{"metadata":{"transaction_key":"deprecated","request_id":"01a1104d-a591-74f3-9ac0-a848231cdd75","sha256":"3b5e8ebfac4c3140b50eb45e040cf158fd78abf7c6a6ba18e91fe306e8e36b13","created":"2026-10-06T08:21:29.208Z","duration":1119.4559,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4137,"output_tokens":115},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4675,"output_tokens":4685},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4675,"output_tokens":451}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Daryl. It's Tommy here, senior adviser from. How are you doing? I'm doing alright. The sun finally came out this afternoon down on the Gold Coast there. What about your end? Good to hear. Good to hear. I just had a a quick catch up booked in with you just to go over a couple of details. Team mentioned that you're moving to UniSuper, so I just wanted to run by a few things with you. Yeah. Cool. No worries. Do you mind if I go through a bit of a final sort of security check with you and just go through a few few thoughts? Cool. So just to let you know, I'm registered with ASIC as adviser 1273105. Could I please confirm your date of birth and address we'd have on file? Yep. You're a legend. And are you okay for the call to be recorded? Yeah. Perfect. Perfect. So one thing needed to run by you as well is just the... I think the team would have mentioned your insurance cover. Cool. So when you go to put in the paperwork for Uni Super, have you already kind of looked at the the application documents? Cool. So when you open up one of those accounts, they give you an offer to add in, like, default, like, life insurance and disability insurance, if that rings a bell. So what they bell. So what they tend to do there is there's a... It's like unit based. Depending on your age, they say, oh, here's 10 units. And because you're, you know, 42, they probably give you about $2,250,000 worth of life insurance and disability insurance to, like, automatically attach to your account if you opt for that option. The thing that you've got too... So you've got a Neos policy that gets paid from hub twenty four. If you wanna keep that because it is underwritten, so it's all the medicals have all been done already, That comes out in May of each year. Yeah. Yeah. So correct. So the way to do it, because it's an enduring rollover, like a a yearly payment out of a super fund, they do have enduring rollover forms that say, I want it to come out of this super fund instead of that super fund. You just need to make sure that that account's open and so you can fill in the account details for where it comes out of. So what I might do is I'll get the team to send you through an email with the the form for Neos. And that way, if you want, when you set up UniSuper, they could add on cheap life insurance on top. You can get the Neos coming out of there, and then you might have $35,400 all up between the two of them. I don't know if you'd rather double up. Yeah. You can essentially have, like, default cover plus a retail policy coming out of it. Obviously, depends on premium fees. Yeah. It is a 187,000. I think it's a few $100 a year. They get a 15% rebate, which drops it down to about $281.22. Yeah. So you went through all the application. Yeah. Everything that you put in the application when it was first set up back in 2022, it would have locked in any kind of health and occupation information from that date backwards. So it's bit of... Bit backwards. With the the unit cover that you get for opening a super fund, that's unitized and goes down with with the... Oh, sorry. Can you still hear me okay? Sorry. With the the default cover through UniSuper, it goes down with your age from the forties to the fifties. With the the nails cover, because it's stepped, it actually slowly increases the cover and premiums each year. So it might be a 195 and then 202,000. It'll just slowly increase it with with inflation. So you've got one that'll go down, one that'll go up. Does that make sense? Cool. Correct. They're both exactly the same amounts. They're kind of linked together. Yeah. Correct. And because it's attached, so the attachment makes it cheaper. But then if you claim on TBD, the life insurance goes down, and you've got a buyback option which fills it back up again. It's listed as white collar occupation rating at the time, so pretty cheap. The other question I've got for you too is, so we do, like, claims assistance. So, god forbid, if something happens to you, you go through TPD. We help people through the claims packs and whatnot. We can either lead ourselves on there for claims assistance or we can remove ourselves off the policy if you'd prefer it that way. Yeah. Claims assistance, not so much. It's claims advice. Like, we've got some clients that, you know, terminal, they get a million dollars, and they get advice on how to make the money last. That's separate. That's a fee for that. But the assistance, not so much. Reviewing the policy, not so much. But we do get, like, commissions for the policy. Like, 22% of the premiums comes through to us. So when I send through the documents to switch it to the other funds, I can get us removed off of there as well. It's both. So whoever's listed as, like, servicing advisers, we have, like, a adviser authority on the policy to assist with claims and receive commissions and so on. Yeah. Oh, yeah. Yeah. Great question. No. So they don't change the price to remove advisers from it. It's all kind of just a portion of it goes to the advice firm. They don't kind of increase or decrease the price based on that. Yeah. Gotcha. Yeah. No. Great question. So we have what's called a a case management division that handles insurance claims. And, basically, what happens is, let's say you're in a car accident, can never work again, and you gave us a call and said, hey. Look. I wanna claim on that TPD insurance. We would contact the insurer, get the... That's it. Touch touch a few planks of wood. We would go through the pack, make sure you... You know, it's all filled out with the doctors and everything, send it off to the providers, follow it up, help that way. Same thing if it ends up with a life insurance scenario where, obviously, we're probably not the first people to call if you were to pass away, but we would go, okay. Who's the listed beneficiary? And help forward on the documents, liaise with the insurers, help her get paid out, that kind of thing. Cool. So I'll kind of leave that in your call. What we can do is we'll at least email the form so you've got them there. And then if you wanna reply back to the email, if you want us to still be listed or not, we can just go off your instructions from there. Cool. And just with regards to the super, is there anything I can help you with on that end of things? I know you obviously gotta go through forms and and whatnot, but anything I can help you with the hub portfolio in the interim or anything there? Yeah. So what we basically do is for for however long we're listed on the account, if a request comes through to to do a full rollover, we basically jump on and sell off the investments down to cash so that they can be moved across to the other fund. If we, like, remove ourselves off there today, then it gets wiped from our dashboard, and we can't see your account anymore, so we wouldn't be able to touch any of it. Yeah. Yep. Yeah. Right. Did you know that it was gonna be harder to sell, or was that just thinking out loud? You're not talking about, like, the shield master trust stuff and things like that, was it? No way. Yeah. Right. Yeah. Yeah. Yeah. Right. Right. Oh, jeez. I'm sorry your your partner's going through that at the moment. One one thing that I absolutely can let you know upfront is that Benelon option you mentioned, that's a that's a managed fund, not an ETF. So generally speaking, whenever you do a sell on hub as a as a platform, the ETFs are sold down within a couple of days. The managed funds, no matter who it is, it's usually after two weeks if it's international. Yeah. Or if they, like, went under as a fund and the money got locked up kind of thing, that would probably be that scenario. At this point, I know they've got... They got bought out a little while ago. Their investments are kind of bouncing back a little bit, so they're not as much of an at risk of that. But, yeah, couple of days for ETFs, couple of weeks for managed funds, that's pretty standard. Anything longer than that, and then there's a concern. Yeah. And it might be... What? Like, it might be a couple of weeks and then the cash is there, and then it takes them a couple of days to transfer it. So I wouldn't be waiting any longer than, say, three weeks. Cool. Awesome. So from there, basically, we'll send you the forms for the for the Neos. If you're comfortable, I guess, we just sort of leave ourselves with access for the time being until it gets moved... The request come through to move it across, if that's your preference. Cool. Yeah. The other thing to remember though too is you've got our fees come out of the the hub 24 monthly. So it's a question of do you want us there to help sort of sell it down, or do you want us to to click that off? So just bear in mind, there is the adviser fees out of the super. So that's the thing that would keep ticking. So insurance policies is just a trailing, but there's a service agreement on there, which we can kind of remove the service agreement, probably the way to do it. Correct. As soon as the account closes, same thing. Exactly right. Yep. So just in case, do you want me to get the team to give you a buzz in a couple of weeks just to follow-up and see how you're going? I don't want it to sit there and tick for six more months or something. Yeah. Because that way... Look. If we're if we're charging you fees without providing any service or advice, we get caught into fee for no service arrangements. And so happy to kind of help with transactions and stuff like that, but I don't want it to kind of drag on forever. That's not good for you as well. Cool. So I'll just pencil in for them to call in a couple of weeks. And, again, email through those forms. That way, whether it's email, text, or call, we've got an open line of communication. Awesome, man. Is there anything else I can help you with before I let you go? No. I appreciate yours, Daryl, and we'll talk to you in a couple of weeks. Thanks, mate. Have a good night. 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afternoon, Daryl. It's Tommy here, senior adviser from. How are you doing? I'm doing alright. The sun finally came out this afternoon down on the Gold Coast there.\n\nWhat about your end? Good to hear. Good to hear. I just had a a quick catch up booked in with you just to go over a couple of details. Team mentioned that you're moving to UniSuper, so I just wanted to run by a few things with you.\n\nYeah. Cool. No worries. Do you mind if I go through a bit of a final sort of security check with you and just go through a few few thoughts? Cool.\n\nSo just to let you know, I'm registered with ASIC as adviser 1273105. Could I please confirm your date of birth and address we'd have on file? Yep. You're a legend. And are you okay for the call to be recorded?\n\nYeah. Perfect. Perfect. So one thing needed to run by you as well is just the... I think the team would have mentioned your insurance cover.\n\nCool. So when you go to put in the paperwork for Uni Super, have you already kind of looked at the the application documents? Cool. So when you open up one of those accounts, they give you an offer to add in, like, default, like, life insurance and disability insurance, if that rings a bell. So what they bell.\n\nSo what they tend to do there is there's a... It's like unit based. Depending on your age, they say, oh, here's 10 units. And because you're, you know, 42, they probably give you about $2,250,000 worth of life insurance and disability insurance to, like, automatically attach to your account if you opt for that option. The thing that you've got too...\n\nSo you've got a Neos policy that gets paid from hub twenty four. If you wanna keep that because it is underwritten, so it's all the medicals have all been done already, That comes out in May of each year. Yeah. Yeah. So correct.\n\nSo the way to do it, because it's an enduring rollover, like a a yearly payment out of a super fund, they do have enduring rollover forms that say, I want it to come out of this super fund instead of that super fund. You just need to make sure that that account's open and so you can fill in the account details for where it comes out of. So what I might do is I'll get the team to send you through an email with the the form for Neos. And that way, if you want, when you set up UniSuper, they could add on cheap life insurance on top. You can get the Neos coming out of there, and then you might have $35,400 all up between the two of them.\n\nI don't know if you'd rather double up. Yeah. You can essentially have, like, default cover plus a retail policy coming out of it. Obviously, depends on premium fees. Yeah.\n\nIt is a 187,000. I think it's a few $100 a year. They get a 15% rebate, which drops it down to about $281.22. Yeah. So you went through all the application.\n\nYeah. Everything that you put in the application when it was first set up back in 2022, it would have locked in any kind of health and occupation information from that date backwards. So it's bit of... Bit backwards. With the the unit cover that you get for opening a super fund, that's unitized and goes down with with the...\n\nOh, sorry. Can you still hear me okay? Sorry. With the the default cover through UniSuper, it goes down with your age from the forties to the fifties. With the the nails cover, because it's stepped, it actually slowly increases the cover and premiums each year.\n\nSo it might be a 195 and then 202,000. It'll just slowly increase it with with inflation. So you've got one that'll go down, one that'll go up. Does that make sense? Cool.\n\nCorrect. They're both exactly the same amounts. They're kind of linked together. Yeah. Correct.\n\nAnd because it's attached, so the attachment makes it cheaper. But then if you claim on TBD, the life insurance goes down, and you've got a buyback option which fills it back up again. It's listed as white collar occupation rating at the time, so pretty cheap. The other question I've got for you too is, so we do, like, claims assistance. So, god forbid, if something happens to you, you go through TPD.\n\nWe help people through the claims packs and whatnot. We can either lead ourselves on there for claims assistance or we can remove ourselves off the policy if you'd prefer it that way. Yeah. Claims assistance, not so much. It's claims advice.\n\nLike, we've got some clients that, you know, terminal, they get a million dollars, and they get advice on how to make the money last. That's separate. That's a fee for that. But the assistance, not so much. Reviewing the policy, not so much.\n\nBut we do get, like, commissions for the policy. Like, 22% of the premiums comes through to us. So when I send through the documents to switch it to the other funds, I can get us removed off of there as well. It's both. So whoever's listed as, like, servicing advisers, we have, like, a adviser authority on the policy to assist with claims and receive commissions and so on.\n\nYeah. Oh, yeah. Yeah. Great question. No.\n\nSo they don't change the price to remove advisers from it. It's all kind of just a portion of it goes to the advice firm. They don't kind of increase or decrease the price based on that. Yeah. Gotcha.\n\nYeah. No. Great question. So we have what's called a a case management division that handles insurance claims. And, basically, what happens is, let's say you're in a car accident, can never work again, and you gave us a call and said, hey.\n\nLook. I wanna claim on that TPD insurance. We would contact the insurer, get the... That's it. Touch touch a few planks of wood.\n\nWe would go through the pack, make sure you... You know, it's all filled out with the doctors and everything, send it off to the providers, follow it up, help that way. Same thing if it ends up with a life insurance scenario where, obviously, we're probably not the first people to call if you were to pass away, but we would go, okay. Who's the listed beneficiary? And help forward on the documents, liaise with the insurers, help her get paid out, that kind of thing.\n\nCool. So I'll kind of leave that in your call. What we can do is we'll at least email the form so you've got them there. And then if you wanna reply back to the email, if you want us to still be listed or not, we can just go off your instructions from there. Cool.\n\nAnd just with regards to the super, is there anything I can help you with on that end of things? I know you obviously gotta go through forms and and whatnot, but anything I can help you with the hub portfolio in the interim or anything there? Yeah. So what we basically do is for for however long we're listed on the account, if a request comes through to to do a full rollover, we basically jump on and sell off the investments down to cash so that they can be moved across to the other fund. If we, like, remove ourselves off there today, then it gets wiped from our dashboard, and we can't see your account anymore, so we wouldn't be able to touch any of it.\n\nYeah. Yep. Yeah. Right. Did you know that it was gonna be harder to sell, or was that just thinking out loud?\n\nYou're not talking about, like, the shield master trust stuff and things like that, was it? No way. Yeah. Right. Yeah.\n\nYeah. Yeah. Right. Right. Oh, jeez.\n\nI'm sorry your your partner's going through that at the moment. One one thing that I absolutely can let you know upfront is that Benelon option you mentioned, that's a that's a managed fund, not an ETF. So generally speaking, whenever you do a sell on hub as a as a platform, the ETFs are sold down within a couple of days. The managed funds, no matter who it is, it's usually after two weeks if it's international. Yeah.\n\nOr if they, like, went under as a fund and the money got locked up kind of thing, that would probably be that scenario. At this point, I know they've got... They got bought out a little while ago. Their investments are kind of bouncing back a little bit, so they're not as much of an at risk of that. But, yeah, couple of days for ETFs, couple of weeks for managed funds, that's pretty standard.\n\nAnything longer than that, and then there's a concern. Yeah. And it might be... What? Like, it might be a couple of weeks and then the cash is there, and then it takes them a couple of days to transfer it.\n\nSo I wouldn't be waiting any longer than, say, three weeks. Cool. Awesome. So from there, basically, we'll send you the forms for the for the Neos. If you're comfortable, I guess, we just sort of leave ourselves with access for the time being until it gets moved...\n\nThe request come through to move it across, if that's your preference. Cool. Yeah. The other thing to remember though too is you've got our fees come out of the the hub 24 monthly. So it's a question of do you want us there to help sort of sell it down, or do you want us to to click that off?\n\nSo just bear in mind, there is the adviser fees out of the super. So that's the thing that would keep ticking. So insurance policies is just a trailing, but there's a service agreement on there, which we can kind of remove the service agreement, probably the way to do it. Correct. As soon as the account closes, same thing.\n\nExactly right. Yep. So just in case, do you want me to get the team to give you a buzz in a couple of weeks just to follow-up and see how you're going? I don't want it to sit there and tick for six more months or something. Yeah.\n\nBecause that way... Look. If we're if we're charging you fees without providing any service or advice, we get caught into fee for no service arrangements. And so happy to kind of help with transactions and stuff like that, but I don't want it to kind of drag on forever. That's not good for you as well.\n\nCool. So I'll just pencil in for them to call in a couple of weeks. And, again, email through those forms. That way, whether it's email, text, or call, we've got an open line of communication. Awesome, man.\n\nIs there anything else I can help you with before I let you go? No. I appreciate yours, Daryl, and we'll talk to you in a couple of weeks. Thanks, mate. Have a good night.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Daryl.","start":2.8799999,"end":4.0,"sentiment":"neutral","sentiment_score":0.2738158106803894},{"text":"It's Tommy here, senior adviser from.","start":4.0,"end":5.94,"sentiment":"neutral","sentiment_score":0.2446246792872747},{"text":"How are you doing?","start":6.0,"end":6.98,"sentiment":"neutral","sentiment_score":0.23067091405391693},{"text":"I'm doing alright.","start":9.28,"end":10.34,"sentiment":"neutral","sentiment_score":0.3080648382504781},{"text":"The sun finally came out this afternoon down on the Gold Coast there.","start":10.4,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.23652774668656862}],"sentiment":"neutral","sentiment_score":0.2486529098502521,"num_words":29,"start":2.8799999,"end":13.5199995},{"sentences":[{"text":"What about your end?","start":13.5199995,"end":17.175,"sentiment":"neutral","sentiment_score":0.13426227495074272},{"text":"Good to hear.","start":17.175,"end":17.655,"sentiment":"positive","sentiment_score":0.6123100519180298},{"text":"Good to hear.","start":17.655,"end":18.535,"sentiment":"positive","sentiment_score":0.5129829049110413},{"text":"I just had a a quick catch up booked in with you just to go over a couple of details.","start":18.535,"end":23.275,"sentiment":"neutral","sentiment_score":0.19347351044416428},{"text":"Team mentioned that you're moving to UniSuper, so I just wanted to run by a few things with you.","start":23.895,"end":28.92,"sentiment":"neutral","sentiment_score":0.06287202954684433}],"sentiment":"neutral","sentiment_score":0.1832034028686431,"num_words":49,"start":13.5199995,"end":28.92},{"sentences":[{"text":"Yeah.","start":36.44,"end":36.68,"sentiment":"neutral","sentiment_score":0.06662257015705109},{"text":"Cool.","start":36.68,"end":37.0,"sentiment":"neutral","sentiment_score":0.12117448449134828},{"text":"No worries.","start":37.0,"end":37.64,"sentiment":"neutral","sentiment_score":0.09564309939742088},{"text":"Do you mind if I go through a bit of a final sort of security check with you and just go through a few few thoughts?","start":37.64,"end":43.995,"sentiment":"neutral","sentiment_score":0.0576866389467166},{"text":"Cool.","start":46.395,"end":46.795,"sentiment":"neutral","sentiment_score":0.2304958403110504}],"sentiment":"neutral","sentiment_score":0.06804618407641688,"num_words":31,"start":36.44,"end":46.795},{"sentences":[{"text":"So just to let you know, I'm registered with ASIC as adviser 1273105.","start":46.795,"end":51.695,"sentiment":"neutral","sentiment_score":0.11412443908361289},{"text":"Could I please confirm your date of birth and address we'd have on file?","start":51.835,"end":56.01,"sentiment":"neutral","sentiment_score":0.05576774185257299},{"text":"Yep.","start":61.129997,"end":61.629997,"sentiment":"neutral","sentiment_score":0.03973626345396042},{"text":"You're a legend.","start":66.09,"end":66.729996,"sentiment":"neutral","sentiment_score":0.20799521605173746},{"text":"And are you okay for the call to be recorded?","start":66.729996,"end":68.67,"sentiment":"neutral","sentiment_score":0.05592789463698864}],"sentiment":"neutral","sentiment_score":0.08505773053663533,"num_words":41,"start":46.795,"end":68.67},{"sentences":[{"text":"Yeah.","start":70.25,"end":70.57,"sentiment":"neutral","sentiment_score":0.23170779645442963},{"text":"Perfect.","start":70.57,"end":70.97,"sentiment":"positive","sentiment_score":0.39343276619911194},{"text":"Perfect.","start":70.97,"end":71.369995,"sentiment":"neutral","sentiment_score":0.28050497174263},{"text":"So one thing needed to run by you as well is just the...","start":71.369995,"end":76.165,"sentiment":"neutral","sentiment_score":0.07916174886318353},{"text":"I think the team would have mentioned your insurance cover.","start":76.385,"end":79.365,"sentiment":"neutral","sentiment_score":0.03745370134711266}],"sentiment":"neutral","sentiment_score":0.08881866473418015,"num_words":26,"start":70.25,"end":79.365},{"sentences":[{"text":"Cool.","start":81.345,"end":81.745,"sentiment":"neutral","sentiment_score":0.08504334092140198},{"text":"So when you go to put in the paperwork for Uni Super, have you already kind of looked at the the application documents?","start":81.745,"end":88.23,"sentiment":"neutral","sentiment_score":0.02016760619438213},{"text":"Cool.","start":90.93,"end":91.33,"sentiment":"neutral","sentiment_score":-0.027439720928668976},{"text":"So when you open up one of those accounts, they give you an offer to add in, like, default, like, life insurance and disability insurance, if that rings a bell.","start":91.33,"end":96.916664,"sentiment":"neutral","sentiment_score":0.004411389368275801},{"text":"So what they bell.","start":96.916664,"end":100.335,"sentiment":"neutral","sentiment_score":-0.005345273297280073}],"sentiment":"neutral","sentiment_score":0.010718968649536876,"num_words":59,"start":81.345,"end":100.335},{"sentences":[{"text":"So what they tend to do there is there's a...","start":100.795,"end":103.995,"sentiment":"neutral","sentiment_score":-0.017697293125092984},{"text":"It's like unit based.","start":103.995,"end":105.615,"sentiment":"neutral","sentiment_score":-0.023911962285637856},{"text":"Depending on your age, they say, oh, here's 10 units.","start":105.835,"end":108.315,"sentiment":"neutral","sentiment_score":0.05937561877071858},{"text":"And because you're, you know, 42, they probably give you about $2,250,000 worth of life insurance and disability insurance to, like, automatically attach to your account if you opt for that option.","start":108.315,"end":122.060005,"sentiment":"neutral","sentiment_score":0.1316947757732123},{"text":"The thing that you've got too...","start":124.035,"end":125.235,"sentiment":"neutral","sentiment_score":0.05107222435375055}],"sentiment":"neutral","sentiment_score":0.0780935738415968,"num_words":62,"start":100.795,"end":125.235},{"sentences":[{"text":"So you've got a Neos policy that gets paid from hub twenty four.","start":125.235,"end":129.415,"sentiment":"neutral","sentiment_score":0.09073047884381734},{"text":"If you wanna keep that because it is underwritten, so it's all the medicals have all been done already, That comes out in May of each year.","start":131.075,"end":140.58,"sentiment":"neutral","sentiment_score":0.11242912930470926},{"text":"Yeah.","start":144.32,"end":144.64,"sentiment":"neutral","sentiment_score":0.041075658053159714},{"text":"Yeah.","start":144.64,"end":145.04001,"sentiment":"neutral","sentiment_score":0.04921707510948181},{"text":"So correct.","start":145.04001,"end":155.235,"sentiment":"neutral","sentiment_score":0.05321810208261013}],"sentiment":"neutral","sentiment_score":0.10026844667101448,"num_words":44,"start":125.235,"end":155.235},{"sentences":[{"text":"So the way to do it, because it's an enduring rollover, like a a yearly payment out of a super fund, they do have enduring rollover forms that say, I want it to come out of this super fund instead of that super fund.","start":155.535,"end":167.90999,"sentiment":"neutral","sentiment_score":0.03991648724133318},{"text":"You just need to make sure that that account's open and so you can fill in the account details for where it comes out of.","start":168.84999,"end":177.465,"sentiment":"neutral","sentiment_score":0.1150851608812809},{"text":"So what I might do is I'll get the team to send you through an email with the the form for Neos.","start":177.465,"end":183.245,"sentiment":"neutral","sentiment_score":0.2522425516085191},{"text":"And that way, if you want, when you set up UniSuper, they could add on cheap life insurance on top.","start":183.705,"end":189.625,"sentiment":"neutral","sentiment_score":0.31348284482955935},{"text":"You can get the Neos coming out of there, and then you might have $35,400 all up between the two of them.","start":189.625,"end":195.98,"sentiment":"neutral","sentiment_score":0.23689767853780228}],"sentiment":"neutral","sentiment_score":0.16288869489068375,"num_words":133,"start":155.535,"end":195.98},{"sentences":[{"text":"I don't know if you'd rather double up.","start":197.95999,"end":199.81999,"sentiment":"neutral","sentiment_score":0.011187533207703382},{"text":"Yeah.","start":201.15999,"end":201.65999,"sentiment":"neutral","sentiment_score":0.04229790344834328},{"text":"You can essentially have, like, default cover plus a retail policy coming out of it.","start":202.04,"end":206.475,"sentiment":"neutral","sentiment_score":0.05517800028125445},{"text":"Obviously, depends on premium fees.","start":207.99501,"end":210.335,"sentiment":"neutral","sentiment_score":0.015207442152313889},{"text":"Yeah.","start":214.475,"end":214.79501,"sentiment":"neutral","sentiment_score":0.08507365733385086}],"sentiment":"neutral","sentiment_score":0.03735263471414025,"num_words":30,"start":197.95999,"end":214.79501},{"sentences":[{"text":"It is a 187,000.","start":214.79501,"end":217.21501,"sentiment":"neutral","sentiment_score":0.06381164118647575},{"text":"I think it's a few $100 a year.","start":218.475,"end":220.475,"sentiment":"neutral","sentiment_score":0.1606169417500496},{"text":"They get a 15% rebate, which drops it down to about $281.22.","start":220.475,"end":227.98999,"sentiment":"neutral","sentiment_score":0.2716624513268471},{"text":"Yeah.","start":236.435,"end":236.595,"sentiment":"neutral","sentiment_score":0.06462858617305756},{"text":"So you went through all the application.","start":236.595,"end":238.61499,"sentiment":"neutral","sentiment_score":0.041179091802665165}],"sentiment":"neutral","sentiment_score":0.16103167948313057,"num_words":32,"start":214.79501,"end":238.61499},{"sentences":[{"text":"Yeah.","start":239.795,"end":240.19499,"sentiment":"neutral","sentiment_score":-0.004905659705400467},{"text":"Everything that you put in the application when it was first set up back in 2022, it would have locked in any kind of health and occupation information from that date backwards.","start":240.19499,"end":250.935,"sentiment":"neutral","sentiment_score":-0.02768767555244267},{"text":"So it's bit of...","start":265.79,"end":267.05502,"sentiment":"neutral","sentiment_score":-0.02054730337113142},{"text":"Bit backwards.","start":267.05502,"end":267.875,"sentiment":"neutral","sentiment_score":-0.05008001625537872},{"text":"With the the unit cover that you get for opening a super fund, that's unitized and goes down with with the...","start":268.33502,"end":277.555,"sentiment":"neutral","sentiment_score":-0.0005434701840082804}],"sentiment":"neutral","sentiment_score":-0.018077889954050384,"num_words":60,"start":239.795,"end":277.555},{"sentences":[{"text":"Oh, sorry.","start":277.935,"end":278.415,"sentiment":"neutral","sentiment_score":-0.06509751453995705},{"text":"Can you still hear me okay?","start":278.415,"end":279.715,"sentiment":"neutral","sentiment_score":-0.07205367585023244},{"text":"Sorry.","start":282.86002,"end":283.36002,"sentiment":"neutral","sentiment_score":-0.06430424749851227},{"text":"With the the default cover through UniSuper, it goes down with your age from the forties to the fifties.","start":283.5,"end":289.6,"sentiment":"neutral","sentiment_score":0.0030724551332624336},{"text":"With the the nails cover, because it's stepped, it actually slowly increases the cover and premiums each year.","start":290.94,"end":296.615,"sentiment":"neutral","sentiment_score":0.07451885276370579}],"sentiment":"neutral","sentiment_score":0.016802057947801506,"num_words":46,"start":277.935,"end":296.615},{"sentences":[{"text":"So it might be a 195 and then 202,000.","start":296.615,"end":299.975,"sentiment":"neutral","sentiment_score":0.05329959053132269},{"text":"It'll just slowly increase it with with inflation.","start":299.975,"end":303.035,"sentiment":"neutral","sentiment_score":-0.0025033486308529973},{"text":"So you've got one that'll go down, one that'll go up.","start":306.855,"end":309.21,"sentiment":"neutral","sentiment_score":0.04986352575096217},{"text":"Does that make sense?","start":311.21,"end":312.27,"sentiment":"neutral","sentiment_score":0.07106209453195333},{"text":"Cool.","start":320.25,"end":320.65,"sentiment":"neutral","sentiment_score":0.1614387333393097}],"sentiment":"neutral","sentiment_score":0.0440562248625087,"num_words":33,"start":296.615,"end":320.65},{"sentences":[{"text":"Correct.","start":320.65,"end":321.15,"sentiment":"neutral","sentiment_score":0.14873871207237244},{"text":"They're both exactly the same amounts.","start":327.68503,"end":329.605,"sentiment":"neutral","sentiment_score":0.021029881822566193},{"text":"They're kind of linked together.","start":329.605,"end":330.90503,"sentiment":"neutral","sentiment_score":0.02636159919202328},{"text":"Yeah.","start":334.725,"end":335.045,"sentiment":"neutral","sentiment_score":0.11700408160686492},{"text":"Correct.","start":335.045,"end":335.52502,"sentiment":"neutral","sentiment_score":0.1823973208665848}],"sentiment":"neutral","sentiment_score":0.050437671531523974,"num_words":14,"start":320.65,"end":335.52502},{"sentences":[{"text":"And because it's attached, so the attachment makes it cheaper.","start":335.52502,"end":338.86,"sentiment":"neutral","sentiment_score":0.14827846214175225},{"text":"But then if you claim on TBD, the life insurance goes down, and you've got a buyback option which fills it back up again.","start":338.86,"end":346.8,"sentiment":"neutral","sentiment_score":-0.04608024998257557},{"text":"It's listed as white collar occupation rating at the time, so pretty cheap.","start":350.935,"end":355.915,"sentiment":"neutral","sentiment_score":0.3186117536746539},{"text":"The other question I've got for you too is, so we do, like, claims assistance.","start":357.255,"end":361.83502,"sentiment":"neutral","sentiment_score":-0.027033642555276554},{"text":"So, god forbid, if something happens to you, you go through TPD.","start":362.14,"end":364.94,"sentiment":"neutral","sentiment_score":-0.10212259700832267}],"sentiment":"neutral","sentiment_score":0.039024805637529573,"num_words":74,"start":335.52502,"end":364.94},{"sentences":[{"text":"We help people through the claims packs and whatnot.","start":364.94,"end":367.6,"sentiment":"neutral","sentiment_score":0.01815921026799414},{"text":"We can either lead ourselves on there for claims assistance or we can remove ourselves off the policy if you'd prefer it that way.","start":369.18002,"end":375.195,"sentiment":"neutral","sentiment_score":-0.12812782792995372},{"text":"Yeah.","start":384.23502,"end":384.635,"sentiment":"neutral","sentiment_score":-0.13796599209308624},{"text":"Claims assistance, not so much.","start":384.635,"end":386.155,"sentiment":"neutral","sentiment_score":-0.12219308763742447},{"text":"It's claims advice.","start":386.155,"end":387.515,"sentiment":"neutral","sentiment_score":-0.06079854816198349}],"sentiment":"neutral","sentiment_score":-0.0914990964922167,"num_words":42,"start":364.94,"end":387.515},{"sentences":[{"text":"Like, we've got some clients that, you know, terminal, they get a million dollars, and they get advice on how to make the money last.","start":387.515,"end":393.89,"sentiment":"neutral","sentiment_score":-0.035316892191767695},{"text":"That's separate.","start":393.89,"end":394.61002,"sentiment":"neutral","sentiment_score":-0.10331537947058678},{"text":"That's a fee for that.","start":394.61002,"end":396.31,"sentiment":"neutral","sentiment_score":-0.10231348425149918},{"text":"But the assistance, not so much.","start":396.45,"end":398.53,"sentiment":"neutral","sentiment_score":-0.06074690477301677},{"text":"Reviewing the policy, not so much.","start":398.53,"end":400.37,"sentiment":"neutral","sentiment_score":-0.07656425361831982}],"sentiment":"neutral","sentiment_score":-0.05511335080320185,"num_words":44,"start":387.515,"end":400.37},{"sentences":[{"text":"But we do get, like, commissions for the policy.","start":400.37,"end":403.785,"sentiment":"neutral","sentiment_score":0.010422916875945197},{"text":"Like, 22% of the premiums comes through to us.","start":404.165,"end":406.805,"sentiment":"neutral","sentiment_score":0.0188519609057241},{"text":"So when I send through the documents to switch it to the other funds, I can get us removed off of there as well.","start":406.805,"end":413.82,"sentiment":"neutral","sentiment_score":-0.04254165066716572},{"text":"It's both.","start":425.26,"end":425.9,"sentiment":"neutral","sentiment_score":-0.06646164134144783},{"text":"So whoever's listed as, like, servicing advisers, we have, like, a adviser authority on the policy to assist with claims and receive commissions and so on.","start":425.9,"end":436.625,"sentiment":"neutral","sentiment_score":-0.009712804252138505}],"sentiment":"neutral","sentiment_score":-0.016328312988792146,"num_words":70,"start":400.37,"end":436.625},{"sentences":[{"text":"Yeah.","start":449.18,"end":449.68,"sentiment":"neutral","sentiment_score":-0.04408366233110428},{"text":"Oh, yeah.","start":457.435,"end":457.91498,"sentiment":"neutral","sentiment_score":-0.03363189194351435},{"text":"Yeah.","start":457.91498,"end":458.235,"sentiment":"neutral","sentiment_score":0.02613222040235996},{"text":"Great question.","start":458.235,"end":458.97498,"sentiment":"positive","sentiment_score":0.3398355394601822},{"text":"No.","start":459.19498,"end":459.595,"sentiment":"neutral","sentiment_score":-0.13011778891086578}],"sentiment":"neutral","sentiment_score":0.06633400917053223,"num_words":7,"start":449.18,"end":459.595},{"sentences":[{"text":"So they don't change the price to remove advisers from it.","start":459.595,"end":463.59497,"sentiment":"neutral","sentiment_score":-0.16626637225801294},{"text":"It's all kind of just a portion of it goes to the advice firm.","start":463.59497,"end":466.89,"sentiment":"neutral","sentiment_score":-0.02683267236820289},{"text":"They don't kind of increase or decrease the price based on that.","start":467.13,"end":470.67,"sentiment":"neutral","sentiment_score":-0.14970879318813482},{"text":"Yeah.","start":487.965,"end":488.465,"sentiment":"neutral","sentiment_score":0.0043602678924798965},{"text":"Gotcha.","start":498.18997,"end":498.68997,"sentiment":"neutral","sentiment_score":0.011174105107784271}],"sentiment":"neutral","sentiment_score":-0.10219381162180351,"num_words":39,"start":459.595,"end":498.68997},{"sentences":[{"text":"Yeah.","start":513.645,"end":514.045,"sentiment":"neutral","sentiment_score":0.003906877711415291},{"text":"No.","start":514.045,"end":514.445,"sentiment":"neutral","sentiment_score":-0.0327889621257782},{"text":"Great question.","start":514.445,"end":515.165,"sentiment":"neutral","sentiment_score":0.18312481045722961},{"text":"So we have what's called a a case management division that handles insurance claims.","start":515.165,"end":519.985,"sentiment":"neutral","sentiment_score":0.04802007680492742},{"text":"And, basically, what happens is, let's say you're in a car accident, can never work again, and you gave us a call and said, hey.","start":520.125,"end":527.70996,"sentiment":"neutral","sentiment_score":-0.03695697098970413}],"sentiment":"neutral","sentiment_score":0.0019935892331738804,"num_words":43,"start":513.645,"end":527.70996},{"sentences":[{"text":"Look.","start":527.70996,"end":527.94995,"sentiment":"neutral","sentiment_score":-0.017259329557418823},{"text":"I wanna claim on that TPD insurance.","start":527.94995,"end":530.05,"sentiment":"neutral","sentiment_score":-0.0184592248073646},{"text":"We would contact the insurer, get the...","start":530.43,"end":532.91,"sentiment":"neutral","sentiment_score":-0.0891935835991587},{"text":"That's it.","start":532.91,"end":533.47,"sentiment":"neutral","sentiment_score":0.018621639348566532},{"text":"Touch touch a few planks of wood.","start":533.47,"end":535.485,"sentiment":"neutral","sentiment_score":-0.018843681950654303}],"sentiment":"neutral","sentiment_score":-0.03606214514002204,"num_words":24,"start":527.70996,"end":535.485},{"sentences":[{"text":"We would go through the pack, make sure you...","start":536.285,"end":539.005,"sentiment":"neutral","sentiment_score":0.003969205646879143},{"text":"You know, it's all filled out with the doctors and everything, send it off to the providers, follow it up, help that way.","start":539.005,"end":545.505,"sentiment":"neutral","sentiment_score":0.0031646173143678384},{"text":"Same thing if it ends up with a life insurance scenario where, obviously, we're probably not the first people to call if you were to pass away, but we would go, okay.","start":545.805,"end":555.76,"sentiment":"neutral","sentiment_score":-0.02617256116354838},{"text":"Who's the listed beneficiary?","start":555.82,"end":557.12,"sentiment":"neutral","sentiment_score":0.04453840292990208},{"text":"And help forward on the documents, liaise with the insurers, help her get paid out, that kind of thing.","start":558.46,"end":568.595,"sentiment":"neutral","sentiment_score":0.08655691558593198}],"sentiment":"neutral","sentiment_score":0.012571518387024602,"num_words":87,"start":536.285,"end":568.595},{"sentences":[{"text":"Cool.","start":569.45496,"end":569.935,"sentiment":"positive","sentiment_score":0.40831804275512695},{"text":"So I'll kind of leave that in your call.","start":569.935,"end":572.01495,"sentiment":"neutral","sentiment_score":0.1667697239253256},{"text":"What we can do is we'll at least email the form so you've got them there.","start":572.01495,"end":575.34,"sentiment":"neutral","sentiment_score":0.11967532942071557},{"text":"And then if you wanna reply back to the email, if you want us to still be listed or not, we can just go off your instructions from there.","start":575.5,"end":582.48004,"sentiment":"neutral","sentiment_score":0.039596537513465715},{"text":"Cool.","start":584.78,"end":585.26,"sentiment":"positive","sentiment_score":0.5932681560516357}],"sentiment":"neutral","sentiment_score":0.099386045942083,"num_words":56,"start":569.45496,"end":585.26},{"sentences":[{"text":"And just with regards to the super, is there anything I can help you with on that end of things?","start":585.26,"end":589.74005,"sentiment":"neutral","sentiment_score":0.2389274649322033},{"text":"I know you obviously gotta go through forms and and whatnot, but anything I can help you with the hub portfolio in the interim or anything there?","start":589.74005,"end":597.47504,"sentiment":"neutral","sentiment_score":0.0689124386343691},{"text":"Yeah.","start":635.01,"end":635.41003,"sentiment":"neutral","sentiment_score":0.0013036280870437622},{"text":"So what we basically do is for for however long we're listed on the account, if a request comes through to to do a full rollover, we basically jump on and sell off the investments down to cash so that they can be moved across to the other fund.","start":635.41003,"end":650.915,"sentiment":"neutral","sentiment_score":-0.05294119627500067},{"text":"If we, like, remove ourselves off there today, then it gets wiped from our dashboard, and we can't see your account anymore, so we wouldn't be able to touch any of it.","start":652.095,"end":671.6,"sentiment":"neutral","sentiment_score":-0.15575218060985208}],"sentiment":"neutral","sentiment_score":-0.0072689893576063855,"num_words":129,"start":585.26,"end":671.6},{"sentences":[{"text":"Yeah.","start":671.81995,"end":672.195,"sentiment":"neutral","sentiment_score":-0.10992532968521118},{"text":"Yep.","start":686.355,"end":686.855,"sentiment":"neutral","sentiment_score":-0.06789092719554901},{"text":"Yeah.","start":687.235,"end":687.63,"sentiment":"neutral","sentiment_score":-0.15570521354675293},{"text":"Right.","start":702.59,"end":702.975,"sentiment":"negative","sentiment_score":-0.5041037201881409},{"text":"Did you know that it was gonna be harder to sell, or was that just thinking out loud?","start":713.935,"end":717.63,"sentiment":"negative","sentiment_score":-0.3788548351989852}],"sentiment":"negative","sentiment_score":-0.34804601019079034,"num_words":22,"start":671.81995,"end":717.63},{"sentences":[{"text":"You're not talking about, like, the shield master trust stuff and things like that, was it?","start":744.495,"end":748.49,"sentiment":"neutral","sentiment_score":-0.2673686137422919},{"text":"No way.","start":748.87,"end":749.69,"sentiment":"negative","sentiment_score":-0.536860466003418},{"text":"Yeah.","start":763.60504,"end":764.10504,"sentiment":"neutral","sentiment_score":-0.06764571368694305},{"text":"Right.","start":771.205,"end":771.69,"sentiment":"neutral","sentiment_score":-0.1410920023918152},{"text":"Yeah.","start":784.57,"end":784.935,"sentiment":"neutral","sentiment_score":-0.2678960859775543}],"sentiment":"neutral","sentiment_score":-0.2775358359018962,"num_words":21,"start":744.495,"end":784.935},{"sentences":[{"text":"Yeah.","start":819.125,"end":819.625,"sentiment":"neutral","sentiment_score":-0.15724149346351624},{"text":"Yeah.","start":847.995,"end":848.495,"sentiment":"neutral","sentiment_score":-0.05180720239877701},{"text":"Right.","start":848.955,"end":849.455,"sentiment":"neutral","sentiment_score":-0.05287913233041763},{"text":"Right.","start":875.945,"end":876.24,"sentiment":"negative","sentiment_score":-0.4656298756599426},{"text":"Oh, jeez.","start":887.6,"end":888.18,"sentiment":"neutral","sentiment_score":-0.20037848502397537}],"sentiment":"neutral","sentiment_score":-0.1880524456501007,"num_words":6,"start":819.125,"end":888.18},{"sentences":[{"text":"I'm sorry your your partner's going through that at the moment.","start":888.71497,"end":891.455,"sentiment":"neutral","sentiment_score":-0.3318157304417003},{"text":"One one thing that I absolutely can let you know upfront is that Benelon option you mentioned, that's a that's a managed fund, not an ETF.","start":892.315,"end":901.695,"sentiment":"neutral","sentiment_score":0.1129942827213269},{"text":"So generally speaking, whenever you do a sell on hub as a as a platform, the ETFs are sold down within a couple of days.","start":902.22,"end":911.27997,"sentiment":"neutral","sentiment_score":0.049121258854866026},{"text":"The managed funds, no matter who it is, it's usually after two weeks if it's international.","start":911.89996,"end":916.88,"sentiment":"neutral","sentiment_score":-0.030634045018814504},{"text":"Yeah.","start":918.305,"end":918.805,"sentiment":"neutral","sentiment_score":-0.14601781964302063}],"sentiment":"neutral","sentiment_score":-0.0015221867427418503,"num_words":79,"start":888.71497,"end":918.805},{"sentences":[{"text":"Or if they, like, went under as a fund and the money got locked up kind of thing, that would probably be that scenario.","start":923.185,"end":929.60504,"sentiment":"neutral","sentiment_score":-0.2074027837564548},{"text":"At this point, I know they've got...","start":931.20996,"end":932.81,"sentiment":"neutral","sentiment_score":-0.06447636442525047},{"text":"They got bought out a little while ago.","start":932.81,"end":934.67,"sentiment":"neutral","sentiment_score":-0.15006964653730392},{"text":"Their investments are kind of bouncing back a little bit, so they're not as much of an at risk of that.","start":934.73,"end":940.02997,"sentiment":"neutral","sentiment_score":-0.2625653928234464},{"text":"But, yeah, couple of days for ETFs, couple of weeks for managed funds, that's pretty standard.","start":940.08997,"end":944.575,"sentiment":"neutral","sentiment_score":0.03346268308814615}],"sentiment":"neutral","sentiment_score":-0.15273722175410703,"num_words":76,"start":923.185,"end":944.575},{"sentences":[{"text":"Anything longer than that, and then there's a concern.","start":944.575,"end":947.715,"sentiment":"neutral","sentiment_score":-0.10944784432649612},{"text":"Yeah.","start":957.535,"end":957.935,"sentiment":"neutral","sentiment_score":0.01127740740776062},{"text":"And it might be...","start":957.935,"end":959.075,"sentiment":"neutral","sentiment_score":-0.016682053450495005},{"text":"What?","start":959.36005,"end":959.60004,"sentiment":"neutral","sentiment_score":-0.047659046947956085},{"text":"Like, it might be a couple of weeks and then the cash is there, and then it takes them a couple of days to transfer it.","start":959.60004,"end":965.46,"sentiment":"neutral","sentiment_score":-0.045981564200841464}],"sentiment":"neutral","sentiment_score":-0.05569905174396387,"num_words":41,"start":944.575,"end":965.46},{"sentences":[{"text":"So I wouldn't be waiting any longer than, say, three weeks.","start":966.16003,"end":969.06006,"sentiment":"neutral","sentiment_score":-0.012946359474550594},{"text":"Cool.","start":970.80005,"end":971.30005,"sentiment":"positive","sentiment_score":0.45315366983413696},{"text":"Awesome.","start":972.72003,"end":973.22003,"sentiment":"positive","sentiment_score":0.4655033349990845},{"text":"So from there, basically, we'll send you the forms for the for the Neos.","start":973.47504,"end":977.17505,"sentiment":"neutral","sentiment_score":0.16328991098063333},{"text":"If you're comfortable, I guess, we just sort of leave ourselves with access for the time being until it gets moved...","start":978.195,"end":984.135,"sentiment":"neutral","sentiment_score":0.11604893243029005}],"sentiment":"neutral","sentiment_score":0.11456944552871089,"num_words":48,"start":966.16003,"end":984.135},{"sentences":[{"text":"The request come through to move it across, if that's your preference.","start":984.435,"end":987.27,"sentiment":"neutral","sentiment_score":0.08924472518265247},{"text":"Cool.","start":990.31,"end":990.81,"sentiment":"positive","sentiment_score":0.4200738966464996},{"text":"Yeah.","start":999.19,"end":999.69,"sentiment":"neutral","sentiment_score":0.27617794275283813},{"text":"The other thing to remember though too is you've got our fees come out of the the hub 24 monthly.","start":1002.405,"end":1008.585,"sentiment":"neutral","sentiment_score":-0.011484900675714015},{"text":"So it's a question of do you want us there to help sort of sell it down, or do you want us to to click that off?","start":1008.965,"end":1014.505,"sentiment":"neutral","sentiment_score":-0.01957534977959262}],"sentiment":"neutral","sentiment_score":0.0165402636725883,"num_words":61,"start":984.435,"end":1014.505},{"sentences":[{"text":"So just bear in mind, there is the adviser fees out of the super.","start":1015.68506,"end":1019.22003,"sentiment":"neutral","sentiment_score":-0.03421519537057195},{"text":"So that's the thing that would keep ticking.","start":1019.28,"end":1021.22003,"sentiment":"neutral","sentiment_score":-0.06130385026335716},{"text":"So insurance policies is just a trailing, but there's a service agreement on there, which we can kind of remove the service agreement, probably the way to do it.","start":1024.88,"end":1035.6349,"sentiment":"neutral","sentiment_score":-0.06018222862019621},{"text":"Correct.","start":1041.2949,"end":1041.7749,"sentiment":"neutral","sentiment_score":0.04102802276611328},{"text":"As soon as the account closes, same thing.","start":1041.7749,"end":1043.7749,"sentiment":"neutral","sentiment_score":0.009865504340268672}],"sentiment":"neutral","sentiment_score":-0.043246268496538204,"num_words":60,"start":1015.68506,"end":1043.7749},{"sentences":[{"text":"Exactly right.","start":1043.7749,"end":1044.54,"sentiment":"neutral","sentiment_score":0.10672355443239212},{"text":"Yep.","start":1056.86,"end":1057.36,"sentiment":"neutral","sentiment_score":0.09395953267812727},{"text":"So just in case, do you want me to get the team to give you a buzz in a couple of weeks just to follow-up and see how you're going?","start":1057.5,"end":1062.995,"sentiment":"neutral","sentiment_score":0.08048927063743273},{"text":"I don't want it to sit there and tick for six more months or something.","start":1062.995,"end":1066.135,"sentiment":"neutral","sentiment_score":-0.26220766405264534},{"text":"Yeah.","start":1068.755,"end":1069.255,"sentiment":"neutral","sentiment_score":0.011817151680588722}],"sentiment":"neutral","sentiment_score":-0.02447373568251425,"num_words":49,"start":1043.7749,"end":1069.255},{"sentences":[{"text":"Because that way...","start":1069.475,"end":1070.2749,"sentiment":"neutral","sentiment_score":-0.011606929202874502},{"text":"Look.","start":1070.2749,"end":1070.4349,"sentiment":"neutral","sentiment_score":-0.08500152826309204},{"text":"If we're if we're charging you fees without providing any service or advice, we get caught into fee for no service arrangements.","start":1070.4349,"end":1077.28,"sentiment":"neutral","sentiment_score":-0.23540063913572917},{"text":"And so happy to kind of help with transactions and stuff like that, but I don't want it to kind of drag on forever.","start":1077.7401,"end":1083.4401,"sentiment":"neutral","sentiment_score":-0.15579148412992558},{"text":"That's not good for you as well.","start":1084.7001,"end":1086.4,"sentiment":"neutral","sentiment_score":-0.0021530623946871075}],"sentiment":"neutral","sentiment_score":-0.15881935846910142,"num_words":57,"start":1069.475,"end":1086.4},{"sentences":[{"text":"Cool.","start":1088.0549,"end":1088.2949,"sentiment":"positive","sentiment_score":0.4045889675617218},{"text":"So I'll just pencil in for them to call in a couple of weeks.","start":1088.2949,"end":1091.115,"sentiment":"neutral","sentiment_score":0.20039966808898108},{"text":"And, again, email through those forms.","start":1092.455,"end":1094.375,"sentiment":"neutral","sentiment_score":0.1735919713973999},{"text":"That way, whether it's email, text, or call, we've got an open line of communication.","start":1094.375,"end":1098.235,"sentiment":"neutral","sentiment_score":0.21051258345444998},{"text":"Awesome, man.","start":1100.375,"end":1101.24,"sentiment":"positive","sentiment_score":0.8262985348701477}],"sentiment":"neutral","sentiment_score":0.238474262388129,"num_words":38,"start":1088.0549,"end":1101.24},{"sentences":[{"text":"Is there anything else I can help you with before I let you go?","start":1101.32,"end":1103.9,"sentiment":"positive","sentiment_score":0.3720405570098332},{"text":"No.","start":1109.24,"end":1109.5599,"sentiment":"neutral","sentiment_score":0.1594117134809494},{"text":"I appreciate yours, Daryl, and we'll talk to you in a couple of weeks.","start":1109.5599,"end":1112.8109,"sentiment":"positive","sentiment_score":0.4813998895032065},{"text":"Thanks, mate.","start":1115.2109,"end":1115.7709,"sentiment":"positive","sentiment_score":0.7002719044685364},{"text":"Have a good night.","start":1115.7709,"end":1116.4109,"sentiment":"positive","sentiment_score":0.6406315714120865}],"sentiment":"positive","sentiment_score":0.4591613731213978,"num_words":35,"start":1101.32,"end":1116.4109},{"sentences":[{"text":"Bye.","start":1116.4109,"end":1116.9109,"sentiment":"neutral","sentiment_score":-0.1146303564310074}],"sentiment":"neutral","sentiment_score":-0.1146303564310074,"num_words":1,"start":1116.4109,"end":1116.9109}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Not too bad. Yeah. Pretty good. Yep. Yeah. Yeah. I'd like to. I haven't put the paperwork in yet, but, yeah, that's... I'm thinking of of of moving over to them. Yeah. Yeah. Yeah. Yeah. That's fine. Yep. Yeah. Thirty first of the seventh... 07/31/1984. That'd be 11 Burnhite Crescent, City Downs, Queensland 4556. Yeah. That's fine, man. Yep. Yep. No. I haven't yet. No. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Okay. And can it still come out of my super fund? So can I bring that to UniSuper? Can that still come out of my my super instead of my pop... Back pocket? Cool. Yeah. Yep. Yep. Cool. Alright. Okay. Cool. Yep. Alright. Cool. Yep. Yep. Yeah. Okay. So you can you can have both, can you? How much how much am I covered for with mine? I think it's, like, a 150 or 200. Yeah. K. Yeah. Okay. Yeah. And that's underwritten. So have you got the details of the underwriting? And that's stepped as well. So I'd get less as I go along to say... By the time I get to 45, do you know how much that amount... Payout amount would be? Hello? Yeah. Yeah. You just dropped out. Todd. Yep. Okay. Alright. Okay. Yeah. I gotcha. Alright. Yeah. Yeah. Yeah. So there's life and then there's permanent disability or whatever it is, isn't it? TPD? Yeah. Cool. And so how much is life and how much is TPD? Just so... I thought I'd put on it. Okay. Okay. It's about $1.90 it was, wasn't it? Oh, okay. Yep. Yep. Alright. Mhmm. Would I have to? Yeah. I mean, if I have to pay... If that's something I'd have to pay for, I'd probably take it off the claims assistance. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Well, say... Yeah. Well, like, if that's sorry. What... Removed as the assistance or removed as the trailing commission. Sorry. I missed missed that. Okay. Oh, okay. But with those commissions... So I'm just trying to trying to follow how it's set up. So if you're taken off, do I pay less or for for the policy? Okay. And then in real world terms, like, assistance can can mean, like, assistance is, like, a word that could be misused. Like, assistance could be construed as I would be helped every step of the way, or assistance could be just I get a phone call and then box teeth I've been assisted. So... Yeah. So, like, what exactly does the assistance entail? Like, God God forbid. Yes. Yep. Yep. Yep. Yeah. K. Gotcha. Yep. Alright. Sounds good. Yeah. Yeah. Yeah. Easy. Alright. Cool. Yeah. They might they might... Yeah. They they could be. Like, if I... Well, when I go to do the rollover and the rollout and all that sort of stuff, if anything pops up, can I still contact you to ask you, hey? Look. This this, like, this needs to happen or that needs to happen or they said this. Just try and make it a smoother process. Like, I assume it would be fairly fairly easy, fairly smooth process, but, yeah, just until it's all moved over. Yep. Yep. Yeah. Yeah. Yeah. So I was hoping that doesn't happen. Just if I've got some issues, I can call you back up and say, oh, hey. They're saying this this fund hasn't been sold into cash. Do you know what the delay is, etcetera, etcetera. Because then there's, like, a Benelung or something there that might be... I'm just guessing or I'm, like, just thinking my thoughts out loud. It might be harder to sell into cash than the the others. So that was slow moving because there's some sort of situation where somebody says, no. We don't we don't want you to sell that. We don't like the idea of that investment being sold, then, you know, I can contact you and say, hey. Look. You know, I think think this needs to happen. You know what I mean? Like... That's that's me just reading between the the lines with these sorts of things. Like, I think with with my wife, she got caught up in all that business with those... I don't know. It wasn't even really the advisers. It's the dodgy fund managers who are just softening money out of a fund into their own private property and bullshit. Yeah. I am. Yeah. Yeah. And and so that money's back, but then there's... I thought it was a lot worse than what it was because I thought... Because there's so many freaking names flying around with the with the different investments. But there's something called... In that fund, there's something called a Climb Act smart fund that they're trying to sell out of that they can't sell. And I was like, for crying out loud, that's another percentage there that... And they said, no. You need to stay in this because then it'll be easier for you to get your money. And I'm like, yeah. Let's not add more complication to process. But now they've got something else that we want. Like, we're trying to move her money out, and there's something else that is impinges, not smooth. And I'm like, mate, if he's been along, don't play ball, I'm not gonna be too happy because it's... I I think it's those kind of investments. So you're gonna be that that... Where people, like, on on the other end, like... So you're like a middleman, and then there's, like, that fund. They're the ones that seem to cause trouble is, like, it's where... Because because I think, in my own opinion, that's where your commissions are, like higher commissions. It's like you break down all the investments, and then if we throw it into an ETF with Vanguard or bloody somebody else, you don't get much out of that. But if you're... If you can put money into a specific fund, that's where you get paid because you get a high commission on that to grease the wheels. And, oh, mate, no one's looking at old mate really because he's he's gotten verified from god knows who. So, yeah, so that's that's where I see this whole business comes on stock is that pretty much you gotta be really careful because there's people out there that have hacked the system, and they've figured it out and made money for themselves. And, you know, people caught in the middle and on the half end of it are the ones that miss out. So... Yeah. Yep. Yep. Yep. Yep. Oh, two weeks is fine. I'm I'm like... It's like six months, a year, two years, and I'm I'm not too happy. Yeah. Yep. Yep. Well, that's good good to know. Yeah. Okay. Cool. I can I can wait a month, I guess, from time when I switch it over to? Before I, you know, might give you a call. Go, hey. What's going on? Yep. Yep. Yeah. Cool. Cool. Cool. Sweet. Yeah. Yep. Yep. Yep. Yeah. Yeah. I'll probably keep you on, you know. If if there's no difference in in price or whatever, then there's no harm in keeping you on. So Yeah. What? Yep. Yeah. Well, once the money is rolled out, the service agreement's not on void, isn't it? It's like... Yeah. Obviously. Yeah. Yeah. So that's... Yeah. That's probably it. Because either way, that 1.65% will be calculated. If we're talking weeks, then it's probably not that big a deal. So Yeah. That'd be that'd be great. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Easy done. Cool. Cool. Yep. Yep. Easy done. Alright. Thank you. No. That's about it. Thanks thanks for calling, and thanks for giving me your time. That's that's great. Thank you. Thanks, mate. Speak to you then. Cheers, 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Yeah. Not too bad. Yeah. Pretty good.\n\nYep. Yeah. Yeah. I'd like to. I haven't put the paperwork in yet, but, yeah, that's...\n\nI'm thinking of of of moving over to them. Yeah. Yeah. Yeah. Yeah.\n\nThat's fine. Yep. Yeah. Thirty first of the seventh... 07/31/1984.\n\nThat'd be 11 Burnhite Crescent, City Downs, Queensland 4556. Yeah. That's fine, man. Yep. Yep.\n\nNo. I haven't yet. No. Yep. Yep.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nOkay. And can it still come out of my super fund? So can I bring that to UniSuper? Can that still come out of my my super instead of my pop... Back pocket?\n\nCool. Yeah. Yep. Yep. Cool.\n\nAlright. Okay. Cool. Yep. Alright.\n\nCool. Yep. Yep. Yeah. Okay.\n\nSo you can you can have both, can you? How much how much am I covered for with mine? I think it's, like, a 150 or 200. Yeah. K.\n\nYeah. Okay. Yeah. And that's underwritten. So have you got the details of the underwriting?\n\nAnd that's stepped as well. So I'd get less as I go along to say... By the time I get to 45, do you know how much that amount... Payout amount would be? Hello?\n\nYeah. Yeah. You just dropped out. Todd. Yep.\n\nOkay. Alright. Okay. Yeah. I gotcha.\n\nAlright. Yeah. Yeah. Yeah. So there's life and then there's permanent disability or whatever it is, isn't it?\n\nTPD? Yeah. Cool. And so how much is life and how much is TPD? Just so...\n\nI thought I'd put on it. Okay. Okay. It's about $1.90 it was, wasn't it? Oh, okay.\n\nYep. Yep. Alright. Mhmm. Would I have to?\n\nYeah. I mean, if I have to pay... If that's something I'd have to pay for, I'd probably take it off the claims assistance. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Well, say...\n\nYeah. Well, like, if that's sorry. What... Removed as the assistance or removed as the trailing commission. Sorry.\n\nI missed missed that. Okay. Oh, okay. But with those commissions... So I'm just trying to trying to follow how it's set up.\n\nSo if you're taken off, do I pay less or for for the policy? Okay. And then in real world terms, like, assistance can can mean, like, assistance is, like, a word that could be misused. Like, assistance could be construed as I would be helped every step of the way, or assistance could be just I get a phone call and then box teeth I've been assisted. So...\n\nYeah. So, like, what exactly does the assistance entail? Like, God God forbid. Yes. Yep.\n\nYep. Yep. Yeah. K. Gotcha.\n\nYep. Alright. Sounds good. Yeah. Yeah.\n\nYeah. Easy. Alright. Cool. Yeah.\n\nThey might they might... Yeah. They they could be. Like, if I... Well, when I go to do the rollover and the rollout and all that sort of stuff, if anything pops up, can I still contact you to ask you, hey?\n\nLook. This this, like, this needs to happen or that needs to happen or they said this. Just try and make it a smoother process. Like, I assume it would be fairly fairly easy, fairly smooth process, but, yeah, just until it's all moved over. Yep.\n\nYep. Yeah. Yeah. Yeah. So I was hoping that doesn't happen.\n\nJust if I've got some issues, I can call you back up and say, oh, hey. They're saying this this fund hasn't been sold into cash. Do you know what the delay is, etcetera, etcetera. Because then there's, like, a Benelung or something there that might be... I'm just guessing or I'm, like, just thinking my thoughts out loud.\n\nIt might be harder to sell into cash than the the others. So that was slow moving because there's some sort of situation where somebody says, no. We don't we don't want you to sell that. We don't like the idea of that investment being sold, then, you know, I can contact you and say, hey. Look.\n\nYou know, I think think this needs to happen. You know what I mean? Like... That's that's me just reading between the the lines with these sorts of things. Like, I think with with my wife, she got caught up in all that business with those...\n\nI don't know. It wasn't even really the advisers. It's the dodgy fund managers who are just softening money out of a fund into their own private property and bullshit. Yeah. I am.\n\nYeah. Yeah. And and so that money's back, but then there's... I thought it was a lot worse than what it was because I thought... Because there's so many freaking names flying around with the with the different investments.\n\nBut there's something called... In that fund, there's something called a Climb Act smart fund that they're trying to sell out of that they can't sell. And I was like, for crying out loud, that's another percentage there that... And they said, no. You need to stay in this because then it'll be easier for you to get your money.\n\nAnd I'm like, yeah. Let's not add more complication to process. But now they've got something else that we want. Like, we're trying to move her money out, and there's something else that is impinges, not smooth. And I'm like, mate, if he's been along, don't play ball, I'm not gonna be too happy because it's...\n\nI I think it's those kind of investments. So you're gonna be that that... Where people, like, on on the other end, like... So you're like a middleman, and then there's, like, that fund. They're the ones that seem to cause trouble is, like, it's where...\n\nBecause because I think, in my own opinion, that's where your commissions are, like higher commissions. It's like you break down all the investments, and then if we throw it into an ETF with Vanguard or bloody somebody else, you don't get much out of that. But if you're... If you can put money into a specific fund, that's where you get paid because you get a high commission on that to grease the wheels. And, oh, mate, no one's looking at old mate really because he's he's gotten verified from god knows who.\n\nSo, yeah, so that's that's where I see this whole business comes on stock is that pretty much you gotta be really careful because there's people out there that have hacked the system, and they've figured it out and made money for themselves. And, you know, people caught in the middle and on the half end of it are the ones that miss out. So... Yeah. Yep.\n\nYep. Yep. Yep. Oh, two weeks is fine. I'm I'm like...\n\nIt's like six months, a year, two years, and I'm I'm not too happy. Yeah. Yep. Yep. Well, that's good good to know.\n\nYeah. Okay. Cool. I can I can wait a month, I guess, from time when I switch it over to? Before I, you know, might give you a call.\n\nGo, hey. What's going on? Yep. Yep. Yeah.\n\nCool. Cool. Cool. Sweet. Yeah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nI'll probably keep you on, you know. If if there's no difference in in price or whatever, then there's no harm in keeping you on. So Yeah. What? Yep.\n\nYeah. Well, once the money is rolled out, the service agreement's not on void, isn't it? It's like... Yeah. Obviously.\n\nYeah. Yeah. So that's... Yeah. That's probably it.\n\nBecause either way, that 1.65% will be calculated. If we're talking weeks, then it's probably not that big a deal. So Yeah. That'd be that'd be great. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Easy done. Cool. Cool. Yep.\n\nYep. Easy done. Alright. Thank you. No.\n\nThat's about it. Thanks thanks for calling, and thanks for giving me your time. That's that's great. Thank you. Thanks, mate.\n\nSpeak to you then. Cheers, buddy.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.033624906092882156},{"text":"Yeah.","start":15.1449995,"end":15.305,"sentiment":"neutral","sentiment_score":0.09991087019443512},{"text":"Not too bad.","start":15.305,"end":16.105,"sentiment":"neutral","sentiment_score":0.19764135777950287},{"text":"Yeah.","start":16.105,"end":16.605,"sentiment":"neutral","sentiment_score":0.17317552864551544},{"text":"Pretty 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happen.","start":660.265,"end":662.60504,"sentiment":"neutral","sentiment_score":-0.24593671517712729}],"sentiment":"neutral","sentiment_score":-0.18989920683882452,"num_words":11,"start":651.15,"end":662.60504},{"sentences":[{"text":"Just if I've got some issues, I can call you back up and say, oh, hey.","start":663.145,"end":667.41,"sentiment":"neutral","sentiment_score":-0.1605903021991253},{"text":"They're saying this this fund hasn't been sold into cash.","start":667.41,"end":671.11,"sentiment":"neutral","sentiment_score":-0.2846138462424278},{"text":"Do you know what the delay is, etcetera, etcetera.","start":671.64996,"end":675.41,"sentiment":"neutral","sentiment_score":-0.14008461435635886},{"text":"Because then there's, like, a Benelung or something there that might be...","start":675.41,"end":680.87,"sentiment":"neutral","sentiment_score":-0.12847188549737135},{"text":"I'm just guessing or I'm, like, just thinking my thoughts out 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hey.","start":702.19995,"end":708.51996,"sentiment":"neutral","sentiment_score":-0.24402095545083285},{"text":"Look.","start":708.51996,"end":708.75995,"sentiment":"neutral","sentiment_score":-0.1598832607269287}],"sentiment":"negative","sentiment_score":-0.4036595050833727,"num_words":57,"start":687.395,"end":708.75995},{"sentences":[{"text":"You know, I think think this needs to happen.","start":708.75995,"end":711.925,"sentiment":"neutral","sentiment_score":-0.24486173358228472},{"text":"You know what I mean?","start":711.925,"end":712.725,"sentiment":"neutral","sentiment_score":-0.21934593617916107},{"text":"Like...","start":712.725,"end":713.225,"sentiment":"neutral","sentiment_score":-0.14590400457382202},{"text":"That's that's me just reading between the the lines with these sorts of things.","start":719.52496,"end":724.40497,"sentiment":"negative","sentiment_score":-0.3412668726273945},{"text":"Like, I think with with my wife, she got caught up in all that business with those...","start":724.40497,"end":733.52,"sentiment":"neutral","sentiment_score":-0.2522076736478245}],"sentiment":"neutral","sentiment_score":-0.27199252079362457,"num_words":46,"start":708.75995,"end":733.52},{"sentences":[{"text":"I don't know.","start":736.14,"end":736.38,"sentiment":"neutral","sentiment_score":-0.28556140263875324},{"text":"It wasn't even really the advisers.","start":736.38,"end":738.16003,"sentiment":"neutral","sentiment_score":-0.32232819497585297},{"text":"It's the dodgy fund managers who are just softening money out of a fund into their own private property and bullshit.","start":738.22003,"end":746.135,"sentiment":"negative","sentiment_score":-0.49203387470472426},{"text":"Yeah.","start":746.995,"end":747.315,"sentiment":"neutral","sentiment_score":-0.1367698311805725},{"text":"I am.","start":747.315,"end":747.715,"sentiment":"neutral","sentiment_score":-0.14932993799448013}],"sentiment":"negative","sentiment_score":-0.41087255920424604,"num_words":33,"start":736.14,"end":747.715},{"sentences":[{"text":"Yeah.","start":747.715,"end":748.215,"sentiment":"neutral","sentiment_score":-0.07256090641021729},{"text":"Yeah.","start":748.59503,"end":749.09503,"sentiment":"neutral","sentiment_score":-0.17218755185604095},{"text":"And and so that money's back, but then there's...","start":750.195,"end":753.99,"sentiment":"neutral","sentiment_score":-0.3316789037651486},{"text":"I thought it was a lot worse than what it was because I thought...","start":754.69,"end":757.75,"sentiment":"negative","sentiment_score":-0.6023827812501362},{"text":"Because there's so many freaking names flying around with the with the different investments.","start":757.97,"end":762.63,"sentiment":"neutral","sentiment_score":-0.25066521231617245}],"sentiment":"negative","sentiment_score":-0.38903924364310044,"num_words":39,"start":747.715,"end":762.63},{"sentences":[{"text":"But there's something called...","start":763.00995,"end":763.88995,"sentiment":"neutral","sentiment_score":-0.11363058909773827},{"text":"In that fund, there's something called a Climb Act smart fund that they're trying to sell out of that they can't sell.","start":763.88995,"end":770.45496,"sentiment":"neutral","sentiment_score":-0.2901541983539408},{"text":"And I was like, for crying out loud, that's another percentage there that...","start":770.45496,"end":775.755,"sentiment":"neutral","sentiment_score":-0.23024692730261728},{"text":"And they said, no.","start":775.895,"end":776.775,"sentiment":"negative","sentiment_score":-0.34662918001413345},{"text":"You need to stay in this because then it'll be easier for you to get your money.","start":776.775,"end":780.455,"sentiment":"neutral","sentiment_score":-0.32094434692579155}],"sentiment":"neutral","sentiment_score":-0.2778949232151111,"num_words":60,"start":763.00995,"end":780.455},{"sentences":[{"text":"And I'm like, yeah.","start":780.455,"end":781.52997,"sentiment":"neutral","sentiment_score":-0.28868311643600464},{"text":"Let's not add more complication to process.","start":781.52997,"end":783.79,"sentiment":"negative","sentiment_score":-0.3625429719686508},{"text":"But now they've got something else that we want.","start":784.32996,"end":787.29,"sentiment":"negative","sentiment_score":-0.4307415816518996},{"text":"Like, we're trying to move her money out, and there's something else that is impinges, not smooth.","start":787.29,"end":794.97,"sentiment":"negative","sentiment_score":-0.5355879480347914},{"text":"And I'm like, mate, if he's been along, don't play ball, I'm not gonna be too happy because it's...","start":794.97,"end":803.115,"sentiment":"negative","sentiment_score":-0.49504691832943964}],"sentiment":"negative","sentiment_score":-0.4657159655221871,"num_words":56,"start":780.455,"end":803.115},{"sentences":[{"text":"I I think it's those kind of investments.","start":803.495,"end":806.315,"sentiment":"negative","sentiment_score":-0.419383704662323},{"text":"So you're gonna be that that...","start":806.375,"end":808.455,"sentiment":"neutral","sentiment_score":-0.2545149475336075},{"text":"Where people, like, on on the other end, like...","start":808.455,"end":812.13,"sentiment":"neutral","sentiment_score":-0.14650049060583115},{"text":"So you're like a middleman, and then there's, like, that fund.","start":812.13,"end":815.91,"sentiment":"neutral","sentiment_score":-0.23500028929927133},{"text":"They're the ones that seem to cause trouble is, like, it's where...","start":816.20996,"end":819.89,"sentiment":"neutral","sentiment_score":-0.2538534415264924}],"sentiment":"neutral","sentiment_score":-0.25721539605570876,"num_words":46,"start":803.495,"end":819.89},{"sentences":[{"text":"Because because I think, in my own opinion, that's where your commissions are, like higher commissions.","start":819.89,"end":827.345,"sentiment":"neutral","sentiment_score":-0.17315782979130745},{"text":"It's like you break down all the investments, and then if we throw it into an ETF with Vanguard or bloody somebody else, you don't get much out of that.","start":827.345,"end":840.24,"sentiment":"neutral","sentiment_score":-0.12341118715703488},{"text":"But if you're...","start":840.24,"end":841.04,"sentiment":"neutral","sentiment_score":-0.10051771998405457},{"text":"If you can put money into a specific fund, that's where you get paid because you get a high commission on that to grease the wheels.","start":841.04,"end":850.085,"sentiment":"neutral","sentiment_score":-0.03323540499863716},{"text":"And, oh, mate, no one's looking at old mate really because he's he's gotten verified from god knows who.","start":850.085,"end":860.425,"sentiment":"neutral","sentiment_score":-0.26630192289226934}],"sentiment":"neutral","sentiment_score":-0.13508799059831716,"num_words":94,"start":819.89,"end":860.425},{"sentences":[{"text":"So, yeah, so that's that's where I see this whole business comes on stock is that pretty much you gotta be really careful because there's people out there that have hacked the system, and they've figured it out and made money for themselves.","start":860.965,"end":878.535,"sentiment":"negative","sentiment_score":-0.42943852862646414},{"text":"And, you know, people caught in the middle and on the half end of it are the ones that miss out.","start":879.235,"end":886.615,"sentiment":"negative","sentiment_score":-0.4959675868352254},{"text":"So...","start":887.315,"end":887.815,"sentiment":"neutral","sentiment_score":-0.18929500877857208},{"text":"Yeah.","start":888.195,"end":888.695,"sentiment":"neutral","sentiment_score":-0.12089405953884123},{"text":"Yep.","start":896.67,"end":897.17,"sentiment":"neutral","sentiment_score":0.17988654971122742}],"sentiment":"negative","sentiment_score":-0.43300714288184894,"num_words":67,"start":860.965,"end":897.17},{"sentences":[{"text":"Yep.","start":901.14996,"end":901.64996,"sentiment":"neutral","sentiment_score":0.06947049498558044},{"text":"Yep.","start":902.51,"end":903.01,"sentiment":"neutral","sentiment_score":0.1376718282699585},{"text":"Yep.","start":915.525,"end":915.92505,"sentiment":"neutral","sentiment_score":-0.007130646612495184},{"text":"Oh, two weeks is fine.","start":915.92505,"end":917.28503,"sentiment":"neutral","sentiment_score":0.008027397654950618},{"text":"I'm I'm like...","start":917.28503,"end":918.085,"sentiment":"neutral","sentiment_score":-0.025848391155401867}],"sentiment":"neutral","sentiment_score":0.014782135586508295,"num_words":11,"start":901.14996,"end":918.085},{"sentences":[{"text":"It's like six months, a year, two years, and I'm I'm not too happy.","start":918.085,"end":922.6,"sentiment":"neutral","sentiment_score":-0.3276627351130758},{"text":"Yeah.","start":923.86,"end":924.36,"sentiment":"neutral","sentiment_score":-0.15146559476852417},{"text":"Yep.","start":930.26,"end":930.76,"sentiment":"neutral","sentiment_score":-0.02841719053685665},{"text":"Yep.","start":940.225,"end":940.725,"sentiment":"neutral","sentiment_score":0.011149175465106964},{"text":"Well, that's good good to know.","start":944.385,"end":946.305,"sentiment":"neutral","sentiment_score":-0.029891333542764187}],"sentiment":"neutral","sentiment_score":-0.21458086533390958,"num_words":23,"start":918.085,"end":946.305},{"sentences":[{"text":"Yeah.","start":946.305,"end":946.805,"sentiment":"neutral","sentiment_score":-0.09271739423274994},{"text":"Okay.","start":948.23,"end":948.63,"sentiment":"neutral","sentiment_score":0.003925196826457977},{"text":"Cool.","start":948.63,"end":949.03,"sentiment":"neutral","sentiment_score":0.05931581184267998},{"text":"I can I can wait a month, I guess, from time when I switch it over to?","start":949.03,"end":953.85,"sentiment":"neutral","sentiment_score":0.03252186166012988},{"text":"Before I, you know, might give you a call.","start":954.55,"end":957.05,"sentiment":"neutral","sentiment_score":-0.00008374763031800588}],"sentiment":"neutral","sentiment_score":0.018022121861577034,"num_words":29,"start":946.305,"end":957.05},{"sentences":[{"text":"Go, hey.","start":957.43,"end":957.91,"sentiment":"neutral","sentiment_score":0.007435086648911238},{"text":"What's going on?","start":957.91,"end":958.89,"sentiment":"neutral","sentiment_score":-0.014552291172246138},{"text":"Yep.","start":966.435,"end":966.515,"sentiment":"neutral","sentiment_score":0.0502772256731987},{"text":"Yep.","start":966.515,"end":967.015,"sentiment":"neutral","sentiment_score":0.05352212488651275},{"text":"Yeah.","start":969.235,"end":969.555,"sentiment":"neutral","sentiment_score":0.1535165309906006}],"sentiment":"neutral","sentiment_score":0.028566147666424516,"num_words":8,"start":957.43,"end":969.555},{"sentences":[{"text":"Cool.","start":969.555,"end":970.055,"sentiment":"neutral","sentiment_score":0.30844366550445557},{"text":"Cool.","start":970.195,"end":970.435,"sentiment":"positive","sentiment_score":0.3553304076194763},{"text":"Cool.","start":970.435,"end":970.915,"sentiment":"positive","sentiment_score":0.4072391390800476},{"text":"Sweet.","start":970.915,"end":971.415,"sentiment":"positive","sentiment_score":0.42300865054130554},{"text":"Yeah.","start":972.195,"end":972.695,"sentiment":"positive","sentiment_score":0.39007553458213806}],"sentiment":"positive","sentiment_score":0.3768194794654846,"num_words":5,"start":969.555,"end":972.695},{"sentences":[{"text":"Yep.","start":984.76996,"end":985.26996,"sentiment":"neutral","sentiment_score":0.051008567214012146},{"text":"Yep.","start":988.45,"end":988.52997,"sentiment":"neutral","sentiment_score":0.13841228187084198},{"text":"Yep.","start":988.52997,"end":989.02997,"sentiment":"neutral","sentiment_score":0.21354667842388153},{"text":"Yeah.","start":990.315,"end":990.555,"sentiment":"neutral","sentiment_score":0.30635571479797363},{"text":"Yeah.","start":990.555,"end":990.95496,"sentiment":"neutral","sentiment_score":0.3304539918899536}],"sentiment":"neutral","sentiment_score":0.2079554468393326,"num_words":5,"start":984.76996,"end":990.95496},{"sentences":[{"text":"I'll probably keep you on, you know.","start":990.95496,"end":993.135,"sentiment":"positive","sentiment_score":0.37774065136909485},{"text":"If if there's no difference in in price or whatever, then there's no harm in keeping you on.","start":994.15497,"end":1001.915,"sentiment":"neutral","sentiment_score":0.26029879227280617},{"text":"So Yeah.","start":1001.915,"end":1016.80505,"sentiment":"neutral","sentiment_score":-0.011291446164250374},{"text":"What?","start":1023.265,"end":1023.765,"sentiment":"neutral","sentiment_score":-0.029266497120261192},{"text":"Yep.","start":1036.4601,"end":1036.62,"sentiment":"neutral","sentiment_score":0.029836930334568024}],"sentiment":"neutral","sentiment_score":0.2519844952199993,"num_words":29,"start":990.95496,"end":1036.62},{"sentences":[{"text":"Yeah.","start":1036.62,"end":1036.9401,"sentiment":"neutral","sentiment_score":0.027886785566806793},{"text":"Well, once the money is rolled out, the service agreement's not on void, isn't it?","start":1036.9401,"end":1040.7001,"sentiment":"neutral","sentiment_score":0.010928388095150392},{"text":"It's like...","start":1040.7001,"end":1041.26,"sentiment":"neutral","sentiment_score":-0.00476205931045115},{"text":"Yeah.","start":1041.26,"end":1041.5801,"sentiment":"neutral","sentiment_score":0.024324782192707065},{"text":"Obviously.","start":1041.5801,"end":1042.0801,"sentiment":"neutral","sentiment_score":0.016658565029501915}],"sentiment":"neutral","sentiment_score":0.011163591779768467,"num_words":20,"start":1036.62,"end":1042.0801},{"sentences":[{"text":"Yeah.","start":1043.145,"end":1043.645,"sentiment":"neutral","sentiment_score":0.022736992686986923},{"text":"Yeah.","start":1044.905,"end":1045.405,"sentiment":"neutral","sentiment_score":0.04125671461224556},{"text":"So that's...","start":1045.465,"end":1046.2051,"sentiment":"neutral","sentiment_score":0.030899733304977417},{"text":"Yeah.","start":1047.145,"end":1047.645,"sentiment":"neutral","sentiment_score":0.021588243544101715},{"text":"That's probably it.","start":1047.7051,"end":1048.585,"sentiment":"neutral","sentiment_score":0.01283723550538222}],"sentiment":"neutral","sentiment_score":0.02323664049617946,"num_words":8,"start":1043.145,"end":1048.585},{"sentences":[{"text":"Because either way, that 1.65% will be calculated.","start":1048.585,"end":1052.605,"sentiment":"neutral","sentiment_score":0.012320406851358712},{"text":"If we're talking weeks, then it's probably not that big a deal.","start":1052.985,"end":1056.425,"sentiment":"neutral","sentiment_score":-0.03939817944774404},{"text":"So Yeah.","start":1056.425,"end":1066.56,"sentiment":"neutral","sentiment_score":0.08145326003432274},{"text":"That'd be that'd be great.","start":1066.56,"end":1068.0801,"sentiment":"neutral","sentiment_score":0.17120560109615326},{"text":"Yeah.","start":1068.0801,"end":1068.5801,"sentiment":"neutral","sentiment_score":0.03808565437793732}],"sentiment":"neutral","sentiment_score":0.024385902905903225,"num_words":28,"start":1048.585,"end":1068.5801},{"sentences":[{"text":"Yep.","start":1068.64,"end":1069.14,"sentiment":"neutral","sentiment_score":0.02944174036383629},{"text":"Yep.","start":1069.4401,"end":1069.9401,"sentiment":"neutral","sentiment_score":0.005644467659294605},{"text":"Yep.","start":1079.155,"end":1079.655,"sentiment":"neutral","sentiment_score":0.020298784598708153},{"text":"Yep.","start":1084.115,"end":1084.615,"sentiment":"neutral","sentiment_score":-0.058123182505369186},{"text":"Yep.","start":1085.075,"end":1085.575,"sentiment":"neutral","sentiment_score":-0.05707758665084839}],"sentiment":"neutral","sentiment_score":-0.011963155306875705,"num_words":5,"start":1068.64,"end":1085.575},{"sentences":[{"text":"Yeah.","start":1086.41,"end":1086.73,"sentiment":"neutral","sentiment_score":0.1738632768392563},{"text":"Easy done.","start":1086.73,"end":1087.71,"sentiment":"positive","sentiment_score":0.37087954580783844},{"text":"Cool.","start":1087.85,"end":1088.1699,"sentiment":"positive","sentiment_score":0.4053416848182678},{"text":"Cool.","start":1088.1699,"end":1088.6699,"sentiment":"positive","sentiment_score":0.34601062536239624},{"text":"Yep.","start":1091.45,"end":1091.95,"sentiment":"neutral","sentiment_score":0.14598730206489563}],"sentiment":"neutral","sentiment_score":0.3021603301167488,"num_words":6,"start":1086.41,"end":1091.95},{"sentences":[{"text":"Yep.","start":1096.8099,"end":1097.3099,"sentiment":"neutral","sentiment_score":0.19663453102111816},{"text":"Easy done.","start":1098.97,"end":1099.69,"sentiment":"positive","sentiment_score":0.3392905220389366},{"text":"Alright.","start":1099.69,"end":1100.01,"sentiment":"positive","sentiment_score":0.4264962375164032},{"text":"Thank you.","start":1100.01,"end":1100.655,"sentiment":"positive","sentiment_score":0.7520258724689484},{"text":"No.","start":1104.095,"end":1104.415,"sentiment":"neutral","sentiment_score":-0.1497090607881546}],"sentiment":"positive","sentiment_score":0.37943635668073383,"num_words":7,"start":1096.8099,"end":1104.415},{"sentences":[{"text":"That's about it.","start":1104.415,"end":1105.135,"sentiment":"neutral","sentiment_score":-0.05418204516172409},{"text":"Thanks thanks for calling, and thanks for giving me your time.","start":1105.135,"end":1107.775,"sentiment":"positive","sentiment_score":0.6813096891749989},{"text":"That's that's great.","start":1107.775,"end":1108.655,"sentiment":"positive","sentiment_score":0.805847962697347},{"text":"Thank you.","start":1108.655,"end":1109.2151,"sentiment":"positive","sentiment_score":0.6807652115821838},{"text":"Thanks, mate.","start":1109.2151,"end":1110.035,"sentiment":"positive","sentiment_score":0.36884544789791107}],"sentiment":"positive","sentiment_score":0.5642202691662879,"num_words":21,"start":1104.415,"end":1110.035},{"sentences":[{"text":"Speak to you then.","start":1113.481,"end":1114.2809,"sentiment":"neutral","sentiment_score":0.29222098737955093},{"text":"Cheers, buddy.","start":1114.2809,"end":1115.021,"sentiment":"positive","sentiment_score":0.6193147301673889}],"sentiment":"positive","sentiment_score":0.40125223497549695,"num_words":6,"start":1113.481,"end":1115.021}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Daryl. It's Tommy here, senior adviser from. How are you doing? I'm doing alright. The sun finally came out this afternoon down on the Gold Coast there.\n\nWhat about your\n\nChannel 1: Yeah. Not too bad. Yeah. Pretty\n\nChannel 0: end?\n\nChannel 1: good.\n\nChannel 0: Good to hear. Good to hear. I just had a a quick catch up booked in with you just to go over a couple of details. Team\n\nChannel 1: Yep.\n\nChannel 0: mentioned that you're moving to UniSuper, so I just wanted to run\n\nChannel 1: Yeah.\n\nChannel 0: by a\n\nChannel 1: Yeah.\n\nChannel 0: few things\n\nChannel 1: I'd\n\nChannel 0: with\n\nChannel 1: like\n\nChannel 0: you.\n\nChannel 1: to. I haven't put the paperwork in yet, but, yeah, that's... I'm thinking of of of moving over to them.\n\nChannel 0: Yeah. Cool. No worries.\n\nChannel 1: Yeah.\n\nChannel 0: Do you mind if I go through a bit of a final sort of security check with you and just go through a few few thoughts?\n\nChannel 1: Yeah. Yeah. Yeah. That's fine.\n\nChannel 0: Cool. So just to let you know, I'm registered with ASIC as adviser 1273105. Could\n\nChannel 1: Yep.\n\nChannel 0: I please confirm your date of birth and address we'd have on file?\n\nChannel 1: Yeah. Thirty first of the seventh... 07/31/1984. That'd\n\nChannel 0: Yep.\n\nChannel 1: be 11 Burnhite Crescent, City Downs, Queensland 4556.\n\nChannel 0: You're a legend. And are you okay for the call to be recorded?\n\nChannel 1: Yeah. That's fine, man.\n\nChannel 0: Yeah. Perfect. Perfect. So one thing needed to run by you as well is just the... I think the team would have mentioned your insurance cover.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. So when you go to put in the paperwork for Uni Super, have you already kind of looked at the the application documents?\n\nChannel 1: No. I haven't yet. No.\n\nChannel 0: Cool. So when you open up one of those accounts, they give you an offer to add in, like, default, like, life insurance and disability insurance, if that rings a bell. So what they bell.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So what they tend to do there is there's a... It's like unit based. Depending on your age, they say, oh, here's 10 units. And because you're, you know, 42, they probably give you about $2,250,000 worth of life insurance and disability insurance to, like, automatically attach to your account if you opt for that option.\n\nChannel 1: Yep.\n\nChannel 0: The thing that you've got too... So you've got a Neos policy that gets paid from hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: If you wanna keep that because it is underwritten, so it's\n\nChannel 1: Yeah.\n\nChannel 0: all the medicals have all been done already,\n\nChannel 1: Yep.\n\nChannel 0: That comes out in May of each year.\n\nChannel 1: Yeah. Okay. And can it still come out of my super fund?\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: can I\n\nChannel 0: So\n\nChannel 1: bring that to UniSuper? Can that still come out of my my super instead of my pop... Back pocket?\n\nChannel 0: correct. So the way\n\nChannel 1: Cool.\n\nChannel 0: to do it, because it's an enduring rollover, like a a\n\nChannel 1: Yeah.\n\nChannel 0: yearly payment out of a super fund, they\n\nChannel 1: Yep.\n\nChannel 0: do have enduring rollover forms that say, I want it to come out of this super fund instead of that super fund.\n\nChannel 1: Yep. Cool.\n\nChannel 0: You just\n\nChannel 1: Alright.\n\nChannel 0: need to make sure that that account's open and so you can fill in the account details for where it comes out\n\nChannel 1: Okay. Cool. Yep.\n\nChannel 0: of. So\n\nChannel 1: Alright.\n\nChannel 0: what I\n\nChannel 1: Cool.\n\nChannel 0: might do is I'll get the team to send you through an email with\n\nChannel 1: Yep.\n\nChannel 0: the the form for Neos. And that way, if you want, when you set up UniSuper, they could\n\nChannel 1: Yep.\n\nChannel 0: add on cheap life insurance on top. You can get the Neos coming out of there, and then you might have $35,400 all up between the two of them.\n\nChannel 1: Yeah. Okay. So you can\n\nChannel 0: I don't know\n\nChannel 1: you\n\nChannel 0: if\n\nChannel 1: can\n\nChannel 0: you'd\n\nChannel 1: have\n\nChannel 0: rather\n\nChannel 1: both,\n\nChannel 0: double\n\nChannel 1: can\n\nChannel 0: up.\n\nChannel 1: you?\n\nChannel 0: Yeah. You can essentially have, like, default cover plus a retail policy coming out of it. Obviously,\n\nChannel 1: How\n\nChannel 0: depends\n\nChannel 1: much\n\nChannel 0: on premium\n\nChannel 1: how much am\n\nChannel 0: fees.\n\nChannel 1: I covered for with mine? I think it's, like, a 150 or 200.\n\nChannel 0: Yeah. It is a 187,000.\n\nChannel 1: Yeah. K.\n\nChannel 0: I think it's a few $100 a year. They get a 15% rebate, which drops it down to about $281.22.\n\nChannel 1: Yeah. Okay. Yeah. And that's underwritten.\n\nChannel 0: Yeah. So you\n\nChannel 1: So\n\nChannel 0: went\n\nChannel 1: have you\n\nChannel 0: through\n\nChannel 1: got the\n\nChannel 0: all\n\nChannel 1: details\n\nChannel 0: the\n\nChannel 1: of\n\nChannel 0: application.\n\nChannel 1: the underwriting?\n\nChannel 0: Yeah. Everything that you put in the application when it was first set up back in 2022, it would have locked in any kind of health and occupation information from that date backwards.\n\nChannel 1: And that's stepped as well. So I'd get less as I go along to say... By the time I get to 45, do you know how much that amount... Payout amount would be?\n\nChannel 0: So it's bit of... Bit backwards. With the the unit cover that you get for opening a super fund, that's unitized and goes down with with the... Oh, sorry. Can you still hear me okay?\n\nChannel 1: Hello? Yeah. Yeah. You just dropped out. Todd.\n\nChannel 0: Sorry. With the the default cover through UniSuper, it goes down with your age from the forties to the fifties.\n\nChannel 1: Yep.\n\nChannel 0: With the the nails cover, because it's stepped, it actually slowly increases the cover and premiums each year. So it might be a 195 and then 202,000. It'll just slowly increase it with with inflation.\n\nChannel 1: Okay. Alright.\n\nChannel 0: So you've\n\nChannel 1: Okay.\n\nChannel 0: got one that'll go down, one that'll go up.\n\nChannel 1: Yeah. I gotcha. Alright.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Yeah. Yeah. So there's life and then there's permanent disability or whatever it is, isn't it? TPD?\n\nChannel 0: Cool. Correct.\n\nChannel 1: Yeah. Cool. And so how much is life and how much is TPD? Just so... I\n\nChannel 0: They're\n\nChannel 1: thought\n\nChannel 0: both\n\nChannel 1: I'd put\n\nChannel 0: exactly\n\nChannel 1: on it.\n\nChannel 0: the same amounts. They're kind of\n\nChannel 1: Okay.\n\nChannel 0: linked together.\n\nChannel 1: Okay. It's about $1.90 it was, wasn't it?\n\nChannel 0: Yeah. Correct. And because it's attached, so the attachment makes it cheaper. But then if you claim on TBD, the life insurance goes down, and you've got a buyback option which fills it back up again.\n\nChannel 1: Oh, okay. Yep. Yep. Alright.\n\nChannel 0: It's listed as white collar occupation rating at the time, so pretty cheap.\n\nChannel 1: Mhmm.\n\nChannel 0: The other question I've got for you too is, so we do, like, claims assistance. So, god forbid, if something happens to you, you go through TPD. We help people through the claims packs and whatnot. We can either lead ourselves on there for claims assistance or we can remove ourselves off the policy if you'd\n\nChannel 1: Would\n\nChannel 0: prefer\n\nChannel 1: I have\n\nChannel 0: it\n\nChannel 1: to?\n\nChannel 0: that way.\n\nChannel 1: Yeah. I mean, if I have to pay... If that's something I'd have to pay for, I'd probably take it off the claims assistance.\n\nChannel 0: Yeah. Claims assistance, not so much. It's claims advice. Like, we've got some clients that, you know, terminal, they get a million dollars, and they get advice on how to make the money last. That's separate.\n\nThat's a fee for that. But the assistance,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: not so much. Reviewing the policy, not so much. But we\n\nChannel 1: Yeah.\n\nChannel 0: do get, like, commissions for the policy. Like,\n\nChannel 1: Yeah.\n\nChannel 0: 22% of the premiums comes through to us. So when I send\n\nChannel 1: Yeah.\n\nChannel 0: through the documents to switch it to the other funds,\n\nChannel 1: Yeah.\n\nChannel 0: I can get us removed off of there as well.\n\nChannel 1: Well, say... Yeah. Well, like, if that's sorry. What... Removed as the assistance or removed as the trailing commission.\n\nSorry. I missed missed that.\n\nChannel 0: It's both. So whoever's listed as, like, servicing advisers, we have, like, a adviser authority on the policy to\n\nChannel 1: Okay.\n\nChannel 0: assist with claims and receive commissions and so on.\n\nChannel 1: Oh, okay. But with those commissions... So I'm just trying to trying to follow how it's set up. So if\n\nChannel 0: Yeah.\n\nChannel 1: you're taken off, do I pay less or for\n\nChannel 0: Oh, yeah.\n\nChannel 1: for\n\nChannel 0: Yeah.\n\nChannel 1: the policy?\n\nChannel 0: Great question. No. So they don't change the price to remove advisers from it. It's all kind of just a portion of it goes to the advice firm. They don't kind of increase or decrease the price based on that.\n\nChannel 1: Okay. And then in real world terms, like, assistance can can mean, like, assistance is, like, a word that could be misused. Like, assistance\n\nChannel 0: Yeah.\n\nChannel 1: could be construed as I would be helped every step of the way, or assistance could be just I get a phone call and then\n\nChannel 0: Gotcha.\n\nChannel 1: box teeth I've been assisted. So... Yeah. So, like, what exactly does the assistance entail? Like,\n\nChannel 0: Yeah. No. Great question. So we have what's called a a case management division that handles insurance claims. And, basically, what happens is, let's say you're in a car accident, can never work again, and you gave us a call and said, hey.\n\nLook. I wanna claim on that TPD insurance.\n\nChannel 1: God\n\nChannel 0: We would contact\n\nChannel 1: God forbid.\n\nChannel 0: the insurer, get the... That's\n\nChannel 1: Yes.\n\nChannel 0: it. Touch touch a few planks of wood. We would go through the pack, make sure you... You know, it's all filled out with the doctors and everything, send it off to the providers, follow it up, help that way. Same\n\nChannel 1: Yep.\n\nChannel 0: thing if it ends up with a life insurance scenario where,\n\nChannel 1: Yep.\n\nChannel 0: obviously, we're probably not the first people to call if you were to pass away, but we would go, okay. Who's the listed beneficiary? And help forward on the documents, liaise with the insurers, help her get paid out, that\n\nChannel 1: Yep. Yeah. K. Gotcha.\n\nChannel 0: kind\n\nChannel 1: Yep.\n\nChannel 0: of\n\nChannel 1: Alright. Sounds good.\n\nChannel 0: thing. Cool. So I'll kind of leave that in your call. What we can do is we'll at least\n\nChannel 1: Yeah.\n\nChannel 0: email the form so you've got them there. And then\n\nChannel 1: Yeah.\n\nChannel 0: if you wanna reply back to the email, if you want us to still be listed or not, we can just go off your instructions from there.\n\nChannel 1: Yeah. Easy. Alright. Cool.\n\nChannel 0: Cool. And just with regards to the super, is there anything I can help you with on that end of things? I know you obviously gotta go through forms and and whatnot, but anything I can help you with the hub portfolio in the interim\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: They\n\nChannel 0: anything\n\nChannel 1: might\n\nChannel 0: there?\n\nChannel 1: they might... Yeah. They they could be. Like, if I... Well, when I go to do the rollover and the rollout and all that sort of stuff, if anything pops up, can I still contact you to ask you, hey?\n\nLook. This this, like, this needs to happen or that needs to happen or they said this. Just try and make it a smoother process. Like, I assume it would be fairly fairly easy, fairly smooth process, but, yeah, just until it's all moved over.\n\nChannel 0: Yeah. So what we basically do is for for however long we're listed on the account, if a request comes through to to do a full rollover, we basically jump on and sell off the investments down to cash so that they can be\n\nChannel 1: Yep.\n\nChannel 0: moved across to the other fund.\n\nChannel 1: Yep.\n\nChannel 0: If we, like, remove ourselves off there today, then it gets wiped from our dashboard, and we can't see your account anymore,\n\nChannel 1: Yeah.\n\nChannel 0: so we wouldn't\n\nChannel 1: Yeah.\n\nChannel 0: be able to touch any of\n\nChannel 1: Yeah. So I was hoping that doesn't happen. Just if I've got some issues, I can call you back up and say, oh, hey. They're saying this this fund hasn't been sold into cash.\n\nChannel 0: it.\n\nChannel 1: Do\n\nChannel 0: Yeah.\n\nChannel 1: you know what the delay is, etcetera, etcetera. Because then there's, like, a Benelung or something there that might be... I'm just guessing or I'm, like, just thinking my thoughts out loud.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: It might be harder to sell into cash than the the others. So that was slow moving because there's some sort of situation where somebody says, no. We don't we don't want you to sell that. We don't\n\nChannel 0: Right.\n\nChannel 1: like the idea of that investment being sold, then, you know, I can contact you and say, hey. Look. You know, I think think this needs to happen. You know what I mean? Like...\n\nChannel 0: Did you know that it was gonna be harder to sell, or was that just thinking out loud?\n\nChannel 1: That's that's me just reading between the the lines with these sorts of things. Like, I think with with my wife, she got caught up in all that business with those... I don't know. It wasn't even really the advisers. It's the dodgy fund managers who are just softening money out of a fund into their own private property\n\nChannel 0: You're not talking about, like,\n\nChannel 1: and\n\nChannel 0: the\n\nChannel 1: bullshit.\n\nChannel 0: shield master trust stuff and\n\nChannel 1: Yeah.\n\nChannel 0: things\n\nChannel 1: I am.\n\nChannel 0: like that,\n\nChannel 1: Yeah.\n\nChannel 0: was it?\n\nChannel 1: Yeah.\n\nChannel 0: No way.\n\nChannel 1: And and so that money's back, but then there's... I thought it was a lot worse than what it was because I thought... Because there's so many freaking names flying around with the with the different investments. But there's something\n\nChannel 0: Yeah.\n\nChannel 1: called... In that fund, there's something called a Climb Act smart fund that they're trying to sell out of that they can't sell. And I was\n\nChannel 0: Right.\n\nChannel 1: like, for crying out loud, that's another percentage there that... And they said, no. You need to stay in this because then it'll be easier for you to get your money. And I'm like, yeah. Let's not add more complication to process.\n\nBut now\n\nChannel 0: Yeah.\n\nChannel 1: they've got something else that we want. Like, we're trying to move her money out, and there's something else that is impinges, not smooth. And I'm like, mate, if he's been along, don't play ball, I'm not gonna be too happy because it's... I I think it's those kind of investments. So you're gonna be that that...\n\nWhere people, like, on on the other end, like... So you're like a middleman, and then there's, like, that fund. They're the ones that seem to cause trouble is, like,\n\nChannel 0: Yeah.\n\nChannel 1: it's where... Because because I think, in my own opinion, that's where your commissions are, like higher commissions. It's like you break down all the investments, and then if we throw it into an ETF with Vanguard or bloody somebody else, you don't get much out of that. But if you're... If you can put money into a specific fund, that's where you get paid because you get a high commission on that\n\nChannel 0: Yeah.\n\nChannel 1: to grease\n\nChannel 0: Right.\n\nChannel 1: the wheels. And, oh, mate, no one's looking at old mate really because he's he's gotten verified from god knows who. So, yeah, so that's that's where I see this whole business comes on stock is that pretty much you gotta be really careful because there's people out there that have hacked the system,\n\nChannel 0: Right.\n\nChannel 1: and they've figured it out and made money for themselves. And, you know, people caught in the middle and on the half end of it are the ones that miss out. So...\n\nChannel 0: Oh, jeez.\n\nChannel 1: Yeah.\n\nChannel 0: I'm sorry your your partner's going through that at the moment. One one thing that I absolutely can let you know upfront is\n\nChannel 1: Yep.\n\nChannel 0: that Benelon option you mentioned, that's a that's a managed fund, not an\n\nChannel 1: Yep.\n\nChannel 0: ETF. So\n\nChannel 1: Yep.\n\nChannel 0: generally speaking, whenever you do a sell on hub as a as a platform, the ETFs are sold down within a couple of days. The managed funds, no matter who it is, it's usually after two weeks\n\nChannel 1: Yep.\n\nChannel 0: if\n\nChannel 1: Oh,\n\nChannel 0: it's\n\nChannel 1: two\n\nChannel 0: international.\n\nChannel 1: weeks is fine. I'm I'm like... It's\n\nChannel 0: Yeah.\n\nChannel 1: like six months, a year, two years, and I'm I'm not too happy.\n\nChannel 0: Or if they,\n\nChannel 1: Yeah.\n\nChannel 0: like, went under as a fund and the money got locked up kind of thing, that would probably be that scenario.\n\nChannel 1: Yep.\n\nChannel 0: At this point, I know they've got... They got bought out a little while ago. Their investments are kind of bouncing back a little bit, so they're not as much of an at risk of that. But,\n\nChannel 1: Yep.\n\nChannel 0: yeah, couple of days for ETFs, couple of weeks for managed funds, that's pretty standard.\n\nChannel 1: Well, that's\n\nChannel 0: Anything\n\nChannel 1: good\n\nChannel 0: longer\n\nChannel 1: good\n\nChannel 0: than\n\nChannel 1: to\n\nChannel 0: that,\n\nChannel 1: know.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: then there's a concern.\n\nChannel 1: Okay. Cool. I can I can wait a month, I guess, from time when I switch it over to? Before I, you know, might give you a call. Go,\n\nChannel 0: Yeah.\n\nChannel 1: hey. What's\n\nChannel 0: And\n\nChannel 1: going\n\nChannel 0: it might\n\nChannel 1: on?\n\nChannel 0: be... What? Like, it might be a couple of weeks and then the cash is there, and then it takes them a couple of days to transfer it. So I\n\nChannel 1: Yep. Yep.\n\nChannel 0: wouldn't be waiting any longer than, say, three weeks.\n\nChannel 1: Yeah. Cool. Cool. Cool.\n\nChannel 0: Cool.\n\nChannel 1: Sweet. Yeah.\n\nChannel 0: Awesome. So from there, basically, we'll send you the forms for the for the Neos. If you're comfortable, I guess, we just sort of leave ourselves with access for the time being until it gets moved... The request\n\nChannel 1: Yep.\n\nChannel 0: come through to move it across, if that's your preference.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yeah. Yeah. I'll probably keep you on, you know. If if there's no difference in in price or whatever,\n\nChannel 0: Yeah.\n\nChannel 1: then there's no harm in keeping you on. So\n\nChannel 0: The other thing to remember though too is you've got our fees come out of the the hub 24 monthly. So it's a question of do you want us there to help sort of sell it down, or do you want us to to click that off? So just bear\n\nChannel 1: Yeah.\n\nChannel 0: in mind, there is the adviser fees out of the super. So that's the thing that would keep ticking.\n\nChannel 1: What?\n\nChannel 0: So insurance policies is just a trailing, but there's a service agreement on there, which we can kind of remove the service agreement, probably the way to do it.\n\nChannel 1: Yep. Yeah. Well, once the money is rolled out, the service agreement's not on void, isn't it? It's like... Yeah.\n\nChannel 0: Correct.\n\nChannel 1: Obviously.\n\nChannel 0: As soon as the account closes,\n\nChannel 1: Yeah.\n\nChannel 0: same thing. Exactly right.\n\nChannel 1: Yeah. So that's... Yeah. That's probably it. Because either way, that 1.65% will be calculated.\n\nIf we're talking weeks, then it's probably not that big a deal. So\n\nChannel 0: Yep. So just in case, do you want me to get the team to give you a buzz in a couple of weeks just to follow-up and see how you're going? I don't want it to sit there and tick for six more months or something.\n\nChannel 1: Yeah. That'd be that'd be great. Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Because that way... Look. If we're if we're charging you fees without providing any service or advice, we get caught into fee for no service arrangements. And so happy to kind\n\nChannel 1: Yep.\n\nChannel 0: of help with transactions and stuff like that, but I don't want it to kind of drag on forever.\n\nChannel 1: Yep.\n\nChannel 0: That's not\n\nChannel 1: Yep.\n\nChannel 0: good for you as well.\n\nChannel 1: Yeah. Easy done. Cool.\n\nChannel 0: Cool.\n\nChannel 1: Cool.\n\nChannel 0: So I'll just pencil in for them to call in a couple of weeks.\n\nChannel 1: Yep.\n\nChannel 0: And, again, email through those forms. That way, whether it's email, text, or call, we've got\n\nChannel 1: Yep.\n\nChannel 0: an open line of communication.\n\nChannel 1: Easy done. Alright. Thank you.\n\nChannel 0: Awesome, man. Is there anything else I can help you with before I let you go?\n\nChannel 1: No. That's about it. Thanks thanks for calling, and thanks for giving me your time. That's that's great. Thank you.\n\nThanks,\n\nChannel 0: No.\n\nChannel 1: mate.\n\nChannel 0: I appreciate yours, Daryl, and we'll talk to you in a couple of weeks.\n\nChannel 1: Speak to you then. Cheers, buddy.\n\nChannel 0: Thanks, mate. Have a good night. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.033624906092882156}],"sentiment":"neutral","sentiment_score":0.033624906092882156,"channel":1,"num_words":1,"start":1.52,"end":2.02},{"sentences":[{"text":"Good afternoon, Daryl.","start":2.8799999,"end":4.0,"sentiment":"neutral","sentiment_score":0.2738158106803894},{"text":"It's Tommy here, senior adviser from.","start":4.0,"end":5.94,"sentiment":"neutral","sentiment_score":0.2446246792872747},{"text":"How are you doing?","start":6.0,"end":6.98,"sentiment":"neutral","sentiment_score":0.23067091405391693},{"text":"I'm doing alright.","start":9.28,"end":10.34,"sentiment":"neutral","sentiment_score":0.3080648382504781},{"text":"The sun finally came out this afternoon down on the Gold Coast there.","start":10.4,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.23652774668656862}],"sentiment":"neutral","sentiment_score":0.2486529098502521,"channel":0,"num_words":29,"start":2.8799999,"end":13.5199995},{"sentences":[{"text":"What about your","start":13.5199995,"end":14.295,"sentiment":"neutral","sentiment_score":0.07326654096444447}],"sentiment":"neutral","sentiment_score":0.07326654096444447,"channel":0,"num_words":3,"start":13.5199995,"end":14.295},{"sentences":[{"text":"Yeah.","start":15.1449995,"end":15.305,"sentiment":"neutral","sentiment_score":0.09991087019443512},{"text":"Not too bad.","start":15.305,"end":16.105,"sentiment":"neutral","sentiment_score":0.19764135777950287},{"text":"Yeah.","start":16.105,"end":16.605,"sentiment":"neutral","sentiment_score":0.17317552864551544},{"text":"Pretty","start":16.744999,"end":17.065,"sentiment":"neutral","sentiment_score":0.2141944319009781}],"sentiment":"neutral","sentiment_score":0.18003415067990622,"channel":1,"num_words":6,"start":15.1449995,"end":17.065},{"sentences":[{"text":"end?","start":16.855,"end":17.175,"sentiment":"neutral","sentiment_score":0.31724947690963745}],"sentiment":"neutral","sentiment_score":0.31724947690963745,"channel":0,"num_words":1,"start":16.855,"end":17.175},{"sentences":[{"text":"good.","start":17.065,"end":17.565,"sentiment":"positive","sentiment_score":0.5294585227966309}],"sentiment":"positive","sentiment_score":0.5294585227966309,"channel":1,"num_words":1,"start":17.065,"end":17.565},{"sentences":[{"text":"Good to hear.","start":17.175,"end":17.655,"sentiment":"positive","sentiment_score":0.6123100519180298},{"text":"Good to hear.","start":17.655,"end":18.535,"sentiment":"positive","sentiment_score":0.5129829049110413},{"text":"I just had a a quick catch up booked in with you just to go over a couple of details.","start":18.535,"end":23.275,"sentiment":"neutral","sentiment_score":0.19347351044416428},{"text":"Team","start":23.895,"end":24.135,"sentiment":"neutral","sentiment_score":0.06636225432157516}],"sentiment":"neutral","sentiment_score":0.2708041234700768,"channel":0,"num_words":27,"start":17.175,"end":24.135},{"sentences":[{"text":"Yep.","start":24.025,"end":24.525,"sentiment":"neutral","sentiment_score":0.07179951667785645}],"sentiment":"neutral","sentiment_score":0.07179951667785645,"channel":1,"num_words":1,"start":24.025,"end":24.525},{"sentences":[{"text":"mentioned that you're moving to UniSuper, so I just wanted to 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The adviser also explains that claims assistance is handled by a case management division and can be handled by the customer. The process of transferring investments from a hub to a regular fund is discussed, and the agent advises the customer to wait until funds are transferred before making any changes to their account. The agent also offers to follow up with the customer in a couple of weeks to see how they are doing."},"intents":{"segments":[{"text":"I just had a a quick catch up booked in with you just to go over a couple of details. Team Yep.","start_word":47,"end_word":68,"intents":[{"intent":"Schedule catch up","confidence_score":0.056837615}]},{"text":"Do you mind if I go through a bit of a final sort of security check with you and just go through a few few thoughts? Yeah. Yeah. Yeah.","start_word":116,"end_word":144,"intents":[{"intent":"Provide security check","confidence_score":0.02750556},{"intent":"Confirm security check","confidence_score":0.0056681447}]},{"text":"So just to let you know, I'm registered with ASIC as adviser 1273105. Could Yep. I please confirm your date of birth and address we'd have on file? Yeah.","start_word":148,"end_word":176,"intents":[{"intent":"Confirm registration details","confidence_score":0.0015442044}]},{"text":"I please confirm your date of birth and address we'd have on file?","start_word":163,"end_word":175,"intents":[{"intent":"Confirm identity","confidence_score":0.17452511}]},{"text":"I please confirm your date of birth and address we'd have on file? Yeah.","start_word":163,"end_word":176,"intents":[{"intent":"Verify identity","confidence_score":0.020064909},{"intent":"Provide name","confidence_score":0.0037372324}]},{"text":"And are you okay for the call to be recorded? Yeah.","start_word":196,"end_word":206,"intents":[{"intent":"Confirm telemarketing number","confidence_score":0.000001318458}]},{"text":"So one thing needed to run by you as well is just the... I think the team would have mentioned your insurance cover. Yep.","start_word":213,"end_word":236,"intents":[{"intent":"Add insurance coverage","confidence_score":0.005510354}]},{"text":"With the the nails cover, because it's stepped, it actually slowly increases the cover and premiums each year. So it might be a 195 and then 202,000. It'll just slowly increase it with with inflation. Okay.","start_word":832,"end_word":867,"intents":[{"intent":"Verify premiums","confidence_score":0.0000016339859}]},{"text":"The other question I've got for you too is, so we do, like, claims assistance. So, god forbid, if something happens to you, you go through TPD. We help people through the claims packs and whatnot. We can either lead ourselves on there for claims assistance or we can remove ourselves off the policy if you'd Would prefer I have it to? that way. Yeah.","start_word":1005,"end_word":1069,"intents":[{"intent":"Assist with claims","confidence_score":0.08913859}]},{"text":"We can either lead ourselves on there for claims assistance or we can remove ourselves off the policy if you'd Would prefer I have it to?","start_word":1041,"end_word":1066,"intents":[{"intent":"Remove from policy","confidence_score":0.7351775}]},{"text":"Reviewing the policy, not so much. But we Yeah.","start_word":1142,"end_word":1150,"intents":[{"intent":"Review policy","confidence_score":0.9196729}]},{"text":"22% of the premiums comes through to us. So when I send Yeah.","start_word":1160,"end_word":1172,"intents":[{"intent":"Adjust premiums","confidence_score":0.00014747753}]},{"text":"Great question. No. So they don't change the price to remove advisers from it. It's all kind of just a portion of it goes to the advice firm. They don't kind of increase or decrease the price based on that. Okay.","start_word":1283,"end_word":1323,"intents":[{"intent":"Educate on policy","confidence_score":0.0040798862}]},{"text":"And just with regards to the super, is there anything I can help you with on that end of things?","start_word":1620,"end_word":1639,"intents":[{"intent":"Ask for assistance","confidence_score":0.018774154},{"intent":"Inquire about status","confidence_score":0.0016378303}]},{"text":"And just with regards to the super, is there anything I can help you with on that end of things? I know you obviously gotta go through forms and and whatnot, but anything I can help you with the hub portfolio in the interim Yeah.","start_word":1620,"end_word":1664,"intents":[{"intent":"Request assistance","confidence_score":0.07896124}]},{"text":"So I was hoping that doesn't happen. Just if I've got some issues, I can call you back up and say, oh, hey. They're saying this this fund hasn't been sold into cash. it. Do Yeah.","start_word":1841,"end_word":1876,"intents":[{"intent":"Clarify issue","confidence_score":0.0023745329}]},{"text":"They're saying this this fund hasn't been sold into cash. it. Do Yeah.","start_word":1864,"end_word":1876,"intents":[{"intent":"Report status of funds","confidence_score":0.000009323175}]},{"text":"You need to stay in this because then it'll be easier for you to get your money. And I'm like, yeah. Let's not add more complication to process. But now Yeah. they've got something else that we want. Like, we're trying to move her money out, and there's something else that is impinges, not smooth.","start_word":2168,"end_word":2222,"intents":[{"intent":"Evaluate investment opportunities","confidence_score":0.00057402963}]},{"text":"Like, it might be a couple of weeks and then the cash is there, and then it takes them a couple of days to transfer it. So I Yep.","start_word":2693,"end_word":2721,"intents":[{"intent":"Transfer funds","confidence_score":0.11773588}]},{"text":"So from there, basically, we'll send you the forms for the for the Neos. If you're comfortable, I guess, we just sort of leave ourselves with access for the time being until it gets moved... The request Yep. come through to move it across, if that's your preference.","start_word":2740,"end_word":2787,"intents":[{"intent":"Process request","confidence_score":0.0004512515}]},{"text":"So insurance policies is just a trailing, but there's a service agreement on there, which we can kind of remove the service agreement, probably the way to do it. Yep. Yeah.","start_word":2891,"end_word":2921,"intents":[{"intent":"Remove service agreement","confidence_score":0.14815782}]},{"text":"So just in case, do you want me to get the team to give you a buzz in a couple of weeks just to follow-up and see how you're going? I don't want it to sit there and tick for six more months or something. Yeah.","start_word":2982,"end_word":3027,"intents":[{"intent":"Schedule follow-up call","confidence_score":0.031608846}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Daryl. It's Tommy here, senior adviser from. How are you doing? I'm doing alright. The sun finally came out this afternoon down on the Gold Coast there. What about your Yeah. Not too bad. Yeah. Pretty end?","start_word":0,"end_word":39,"sentiment":"neutral","sentiment_score":0.22703000903129575},{"text":"good. Good to hear. Good to hear.","start_word":40,"end_word":46,"sentiment":"positive","sentiment_score":0.549307107925415},{"text":"I just had a a quick catch up booked in with you just to go over a couple of details. Team Yep. mentioned that you're moving to UniSuper, so I just wanted to run Yeah. by a Yeah. few things I'd with like you. to. I haven't put the paperwork in yet, but, yeah, that's... I'm thinking of of of moving over to them. Yeah. Cool. No worries. Yeah. Do you mind if I go through a bit of a final sort of security check with you and just go through a few few thoughts? Yeah. Yeah. Yeah. That's fine. Cool. So just to let you know, I'm registered with ASIC as adviser 1273105. Could Yep. I please confirm your date of birth and address we'd have on file? Yeah. Thirty first of the seventh... 07/31/1984. That'd Yep. be 11 Burnhite Crescent, City Downs, Queensland 4556. You're a legend. And are you okay for the call to be recorded? Yeah. That's fine, man. Yeah.","start_word":47,"end_word":210,"sentiment":"neutral","sentiment_score":0.07835441827774048},{"text":"Perfect.","start_word":211,"end_word":211,"sentiment":"positive","sentiment_score":0.39343276619911194},{"text":"Perfect. So one thing needed to run by you as well is just the... I think the team would have mentioned your insurance cover. Yep. Yep. Cool. So when you go to put in the paperwork for Uni Super, have you already kind of looked at the the application documents? No. I haven't yet. No. Cool. So when you open up one of those accounts, they give you an offer to add in, like, default, like, life insurance and disability insurance, if that rings a bell. So what they bell. Yep. Yep. So what they tend to do there is there's a... It's like unit based. Depending on your age, they say, oh, here's 10 units. And because you're, you know, 42, they probably give you about $2,250,000 worth of life insurance and disability insurance to, like, automatically attach to your account if you opt for that option. Yep. The thing that you've got too... So you've got a Neos policy that gets paid from hub twenty four. Yep. If you wanna keep that because it is underwritten, so it's Yeah. all the medicals have all been done already, Yep. That comes out in May of each year. Yeah. Okay. And can it still come out of my super fund? Yeah. So Yeah. can I So bring that to UniSuper? Can that still come out of my my super instead of my pop... Back pocket? correct. So the way Cool. to do it, because it's an enduring rollover, like a a Yeah. yearly payment out of a super fund, they Yep. do have enduring rollover forms that say, I want it to come out of this super fund instead of that super fund. Yep. Cool. You just Alright. need to make sure that that account's open and so you can fill in the account details for where it comes out Okay. Cool. Yep. of. So Alright. what I Cool. might do is I'll get the team to send you through an email with Yep. the the form for Neos. And that way, if you want, when you set up UniSuper, they could Yep. add on cheap life insurance on top. You can get the Neos coming out of there, and then you might have $35,400 all up between the two of them. Yeah. Okay. So you can I don't know you if can you'd have rather both, double can up. you? Yeah. You can essentially have, like, default cover plus a retail policy coming out of it. Obviously, How depends much on premium how much am fees. I covered for with mine? I think it's, like, a 150 or 200. Yeah. It is a 187,000. Yeah. K. I think it's a few $100 a year. They get a 15% rebate, which drops it down to about $281.22. Yeah. Okay. Yeah. And that's underwritten. Yeah. So you So went have you through got the all details the of application. the underwriting? Yeah. Everything that you put in the application when it was first set up back in 2022, it would have locked in any kind of health and occupation information from that date backwards. And that's stepped as well. So I'd get less as I go along to say... By the time I get to 45, do you know how much that amount... Payout amount would be? So it's bit of... Bit backwards. With the the unit cover that you get for opening a super fund, that's unitized and goes down with with the... Oh, sorry. Can you still hear me okay? Hello? Yeah. Yeah. You just dropped out. Todd. Sorry. With the the default cover through UniSuper, it goes down with your age from the forties to the fifties. Yep. With the the nails cover, because it's stepped, it actually slowly increases the cover and premiums each year. So it might be a 195 and then 202,000. It'll just slowly increase it with with inflation. Okay. Alright. So you've Okay. got one that'll go down, one that'll go up. Yeah. I gotcha. Alright. Does that make sense? Yeah. Yeah. Yeah. So there's life and then there's permanent disability or whatever it is, isn't it? TPD? Cool. Correct. Yeah. Cool. And so how much is life and how much is TPD? Just so... I They're thought both I'd put exactly on it. the same amounts. They're kind of Okay. linked together. Okay. It's about $1.90 it was, wasn't it? Yeah. Correct. And because it's attached, so the attachment makes it cheaper. But then if you claim on TBD, the life insurance goes down, and you've got a buyback option which fills it back up again. Oh, okay. Yep. Yep. Alright. It's listed as white collar occupation rating at the time, so pretty cheap. Mhmm. The other question I've got for you too is, so we do, like, claims assistance. So, god forbid, if something happens to you, you go through TPD. We help people through the claims packs and whatnot. We can either lead ourselves on there for claims assistance or we can remove ourselves off the policy if you'd Would prefer I have it to? that way. Yeah. I mean, if I have to pay... If that's something I'd have to pay for, I'd probably take it off the claims assistance. Yeah. Claims assistance, not so much. It's claims advice. Like, we've got some clients that, you know, terminal, they get a million dollars, and they get advice on how to make the money last. That's separate. That's a fee for that. But the assistance, Yeah. Yeah. not so much. Reviewing the policy, not so much. But we Yeah. do get, like, commissions for the policy. Like, Yeah. 22% of the premiums comes through to us. So when I send Yeah. through the documents to switch it to the other funds, Yeah. I can get us removed off of there as well. Well, say... Yeah. Well, like, if that's sorry. What... Removed as the assistance or removed as the trailing commission. Sorry. I missed missed that. It's both. So whoever's listed as, like, servicing advisers, we have, like, a adviser authority on the policy to Okay. assist with claims and receive commissions and so on. Oh, okay. But with those commissions... So I'm just trying to trying to follow how it's set up. So if Yeah. you're taken off, do I pay less or for Oh, yeah. for Yeah. the policy? Great question. No. So they don't change the price to remove advisers from it. It's all kind of just a portion of it goes to the advice firm. They don't kind of increase or decrease the price based on that. Okay. And then in real world terms, like, assistance can can mean, like, assistance is, like, a word that could be misused. Like, assistance Yeah. could be construed as I would be helped every step of the way, or assistance could be just I get a phone call and then Gotcha. box teeth I've been assisted. So... Yeah. So, like, what exactly does the assistance entail? Like, Yeah. No. Great question. So we have what's called a a case management division that handles insurance claims. And, basically, what happens is, let's say you're in a car accident, can never work again, and you gave us a call and said, hey. Look. I wanna claim on that TPD insurance. God We would contact God forbid. the insurer, get the... That's Yes. it. Touch touch a few planks of wood. We would go through the pack, make sure you... You know, it's all filled out with the doctors and everything, send it off to the providers, follow it up, help that way. Same Yep. thing if it ends up with a life insurance scenario where, Yep. obviously, we're probably not the first people to call if you were to pass away, but we would go, okay. Who's the listed beneficiary? And help forward on the documents, liaise with the insurers, help her get paid out, that Yep. Yeah. K. Gotcha. kind Yep. of Alright.","start_word":212,"end_word":1554,"sentiment":"neutral","sentiment_score":0.02304346032290874},{"text":"Sounds good. thing. Cool.","start_word":1555,"end_word":1558,"sentiment":"positive","sentiment_score":0.4229686856269837},{"text":"So I'll kind of leave that in your call. What we can do is we'll at least Yeah. email the form so you've got them there. And then Yeah. if you wanna reply back to the email, if you want us to still be listed or not, we can just go off your instructions from there. Yeah. Easy.","start_word":1559,"end_word":1616,"sentiment":"neutral","sentiment_score":0.09573791176080704},{"text":"Alright. Cool. Cool.","start_word":1617,"end_word":1619,"sentiment":"positive","sentiment_score":0.578429639339447},{"text":"And just with regards to the super, is there anything I can help you with on that end of things? I know you obviously gotta go through forms and and whatnot, but anything I can help you with the hub portfolio in the interim Yeah. or They anything might there? they might... Yeah. They they could be. Like, if I... Well, when I go to do the rollover and the rollout and all that sort of stuff, if anything pops up, can I still contact you to ask you, hey? Look. This this, like, this needs to happen or that needs to happen or they said this. Just try and make it a smoother process. Like, I assume it would be fairly fairly easy, fairly smooth process, but, yeah, just until it's all moved over. Yeah. So what we basically do is for for however long we're listed on the account, if a request comes through to to do a full rollover, we basically jump on and sell off the investments down to cash so that they can be Yep. moved across to the other fund. Yep. If we, like, remove ourselves off there today, then it gets wiped from our dashboard, and we can't see your account anymore, Yeah. so we wouldn't Yeah. be able to touch any of Yeah. So I was hoping that doesn't happen. Just if I've got some issues, I can call you back up and say, oh, hey. They're saying this this fund hasn't been sold into cash. it. Do Yeah. you know what the delay is, etcetera, etcetera. Because then there's, like, a Benelung or something there that might be... I'm just guessing or I'm, like, just thinking my thoughts out Yep. loud. Yeah.","start_word":1620,"end_word":1910,"sentiment":"neutral","sentiment_score":-0.0524042509496212},{"text":"It might be harder to sell into cash than the the others. So that was slow moving because there's some sort of situation where somebody says, no. We don't we don't want you to sell that. We don't Right.","start_word":1911,"end_word":1949,"sentiment":"negative","sentiment_score":-0.5131191290341891},{"text":"like the idea of that investment being sold, then, you know, I can contact you and say, hey. Look. You know, I think think this needs to happen. You know what I mean?","start_word":1950,"end_word":1982,"sentiment":"neutral","sentiment_score":-0.2032264918088913},{"text":"Like... Did you know that it was gonna be harder to sell, or was that just thinking out loud? That's that's me just reading between the the lines with these sorts of things.","start_word":1983,"end_word":2015,"sentiment":"negative","sentiment_score":-0.35693129897117615},{"text":"Like, I think with with my wife, she got caught up in all that business with those... I don't know. It wasn't even really the advisers.","start_word":2016,"end_word":2041,"sentiment":"neutral","sentiment_score":-0.2744497060775757},{"text":"It's the dodgy fund managers who are just softening money out of a fund into their own private property You're not talking about, like, and the bullshit.","start_word":2042,"end_word":2068,"sentiment":"negative","sentiment_score":-0.45255163311958313},{"text":"shield master trust stuff and Yeah. things I am. like that, Yeah. was it? Yeah.","start_word":2069,"end_word":2083,"sentiment":"neutral","sentiment_score":-0.17954237759113312},{"text":"No way. And and so that money's back, but then there's... I thought it was a lot worse than what it was because I thought... Because there's so many freaking names flying around with the with the different investments.","start_word":2084,"end_word":2122,"sentiment":"negative","sentiment_score":-0.40137049555778503},{"text":"But there's something Yeah. called... In that fund, there's something called a Climb Act smart fund that they're trying to sell out of that they can't sell. And I was Right. like, for crying out loud, that's another percentage there that... And they said, no. You need to stay in this because then it'll be easier for you to get your money. And I'm like, yeah.","start_word":2123,"end_word":2188,"sentiment":"neutral","sentiment_score":-0.26847293972969055},{"text":"Let's not add more complication to process.","start_word":2189,"end_word":2195,"sentiment":"negative","sentiment_score":-0.3539750576019287},{"text":"But now Yeah.","start_word":2196,"end_word":2198,"sentiment":"neutral","sentiment_score":-0.232542484998703},{"text":"they've got something else that we want. Like, we're trying to move her money out, and there's something else that is impinges, not smooth. And I'm like, mate, if he's been along, don't play ball, I'm not gonna be too happy because it's... I I think it's those kind of investments.","start_word":2199,"end_word":2249,"sentiment":"negative","sentiment_score":-0.5046518339830286},{"text":"So you're gonna be that that... Where people, like, on on the other end, like... So you're like a middleman, and then there's, like, that fund. They're the ones that seem to cause trouble is, like, Yeah. it's where... Because because I think, in my own opinion, that's where your commissions are, like higher commissions. It's like you break down all the investments, and then if we throw it into an ETF with Vanguard or bloody somebody else, you don't get much out of that. But if you're... If you can put money into a specific fund, that's where you get paid because you get a high commission on that Yeah. to grease Right. the wheels. And, oh, mate, no one's looking at old mate really because he's he's gotten verified from god knows who.","start_word":2250,"end_word":2384,"sentiment":"neutral","sentiment_score":-0.16510221362113953},{"text":"So, yeah, so that's that's where I see this whole business comes on stock is that pretty much you gotta be really careful because there's people out there that have hacked the system, Right. and they've figured it out and made money for themselves. And, you know, people caught in the middle and on the half end of it are the ones that miss out.","start_word":2385,"end_word":2449,"sentiment":"negative","sentiment_score":-0.4419611394405365},{"text":"So... Oh, jeez. Yeah. I'm sorry your your partner's going through that at the moment. One one thing that I absolutely can let you know upfront is Yep. that Benelon option you mentioned, that's a that's a managed fund, not an Yep. ETF. So Yep. generally speaking, whenever you do a sell on hub as a as a platform, the ETFs are sold down within a couple of days. The managed funds, no matter who it is, it's usually after two weeks Yep. if Oh, it's two international. weeks is fine. I'm I'm like... It's Yeah.","start_word":2450,"end_word":2545,"sentiment":"neutral","sentiment_score":-0.007455771818058565},{"text":"like six months, a year, two years, and I'm I'm not too happy.","start_word":2546,"end_word":2558,"sentiment":"negative","sentiment_score":-0.35705605149269104},{"text":"Or if they, Yeah. like, went under as a fund and the money got locked up kind of thing, that would probably be that scenario. Yep. At this point, I know they've got... They got bought out a little while ago. Their investments are kind of bouncing back a little bit, so they're not as much of an at risk of that. But, Yep. yeah, couple of days for ETFs, couple of weeks for managed funds, that's pretty standard. Well, that's Anything good longer good than to that, know. and Yeah. then there's a concern. Okay. Cool. I can I can wait a month, I guess, from time when I switch it over to? Before I, you know, might give you a call. Go, Yeah. hey. What's And going it might on? be... What? Like, it might be a couple of weeks and then the cash is there, and then it takes them a couple of days to transfer it. So I Yep. Yep. wouldn't be waiting any longer than, say, three weeks. Yeah. Cool.","start_word":2559,"end_word":2733,"sentiment":"neutral","sentiment_score":-0.06720881909132004},{"text":"Cool. Cool. Cool. Sweet. Yeah. Awesome.","start_word":2734,"end_word":2739,"sentiment":"positive","sentiment_score":0.4157184362411499},{"text":"So from there, basically, we'll send you the forms for the for the Neos. If you're comfortable, I guess, we just sort of leave ourselves with access for the time being until it gets moved... The request Yep. come through to move it across, if that's your preference. Yep. Yep.","start_word":2740,"end_word":2789,"sentiment":"neutral","sentiment_score":0.12508143484592438},{"text":"Cool.","start_word":2790,"end_word":2790,"sentiment":"positive","sentiment_score":0.4200738966464996},{"text":"Yeah. Yeah.","start_word":2791,"end_word":2792,"sentiment":"neutral","sentiment_score":0.3184048533439636},{"text":"I'll probably keep you on, you know.","start_word":2793,"end_word":2799,"sentiment":"positive","sentiment_score":0.3808654844760895},{"text":"If if there's no difference in in price or whatever, Yeah.","start_word":2800,"end_word":2810,"sentiment":"neutral","sentiment_score":0.21417301893234253},{"text":"then there's no harm in keeping you on.","start_word":2811,"end_word":2818,"sentiment":"positive","sentiment_score":0.3741010427474976},{"text":"So The other thing to remember though too is you've got our fees come out of the the hub 24 monthly. So it's a question of do you want us there to help sort of sell it down, or do you want us to to click that off? So just bear Yeah. in mind, there is the adviser fees out of the super. So that's the thing that would keep ticking. What? So insurance policies is just a trailing, but there's a service agreement on there, which we can kind of remove the service agreement, probably the way to do it. Yep. Yeah. Well, once the money is rolled out, the service agreement's not on void, isn't it? It's like... Yeah. Correct. Obviously. As soon as the account closes, Yeah. same thing. Exactly right. Yeah. So that's... Yeah. That's probably it. Because either way, that 1.65% will be calculated. If we're talking weeks, then it's probably not that big a deal. So Yep. So just in case, do you want me to get the team to give you a buzz in a couple of weeks just to follow-up and see how you're going? I don't want it to sit there and tick for six more months or something. Yeah. That'd be that'd be great. Yeah. Yep. Yeah. Yep. Because that way... Look. If we're if we're charging you fees without providing any service or advice, we get caught into fee for no service arrangements. And so happy to kind Yep. of help with transactions and stuff like that, but I don't want it to kind of drag on forever. Yep. That's not Yep. good for you as well. Yeah.","start_word":2819,"end_word":3097,"sentiment":"neutral","sentiment_score":-0.034633081406354904},{"text":"Easy done. Cool. Cool. Cool.","start_word":3098,"end_word":3102,"sentiment":"positive","sentiment_score":0.3774482309818268},{"text":"So I'll just pencil in for them to call in a couple of weeks. Yep. And, again, email through those forms. That way, whether it's email, text, or call, we've got Yep. an open line of communication.","start_word":3103,"end_word":3139,"sentiment":"neutral","sentiment_score":0.1981673389673233},{"text":"Easy done. Alright. Thank you. Awesome, man. Is there anything else I can help you with before I let you go?","start_word":3140,"end_word":3160,"sentiment":"positive","sentiment_score":0.4878061470531282},{"text":"No. That's about it.","start_word":3161,"end_word":3164,"sentiment":"neutral","sentiment_score":-0.0800459086894989},{"text":"Thanks thanks for calling, and thanks for giving me your time. That's that's great. Thank you.","start_word":3165,"end_word":3180,"sentiment":"positive","sentiment_score":0.7149090766906738},{"text":"Thanks, No.","start_word":3181,"end_word":3182,"sentiment":"neutral","sentiment_score":0.2793461084365845},{"text":"mate. I appreciate yours, Daryl, and we'll talk to you in a couple of weeks.","start_word":3183,"end_word":3197,"sentiment":"positive","sentiment_score":0.4706365466117859},{"text":"Speak to you then.","start_word":3198,"end_word":3201,"sentiment":"neutral","sentiment_score":0.28676778078079224},{"text":"Cheers, buddy. Thanks, mate. Have a good night. Bye.","start_word":3202,"end_word":3210,"sentiment":"positive","sentiment_score":0.6056920886039734}],"average":{"sentiment":"neutral","sentiment_score":-0.02482738840923493}}}}