"num_words":4,"start":966.9649,"end":968.1849}]},"summary":{"result":"success","short":"A senior adviser from OPU Financial confirms personal information and sends a security check to check documents, while also discussing the customer's income and retirement plans. The adviser updates the Hang projection and asks the customer to play around with the document. The agent explains the process of signing and accessing the documents, including transferring insurance coverage to a new customer. The agent summarizes the customer's insurance policy and provides instructions for submitting a transfer application, including filling out a health check and resubmitting the application. The agent will provide updates and progress on the last call."},"intents":{"segments":[{"text":"It's a freezing Friday, and my hands are a little bit slow. Do you still Nice. have a good time for me this morning? I do. Yes.","start_word":23,"end_word":49,"intents":[{"intent":"Check schedule","confidence_score":0.0017350878}]},{"text":"I'll just let you know, I do have my two year old daughter in the background. So if I need to run off or she's being noisy, that's why.","start_word":50,"end_word":78,"intents":[{"intent":"Discuss family schedule","confidence_score":0.0036332137}]},{"text":"I'm gonna shoot this email through to you. I'm just gonna do a quick security check and run through the key details with you. Are you okay for the call to be recorded? Mhmm. Yeah.","start_word":199,"end_word":233,"intents":[{"intent":"Send email","confidence_score":0.017648187}]},{"text":"And just for the security of your information, could you please confirm your date of birth and address?","start_word":239,"end_word":256,"intents":[{"intent":"Confirm identity","confidence_score":0.16277182},{"intent":"Confirm security details","confidence_score":0.025953341},{"intent":"Confirm date of birth","confidence_score":0.26235685}]},{"text":"And just for the security of your information, could you please confirm your date of birth and address? The 05/25/1988, 14 Acacia Street, Primrose Inn. Perfect.","start_word":239,"end_word":264,"intents":[{"intent":"Confirm address","confidence_score":0.3351505}]},{"text":"I'm gonna pop this through to your Hotmail address. Will you be able to look on to the documents with me today, or should I just run through them with you and Yep. give you a moment after that? No.","start_word":266,"end_word":305,"intents":[{"intent":"Check email address","confidence_score":0.034465384}]},{"text":"So if you can just pop that open, there's quite quite a few documents here. I do find it painful in the industry how many additional documents we send through. There's some attachments there which are essentially product documents for the superannuation, the insurance policies, and everything.","start_word":367,"end_word":413,"intents":[{"intent":"Assist with documents and documents","confidence_score":0.0006439985}]},{"text":"trying to fit three baby seats in the back of our car. Oh my My god.","start_word":1090,"end_word":1105,"intents":[{"intent":"Schedule baby seat","confidence_score":0.0020614446}]},{"text":"So I just go over to superannuation. Yep.","start_word":1194,"end_word":1201,"intents":[{"intent":"Transfer to superannuation","confidence_score":0.17484899}]},{"text":"Just bear in mind that the income protection can technically be increased because of your new income, but that Yes. 5,300 a month is kind of like 70% of your your 91,000 to cover expenses. Just wanna double check that that's still okay, and you guys will still be able to kind of get by on on that amount. Yeah.","start_word":1368,"end_word":1427,"intents":[{"intent":"Check income coverage","confidence_score":0.014275148}]},{"text":"We were expecting a potential ankle exclusion from the surgery in 2018. That's why I wanted to do the transfer first just to make sure that gets across the line. And, Mhmm. hopefully, you won't get that, but it's just a precaution because if you were to get that, we wouldn't be able to transfer the cover. Okay.","start_word":1435,"end_word":1492,"intents":[{"intent":"Resolve issue","confidence_score":0.0020836552}]},{"text":"More information about the duty to take reasonable care can be found in product disclosure statement provided to you today. Do you understand your duty to take reasonable care?","start_word":1755,"end_word":1783,"intents":[{"intent":"Provide information","confidence_score":0.014200661}]},{"text":"Do you understand your duty to take reasonable care?","start_word":1775,"end_word":1783,"intents":[{"intent":"Confirm understanding of duty","confidence_score":0.014099794}]},{"text":"I'll plug all of that onto the applications, and we're good to go.","start_word":1996,"end_word":2008,"intents":[{"intent":"Submit application","confidence_score":0.2855677}]},{"text":"Now from there, what we're pretty much gonna do is we will submit the transfer application today and Yep. finalize the consolidation of your host plus.","start_word":2011,"end_word":2036,"intents":[{"intent":"Finalize consolidation","confidence_score":0.06720185}]},{"text":"We'll try and make it as painless as possible, but it is just, like, an updated quote and a couple of checks that you haven't had any health changes the Yep.","start_word":2124,"end_word":2154,"intents":[{"intent":"Provide quote","confidence_score":0.1726117}]},{"text":"We'll try and make it as painless as possible, but it is just, like, an updated quote and a couple of checks that you haven't had any health changes the Yep. last sort of five months or so. Yeah.","start_word":2124,"end_word":2162,"intents":[{"intent":"Confirm health changes","confidence_score":0.044268332}]},{"text":"I Mama. did have one super, super last Mama. question, which is, did you want me to kind of line up a twelve month catch up or an annual review from today going forward, or would you prefer to have a bit of a quarterly catch up in between?","start_word":2395,"end_word":2443,"intents":[{"intent":"Discuss annual review and schedule monthly review","confidence_score":0.0000023159664}]}]},"sentiments":{"segments":[{"text":"Hello. Christie speaking. Hi, Christie. Tommy here, senior adviser from. How are you doing?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.09295922517776488},{"text":"Good. Thank you.","start_word":14,"end_word":16,"sentiment":"positive","sentiment_score":0.5153805613517761},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.33018001914024353},{"text":"I'm doing fantastic.","start_word":20,"end_word":22,"sentiment":"positive","sentiment_score":0.6491912603378296},{"text":"It's a freezing Friday, and my hands are a little bit slow. Do you still Nice. have a good time for me this morning? I do. Yes. I'll just let you know, I do have my two year old daughter in the background. So if I need to run off or she's being noisy, that's why. No Sorry worries about at that. all. I'll I've got do a my best. no. That's totally fine. I've got a six year old and a three year old and another one on the way, so I know exactly Oh my what goodness. it's like. Yes. Very busy for you then. Little bit. Little bit. I'm Hang actually on, going darling. on paternity leave next month, so I wanted Oh, to make yes. sure I got this sorted before I went. Yeah. I'm under you saying that.","start_word":23,"end_word":165,"sentiment":"neutral","sentiment_score":0.028524966910481453},{"text":"Congratulations. That's really exciting. Thank you very much for that.","start_word":166,"end_word":175,"sentiment":"positive","sentiment_score":0.5687854290008545},{"text":"We're finally finished building the family and ready to sleep again, but I'm Yes.","start_word":176,"end_word":189,"sentiment":"neutral","sentiment_score":0.27902430295944214},{"text":"glad I'll be happy Absolutely.","start_word":190,"end_word":194,"sentiment":"positive","sentiment_score":0.4052560925483704},{"text":"when I'm 60. Cool. I'm gonna shoot this email through to you. I'm just gonna do a quick security check and run through the key details with you. Are you okay for the call to be recorded? Mhmm. Yeah. That's fine. Thank you. Cool. And just for the security of your information, could you please confirm your date of birth and address? The 05/25/1988, 14 Acacia Street, Primrose Inn.","start_word":195,"end_word":263,"sentiment":"neutral","sentiment_score":0.06697513908147812},{"text":"Perfect.","start_word":264,"end_word":264,"sentiment":"positive","sentiment_score":0.420227587223053},{"text":"Sensational. I'm gonna pop this through to your Hotmail address. Will you be able to look on to the documents with me today, or should I just run through them with you and Yep. give you a moment after that? No. That's fine. I'm at the computer now, so ready to look Alright. at them. So this will come through from our new system, so it may come through to your main box or your spam folder, and Okay. it should be listed as signature request from OPU Financial statement of advice in the subject Perfect. heading. Got it here now.","start_word":265,"end_word":365,"sentiment":"neutral","sentiment_score":0.041419442134475945},{"text":"Cool.","start_word":366,"end_word":366,"sentiment":"positive","sentiment_score":0.45097965002059937},{"text":"So if you can just pop that open, there's quite quite a few documents here.","start_word":367,"end_word":381,"sentiment":"neutral","sentiment_score":-0.010194171220064163},{"text":"I do find it painful in the industry how many additional documents we send through.","start_word":382,"end_word":396,"sentiment":"negative","sentiment_score":-0.4477797746658325},{"text":"There's some attachments there which are essentially product documents for the superannuation, the insurance policies, and everything. Mhmm. But inside the digital authorization link, it'll bring you to the main core documents, which is like a beachfront city logo, and that's the statement of advice. Okay. So do I need to click on find document to open it up? Or Yes. So if you hit that to open it up, it'll bring you into yep. Okay. Odoo Cool. sign. It should ask you for, like, a consent to use digital signing, but Yep. it'll allow you to scroll through the documents with me before you sign. Okay.","start_word":397,"end_word":503,"sentiment":"neutral","sentiment_score":-0.016728214919567108},{"text":"Great. Perfect.","start_word":504,"end_word":505,"sentiment":"positive","sentiment_score":0.4084446728229522},{"text":"And, sorry, what which page did you want me to look at? So I've just opened up the document. Cool. So you can see that sort of goal post front page. Yes. Yep. So if you just scroll through, this is pretty much identical to your previous statement of advice just with the Yes. addition of those transfer terms. So if you could pop through to page three and four where it has scope of advice, I just wanna 30. quickly double check that with you. Yep. So we're focusing on the superannuation consolidation, the updated portfolio, the insurance policy, and there was a few reminders about estate planning now that you have a young child. Yeah. Perfect. I'm having a little We rate. weren't doing anything in terms of trauma insurance. We weren't giving you investment property advice. You might be looking at a self managed super fund in the future and that kind of thing that isn't included in this advice document. Yeah. Perfect.","start_word":506,"end_word":671,"sentiment":"neutral","sentiment_score":0.0292343869805336},{"text":"That looks good.","start_word":672,"end_word":674,"sentiment":"positive","sentiment_score":0.4323124289512634},{"text":"Cool. Now if you scroll through a few more pages, we just have the goals listed there about your investments, insurances, everything that we just kind of spoke about, retirement in twenty three years. But Yes. the one I wanted to double check with you is if you can go to pages eight and nine, there's an about you section. Yeah.","start_word":675,"end_word":735,"sentiment":"neutral","sentiment_score":0.06638600903212047},{"text":"Perfect.","start_word":736,"end_word":736,"sentiment":"positive","sentiment_score":0.4854356646537781},{"text":"Yep. Just wanna make sure there hasn't been any significant changes. Obviously, we still have you as a procurement officer on around about 91,000, but there was that note about you doing a few months at a different role as a bit of Yes. a temporary thing, possibly Yes. permanent afterwards. So that is now permanent.","start_word":737,"end_word":792,"sentiment":"neutral","sentiment_score":0.021868737414479256},{"text":"So my income has increased to the 101,500 annually. Fantastic. 101,500 increased income.","start_word":793,"end_word":805,"sentiment":"positive","sentiment_score":0.4072473645210266},{"text":"And are you still listed as procurement officer, or do you have a new title now? So my new title is procurement operations leave. Procurement operations lead. 101,500 is now set in stone. And Mhmm. when you went up to that new title, have they increased anything for you in terms of, like, going into, like, a managerial role compared to what you were doing before? Sorry. In terms of what the could you just explain that a little bit more? Sorry. It it's it's not really Yeah. a manager role. It's more of like a a team leader supervisory role. Yep. And what really affects, like, the income protection is if you have a certain number of staff underneath you that you look after compared Okay. to just doing your own duties. So three staff. Free stuff. Perfect. Perfect. Yep. So what I'm gonna do with encompass is I'm just gonna double check whether they can get you any, like, better occupation Perfect. ratings for the pricing, but you're still listed as, like, a white collar, essentially. Right? The next page, this might be a little bit out of date, but this is your assets and liabilities with your your primary residence, investment property, boats, and vehicles. Has there been any major changes to any of those assets there? Haven't So work vehicle, motor vehicle. So the $16,000 motor vehicle, we sold that one. So we have two car loans now. So they're both at the $40,000 mark. Yep. Two car Yep. loans, $40,000 mark. Yeah. I had to get a bigger car. Oh, And, you no. know, That's with it. all the stuff. We literally just spent last No. weekend That one. trying to fit three baby seats in the back of our car. Oh my My god. wife's got a Kluger, so she was fine, but my Corolla cannot fit three. Oh, no. So You need it's a seven a bit seater.","start_word":806,"end_word":1130,"sentiment":"neutral","sentiment_score":-0.025402245154747597},{"text":"of a fun one.","start_word":1131,"end_word":1134,"sentiment":"positive","sentiment_score":0.36634501814842224},{"text":"I do. She's got Like the seven seater, but I've got my little hang on, darling. mini one. Alright. Is it So take that's up all so good. much space? Yeah. Hang on, doll. Hang on. Hang on. Hang on. Do you Now wanna play with this if one? just go through to This one one. more page. Yep. So I just go over to superannuation. Yep. So we've got the host plus the hub 24. That's your host plus insurance that we're transferring across for about the same price. Yeah.","start_word":1135,"end_word":1225,"sentiment":"neutral","sentiment_score":0.08932893723249435},{"text":"Perfect. Perfect. If you go all the way through, we've still got you as a high growth investor.","start_word":1226,"end_word":1243,"sentiment":"positive","sentiment_score":0.3555544316768646},{"text":"Again, trying to get as much returns as possible to retire earlier. Yep.","start_word":1244,"end_word":1256,"sentiment":"neutral","sentiment_score":0.21154464781284332},{"text":"That sounds good.","start_word":1257,"end_word":1259,"sentiment":"positive","sentiment_score":0.3627602458000183},{"text":"And if you have a scroll through with me so we just updated the Hang projection on, Holly. table on page 13. And Excellent. what Yep. I might do, because this is pretty well the same as before, is if you can just pop down to page twenty one and twenty two, Yep. And it should list a little bit of a blue bar talking about your insurances and a list a policy one and a policy two. Mhmm. Yeah. Cool. So this is mhmm. Yep. Yep. They both sound Cool. good. So, again, we just trimmed down Yep. the encompass to fit in with the transfer terms. Just bear in mind that the income protection can technically be increased because of your new income, but that Yes. 5,300 a month is kind of like 70% of your your 91,000 to cover expenses. Just wanna double check that that's still okay, and you guys will still be able to kind of get by on on that amount. Yeah.","start_word":1260,"end_word":1427,"sentiment":"neutral","sentiment_score":0.09672963619232178},{"text":"That'd be great.","start_word":1428,"end_word":1430,"sentiment":"positive","sentiment_score":0.5039951801300049},{"text":"Yep.","start_word":1431,"end_word":1431,"sentiment":"neutral","sentiment_score":0.295945405960083},{"text":"Perfect.","start_word":1432,"end_word":1432,"sentiment":"positive","sentiment_score":0.46511441469192505},{"text":"Alright. We were expecting a potential ankle exclusion from the surgery in 2018. That's why I wanted to do the transfer first just to make sure that gets across the line. And, Mhmm. hopefully, you won't get that, but it's just a precaution because if you were to get that, we wouldn't be able to transfer the cover. Okay. Right. Yep. Okay.","start_word":1433,"end_word":1494,"sentiment":"neutral","sentiment_score":-0.2011222668713139},{"text":"That's pretty much everything for those documents. It goes Lovely.","start_word":1495,"end_word":1504,"sentiment":"positive","sentiment_score":0.3752560019493103},{"text":"through and talks about beneficiary nomination for your spouse on the new life insurance policy. Mhmm. And then it pretty much goes through into your encompass quote to sign, the transfer terms application to sign, as well as a consent form for us to still remain advisers on hub twenty four so that we can actually do all the transactions and everything. Mhmm. So that's the four documents to sign. Do you have any Yes. questions so far? No. K. No. That's I all do good. have to go through one thing with you, and then I can pretty much leave you to it. Mhmm. And for the transfer terms, you went through a duty of reasonable care for your Encompass application. And I just need to read out the same paragraph to you and ask you the six transfer terms question. Sure. K? So just bear with me for a moment. And Yep. once I finish that paragraph, just let me know if you're okay for that duty. Yep. When applying for insurance, it's important that you answer the following questions to the best of your knowledge. As the applicant, you have a legal duty to take reasonable care, not to make a misrepresentation to the insurer before the contract of insurance is entered into. If this duty is not met, it can have serious impact on your insurance, such as your policy being voided or the terms of your cover may be changed, declined, or your benefit reduced. More information about the duty to take reasonable care can be found in product disclosure statement provided to you today. Do you understand your duty to take reasonable care? Yes.","start_word":1505,"end_word":1784,"sentiment":"neutral","sentiment_score":0.02050648257136345},{"text":"Perfect.","start_word":1785,"end_word":1785,"sentiment":"positive","sentiment_score":0.4262371063232422},{"text":"Now these six questions, I'll try and summarize the key points, but I need to kind of read most of this verbatim as well and Yep. just basically answer yes or no. Okay. Are you currently off work or unable to perform the full and normal duties of your occupation on a full time basis due to illness or injury? No. Perfect. Have you in the last twelve months been absent from work or unable to perform your duties due to illness or injury for more than six days? Nine. Perfect. Have you been diagnosed with or do you suffer from an illness that may cause permanent inability to work or a terminal illness? Nine. Ill? Last three, I'll kind of combine these two. Have Mhmm. you ever had an insurance application for life insurance, total disability, terminal illness, or income protection refused? Or the second question is offered on nonstandard terms. No. Amazing. And the last one, have you this is about claims. Have you ever been paid, or are you eligible to be paid or currently in the process of submitting a claim for any illness or injury compensation, workers' compensation, government benefits, or insurance policies for terminal illness, total disability, or income protection. Nine. And that's it. I'll plug all of that onto the applications, and we're good to go.","start_word":1786,"end_word":2008,"sentiment":"neutral","sentiment_score":-0.011523204951676552},{"text":"Excellent. Lovely.","start_word":2009,"end_word":2010,"sentiment":"positive","sentiment_score":0.5015660524368286},{"text":"Now from there, what we're pretty much gonna do is we will submit the transfer application today and Yep. finalize the consolidation of your host plus. Okay. From that point, you'll be good to the team will give you a quick call just to transfer your contributions across to make sure that's all not going to be reopened in the background. Yep. And then the last step will just be resubmitting Mhmm. that application through Encompass once the transfer terms is accepted. So if Take it's it. okay with you, I'm gonna get Jack to kind of prefill that information from last time. Yeah. But That's as fine. soon as you amazing.","start_word":2011,"end_word":2122,"sentiment":"neutral","sentiment_score":0.10964535921812056},{"text":"Amazing.","start_word":2123,"end_word":2123,"sentiment":"positive","sentiment_score":0.3933094739913941},{"text":"We'll try and make it as painless as possible, but it is just, like, an updated quote and a couple of checks that you haven't had any health changes the Yep. last sort of five months or so. Yeah. That's fine.","start_word":2124,"end_word":2164,"sentiment":"neutral","sentiment_score":0.19468043744564056},{"text":"Cool. Chrissy, I really appreciate you taking the time while you've got the little one there.","start_word":2165,"end_word":2180,"sentiment":"positive","sentiment_score":0.5381647944450378},{"text":"Do you have any questions for me so far? No. All good. Thank you. Cool. The last thing for me is when you go to sign these documents, if you can try to, like, click on the signature box and draw a signature, that's usually more accepted from the providers than the stamped ones. If you Yes. can't, the stamped one is okay. It's just we have had, I think, one or two providers that have a bit of an issue with it. Yeah. No problems at all.","start_word":2181,"end_word":2268,"sentiment":"neutral","sentiment_score":0.010895296253941276},{"text":"Awesome. Alright.","start_word":2269,"end_word":2270,"sentiment":"positive","sentiment_score":0.4190455377101898},{"text":"I will pretty much leave you to it. I will get the team to touch base with you pretty much every week, to give you some updates and progress the last couple of things. Are you okay for them to give you, like, a call, text, email? What Yes. would be easier? Probably just a text message would be great. Sensational. I'll get them to send you a bit of a text, and they'll probably just have one last phone call for encompass at the end, but Mhmm. we'll make sure everything is kind of ticked in in force first. Yeah.","start_word":2271,"end_word":2371,"sentiment":"neutral","sentiment_score":0.1507963240146637},{"text":"Lovely. Amazing.","start_word":2372,"end_word":2373,"sentiment":"positive","sentiment_score":0.5046088695526123},{"text":"Any last questions for me, Christie, before I let you go? Mama. No. All good here. Thanks. Mama. Cool. Hang on. I Mama. did have one super, super last Mama. question, which is, did you want me to kind of line up a twelve month catch up or an annual review from today going forward, or would you prefer to have a bit of a quarterly catch up in between? I'm I'm quite comfortable with an annual one. Yep.","start_word":2374,"end_word":2452,"sentiment":"neutral","sentiment_score":0.0790567472577095},{"text":"Cool. I'll get a little bit of an annual review pack sent out to you just to give you the updated performance on how your hub's going, which has been doing really well. I think it's grown Excellent.","start_word":2453,"end_word":2490,"sentiment":"positive","sentiment_score":0.4032277762889862},{"text":"about 20,000 even with the stock market crashing.","start_word":2491,"end_word":2498,"sentiment":"neutral","sentiment_score":0.21427461504936215},{"text":"So just Fabulous. wanted to give you that information. That's great. Amazing. Alright, Chrissy. You have a fantastic weekend, and thank you so much for your patience. Thank you.","start_word":2499,"end_word":2527,"sentiment":"positive","sentiment_score":0.5727836489677429},{"text":"You too. If I don't speak to you, all the best with the new bub.","start_word":2528,"end_word":2542,"sentiment":"neutral","sentiment_score":0.10452955216169356},{"text":"Thank you so much. Actually, I will be your dedicated adviser moving forward.","start_word":2543,"end_word":2555,"sentiment":"positive","sentiment_score":0.38179463148117065},{"text":"We've done a bit of a restructure, so you've got a dedicated team of four people.","start_word":2556,"end_word":2571,"sentiment":"neutral","sentiment_score":0.28750860691070557},{"text":"Oh, And great. I will be speaking to you and Kurt pretty soon. Oh, excellent. Thank you so much. We'll talk to you then.","start_word":2572,"end_word":2595,"sentiment":"positive","sentiment_score":0.5886523127555847},{"text":"No worries. Talk Alright. to you then. Bye. See you later. Bye.","start_word":2596,"end_word":2607,"sentiment":"neutral","sentiment_score":0.1940019726753235}],"average":{"sentiment":"neutral","sentiment_score":0.07351324689198843}}}}