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Is now still a good time for you? Perfect. Just to get started on that call there, Jack, if I could just pass you through security with that name, date of birth, and current address so we can jump into that one. Perfect. Thanks for that one, Jackie. Now following your annual review there, I had you booked in just for a follow-up regarding your insurances there and just a potential review of those. Correct? In terms of, like, your time on board, I believe you came on around 2022. I'll just have a quick so I'll just have a quick look on the file and see where it goes back there. I have only sort of information starting around sort of, you know, May 2022, if that sounds about correct. Because I've just got, like, your initial, like, SOA was signed the 2022. Yeah. So roughly four years coming up to that in a few months in terms of time on board. So you're saying you wanted to review your portfolio, was it, or just as in So were you just looking at something there, Jacky? Yep. So for the last twelve months there, it was around 7.84% after fees in terms of a return. And then, largely, due to the return this year was because of a comp like, the underlying actively managed fund, Venlo. So with that, they have an underlying investment called corporate traveler, and that was done for not reporting correctly to consumers and also to the market as a whole. So as a result of that, they were put on a trading hold. And because it was a key holding in Benlong, it did cause quite an effect to that managed fund. Now as a, like, a business decision, they are looking at removing Benlong and moving away from that even though you sort of never wanna sort of sell low by high, but just in the fact that they don't have much confidence or conviction in that asset moving forward. So that's something we could definitely look at being updated. Pardon me. And then I know I can't remember what date it would have been, but I believe you did have an investment update somewhere along the lines from when you originally came on board. So since inception, you do have quite a number of assets across the the board there. But I can let you know that since you've been on board after fees, you've done around 33.9%, and it works out to be around 8.12 percent per annum as, like, a rolling figure if you sort of just divided that by your time on board. No. So that's, like, your growth in the period, like, the performance. So, obviously, you do have withdrawals coming out with insurances and adviser fees and the investment costs and taxes associated as well. So that's also included as, like, part of, like, your withdrawals. And as your deposit's going in, it's around sort of, I believe, 11,000 with the last twelve month period from, like, employer pay contributions that have gone in in that period of time. 11,000. Sorry. 11,400 was, like, just over a 12 month period from, like, the 2025 to the 2026. Just from when this report was generated today, over a twelve month period, it was around 11,400 in terms of, like, employer paid deposits into your account. Yeah. Employer deposits. So the growth for the last twelve months was around 8,700, and the income in that period was around 3,000, so around 11,800 in terms of, like, the growth in the period, and then minus the withdrawals, the, like, the costs of investing, investing changes, and then also tax associated plus adviser fees and administration costs as well and your insurance costs. So the the total earnings is around 11,800. So the growth just on capital growth in assets was around 8,700, and then the income earned from, like, dividends and interest earned on certain assets is around $3,090. The percentage returns after, like, taking into account the adviser fees administration costs and those with the 7.84% return. Yep. So with that one, you're currently in a growth option. Now in saying that, that's about an $80.20 split, about 80% growth asset, about 20% defensive assets. You can look at increasing that to, like, a high growth. It's, like, the next one sort of up from that, and it's about a 90 tenths, but of 90% growth assets and about 10% defensive assets in terms of, like, the allocations that you do hold. Now with your time to retirement, given that you've got quite a bit of time left before you do, like, hit 60, which is, like, the general condition of release to be able to start accessing some of your funds, you do have plenty of time to, like, look at increasing your risk. Now when you increase your risk, there's no guarantee that you're going to increase the the returns that you do experience as well. So you are taking on more risk to position yourself to potentially get higher returns, but sometimes that isn't always the case as well, which is something to be mindful of. So currently being in that growth allocation there, the expected return sort of sits between, like, the seven to 9% per annum, like expected return, and it's like volatility sits around sort of 11% of, like, ups and downs you can have experienced. When you go to, like, a high growth, it sort of sits to the expected returns trying to be around the eight to 10% as an average, and then the expected volatility can be anywhere from sort of 14% of ups and downs, if that makes sense. Yeah. And a high growth if you were to sort of look at bumping it up. So over a longer period of time, if you were to hold the investment, obviously, you can potentially get higher returns if you stay within that high growth sort of allocation and just ride out those fluctuations. But sometimes, obviously, if you do have, like, a a bad year, which is sort of expected in those high growth between, like, one and four years, you expect to have maybe a bad year, especially, you know, with things going on in the market at the moment. And, the conflict that is occurring overseas. It's quite uncertain what the markets are gonna do for the next twelve months at least. So that's the sort of risk you take when increasing your exposure to those growth assets, that volatility that can occur as well. It just depends on what your sort of aversion to risk is. So I can do a quick risk profile and just sort of see where you're at in terms of your risk tolerance because it's more than fine to say that you want higher risk for higher returns. But if you do experience a drop in the market and then wanna look at sort of changing the investments because you don't like the fact that it's going backwards, then that can sort of negatively impact you more so than if you just stay, like, in a growth, if you do start changing things when there are dips and those sort of occurrences that do happen, if that makes sense. Yeah. I can run through a quick risk profile there, Jack, and sort of see what your sort of responses will be and get a gauge of where you might sort of fall within that sort of spectrum. Yeah. Yeah. As I said, like, the market as a whole may be quite volatile until that sort of settles down where, like, the you can obviously, you know, have the potential upsides of it going up. But with those sort of events, you never know what sort of the the downside might be in those terms as well. Not to say that you're completely protected in your current portfolio. Like, you still have 20% defensive assets, which is a lot higher allocation if you were to bump it up, but you still have quite a number of assets allocated to, like, the growth side of things, which can be effective in those sort of market situations as well. And the the thing with that too, Jack, is you're not, like, losing in the, like, sense that, like, if it does go down, as long as you're happy to hold the assets, it's more than fine to, like, you know, have the potential to come back up as well. But when you sort of start selling, when they do sort of hit, like, those drops and do go backwards and you go more defensive then, that it can sort of impact it. As long as you're sort of happy to hold investments, you can sort of see the the potential upside of that as well. Did you wanna complete the risk profile now just to go over that quickly? Yep. Have you had direct share investments before there, Jackie? Direct share investments, like any sort of shares, you know, crypto, anything like that that you've owned personally? Yep. No. That's fine. And then in regards to investing, sort of if you were to sort of change your investments, you're still investing that long term. You don't really wanna change it too much. You just wanna make sure it's appropriate moving forward. Yep. And then with inflation and the cost of living sort of going up over time and money being worth that little bit less each year, are you willing to accept, like, a sort of moderate amount of risk to try and outpace that inflation and get a higher return or maybe a bit higher amount of risk to out try and outpace inflation? Yep. Yep. And then if you were to sort of change your investments and then, like, six months down the track, just due to what's happening in the markets, it dropped by 20%, would you sort of look to just hold and wait for that to come back? Would you maybe put a little bit more money in to sort of see how that grows or maybe sort of you would wanna shift back to more secure assets even if it did sort of have that loss? Yep. So, generally, if you've already taken the loss, obviously, there's extenuating circumstances much like the pendulum where it has, you know, an underlying issue with sort of the fund manager and investments itself. If it's just in regards to the market much like COVID where everyone sort of took a bit of a hit in COVID, everyone's superannuation took a bit of a backward step, and then also the markets themselves weren't doing too great in that period. If you just held your investment, it's obviously come back quite well since that period of time. If you were to sort of sell out to cash and then try and time the market to come back into the market, you sort of run the risk that you missed the boat and then they return, and you're not invested at that time, and you miss out on that potential growth. So, generally, if you do have, like, sort of conviction in the investments moving forward, you'd sort of hold and wait and sort of see what the return would look like because if you were to sell, like, things like cash or fixed interest bonds at that time, right, you're only gonna get, like, the the set fixed interest, you know, CPI cash rate and things like that where you don't have the potential upside even though you've already lost the money. So you kind of sort of hinder yourself to return that growth by crystalizing those losses, if that makes sense. So that's, like, the thing within regards to you know, like, the GFC and things like that as well. Obviously, everyone took quite a big hit that if you just were to stay invested and not worry about the dip, and then as long as you're not a retiree and looking to access your money, you've got the time on your side to basically return in that period because at some point, you will have to reenter the market, and you never know when the bottom of the market's going to be. So if you were to sort of sell out at a loss and then sort of just wait, you know, if and sort of see how it goes, the market could return when you're not invested. And then, yes, it could also still go down a little bit, but then you're trying to play the risk of timing the market to reenter. And if you could miss the boat in terms of, like, it returning, and it could go past where you were originally when you sold out, and you may be buying sort of less than what you originally had in that period. And so you're kind of losing twice in that scenario versus, like, if you were just to stay in the market and sort of, like, just ride it out. Yep. Yep. Obviously, it's a personal preference there as well, but it does sound like you're quite, like, sort of adverse to, like, you know, those losses and those downturns. With yeah. And when, like, your superannuation did drop around, like, the COVID time as well, were you quite concerned and anxious about that and sort of that's why you sought advice originally? Yep. Yep. I believe back then, it might have been, like, a a third party that may have contacted you and referred you on to Tokyo, but that's more than fine as long as you're still happy with the service. Yep. So you haven't had any issues with, like, the service you have received so far? You just maybe haven't taken advantage of it as much as you want. Yep. Yep. Understandable. Obviously, you're a bit busy having a new child as well. So that can be, yeah, quite time consuming. So understandable there. But in regards to borrowed money as well there, Jackie, would you ever put borrowed money into anything other than, like, property? Like, would you ever put it into, like, a risky investment, so if you anything like that, or you'd solely only put borrowed money towards your your house? No. No. So in regards to, like, you've obviously taken out a loan for your property, and that's borrowed money from the bank. Would you ever, like, borrow from the bank to put it into, like, an other investment that wasn't your sole property or an investment property or anything else? Yeah. Just as, like, sort of, you know, hypothetically, if you did Yep. Not a problem at all. So currently, it does still leave you as a growth investor there, Jackie, which is what you currently align with that with that eighty twenty split in terms of, like, risk and taking on risk for return, which is still more than adequate. You know, it does seem like you're a little bit risk adverse in terms of, like, you know, your superannuation and it sort of dropping or not given those circumstances. Obviously, with it being a bit of a volatile, you're changing things then can be quite, you know, hit and miss in terms of, like, no one actually knows what the markets are gonna do. As I said, as a business decision, they are moving away from that that along managed fund. So with that, we can look to just replace that within a market index, which is basically you're not paying a a fund manager. You're just following the index much like basically you're not paying a a fund manager. You're just following the index much like the rest of your portfolio, but you don't have the chance to outperform the market, or we can look to replace it with an active portion, another managed fund, basically, to replace that Ben Long that hasn't been performing for you. Within the Benelon. So 10% is to that managed fund Benelon, which is that active component of that. The rest of your portfolio is, like, a ETFs across that, which is, like, the more passive index options, which are cheaper. And also, obviously, the markets have been doing well as a whole. So they've been performing quite well apart from the cyber side of things. Security, AI, and those sort of tech companies did take a little bit of a a downward spiral in January there. But they do have high conviction that those will return, and they're still gonna play a major part moving forward. Whereas the the managed fund been long hasn't done too great, and they are looking to remove that and change it for an alternative whether that's passive or not. Yeah. So you don't carry the manager risk. You still have the same allocation to growth assets. So if you were to move away from active management, you still have, like, that eighty twenty sort of split in regards to, like, growth assets versus defensive. A fund manager basically just tries to find value in the market, whether that's, you know, through, like, profit sharing, through, like, company share, holding of the the market, and, like, how they're performing as a whole, depending on what the fund manager looks for, to try and find companies that they believe are gonna perform better than what the indexes are doing. So you're paying for someone to try and make those bets where they get companies that are worth more or growing more. Whereas the index just follows, like, you know, depends what index you're in across multitude of companies. So, like, the S and P 500 is your top 500 companies in America. And as companies grow and fall, they sort of fall in and out of that 500. You hold that top 500 in that investment. So it's fluid in the sense that if a company starts performing badly, they may fall out of that top 500, and you'll no longer hold that investment. But it's less centralized, and there's no sort of real potential upside to outperform the markets because you're just following what the markets are doing, whereas the fund manager tries to actively beat those markets by picking and choosing winners, basically. Now in regards to that, Jackie, would you still wanna keep an an active portion in that, or would you rather sort of just go the passive for the moment and then maybe review at a later date? Yeah. Yeah. Yeah. As I said, like, it didn't perform quite well the the past twelve months given what did occur at the November there. But even then, it hasn't impacted your portfolio significantly to where it sort of had too much of a negative impact. So from that, obviously, you know, you can still look to have an active portion to try and have that little bit of, like, aggressive performance because even if it rises or falls, it doesn't hurt your portfolio by much. And if it does well, it obviously does better for your portfolio. Yep. We'll just look to update that with an active portion there. Now in regards to the insurances there, Jackie, now I know you're currently on maternity leave. Did you plan on returning to work shortly? How long do you think you sort of stay on maternity leave before you return? In November, was it? Sorry. Yep. Yep. So you'll still be at home caring for your child for probably another sort of six or so months? Yep. Because with that, were you a part time worker or casual when you left your employment? Part time. Yep. Perfect. So with that there, we can obviously look to review that currently. But given you are on maternity leave, when rewriting the policy, some may rate you just a little bit worse off given that you are stay at home mother currently, and, obviously, you're still returning to work. You still have that job there that can you can go back to. So it's definitely an option to review. The other option there is I know you wanted to increase your cover as well as sort of review it as a whole. So another option there as well, your policy does renew around July, and you can when having children and things like that. It's called, like, a life event, and you can do, like, a free increase through your your insurer without having to go through underwriting up to 25% or 200,000 depending on what the lower amount is, which given your policy would be the 200,000. So you could look to increase your life by 200,000 without underwriting. The other alternative is to go back to the market and then see how they'll assess you, and we'll have to just sort of do a quick pre assessment questionnaire just to make sure that nothing's changed into your original policy. Because I know you're concerned a little bit with the price as well. Now you definitely can so at the moment, you pay around 2,400 as an annual premium to insurances, and I'll just see if that's before or after the the rebate. Let me just check. Yes. So with that one, in regards to going back to market, given the age of policy, you definitely can go and have a look to see what that may look like in terms of what you're paying currently versus what the market's willing to offer. So you do get a 15% rebate inside superannuation. So you're currently paying around 2,000, which obviously goes up a little bit each year for the 800,000 of life PPD and the income protection portion. Now the only thing we're going back to market there is if anything's changed in regards to your health, like a pregnancy is not an issue, but anything health wise that has occurred in the last sort of four to five years that isn't originally an exclusion on your current policy may end up being an exclusion on your policy if your health has changed, if that makes sense. Yep. All still largely unchanged. Perfect. And would you have time to complete a bit of a pre assessment questionnaire just in regards to your occupation that it was and a little bit about your health, family history, and that at the moment? Yep. Perfect. Bear with me. I'll just bring it up. Let me check. You were working as a registered nurse. Is that correct? Yep. And how long have you been doing that specific role? Sorry. Cut out just a little bit. What was that? So four years current role and then maybe twelve years industry? Put it. And then four years in your current role? Perfect. And was your annual income around the 72,000 as a part time worker? Yep. And you're doing around sixty four hours of fortnight? Yep. And then with that one, would you be returning to part time work when you went back, or would you be doing, like, casual work? Or Yep. And then with that, you've just got your bachelor of nursing in relation to that degree. Do you have any other qualifications? Perfect. And you've never declared bankruptcy or entered a part nine debt agreement at all there. Have you checked it? Yeah. Okay. Brilliant. And then in regards to your manual duties that you do there, what ward are you in? Are you sort of lifting patients or doing anything physical in regards to your role? Like, manual duties? Like, what ward are you on? Are you sort of assisting with helping patients, lifting patients? Yep. And then with that, do you do many manual lifting duties or anything like that? Yep. And what does that sort of entail, if you don't mind me asking, Jackie? So you're only ever really sort of rolling them between, like, the lifts and harnesses? Yep. And then do you travel at all for your work between, like, different places, or you're just at the one? Yep. And are you handling any hazardous materials apart from sort of medication? Do you hand like, you're handling needles and yep. Any anything to do with radiation or anything like that? Sorry. I cut out a little bit. What was that? Sorry. Oh, cannula. Yeah. Sorry. Yep. And do you intend to change your employment within the next twelve months of, like, returning or anything like that? Yep. And you don't have a second job at all? Yep. Yep. And do you intend to travel or live overseas in the next sort of twelve months or longer? So you maybe go on a trip sort of in the future? Yep. Perfect. And then do you participate in any sports or pastimes or any hobbies? Obviously, with the trial, that's probably a little bit on the back burner, but do you have any sports that you play or anything like that in your free time? Yep. And do you smoke at all at the moment there? Okay. And do you or have you sort of used illicit substances in the last sort of five to ten years? Brilliant. And currently, at the moment, I have your height and weight around one seventy and seventy. Obviously, having a child so recently, that's maybe changed a little bit. Is that sort of roughly the same? Or One seventy nine is what I've got. January? Okay. That was probably just a typo there. And then as far as your wife, do you know roughly what you're weighing at the moment, Jackie? I know it's quite personal question, but it's just seventy six? And then, obviously, the the weight loss was just in regards to having a child. You obviously weighed a little bit more back in October having a baby inside you? Yeah. And do you drink at the moment, Jackie, in terms of, like, standard drink no drinking? Perfect. Now these are just going to be a few medical questions just in regards to family. So this is related to specifically, like, mothers, brothers, sisters, you know, like your parents, siblings, not sort of aunties, uncles. So I'll just rattle off these questions. Just feel free to stop me if anything sort of pops up that you have a family history or know of. But any family history of heart attacks, heart attacks, or heart disease, sorry, or strokes? Yep. Any multiple sclerosis, Parkinson's disease, or Alzheimer's in the family? Motor sorry. Muscular dystrophy, Huntington's, or motor neurone disease? Any sort of history of bowel cancers, melanomas, anything like that? Polycystic kidney disease, breast ovarian cancers, or any mental health conditions? Yep. Any history of cardiomyopathy or any diabetes or anything like that? Yeah. And is that being cleared up now now that you've had the the chart, or is that still ongoing that you're being treated for? Yep. And when was the date of that diagnosis that they've sort of realized that you had testational diabetes? Yep. And then with that, was that just during one of your checkups that they found that out with your blood test and things like that? Okay. Did you have symptoms that made you do a check? Or Okay. Yeah. So you weren't really having any symptoms just being in the medical field. You decide to, you know, be proactive? Yep. No problem. And when was the last time that you took insulin for that one? Yeah. When was the last time you had a dose of insulin for that condition? Yep. And when was the the first time you sort of started taking the insulin because of that? Was sort of around May as well? When was the first was around May when you first started taking the insulin for that? Yep. And then how often did you have to take the insulin as a result of that? Yep. And you said you've just got to get a full, like, a a checkup that you've made a full recovery otherwise to make sure that it's fine? Yep. Yes. Yeah. Okay. No problem. Do you plan on doing that sort of soon? Because, generally, when that you have to go check up or, like, intend to go see a medical professional for any reason, you they wanna hold off just to see what the results of that are. So do you plan on doing that sort of shortly? Yep. Do you reckon you'll do that sort of in this month? Or yep. Because with that, we just may have to wait until you sort of get cleared by the doctors themselves. Obviously, you know, being in the medical profession, you probably understand that, like, you know, just as some diabetes generally does sort of fall off once you have your your child. And then with that, you just not need the the doctors all clear from that checkup just because they wanna see if anything else comes from that checkup as well, if that makes sense. Just with anything, even if you were just going for a standard health check for, like, medical fee, you know, just for your yearly check, they'd normally sort of hold off on offering sort of terms for cover just in case anything came from the checkup you were going to see, if that makes sense. So we might just have to we'll still sort of do it anyway. And then from that, we'll basically just wait until you've had you to. The gestational diabetes doesn't make much of a difference. No. But if you were to sort of get diagnosed ongoing with continuous, like, diabetes, like, type one, then or two, then that can affect in terms of, like, exclusions and loading, which is something we have been mindful of. Obviously, gestational diabetes is something that's due to pregnancy. So if you do get the all clear from the doctor, it should be fine. As far as, like, anything else that comes up from that, even if you weren't going in there for any specific reason, you were just going for a doctor's checkup, the insurers would likely wait until you've had that checkup before they were willing to offer terms just in case something did come up from that if that makes sense. Yeah. But that's fine. We'll still sort of start the process and continue with that one. And then from there, we can obviously look the the options depending on when you do actually go get your your checkup done. But any other family history that you can think of in regards to, like, your mother's brothers, sisters, anything like that? She does have diabetes? Yep. And is that type one or two? Yep. And then when was she diagnosed with that? Two years ago? And do you know how old she was roughly when that was diagnosed? And so I just did a typo that did you say it was type one diabetes? Oh, two. Sorry. Sorry. My workbook just played up on me there for a little bit. And anything else you can think of in relation to the family? Yep. Yeah. Okay. Brilliant. And now these questions here related specifically to yourself there, Jackie. So I understand that these can be quite prying, but, obviously, the insurers just do wanna know, obviously, your complete health history. So I do apologize if some of these do come across a little bit harsh, but I'll run through these same as the family questions, and you can just let me know if anything pops up. But have you suffered from any stress, anxiety, depression, or mental health? Yep. Any skin cancers, tumors, skin lesions, moles, or cysts? Yep. Any back issues, neck strains, pain, sciatica, or spondylitis, or any back or neck problems? Yep. Any bone joint fractures, muscle, ligament tears, any gout or arthritis, anything like that? Yep. Any HIV, Hep B, or C? Yep. Any heart conditions? Blood conditions or previous surgeries? Yep. Any diagnosis of cancers, respiratory, asthma issues, anything like that? Any disease or conditions of the eyes or ears? Any high cholesterol or skin conditions that you've been diagnosed with? Yep. Any thyroid condition or any other health conditions that you can think of? Perfect. And now these ones can be a little bit forward there as well, but have you had any abnormal cervical pap smear tests including the detection of h I HPV or any abnormalities? Yep. Any abnormal vaginal bleeding within the last twelve months, obviously, apart from having a child? Yep. Any breast lumps or abnormal mammograms or breast ultrasound? Sorry, Jackie. Did you hear me on that one? Oh, sorry. So in regards to your checkups, obviously, you just plan on going for a bit of a checkup for the gestational diabetes and then obviously just in regards to your general health probably for having a child and then the baby checkup as well. But can you think of any other health conditions or anything else that you sort of might have left out not that matching up to those questions at all? Perfect. So what we'll do from there, Jackie, we'll just basically send those off to the insurers and just see how they'll rate you in terms of cover. As I said, they will wait until such time that you do get an all clear from the doctor, basically. So we'll just pre assess based on the fact that you get the all clear check and see what they'll offer terms at in terms of the pricing and the cover that's available. And then it should be fine at the moment that you're currently on maternity leave if you're going back to part time work and that's not changing. But we'll see if that's still the the case when we go to that. Otherwise, we can just review it at such time that you are returned to work. Now I know you did want to increase the cover amount for your life and total permanent disability portion. Have you had a thought about what you wanted to increase that to or what you'd want to cover for? 1.5. Yep. Was that just having the child you wanna ensure that, you know, if something were to happen to you that they can be looked after? Is that sort of the mindset behind that? Yep. Perfect. We can have a look at 1.5 and then maybe even a million dollars worth of cover and just see what the pricing difference will look like that. Now given that we're looking at cover again there, Jackie, we can essentially look at trauma insurance as well, which I know you originally didn't go ahead with there. So within regards to trauma insurance, just to refresh your memory, that's like the insurance that covers for things like heart attacks, strokes. It's a premium that's paid out of pocket. But in saying that, it can sort of bridge the gap if you were to suffer a condition like a heart attack or a stroke where you may not meet the condition of income protection or total permanent disability, but it can sort of assist in covering sort of medical costs and some time off work if something like that were to occur, if that makes sense. Yep. So it covers for, like, trauma traumatic events. It is a lump sum payment that can be that pays like, you pay out of pocket full. It can't be held within superannuation like your other covers. And then say if you were to suffer a heart attack so with your income protection policy, you have to be sick or injured off work for more than thirty days to be able to start claiming on your income protection. If you were to suffer sort of a a heart attack, but you're only off work for a couple of weeks and then you can cleared and return to work, you may not be able to claim on that income protection policy. Whereas if you did suffer it and had trauma cover, the likelihood of that white pay, if it was covered under their conditions, then you would get that lump sum payment and be able to take some time off work. Now you you run the sense that if you do have some suffer from something that is still covered under income protection, you aren't going to work within that sort of month period and you do meet the condition of paying an income protection claim, you'd still get covered on that. Whereas just that trauma cover can cover certain things. Yeah. It's a lump sum payment in addition to, you know, some people might get diagnosed with certain skin cancers and other cancers where you may not be medically unfit to work yet, and you still have to work to cover bills and expenses because you can't just opt to not work. You have to be unable to work for income protection, if that makes sense. So with TBD, you have to be signed off by a specialist and another medical professional that you will not be returning to work, like, ever. Like, you're totally permanently disabled and not returning to the workforce, which is quite, like, severe in terms of that, whereas the trauma, you've just gotta meet one of the conditions in terms of that. So it sort of bridges the gap between those types of covers where you may suffer something that isn't related to that where you can make a claim that would be valid. But it's one of the more claimed on types of insurances, if that makes sense, because you just have to be hit with one of those conditions that are listed. Obviously, it's different between the different providers. But in saying that, it can sort of pay with some of those ones you might not be eligible to pay or might not be yet, if that makes sense. Like, if you got cancer and then you sort of end up totally permanently disabled where you're not working, that may sort of take, you know, six to eight months if it's quite severe. It might take years if it's not as severe or and it sort of just progresses, whereas the trauma payment would sort of pay as you get diagnosed with the condition. Yeah. So with income protection, the the policy that you have there, it's basically a a sixty day waiting period and a five year benefit period. So you would actually have to be off work or not able to work for sixty days before you'd be able to claim on that. And then if you did make a successful claim, it would pay for up to five years for that monthly benefit amount, which, yeah, in saying that as well, like, some conditions, you may not be sick or off work for that sixty days, if that makes sense. It's just a lump sum payment. So as long as you meet the condition of that trauma policy or just pay out, like, as soon as you sort of get diagnosed and do the process of the claim and then what however long that takes to go through the claims process. So generally generally, we just sort of do as a base amount just a year's worth of income depending on that. Some people like to do more, some people like to do less, some people like to do the after tax amount. Obviously, there's certain taxes involved with lump sum payments, so we generally aim for about a year's worth of income replacement. So if you do suffer one of those conditions that are covered, you just get, like, a year's worth of salary. So if you were to take some time off work or cover certain medical expenses. Is that something you wanna look at and see what the general pricing might look like? Yep. No problem. We can have a look and see what they'll look at in terms of that as well. And would you just be looking to do around sort of a year's worth of income, say around the the 75,000 mark? Or Yep. And then with your income protection, given that it's the sixty day wait at the moment, is there something you wanted to review and potentially look at what thirty days look like? Are you happy with the sixty days? Then the event that anything did happen, you'd have to be off work for sixty days to make a claim. So as I said, it doesn't always marry up, but sometimes, yeah, it it would work out to where, like, you can get the trauma policy and then sort of sixty days later if you're still off working and sort of look at IP and use that as a sort of risk mitigation tool. But that's not always the case that some conditions would be covered under trauma. Like, if you're just sort of just got the the flu and then you're unable to work and it sort of keeps going on, that might be not considered under trauma, but it might sort of be able to claim on an income protection policy same with, like, certain broken bones and things like that. Whereas if you No. See, it it just you have to be medically unfit to work from injury or illness, not just that you've sort of had a child and don't wanna return from work sort of thing or just, like, to conflict. So you gotta meet, like, the strict definition still under the PDFs to be able to claim on certain conditions. We can have a look and see what the the pricing looks like, but if you do, it our concern with cost as well, income protection is the more expensive insurance cover. And by reducing that down to thirty days, the in premium will likely increase quite significantly as opposed to that sixty days. Yep. No problem. We can have a look at that in between the sixty and thirty, and then we might even look at sort of a a two year benefit period and a thirty day to where you it wouldn't pay for as long. So the five year benefit period is quite comprehensive in the sense that if you were sort of injured or illness and if you're off work for five years, the likelihood of you returning to work is quite slim. You can look at a two year benefit period, which is less that if you do end up on a claim, it would only pay for two years, but that can sort of reduce pricing and cost as well. But we can just compare a few of those options there for you. Jackie, just to show you what that looks like. But do you have any other questions or concerns that you want addressed at this time? Yep. As I said, we'll start that process there for you, and then we'll just get a start on that. As I said, it may sort of take a little bit longer because we will have to get confirmation after you've sort of had that checkup to be cleared. So once you sort of have that, if you could reach out just via email or text and just let us know if you just got cleared and everything's fine and that doctor didn't find anything else, then we can sort of still proceed as well. Perfect. But do you have any other questions for me, Jackie, while you've got me there? No problem. Well, I'll let you get back to your day. Sorry to take up so much of your time this morning. Good luck with your your child in the back, and then we'll we'll we'll talk soon, I'm sure. No problem, Jackie. Thanks. 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morning, Jackie. It's Carl calling from Ophi Financial. How are you today? That's good to hear. I've got you scheduled in for a bit of a follow-up following you in your review.\n\nIs now still a good time for you? Perfect. Just to get started on that call there, Jack, if I could just pass you through security with that name, date of birth, and current address so we can jump into that one. Perfect. Thanks for that one, Jackie.\n\nNow following your annual review there, I had you booked in just for a follow-up regarding your insurances there and just a potential review of those. Correct? In terms of, like, your time on board, I believe you came on around 2022. I'll just have a quick so I'll just have a quick look on the file and see where it goes back there. I have only sort of information starting around sort of, you know, May 2022, if that sounds about correct.\n\nBecause I've just got, like, your initial, like, SOA was signed the 2022. Yeah. So roughly four years coming up to that in a few months in terms of time on board. So you're saying you wanted to review your portfolio, was it, or just as in So were you just looking at something there, Jacky? Yep.\n\nSo for the last twelve months there, it was around 7.84% after fees in terms of a return. And then, largely, due to the return this year was because of a comp like, the underlying actively managed fund, Venlo. So with that, they have an underlying investment called corporate traveler, and that was done for not reporting correctly to consumers and also to the market as a whole. So as a result of that, they were put on a trading hold. And because it was a key holding in Benlong, it did cause quite an effect to that managed fund.\n\nNow as a, like, a business decision, they are looking at removing Benlong and moving away from that even though you sort of never wanna sort of sell low by high, but just in the fact that they don't have much confidence or conviction in that asset moving forward. So that's something we could definitely look at being updated. Pardon me. And then I know I can't remember what date it would have been, but I believe you did have an investment update somewhere along the lines from when you originally came on board. So since inception, you do have quite a number of assets across the the board there.\n\nBut I can let you know that since you've been on board after fees, you've done around 33.9%, and it works out to be around 8.12 percent per annum as, like, a rolling figure if you sort of just divided that by your time on board. No. So that's, like, your growth in the period, like, the performance. So, obviously, you do have withdrawals coming out with insurances and adviser fees and the investment costs and taxes associated as well. So that's also included as, like, part of, like, your withdrawals.\n\nAnd as your deposit's going in, it's around sort of, I believe, 11,000 with the last twelve month period from, like, employer pay contributions that have gone in in that period of time. 11,000. Sorry. 11,400 was, like, just over a 12 month period from, like, the 2025 to the 2026. Just from when this report was generated today, over a twelve month period, it was around 11,400 in terms of, like, employer paid deposits into your account.\n\nYeah. Employer deposits. So the growth for the last twelve months was around 8,700, and the income in that period was around 3,000, so around 11,800 in terms of, like, the growth in the period, and then minus the withdrawals, the, like, the costs of investing, investing changes, and then also tax associated plus adviser fees and administration costs as well and your insurance costs. So the the total earnings is around 11,800. So the growth just on capital growth in assets was around 8,700, and then the income earned from, like, dividends and interest earned on certain assets is around $3,090.\n\nThe percentage returns after, like, taking into account the adviser fees administration costs and those with the 7.84% return. Yep. So with that one, you're currently in a growth option. Now in saying that, that's about an $80.20 split, about 80% growth asset, about 20% defensive assets. You can look at increasing that to, like, a high growth.\n\nIt's, like, the next one sort of up from that, and it's about a 90 tenths, but of 90% growth assets and about 10% defensive assets in terms of, like, the allocations that you do hold. Now with your time to retirement, given that you've got quite a bit of time left before you do, like, hit 60, which is, like, the general condition of release to be able to start accessing some of your funds, you do have plenty of time to, like, look at increasing your risk. Now when you increase your risk, there's no guarantee that you're going to increase the the returns that you do experience as well. So you are taking on more risk to position yourself to potentially get higher returns, but sometimes that isn't always the case as well, which is something to be mindful of. So currently being in that growth allocation there, the expected return sort of sits between, like, the seven to 9% per annum, like expected return, and it's like volatility sits around sort of 11% of, like, ups and downs you can have experienced.\n\nWhen you go to, like, a high growth, it sort of sits to the expected returns trying to be around the eight to 10% as an average, and then the expected volatility can be anywhere from sort of 14% of ups and downs, if that makes sense. Yeah. And a high growth if you were to sort of look at bumping it up. So over a longer period of time, if you were to hold the investment, obviously, you can potentially get higher returns if you stay within that high growth sort of allocation and just ride out those fluctuations. But sometimes, obviously, if you do have, like, a a bad year, which is sort of expected in those high growth between, like, one and four years, you expect to have maybe a bad year, especially, you know, with things going on in the market at the moment.\n\nAnd, the conflict that is occurring overseas. It's quite uncertain what the markets are gonna do for the next twelve months at least. So that's the sort of risk you take when increasing your exposure to those growth assets, that volatility that can occur as well. It just depends on what your sort of aversion to risk is. So I can do a quick risk profile and just sort of see where you're at in terms of your risk tolerance because it's more than fine to say that you want higher risk for higher returns.\n\nBut if you do experience a drop in the market and then wanna look at sort of changing the investments because you don't like the fact that it's going backwards, then that can sort of negatively impact you more so than if you just stay, like, in a growth, if you do start changing things when there are dips and those sort of occurrences that do happen, if that makes sense. Yeah. I can run through a quick risk profile there, Jack, and sort of see what your sort of responses will be and get a gauge of where you might sort of fall within that sort of spectrum. Yeah. Yeah.\n\nAs I said, like, the market as a whole may be quite volatile until that sort of settles down where, like, the you can obviously, you know, have the potential upsides of it going up. But with those sort of events, you never know what sort of the the downside might be in those terms as well. Not to say that you're completely protected in your current portfolio. Like, you still have 20% defensive assets, which is a lot higher allocation if you were to bump it up, but you still have quite a number of assets allocated to, like, the growth side of things, which can be effective in those sort of market situations as well. And the the thing with that too, Jack, is you're not, like, losing in the, like, sense that, like, if it does go down, as long as you're happy to hold the assets, it's more than fine to, like, you know, have the potential to come back up as well.\n\nBut when you sort of start selling, when they do sort of hit, like, those drops and do go backwards and you go more defensive then, that it can sort of impact it. As long as you're sort of happy to hold investments, you can sort of see the the potential upside of that as well. Did you wanna complete the risk profile now just to go over that quickly? Yep. Have you had direct share investments before there, Jackie?\n\nDirect share investments, like any sort of shares, you know, crypto, anything like that that you've owned personally? Yep. No. That's fine. And then in regards to investing, sort of if you were to sort of change your investments, you're still investing that long term.\n\nYou don't really wanna change it too much. You just wanna make sure it's appropriate moving forward. Yep. And then with inflation and the cost of living sort of going up over time and money being worth that little bit less each year, are you willing to accept, like, a sort of moderate amount of risk to try and outpace that inflation and get a higher return or maybe a bit higher amount of risk to out try and outpace inflation? Yep.\n\nYep. And then if you were to sort of change your investments and then, like, six months down the track, just due to what's happening in the markets, it dropped by 20%, would you sort of look to just hold and wait for that to come back? Would you maybe put a little bit more money in to sort of see how that grows or maybe sort of you would wanna shift back to more secure assets even if it did sort of have that loss? Yep. So, generally, if you've already taken the loss, obviously, there's extenuating circumstances much like the pendulum where it has, you know, an underlying issue with sort of the fund manager and investments itself.\n\nIf it's just in regards to the market much like COVID where everyone sort of took a bit of a hit in COVID, everyone's superannuation took a bit of a backward step, and then also the markets themselves weren't doing too great in that period. If you just held your investment, it's obviously come back quite well since that period of time. If you were to sort of sell out to cash and then try and time the market to come back into the market, you sort of run the risk that you missed the boat and then they return, and you're not invested at that time, and you miss out on that potential growth. So, generally, if you do have, like, sort of conviction in the investments moving forward, you'd sort of hold and wait and sort of see what the return would look like because if you were to sell, like, things like cash or fixed interest bonds at that time, right, you're only gonna get, like, the the set fixed interest, you know, CPI cash rate and things like that where you don't have the potential upside even though you've already lost the money. So you kind of sort of hinder yourself to return that growth by crystalizing those losses, if that makes sense.\n\nSo that's, like, the thing within regards to you know, like, the GFC and things like that as well. Obviously, everyone took quite a big hit that if you just were to stay invested and not worry about the dip, and then as long as you're not a retiree and looking to access your money, you've got the time on your side to basically return in that period because at some point, you will have to reenter the market, and you never know when the bottom of the market's going to be. So if you were to sort of sell out at a loss and then sort of just wait, you know, if and sort of see how it goes, the market could return when you're not invested. And then, yes, it could also still go down a little bit, but then you're trying to play the risk of timing the market to reenter. And if you could miss the boat in terms of, like, it returning, and it could go past where you were originally when you sold out, and you may be buying sort of less than what you originally had in that period.\n\nAnd so you're kind of losing twice in that scenario versus, like, if you were just to stay in the market and sort of, like, just ride it out. Yep. Yep. Obviously, it's a personal preference there as well, but it does sound like you're quite, like, sort of adverse to, like, you know, those losses and those downturns. With yeah.\n\nAnd when, like, your superannuation did drop around, like, the COVID time as well, were you quite concerned and anxious about that and sort of that's why you sought advice originally? Yep. Yep. I believe back then, it might have been, like, a a third party that may have contacted you and referred you on to Tokyo, but that's more than fine as long as you're still happy with the service. Yep.\n\nSo you haven't had any issues with, like, the service you have received so far? You just maybe haven't taken advantage of it as much as you want. Yep. Yep. Understandable.\n\nObviously, you're a bit busy having a new child as well. So that can be, yeah, quite time consuming. So understandable there. But in regards to borrowed money as well there, Jackie, would you ever put borrowed money into anything other than, like, property? Like, would you ever put it into, like, a risky investment, so if you anything like that, or you'd solely only put borrowed money towards your your house?\n\nNo. No. So in regards to, like, you've obviously taken out a loan for your property, and that's borrowed money from the bank. Would you ever, like, borrow from the bank to put it into, like, an other investment that wasn't your sole property or an investment property or anything else? Yeah.\n\nJust as, like, sort of, you know, hypothetically, if you did Yep. Not a problem at all. So currently, it does still leave you as a growth investor there, Jackie, which is what you currently align with that with that eighty twenty split in terms of, like, risk and taking on risk for return, which is still more than adequate. You know, it does seem like you're a little bit risk adverse in terms of, like, you know, your superannuation and it sort of dropping or not given those circumstances. Obviously, with it being a bit of a volatile, you're changing things then can be quite, you know, hit and miss in terms of, like, no one actually knows what the markets are gonna do.\n\nAs I said, as a business decision, they are moving away from that that along managed fund. So with that, we can look to just replace that within a market index, which is basically you're not paying a a fund manager. You're just following the index much like basically you're not paying a a fund manager. You're just following the index much like the rest of your portfolio, but you don't have the chance to outperform the market, or we can look to replace it with an active portion, another managed fund, basically, to replace that Ben Long that hasn't been performing for you. Within the Benelon.\n\nSo 10% is to that managed fund Benelon, which is that active component of that. The rest of your portfolio is, like, a ETFs across that, which is, like, the more passive index options, which are cheaper. And also, obviously, the markets have been doing well as a whole. So they've been performing quite well apart from the cyber side of things. Security, AI, and those sort of tech companies did take a little bit of a a downward spiral in January there.\n\nBut they do have high conviction that those will return, and they're still gonna play a major part moving forward. Whereas the the managed fund been long hasn't done too great, and they are looking to remove that and change it for an alternative whether that's passive or not. Yeah. So you don't carry the manager risk. You still have the same allocation to growth assets.\n\nSo if you were to move away from active management, you still have, like, that eighty twenty sort of split in regards to, like, growth assets versus defensive. A fund manager basically just tries to find value in the market, whether that's, you know, through, like, profit sharing, through, like, company share, holding of the the market, and, like, how they're performing as a whole, depending on what the fund manager looks for, to try and find companies that they believe are gonna perform better than what the indexes are doing. So you're paying for someone to try and make those bets where they get companies that are worth more or growing more. Whereas the index just follows, like, you know, depends what index you're in across multitude of companies. So, like, the S and P 500 is your top 500 companies in America.\n\nAnd as companies grow and fall, they sort of fall in and out of that 500. You hold that top 500 in that investment. So it's fluid in the sense that if a company starts performing badly, they may fall out of that top 500, and you'll no longer hold that investment. But it's less centralized, and there's no sort of real potential upside to outperform the markets because you're just following what the markets are doing, whereas the fund manager tries to actively beat those markets by picking and choosing winners, basically. Now in regards to that, Jackie, would you still wanna keep an an active portion in that, or would you rather sort of just go the passive for the moment and then maybe review at a later date?\n\nYeah. Yeah. Yeah. As I said, like, it didn't perform quite well the the past twelve months given what did occur at the November there. But even then, it hasn't impacted your portfolio significantly to where it sort of had too much of a negative impact.\n\nSo from that, obviously, you know, you can still look to have an active portion to try and have that little bit of, like, aggressive performance because even if it rises or falls, it doesn't hurt your portfolio by much. And if it does well, it obviously does better for your portfolio. Yep. We'll just look to update that with an active portion there. Now in regards to the insurances there, Jackie, now I know you're currently on maternity leave.\n\nDid you plan on returning to work shortly? How long do you think you sort of stay on maternity leave before you return? In November, was it? Sorry. Yep.\n\nYep. So you'll still be at home caring for your child for probably another sort of six or so months? Yep. Because with that, were you a part time worker or casual when you left your employment? Part time.\n\nYep. Perfect. So with that there, we can obviously look to review that currently. But given you are on maternity leave, when rewriting the policy, some may rate you just a little bit worse off given that you are stay at home mother currently, and, obviously, you're still returning to work. You still have that job there that can you can go back to.\n\nSo it's definitely an option to review. The other option there is I know you wanted to increase your cover as well as sort of review it as a whole. So another option there as well, your policy does renew around July, and you can when having children and things like that. It's called, like, a life event, and you can do, like, a free increase through your your insurer without having to go through underwriting up to 25% or 200,000 depending on what the lower amount is, which given your policy would be the 200,000. So you could look to increase your life by 200,000 without underwriting.\n\nThe other alternative is to go back to the market and then see how they'll assess you, and we'll have to just sort of do a quick pre assessment questionnaire just to make sure that nothing's changed into your original policy. Because I know you're concerned a little bit with the price as well. Now you definitely can so at the moment, you pay around 2,400 as an annual premium to insurances, and I'll just see if that's before or after the the rebate. Let me just check. Yes.\n\nSo with that one, in regards to going back to market, given the age of policy, you definitely can go and have a look to see what that may look like in terms of what you're paying currently versus what the market's willing to offer. So you do get a 15% rebate inside superannuation. So you're currently paying around 2,000, which obviously goes up a little bit each year for the 800,000 of life PPD and the income protection portion. Now the only thing we're going back to market there is if anything's changed in regards to your health, like a pregnancy is not an issue, but anything health wise that has occurred in the last sort of four to five years that isn't originally an exclusion on your current policy may end up being an exclusion on your policy if your health has changed, if that makes sense. Yep.\n\nAll still largely unchanged. Perfect. And would you have time to complete a bit of a pre assessment questionnaire just in regards to your occupation that it was and a little bit about your health, family history, and that at the moment? Yep. Perfect.\n\nBear with me. I'll just bring it up. Let me check. You were working as a registered nurse. Is that correct?\n\nYep. And how long have you been doing that specific role? Sorry. Cut out just a little bit. What was that?\n\nSo four years current role and then maybe twelve years industry? Put it. And then four years in your current role? Perfect. And was your annual income around the 72,000 as a part time worker?\n\nYep. And you're doing around sixty four hours of fortnight? Yep. And then with that one, would you be returning to part time work when you went back, or would you be doing, like, casual work? Or Yep.\n\nAnd then with that, you've just got your bachelor of nursing in relation to that degree. Do you have any other qualifications? Perfect. And you've never declared bankruptcy or entered a part nine debt agreement at all there. Have you checked it?\n\nYeah. Okay. Brilliant. And then in regards to your manual duties that you do there, what ward are you in? Are you sort of lifting patients or doing anything physical in regards to your role?\n\nLike, manual duties? Like, what ward are you on? Are you sort of assisting with helping patients, lifting patients? Yep. And then with that, do you do many manual lifting duties or anything like that?\n\nYep. And what does that sort of entail, if you don't mind me asking, Jackie? So you're only ever really sort of rolling them between, like, the lifts and harnesses? Yep. And then do you travel at all for your work between, like, different places, or you're just at the one?\n\nYep. And are you handling any hazardous materials apart from sort of medication? Do you hand like, you're handling needles and yep. Any anything to do with radiation or anything like that? Sorry.\n\nI cut out a little bit. What was that? Sorry. Oh, cannula. Yeah.\n\nSorry. Yep. And do you intend to change your employment within the next twelve months of, like, returning or anything like that? Yep. And you don't have a second job at all?\n\nYep. Yep. And do you intend to travel or live overseas in the next sort of twelve months or longer? So you maybe go on a trip sort of in the future? Yep.\n\nPerfect. And then do you participate in any sports or pastimes or any hobbies? Obviously, with the trial, that's probably a little bit on the back burner, but do you have any sports that you play or anything like that in your free time? Yep. And do you smoke at all at the moment there?\n\nOkay. And do you or have you sort of used illicit substances in the last sort of five to ten years? Brilliant. And currently, at the moment, I have your height and weight around one seventy and seventy. Obviously, having a child so recently, that's maybe changed a little bit.\n\nIs that sort of roughly the same? Or One seventy nine is what I've got. January? Okay. That was probably just a typo there.\n\nAnd then as far as your wife, do you know roughly what you're weighing at the moment, Jackie? I know it's quite personal question, but it's just seventy six? And then, obviously, the the weight loss was just in regards to having a child. You obviously weighed a little bit more back in October having a baby inside you? Yeah.\n\nAnd do you drink at the moment, Jackie, in terms of, like, standard drink no drinking? Perfect. Now these are just going to be a few medical questions just in regards to family. So this is related to specifically, like, mothers, brothers, sisters, you know, like your parents, siblings, not sort of aunties, uncles. So I'll just rattle off these questions.\n\nJust feel free to stop me if anything sort of pops up that you have a family history or know of. But any family history of heart attacks, heart attacks, or heart disease, sorry, or strokes? Yep. Any multiple sclerosis, Parkinson's disease, or Alzheimer's in the family? Motor sorry.\n\nMuscular dystrophy, Huntington's, or motor neurone disease? Any sort of history of bowel cancers, melanomas, anything like that? Polycystic kidney disease, breast ovarian cancers, or any mental health conditions? Yep. Any history of cardiomyopathy or any diabetes or anything like that?\n\nYeah. And is that being cleared up now now that you've had the the chart, or is that still ongoing that you're being treated for? Yep. And when was the date of that diagnosis that they've sort of realized that you had testational diabetes? Yep.\n\nAnd then with that, was that just during one of your checkups that they found that out with your blood test and things like that? Okay. Did you have symptoms that made you do a check? Or Okay. Yeah.\n\nSo you weren't really having any symptoms just being in the medical field. You decide to, you know, be proactive? Yep. No problem. And when was the last time that you took insulin for that one?\n\nYeah. When was the last time you had a dose of insulin for that condition? Yep. And when was the the first time you sort of started taking the insulin because of that? Was sort of around May as well?\n\nWhen was the first was around May when you first started taking the insulin for that? Yep. And then how often did you have to take the insulin as a result of that? Yep. And you said you've just got to get a full, like, a a checkup that you've made a full recovery otherwise to make sure that it's fine?\n\nYep. Yes. Yeah. Okay. No problem.\n\nDo you plan on doing that sort of soon? Because, generally, when that you have to go check up or, like, intend to go see a medical professional for any reason, you they wanna hold off just to see what the results of that are. So do you plan on doing that sort of shortly? Yep. Do you reckon you'll do that sort of in this month?\n\nOr yep. Because with that, we just may have to wait until you sort of get cleared by the doctors themselves. Obviously, you know, being in the medical profession, you probably understand that, like, you know, just as some diabetes generally does sort of fall off once you have your your child. And then with that, you just not need the the doctors all clear from that checkup just because they wanna see if anything else comes from that checkup as well, if that makes sense. Just with anything, even if you were just going for a standard health check for, like, medical fee, you know, just for your yearly check, they'd normally sort of hold off on offering sort of terms for cover just in case anything came from the checkup you were going to see, if that makes sense.\n\nSo we might just have to we'll still sort of do it anyway. And then from that, we'll basically just wait until you've had you to. The gestational diabetes doesn't make much of a difference. No. But if you were to sort of get diagnosed ongoing with continuous, like, diabetes, like, type one, then or two, then that can affect in terms of, like, exclusions and loading, which is something we have been mindful of.\n\nObviously, gestational diabetes is something that's due to pregnancy. So if you do get the all clear from the doctor, it should be fine. As far as, like, anything else that comes up from that, even if you weren't going in there for any specific reason, you were just going for a doctor's checkup, the insurers would likely wait until you've had that checkup before they were willing to offer terms just in case something did come up from that if that makes sense. Yeah. But that's fine.\n\nWe'll still sort of start the process and continue with that one. And then from there, we can obviously look the the options depending on when you do actually go get your your checkup done. But any other family history that you can think of in regards to, like, your mother's brothers, sisters, anything like that? She does have diabetes? Yep.\n\nAnd is that type one or two? Yep. And then when was she diagnosed with that? Two years ago? And do you know how old she was roughly when that was diagnosed?\n\nAnd so I just did a typo that did you say it was type one diabetes? Oh, two. Sorry. Sorry. My workbook just played up on me there for a little bit.\n\nAnd anything else you can think of in relation to the family? Yep. Yeah. Okay. Brilliant.\n\nAnd now these questions here related specifically to yourself there, Jackie. So I understand that these can be quite prying, but, obviously, the insurers just do wanna know, obviously, your complete health history. So I do apologize if some of these do come across a little bit harsh, but I'll run through these same as the family questions, and you can just let me know if anything pops up. But have you suffered from any stress, anxiety, depression, or mental health? Yep.\n\nAny skin cancers, tumors, skin lesions, moles, or cysts? Yep. Any back issues, neck strains, pain, sciatica, or spondylitis, or any back or neck problems? Yep. Any bone joint fractures, muscle, ligament tears, any gout or arthritis, anything like that?\n\nYep. Any HIV, Hep B, or C? Yep. Any heart conditions? Blood conditions or previous surgeries?\n\nYep. Any diagnosis of cancers, respiratory, asthma issues, anything like that? Any disease or conditions of the eyes or ears? Any high cholesterol or skin conditions that you've been diagnosed with? Yep.\n\nAny thyroid condition or any other health conditions that you can think of? Perfect. And now these ones can be a little bit forward there as well, but have you had any abnormal cervical pap smear tests including the detection of h I HPV or any abnormalities? Yep. Any abnormal vaginal bleeding within the last twelve months, obviously, apart from having a child?\n\nYep. Any breast lumps or abnormal mammograms or breast ultrasound? Sorry, Jackie. Did you hear me on that one? Oh, sorry.\n\nSo in regards to your checkups, obviously, you just plan on going for a bit of a checkup for the gestational diabetes and then obviously just in regards to your general health probably for having a child and then the baby checkup as well. But can you think of any other health conditions or anything else that you sort of might have left out not that matching up to those questions at all? Perfect. So what we'll do from there, Jackie, we'll just basically send those off to the insurers and just see how they'll rate you in terms of cover. As I said, they will wait until such time that you do get an all clear from the doctor, basically.\n\nSo we'll just pre assess based on the fact that you get the all clear check and see what they'll offer terms at in terms of the pricing and the cover that's available. And then it should be fine at the moment that you're currently on maternity leave if you're going back to part time work and that's not changing. But we'll see if that's still the the case when we go to that. Otherwise, we can just review it at such time that you are returned to work. Now I know you did want to increase the cover amount for your life and total permanent disability portion.\n\nHave you had a thought about what you wanted to increase that to or what you'd want to cover for? 1.5. Yep. Was that just having the child you wanna ensure that, you know, if something were to happen to you that they can be looked after? Is that sort of the mindset behind that?\n\nYep. Perfect. We can have a look at 1.5 and then maybe even a million dollars worth of cover and just see what the pricing difference will look like that. Now given that we're looking at cover again there, Jackie, we can essentially look at trauma insurance as well, which I know you originally didn't go ahead with there. So within regards to trauma insurance, just to refresh your memory, that's like the insurance that covers for things like heart attacks, strokes.\n\nIt's a premium that's paid out of pocket. But in saying that, it can sort of bridge the gap if you were to suffer a condition like a heart attack or a stroke where you may not meet the condition of income protection or total permanent disability, but it can sort of assist in covering sort of medical costs and some time off work if something like that were to occur, if that makes sense. Yep. So it covers for, like, trauma traumatic events. It is a lump sum payment that can be that pays like, you pay out of pocket full.\n\nIt can't be held within superannuation like your other covers. And then say if you were to suffer a heart attack so with your income protection policy, you have to be sick or injured off work for more than thirty days to be able to start claiming on your income protection. If you were to suffer sort of a a heart attack, but you're only off work for a couple of weeks and then you can cleared and return to work, you may not be able to claim on that income protection policy. Whereas if you did suffer it and had trauma cover, the likelihood of that white pay, if it was covered under their conditions, then you would get that lump sum payment and be able to take some time off work. Now you you run the sense that if you do have some suffer from something that is still covered under income protection, you aren't going to work within that sort of month period and you do meet the condition of paying an income protection claim, you'd still get covered on that.\n\nWhereas just that trauma cover can cover certain things. Yeah. It's a lump sum payment in addition to, you know, some people might get diagnosed with certain skin cancers and other cancers where you may not be medically unfit to work yet, and you still have to work to cover bills and expenses because you can't just opt to not work. You have to be unable to work for income protection, if that makes sense. So with TBD, you have to be signed off by a specialist and another medical professional that you will not be returning to work, like, ever.\n\nLike, you're totally permanently disabled and not returning to the workforce, which is quite, like, severe in terms of that, whereas the trauma, you've just gotta meet one of the conditions in terms of that. So it sort of bridges the gap between those types of covers where you may suffer something that isn't related to that where you can make a claim that would be valid. But it's one of the more claimed on types of insurances, if that makes sense, because you just have to be hit with one of those conditions that are listed. Obviously, it's different between the different providers. But in saying that, it can sort of pay with some of those ones you might not be eligible to pay or might not be yet, if that makes sense.\n\nLike, if you got cancer and then you sort of end up totally permanently disabled where you're not working, that may sort of take, you know, six to eight months if it's quite severe. It might take years if it's not as severe or and it sort of just progresses, whereas the trauma payment would sort of pay as you get diagnosed with the condition. Yeah. So with income protection, the the policy that you have there, it's basically a a sixty day waiting period and a five year benefit period. So you would actually have to be off work or not able to work for sixty days before you'd be able to claim on that.\n\nAnd then if you did make a successful claim, it would pay for up to five years for that monthly benefit amount, which, yeah, in saying that as well, like, some conditions, you may not be sick or off work for that sixty days, if that makes sense. It's just a lump sum payment. So as long as you meet the condition of that trauma policy or just pay out, like, as soon as you sort of get diagnosed and do the process of the claim and then what however long that takes to go through the claims process. So generally generally, we just sort of do as a base amount just a year's worth of income depending on that. Some people like to do more, some people like to do less, some people like to do the after tax amount.\n\nObviously, there's certain taxes involved with lump sum payments, so we generally aim for about a year's worth of income replacement. So if you do suffer one of those conditions that are covered, you just get, like, a year's worth of salary. So if you were to take some time off work or cover certain medical expenses. Is that something you wanna look at and see what the general pricing might look like? Yep.\n\nNo problem. We can have a look and see what they'll look at in terms of that as well. And would you just be looking to do around sort of a year's worth of income, say around the the 75,000 mark? Or Yep. And then with your income protection, given that it's the sixty day wait at the moment, is there something you wanted to review and potentially look at what thirty days look like?\n\nAre you happy with the sixty days? Then the event that anything did happen, you'd have to be off work for sixty days to make a claim. So as I said, it doesn't always marry up, but sometimes, yeah, it it would work out to where, like, you can get the trauma policy and then sort of sixty days later if you're still off working and sort of look at IP and use that as a sort of risk mitigation tool. But that's not always the case that some conditions would be covered under trauma. Like, if you're just sort of just got the the flu and then you're unable to work and it sort of keeps going on, that might be not considered under trauma, but it might sort of be able to claim on an income protection policy same with, like, certain broken bones and things like that.\n\nWhereas if you No. See, it it just you have to be medically unfit to work from injury or illness, not just that you've sort of had a child and don't wanna return from work sort of thing or just, like, to conflict. So you gotta meet, like, the strict definition still under the PDFs to be able to claim on certain conditions. We can have a look and see what the the pricing looks like, but if you do, it our concern with cost as well, income protection is the more expensive insurance cover. And by reducing that down to thirty days, the in premium will likely increase quite significantly as opposed to that sixty days.\n\nYep. No problem. We can have a look at that in between the sixty and thirty, and then we might even look at sort of a a two year benefit period and a thirty day to where you it wouldn't pay for as long. So the five year benefit period is quite comprehensive in the sense that if you were sort of injured or illness and if you're off work for five years, the likelihood of you returning to work is quite slim. You can look at a two year benefit period, which is less that if you do end up on a claim, it would only pay for two years, but that can sort of reduce pricing and cost as well.\n\nBut we can just compare a few of those options there for you. Jackie, just to show you what that looks like. But do you have any other questions or concerns that you want addressed at this time? Yep. As I said, we'll start that process there for you, and then we'll just get a start on that.\n\nAs I said, it may sort of take a little bit longer because we will have to get confirmation after you've sort of had that checkup to be cleared. So once you sort of have that, if you could reach out just via email or text and just let us know if you just got cleared and everything's fine and that doctor didn't find anything else, then we can sort of still proceed as well. Perfect. But do you have any other questions for me, Jackie, while you've got me there? No problem.\n\nWell, I'll let you get back to your day. Sorry to take up so much of your time this morning. Good luck with your your child in the back, and then we'll we'll we'll talk soon, I'm sure. No problem, Jackie. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Jackie.","start":3.36,"end":4.08,"sentiment":"positive","sentiment_score":0.41935773690541583},{"text":"It's Carl calling from Ophi Financial.","start":4.08,"end":5.68,"sentiment":"neutral","sentiment_score":0.2701585168639819},{"text":"How are you today?","start":5.68,"end":6.58,"sentiment":"neutral","sentiment_score":0.2981918379664421},{"text":"That's good to hear.","start":8.4,"end":9.2,"sentiment":"positive","sentiment_score":0.6810839772224426},{"text":"I've got you scheduled in for a bit of a follow-up following you in your review.","start":9.2,"end":11.679999,"sentiment":"neutral","sentiment_score":0.3304332159459591}],"sentiment":"positive","sentiment_score":0.36615330387245526,"num_words":33,"start":3.36,"end":11.679999},{"sentences":[{"text":"Is now still a good time for you?","start":11.679999,"end":13.125,"sentiment":"neutral","sentiment_score":0.29852800257503986},{"text":"Perfect.","start":14.885,"end":15.385,"sentiment":"positive","sentiment_score":0.5025360584259033},{"text":"Just to get started on that call there, Jack, if I could just pass you through security with that name, date of birth, and current address so we can jump into that one.","start":15.764999,"end":22.265,"sentiment":"neutral","sentiment_score":0.24539386639089295},{"text":"Perfect.","start":29.779999,"end":30.02,"sentiment":"positive","sentiment_score":0.5423197746276855},{"text":"Thanks for that one, Jackie.","start":30.02,"end":31.08,"sentiment":"positive","sentiment_score":0.663392698764801}],"sentiment":"neutral","sentiment_score":0.3093341862161954,"num_words":48,"start":11.679999,"end":31.08},{"sentences":[{"text":"Now following your annual review there, I had you booked in just for a follow-up regarding your insurances there and just a potential review of those.","start":31.3,"end":39.62,"sentiment":"neutral","sentiment_score":0.23179267919980562},{"text":"Correct?","start":39.62,"end":40.12,"sentiment":"neutral","sentiment_score":0.15154142677783966},{"text":"In terms of, like, your time on board, I believe you came on around 2022.","start":51.815002,"end":56.315002,"sentiment":"neutral","sentiment_score":0.012648641566435496},{"text":"I'll just have a quick so I'll just have a quick look on the file and see where it goes back there.","start":61.15,"end":70.475,"sentiment":"neutral","sentiment_score":0.020825615237382324},{"text":"I have only sort of information starting around sort of, you know, May 2022, if that sounds about correct.","start":70.695,"end":78.395,"sentiment":"neutral","sentiment_score":-0.024149721243271704}],"sentiment":"neutral","sentiment_score":0.07671324748276587,"num_words":83,"start":31.3,"end":78.395},{"sentences":[{"text":"Because I've just got, like, your initial, like, SOA was signed the 2022.","start":95.925,"end":101.465004,"sentiment":"neutral","sentiment_score":-0.05256834769478211},{"text":"Yeah.","start":109.060005,"end":109.380005,"sentiment":"neutral","sentiment_score":0.016171304509043694},{"text":"So roughly four years coming up to that in a few months in terms of time on board.","start":109.380005,"end":114.600006,"sentiment":"neutral","sentiment_score":0.025006963767939143},{"text":"So you're saying you wanted to review your portfolio, was it, or just as in So were you just looking at something there, Jacky?","start":115.060005,"end":147.745,"sentiment":"neutral","sentiment_score":0.015056822604189316},{"text":"Yep.","start":147.965,"end":148.465,"sentiment":"neutral","sentiment_score":0.02238401770591736}],"sentiment":"neutral","sentiment_score":0.0029237875878288036,"num_words":57,"start":95.925,"end":148.465},{"sentences":[{"text":"So for the last twelve months there, it was around 7.84% after fees in terms of a return.","start":154.765,"end":163.37999,"sentiment":"neutral","sentiment_score":-0.03380716053975953},{"text":"And then, largely, due to the return this year was because of a comp like, the underlying actively managed fund, Venlo.","start":163.92,"end":170.98,"sentiment":"neutral","sentiment_score":-0.02256876877730801},{"text":"So with that, they have an underlying investment called corporate traveler, and that was done for not reporting correctly to consumers and also to the market as a whole.","start":172.385,"end":182.625,"sentiment":"neutral","sentiment_score":-0.19477571881022945},{"text":"So as a result of that, they were put on a trading hold.","start":182.625,"end":185.425,"sentiment":"neutral","sentiment_score":-0.26610536644091976},{"text":"And because it was a key holding in Benlong, it did cause quite an effect to that managed fund.","start":185.425,"end":190.98,"sentiment":"negative","sentiment_score":-0.342604827724005}],"sentiment":"neutral","sentiment_score":-0.16699830370023847,"num_words":100,"start":154.765,"end":190.98},{"sentences":[{"text":"Now as a, like, a business decision, they are looking at removing Benlong and moving away from that even though you sort of never wanna sort of sell low by high, but just in the fact that they don't have much confidence or conviction in that asset moving forward.","start":191.59999,"end":204.53499,"sentiment":"negative","sentiment_score":-0.45891433285207167},{"text":"So that's something we could definitely look at being updated.","start":204.83499,"end":207.655,"sentiment":"neutral","sentiment_score":0.1580430470407009},{"text":"Pardon me.","start":208.435,"end":209.415,"sentiment":"neutral","sentiment_score":-0.11618904024362564},{"text":"And then I know I can't remember what date it would have been, but I believe you did have an investment update somewhere along the lines from when you originally came on board.","start":209.635,"end":218.17,"sentiment":"neutral","sentiment_score":0.04080590549291986},{"text":"So since inception, you do have quite a number of assets across the the board there.","start":218.71,"end":223.91,"sentiment":"neutral","sentiment_score":0.19651248771697283}],"sentiment":"neutral","sentiment_score":-0.15134504759176212,"num_words":110,"start":191.59999,"end":223.91},{"sentences":[{"text":"But I can let you know that since you've been on board after fees, you've done around 33.9%, and it works out to be around 8.12 percent per annum as, like, a rolling figure if you sort of just divided that by your time on board.","start":223.91,"end":237.925,"sentiment":"neutral","sentiment_score":0.20052575044657872},{"text":"No.","start":246.08,"end":246.24,"sentiment":"neutral","sentiment_score":-0.19586440920829773},{"text":"So that's, like, your growth in the period, like, the performance.","start":246.24,"end":249.3,"sentiment":"neutral","sentiment_score":-0.06083951009945436},{"text":"So, obviously, you do have withdrawals coming out with insurances and adviser fees and the investment costs and taxes associated as well.","start":249.92,"end":257.025,"sentiment":"neutral","sentiment_score":0.029531008648601444},{"text":"So that's also included as, like, part of, like, your withdrawals.","start":257.26498,"end":260.165,"sentiment":"neutral","sentiment_score":0.06522108546712181}],"sentiment":"neutral","sentiment_score":0.10688131462250437,"num_words":91,"start":223.91,"end":260.165},{"sentences":[{"text":"And as your deposit's going in, it's around sort of, I believe, 11,000 with the last twelve month period from, like, employer pay contributions that have gone in in that period of time.","start":260.305,"end":271.76498,"sentiment":"neutral","sentiment_score":0.002003020691600713},{"text":"11,000.","start":286.265,"end":286.98502,"sentiment":"neutral","sentiment_score":-0.015146437101066113},{"text":"Sorry.","start":286.98502,"end":287.305,"sentiment":"neutral","sentiment_score":-0.08063650131225586},{"text":"11,400 was, like, just over a 12 month period from, like, the 2025 to the 2026.","start":287.305,"end":294.845,"sentiment":"neutral","sentiment_score":-0.08359933830797672},{"text":"Just from when this report was generated today, over a twelve month period, it was around 11,400 in terms of, like, employer paid deposits into your account.","start":295.145,"end":303.08,"sentiment":"neutral","sentiment_score":0.07066489245604586}],"sentiment":"neutral","sentiment_score":0.006931787535834771,"num_words":78,"start":260.305,"end":303.08},{"sentences":[{"text":"Yeah.","start":306.09998,"end":306.41998,"sentiment":"neutral","sentiment_score":0.13599500060081482},{"text":"Employer deposits.","start":306.41998,"end":307.4,"sentiment":"neutral","sentiment_score":0.12864504382014275},{"text":"So the growth for the last twelve months was around 8,700, and the income in that period was around 3,000, so around 11,800 in terms of, like, the growth in the period, and then minus the withdrawals, the, like, the costs of investing, investing changes, and then also tax associated plus adviser fees and administration costs as well and your insurance costs.","start":313.95502,"end":336.58002,"sentiment":"neutral","sentiment_score":0.19432378043570825},{"text":"So the the total earnings is around 11,800.","start":345.055,"end":348.495,"sentiment":"neutral","sentiment_score":0.15539373457431793},{"text":"So the growth just on capital growth in assets was around 8,700, and then the income earned from, like, dividends and interest earned on certain assets is around $3,090.","start":348.495,"end":359.11,"sentiment":"neutral","sentiment_score":0.1896202009299706}],"sentiment":"neutral","sentiment_score":0.1880734821452814,"num_words":102,"start":306.09998,"end":359.11},{"sentences":[{"text":"The percentage returns after, like, taking into account the adviser fees administration costs and those with the 7.84% return.","start":366.625,"end":373.765,"sentiment":"neutral","sentiment_score":-0.2942988605875718},{"text":"Yep.","start":389.135,"end":389.535,"sentiment":"neutral","sentiment_score":-0.04255294427275658},{"text":"So with that one, you're currently in a growth option.","start":389.535,"end":392.195,"sentiment":"neutral","sentiment_score":0.04064044952392578},{"text":"Now in saying that, that's about an $80.20 split, about 80% growth asset, about 20% defensive assets.","start":392.255,"end":398.355,"sentiment":"neutral","sentiment_score":0.0564623558345963},{"text":"You can look at increasing that to, like, a high growth.","start":399.215,"end":403.23,"sentiment":"neutral","sentiment_score":0.18707244910977103}],"sentiment":"neutral","sentiment_score":-0.03810637604830594,"num_words":58,"start":366.625,"end":403.23},{"sentences":[{"text":"It's, like, the next one sort of up from that, and it's about a 90 tenths, but of 90% growth assets and about 10% defensive assets in terms of, like, the allocations that you do hold.","start":403.23,"end":414.77,"sentiment":"neutral","sentiment_score":0.09681615823258956},{"text":"Now with your time to retirement, given that you've got quite a bit of time left before you do, like, hit 60, which is, like, the general condition of release to be able to start accessing some of your funds, you do have plenty of time to, like, look at increasing your risk.","start":415.125,"end":428.64502,"sentiment":"neutral","sentiment_score":-0.02758404131943606},{"text":"Now when you increase your risk, there's no guarantee that you're going to increase the the returns that you do experience as well.","start":428.64502,"end":438.35,"sentiment":"neutral","sentiment_score":-0.10570912581423055},{"text":"So you are taking on more risk to position yourself to potentially get higher returns, but sometimes that isn't always the case as well, which is something to be mindful of.","start":438.35,"end":446.825,"sentiment":"neutral","sentiment_score":-0.04094690805481326},{"text":"So currently being in that growth allocation there, the expected return sort of sits between, like, the seven to 9% per annum, like expected return, and it's like volatility sits around sort of 11% of, like, ups and downs you can have experienced.","start":446.825,"end":461.46,"sentiment":"neutral","sentiment_score":-0.09433735560539157}],"sentiment":"neutral","sentiment_score":-0.030826574344167947,"num_words":186,"start":403.23,"end":461.46},{"sentences":[{"text":"When you go to, like, a high growth, it sort of sits to the expected returns trying to be around the eight to 10% as an average, and then the expected volatility can be anywhere from sort of 14% of ups and downs, if that makes sense.","start":461.46,"end":472.875,"sentiment":"neutral","sentiment_score":-0.09375781098261793},{"text":"Yeah.","start":476.875,"end":477.115,"sentiment":"neutral","sentiment_score":0.25440511107444763},{"text":"And a high growth if you were to sort of look at bumping it up.","start":477.115,"end":480.095,"sentiment":"neutral","sentiment_score":0.26533025205135347},{"text":"So over a longer period of time, if you were to hold the investment, obviously, you can potentially get higher returns if you stay within that high growth sort of allocation and just ride out those fluctuations.","start":480.395,"end":490.25,"sentiment":"neutral","sentiment_score":0.2902290406259331},{"text":"But sometimes, obviously, if you do have, like, a a bad year, which is sort of expected in those high growth between, like, one and four years, you expect to have maybe a bad year, especially, you know, with things going on in the market at the moment.","start":491.19,"end":502.62997,"sentiment":"negative","sentiment_score":-0.45768761976311606}],"sentiment":"neutral","sentiment_score":-0.07704587479600229,"num_words":148,"start":461.46,"end":502.62997},{"sentences":[{"text":"And, the conflict that is occurring overseas.","start":502.62997,"end":505.095,"sentiment":"negative","sentiment_score":-0.4868001810141972},{"text":"It's quite uncertain what the markets are gonna do for the next twelve months at least.","start":505.155,"end":509.815,"sentiment":"negative","sentiment_score":-0.4566415660083294},{"text":"So that's the sort of risk you take when increasing your exposure to those growth assets, that volatility that can occur as well.","start":510.35498,"end":516.42,"sentiment":"negative","sentiment_score":-0.41581991185312683},{"text":"It just depends on what your sort of aversion to risk is.","start":521.06,"end":523.94,"sentiment":"neutral","sentiment_score":-0.23896989847222963},{"text":"So I can do a quick risk profile and just sort of see where you're at in terms of your risk tolerance because it's more than fine to say that you want higher risk for higher returns.","start":523.94,"end":533.525,"sentiment":"neutral","sentiment_score":0.08162939885782229}],"sentiment":"neutral","sentiment_score":-0.21184289810296736,"num_words":95,"start":502.62997,"end":533.525},{"sentences":[{"text":"But if you do experience a drop in the market and then wanna look at sort of changing the investments because you don't like the fact that it's going backwards, then that can sort of negatively impact you more so than if you just stay, like, in a growth, if you do start changing things when there are dips and those sort of occurrences that do happen, if that makes sense.","start":533.525,"end":551.8,"sentiment":"negative","sentiment_score":-0.41848028818486444},{"text":"Yeah.","start":558.275,"end":558.675,"sentiment":"neutral","sentiment_score":0.06685011088848114},{"text":"I can run through a quick risk profile there, Jack, and sort of see what your sort of responses will be and get a gauge of where you might sort of fall within that sort of spectrum.","start":558.675,"end":566.85504,"sentiment":"neutral","sentiment_score":0.09209575373175982},{"text":"Yeah.","start":578.61005,"end":578.85004,"sentiment":"neutral","sentiment_score":-0.03557342663407326},{"text":"Yeah.","start":578.85004,"end":579.09,"sentiment":"neutral","sentiment_score":-0.03050193004310131}],"sentiment":"neutral","sentiment_score":-0.2369710163859365,"num_words":111,"start":533.525,"end":579.09},{"sentences":[{"text":"As I said, like, the market as a whole may be quite volatile until that sort of settles down where, like, the you can obviously, you know, have the potential upsides of it going up.","start":579.09,"end":588.625,"sentiment":"neutral","sentiment_score":-0.06128137015870639},{"text":"But with those sort of events, you never know what sort of the the downside might be in those terms as well.","start":588.625,"end":594.59,"sentiment":"neutral","sentiment_score":-0.15291233293034814},{"text":"Not to say that you're completely protected in your current portfolio.","start":594.59,"end":597.97003,"sentiment":"neutral","sentiment_score":0.030538334087892013},{"text":"Like, you still have 20% defensive assets, which is a lot higher allocation if you were to bump it up, but you still have quite a number of assets allocated to, like, the growth side of things, which can be effective in those sort of market situations as well.","start":598.27,"end":611.355,"sentiment":"neutral","sentiment_score":0.20736050423310728},{"text":"And the the thing with that too, Jack, is you're not, like, losing in the, like, sense that, like, if it does go down, as long as you're happy to hold the assets, it's more than fine to, like, you know, have the potential to come back up as well.","start":613.255,"end":626.4,"sentiment":"neutral","sentiment_score":0.20854947730898857}],"sentiment":"neutral","sentiment_score":0.09230623334021626,"num_words":167,"start":579.09,"end":626.4},{"sentences":[{"text":"But when you sort of start selling, when they do sort of hit, like, those drops and do go backwards and you go more defensive then, that it can sort of impact it.","start":626.4,"end":634.605,"sentiment":"neutral","sentiment_score":0.027983841627384678},{"text":"As long as you're sort of happy to hold investments, you can sort of see the the potential upside of that as well.","start":634.845,"end":641.345,"sentiment":"positive","sentiment_score":0.457780703254368},{"text":"Did you wanna complete the risk profile now just to go over that quickly?","start":646.605,"end":649.985,"sentiment":"neutral","sentiment_score":-0.016766936518251896},{"text":"Yep.","start":652.05,"end":652.55,"sentiment":"neutral","sentiment_score":0.05757869780063629},{"text":"Have you had direct share investments before there, Jackie?","start":653.25,"end":655.91003,"sentiment":"neutral","sentiment_score":0.01633290046205123}],"sentiment":"neutral","sentiment_score":0.1427782579907216,"num_words":80,"start":626.4,"end":655.91003},{"sentences":[{"text":"Direct share investments, like any sort of shares, you know, crypto, anything like that that you've owned personally?","start":657.73,"end":662.95,"sentiment":"neutral","sentiment_score":0.02359498178379403},{"text":"Yep.","start":665.82495,"end":666.14496,"sentiment":"neutral","sentiment_score":-0.04742981493473053},{"text":"No.","start":666.14496,"end":666.305,"sentiment":"neutral","sentiment_score":-0.18058107793331143},{"text":"That's fine.","start":666.305,"end":667.125,"sentiment":"neutral","sentiment_score":0.11329610645771027},{"text":"And then in regards to investing, sort of if you were to sort of change your investments, you're still investing that long term.","start":667.185,"end":673.26495,"sentiment":"neutral","sentiment_score":0.13400553555592246}],"sentiment":"neutral","sentiment_score":0.07789818466537529,"num_words":45,"start":657.73,"end":673.26495},{"sentences":[{"text":"You don't really wanna change it too much.","start":673.26495,"end":674.865,"sentiment":"neutral","sentiment_score":-0.14962521102279425},{"text":"You just wanna make sure it's appropriate moving forward.","start":674.865,"end":677.285,"sentiment":"neutral","sentiment_score":0.1376829577816857},{"text":"Yep.","start":679.05,"end":679.55,"sentiment":"neutral","sentiment_score":0.2547832131385803},{"text":"And then with inflation and the cost of living sort of going up over time and money being worth that little bit less each year, are you willing to accept, like, a sort of moderate amount of risk to try and outpace that inflation and get a higher return or maybe a bit higher amount of risk to out try and outpace inflation?","start":680.81,"end":695.915,"sentiment":"neutral","sentiment_score":0.0680161952262833},{"text":"Yep.","start":699.495,"end":699.995,"sentiment":"neutral","sentiment_score":0.18011099100112915}],"sentiment":"neutral","sentiment_score":0.05807389555180945,"num_words":82,"start":673.26495,"end":699.995},{"sentences":[{"text":"Yep.","start":703.255,"end":703.495,"sentiment":"neutral","sentiment_score":0.18141703307628632},{"text":"And then if you were to sort of change your investments and then, like, six months down the track, just due to what's happening in the markets, it dropped by 20%, would you sort of look to just hold and wait for that to come back?","start":703.495,"end":714.76,"sentiment":"neutral","sentiment_score":-0.0714664555600156},{"text":"Would you maybe put a little bit more money in to sort of see how that grows or maybe sort of you would wanna shift back to more secure assets even if it did sort of have that loss?","start":714.76,"end":723.47504,"sentiment":"neutral","sentiment_score":-0.07615441389572926},{"text":"Yep.","start":727.935,"end":728.435,"sentiment":"neutral","sentiment_score":-0.047942355275154114},{"text":"So, generally, if you've already taken the loss, obviously, there's extenuating circumstances much like the pendulum where it has, you know, an underlying issue with sort of the fund manager and investments itself.","start":730.015,"end":739.96,"sentiment":"neutral","sentiment_score":-0.24326754406546103}],"sentiment":"neutral","sentiment_score":-0.117931944783777,"num_words":120,"start":703.255,"end":739.96},{"sentences":[{"text":"If it's just in regards to the market much like COVID where everyone sort of took a bit of a hit in COVID, everyone's superannuation took a bit of a backward step, and then also the markets themselves weren't doing too great in that period.","start":739.96,"end":751.5,"sentiment":"neutral","sentiment_score":-0.28669513712326683},{"text":"If you just held your investment, it's obviously come back quite well since that period of time.","start":752.675,"end":757.495,"sentiment":"neutral","sentiment_score":0.26744404698119445},{"text":"If you were to sort of sell out to cash and then try and time the market to come back into the market, you sort of run the risk that you missed the boat and then they return, and you're not invested at that time, and you miss out on that potential growth.","start":757.555,"end":768.68,"sentiment":"negative","sentiment_score":-0.45070902918869593},{"text":"So, generally, if you do have, like, sort of conviction in the investments moving forward, you'd sort of hold and wait and sort of see what the return would look like because if you were to sell, like, things like cash or fixed interest bonds at that time, right, you're only gonna get, like, the the set fixed interest, you know, CPI cash rate and things like that where you don't have the potential upside even though you've already lost the money.","start":769.62,"end":792.395,"sentiment":"neutral","sentiment_score":-0.06373906735239959},{"text":"So you kind of sort of hinder yourself to return that growth by crystalizing those losses, if that makes sense.","start":792.395,"end":798.57,"sentiment":"negative","sentiment_score":-0.5538353458046913}],"sentiment":"neutral","sentiment_score":-0.22371254081962294,"num_words":217,"start":739.96,"end":798.57},{"sentences":[{"text":"So that's, like, the thing within regards to you know, like, the GFC and things like that as well.","start":806.07,"end":810.835,"sentiment":"neutral","sentiment_score":-0.22350262262319265},{"text":"Obviously, everyone took quite a big hit that if you just were to stay invested and not worry about the dip, and then as long as you're not a retiree and looking to access your money, you've got the time on your side to basically return in that period because at some point, you will have to reenter the market, and you never know when the bottom of the market's going to be.","start":810.835,"end":828.57996,"sentiment":"negative","sentiment_score":-0.34472957825007505},{"text":"So if you were to sort of sell out at a loss and then sort of just wait, you know, if and sort of see how it goes, the market could return when you're not invested.","start":828.57996,"end":836.76,"sentiment":"neutral","sentiment_score":-0.28927811028228867},{"text":"And then, yes, it could also still go down a little bit, but then you're trying to play the risk of timing the market to reenter.","start":837.055,"end":842.755,"sentiment":"neutral","sentiment_score":-0.32198299926060897},{"text":"And if you could miss the boat in terms of, like, it returning, and it could go past where you were originally when you sold out, and you may be buying sort of less than what you originally had in that period.","start":843.135,"end":854.63,"sentiment":"negative","sentiment_score":-0.43923167742434}],"sentiment":"negative","sentiment_score":-0.3400260685962074,"num_words":196,"start":806.07,"end":854.63},{"sentences":[{"text":"And so you're kind of losing twice in that scenario versus, like, if you were just to stay in the market and sort of, like, just ride it out.","start":854.69,"end":862.23,"sentiment":"negative","sentiment_score":-0.5496219427421175},{"text":"Yep.","start":873.505,"end":873.905,"sentiment":"neutral","sentiment_score":0.02245369553565979},{"text":"Yep.","start":873.905,"end":874.385,"sentiment":"neutral","sentiment_score":0.014332495629787443},{"text":"Obviously, it's a personal preference there as well, but it does sound like you're quite, like, sort of adverse to, like, you know, those losses and those downturns.","start":874.385,"end":880.76996,"sentiment":"neutral","sentiment_score":-0.30008252976196154},{"text":"With yeah.","start":881.70996,"end":887.49,"sentiment":"neutral","sentiment_score":-0.0551198348402977}],"sentiment":"negative","sentiment_score":-0.40024263362904067,"num_words":61,"start":854.69,"end":887.49},{"sentences":[{"text":"And when, like, your superannuation did drop around, like, the COVID time as well, were you quite concerned and anxious about that and sort of that's why you sought advice originally?","start":889.885,"end":898.545,"sentiment":"neutral","sentiment_score":-0.10388757781155648},{"text":"Yep.","start":910.3,"end":910.8,"sentiment":"neutral","sentiment_score":0.028850775212049484},{"text":"Yep.","start":917.915,"end":918.415,"sentiment":"neutral","sentiment_score":0.15665489435195923},{"text":"I believe back then, it might have been, like, a a third party that may have contacted you and referred you on to Tokyo, but that's more than fine as long as you're still happy with the service.","start":919.995,"end":929.13,"sentiment":"neutral","sentiment_score":0.1538405554663194},{"text":"Yep.","start":938.965,"end":939.285,"sentiment":"neutral","sentiment_score":0.10412636399269104}],"sentiment":"neutral","sentiment_score":0.04048691984886924,"num_words":72,"start":889.885,"end":939.285},{"sentences":[{"text":"So you haven't had any issues with, like, the service you have received so far?","start":939.285,"end":942.485,"sentiment":"neutral","sentiment_score":0.10494376222292583},{"text":"You just maybe haven't taken advantage of it as much as you want.","start":942.485,"end":945.545,"sentiment":"neutral","sentiment_score":-0.06250829306932595},{"text":"Yep.","start":950.18,"end":950.68,"sentiment":"neutral","sentiment_score":0.06801080703735352},{"text":"Yep.","start":955.54004,"end":956.02,"sentiment":"neutral","sentiment_score":0.04098178446292877},{"text":"Understandable.","start":956.02,"end":956.52,"sentiment":"neutral","sentiment_score":0.0028585419058799744}],"sentiment":"neutral","sentiment_score":0.02817418570480039,"num_words":31,"start":939.285,"end":956.52},{"sentences":[{"text":"Obviously, you're a bit busy having a new child as well.","start":956.9,"end":959.64,"sentiment":"neutral","sentiment_score":-0.21746800298040564},{"text":"So that can be, yeah, quite time consuming.","start":960.66003,"end":963.97504,"sentiment":"neutral","sentiment_score":-0.23650850169360638},{"text":"So understandable there.","start":964.03503,"end":965.655,"sentiment":"neutral","sentiment_score":-0.08188029378652573},{"text":"But in regards to borrowed money as well there, Jackie, would you ever put borrowed money into anything other than, like, property?","start":967.635,"end":975.67004,"sentiment":"neutral","sentiment_score":-0.1406839301979},{"text":"Like, would you ever put it into, like, a risky investment, so if you anything like that, or you'd solely only put borrowed money towards your your house?","start":975.73004,"end":982.71,"sentiment":"neutral","sentiment_score":-0.2009930687823466}],"sentiment":"neutral","sentiment_score":-0.18406540719378325,"num_words":72,"start":956.9,"end":982.71},{"sentences":[{"text":"No.","start":989.185,"end":989.425,"sentiment":"negative","sentiment_score":-0.3407505750656128},{"text":"No.","start":989.425,"end":989.665,"sentiment":"neutral","sentiment_score":-0.1494716852903366},{"text":"So in regards to, like, you've obviously taken out a loan for your property, and that's borrowed money from the bank.","start":989.665,"end":995.105,"sentiment":"neutral","sentiment_score":0.009439308063260146},{"text":"Would you ever, like, borrow from the bank to put it into, like, an other investment that wasn't your sole property or an investment property or anything else?","start":995.105,"end":1002.24,"sentiment":"neutral","sentiment_score":-0.0024090399300413473},{"text":"Yeah.","start":1005.36,"end":1005.68,"sentiment":"neutral","sentiment_score":-0.05133496597409248}],"sentiment":"neutral","sentiment_score":-0.00789970913543724,"num_words":52,"start":989.185,"end":1005.68},{"sentences":[{"text":"Just as, like, sort of, you know, hypothetically, if you did Yep.","start":1005.68,"end":1016.255,"sentiment":"neutral","sentiment_score":-0.0271479149038593},{"text":"Not a problem at all.","start":1016.255,"end":1017.875,"sentiment":"neutral","sentiment_score":0.189814755320549},{"text":"So currently, it does still leave you as a growth investor there, Jackie, which is what you currently align with that with that eighty twenty split in terms of, like, risk and taking on risk for return, which is still more than adequate.","start":1018.335,"end":1031.74,"sentiment":"neutral","sentiment_score":0.12442766259922537},{"text":"You know, it does seem like you're a little bit risk adverse in terms of, like, you know, your superannuation and it sort of dropping or not given those circumstances.","start":1031.7999,"end":1039.58,"sentiment":"neutral","sentiment_score":-0.23587642361720404},{"text":"Obviously, with it being a bit of a volatile, you're changing things then can be quite, you know, hit and miss in terms of, like, no one actually knows what the markets are gonna do.","start":1039.72,"end":1050.235,"sentiment":"neutral","sentiment_score":-0.2566632147346224}],"sentiment":"neutral","sentiment_score":-0.08068653547763824,"num_words":125,"start":1005.68,"end":1050.235},{"sentences":[{"text":"As I said, as a business decision, they are moving away from that that along managed fund.","start":1050.695,"end":1055.275,"sentiment":"neutral","sentiment_score":-0.26764175909407},{"text":"So with that, we can look to just replace that within a market index, which is basically you're not paying a a fund manager.","start":1055.655,"end":1059.235,"sentiment":"neutral","sentiment_score":-0.10351352688545983},{"text":"You're just following the index much like basically you're not paying a a fund manager.","start":1059.235,"end":1063.51,"sentiment":"neutral","sentiment_score":-0.05314060176412264},{"text":"You're just following the index much like the rest of your portfolio, but you don't have the chance to outperform the market, or we can look to replace it with an active portion, another managed fund, basically, to replace that Ben Long that hasn't been performing for you.","start":1063.51,"end":1076.145,"sentiment":"neutral","sentiment_score":-0.04106870726294195},{"text":"Within the Benelon.","start":1080.225,"end":1081.2051,"sentiment":"neutral","sentiment_score":0.009156304333979884}],"sentiment":"neutral","sentiment_score":-0.09135675338253588,"num_words":107,"start":1050.695,"end":1081.2051},{"sentences":[{"text":"So 10% is to that managed fund Benelon, which is that active component of that.","start":1087.345,"end":1092.53,"sentiment":"neutral","sentiment_score":0.06528327862421672},{"text":"The rest of your portfolio is, like, a ETFs across that, which is, like, the more passive index options, which are cheaper.","start":1093.0701,"end":1100.37,"sentiment":"neutral","sentiment_score":0.05509506589309736},{"text":"And also, obviously, the markets have been doing well as a whole.","start":1100.51,"end":1103.81,"sentiment":"positive","sentiment_score":0.3807669940094153},{"text":"So they've been performing quite well apart from the cyber side of things.","start":1104.165,"end":1107.385,"sentiment":"neutral","sentiment_score":0.26139860027111494},{"text":"Security, AI, and those sort of tech companies did take a little bit of a a downward spiral in January there.","start":1107.685,"end":1114.425,"sentiment":"neutral","sentiment_score":-0.14188882318280993}],"sentiment":"neutral","sentiment_score":0.08649471173264894,"num_words":83,"start":1087.345,"end":1114.425},{"sentences":[{"text":"But they do have high conviction that those will return, and they're still gonna play a major part moving forward.","start":1115.125,"end":1120.38,"sentiment":"positive","sentiment_score":0.6326887726783752},{"text":"Whereas the the managed fund been long hasn't done too great, and they are looking to remove that and change it for an alternative whether that's passive or not.","start":1120.38,"end":1129.4401,"sentiment":"neutral","sentiment_score":-0.2596836123487045},{"text":"Yeah.","start":1134.795,"end":1135.115,"sentiment":"neutral","sentiment_score":0.02174912393093109},{"text":"So you don't carry the manager risk.","start":1135.115,"end":1136.795,"sentiment":"neutral","sentiment_score":-0.05803569299834115},{"text":"You still have the same allocation to growth assets.","start":1136.795,"end":1138.875,"sentiment":"neutral","sentiment_score":0.06334621997343169}],"sentiment":"neutral","sentiment_score":0.08043281739634095,"num_words":66,"start":1115.125,"end":1138.875},{"sentences":[{"text":"So if you were to move away from active management, you still have, like, that eighty twenty sort of split in regards to, like, growth assets versus defensive.","start":1138.875,"end":1146.655,"sentiment":"neutral","sentiment_score":-0.06936772540211678},{"text":"A fund manager basically just tries to find value in the market, whether that's, you know, through, like, profit sharing, through, like, company share, holding of the the market, and, like, how they're performing as a whole, depending on what the fund manager looks for, to try and find companies that they believe are gonna perform better than what the indexes are doing.","start":1147.26,"end":1166.775,"sentiment":"neutral","sentiment_score":0.11101163326511307},{"text":"So you're paying for someone to try and make those bets where they get companies that are worth more or growing more.","start":1166.775,"end":1171.9149,"sentiment":"neutral","sentiment_score":0.17036070132797415},{"text":"Whereas the index just follows, like, you know, depends what index you're in across multitude of companies.","start":1172.2949,"end":1177.5399,"sentiment":"neutral","sentiment_score":-0.01702265679726706},{"text":"So, like, the S and P 500 is your top 500 companies in America.","start":1177.5399,"end":1181.0,"sentiment":"neutral","sentiment_score":0.020059404894709587}],"sentiment":"neutral","sentiment_score":0.06104735080993527,"num_words":144,"start":1138.875,"end":1181.0},{"sentences":[{"text":"And as companies grow and fall, they sort of fall in and out of that 500.","start":1181.2999,"end":1184.98,"sentiment":"neutral","sentiment_score":-0.0979229798540473},{"text":"You hold that top 500 in that investment.","start":1184.98,"end":1187.48,"sentiment":"neutral","sentiment_score":-0.0017532785423099992},{"text":"So it's fluid in the sense that if a company starts performing badly, they may fall out of that top 500, and you'll no longer hold that investment.","start":1187.86,"end":1194.255,"sentiment":"neutral","sentiment_score":-0.09685107139271817},{"text":"But it's less centralized, and there's no sort of real potential upside to outperform the markets because you're just following what the markets are doing, whereas the fund manager tries to actively beat those markets by picking and choosing winners, basically.","start":1194.795,"end":1209.46,"sentiment":"neutral","sentiment_score":-0.025819642696438765},{"text":"Now in regards to that, Jackie, would you still wanna keep an an active portion in that, or would you rather sort of just go the passive for the moment and then maybe review at a later date?","start":1216.32,"end":1226.665,"sentiment":"neutral","sentiment_score":0.10046899955915778}],"sentiment":"neutral","sentiment_score":-0.0117053990252316,"num_words":131,"start":1181.2999,"end":1226.665},{"sentences":[{"text":"Yeah.","start":1231.605,"end":1232.105,"sentiment":"neutral","sentiment_score":0.02898921445012093},{"text":"Yeah.","start":1232.645,"end":1233.145,"sentiment":"neutral","sentiment_score":0.037826620042324066},{"text":"Yeah.","start":1235.86,"end":1236.26,"sentiment":"neutral","sentiment_score":0.0759814977645874},{"text":"As I said, like, it didn't perform quite well the the past twelve months given what did occur at the November there.","start":1236.26,"end":1243.08,"sentiment":"neutral","sentiment_score":-0.02784091860733249},{"text":"But even then, it hasn't impacted your portfolio significantly to where it sort of had too much of a negative impact.","start":1243.46,"end":1249.4,"sentiment":"neutral","sentiment_score":-0.2643327588836352}],"sentiment":"neutral","sentiment_score":-0.13088458290566568,"num_words":46,"start":1231.605,"end":1249.4},{"sentences":[{"text":"So from that, obviously, you know, you can still look to have an active portion to try and have that little bit of, like, aggressive performance because even if it rises or falls, it doesn't hurt your portfolio by much.","start":1249.6549,"end":1261.6549,"sentiment":"neutral","sentiment_score":0.2392732722684741},{"text":"And if it does well, it obviously does better for your portfolio.","start":1261.6549,"end":1264.315,"sentiment":"positive","sentiment_score":0.4027142847577731},{"text":"Yep.","start":1268.49,"end":1268.89,"sentiment":"neutral","sentiment_score":0.1802958548069},{"text":"We'll just look to update that with an active portion there.","start":1268.89,"end":1272.03,"sentiment":"neutral","sentiment_score":0.1814595474438234},{"text":"Now in regards to the insurances there, Jackie, now I know you're currently on maternity leave.","start":1272.3301,"end":1279.0701,"sentiment":"neutral","sentiment_score":0.0289863720536232}],"sentiment":"neutral","sentiment_score":0.21304543921723962,"num_words":80,"start":1249.6549,"end":1279.0701},{"sentences":[{"text":"Did you plan on returning to work shortly?","start":1279.13,"end":1283.315,"sentiment":"neutral","sentiment_score":0.018833733163774014},{"text":"How long do you think you sort of stay on maternity leave before you return?","start":1283.315,"end":1287.015,"sentiment":"neutral","sentiment_score":0.0017980551347136497},{"text":"In November, was it?","start":1291.5549,"end":1292.595,"sentiment":"neutral","sentiment_score":0.006249036639928818},{"text":"Sorry.","start":1292.595,"end":1293.095,"sentiment":"neutral","sentiment_score":-0.037737537175416946},{"text":"Yep.","start":1304.25,"end":1304.75,"sentiment":"neutral","sentiment_score":0.06696583330631256}],"sentiment":"neutral","sentiment_score":0.007995349483500266,"num_words":29,"start":1279.13,"end":1304.75},{"sentences":[{"text":"Yep.","start":1304.89,"end":1305.225,"sentiment":"neutral","sentiment_score":0.06911077350378036},{"text":"So you'll still be at home caring for your child for probably another sort of six or so months?","start":1305.465,"end":1310.765,"sentiment":"neutral","sentiment_score":0.048858139271798884},{"text":"Yep.","start":1313.225,"end":1313.725,"sentiment":"neutral","sentiment_score":0.028657054528594017},{"text":"Because with that, were you a part time worker or casual when you left your employment?","start":1314.025,"end":1319.325,"sentiment":"neutral","sentiment_score":0.004804229072760791},{"text":"Part time.","start":1320.01,"end":1320.83,"sentiment":"neutral","sentiment_score":0.01756905112415552}],"sentiment":"neutral","sentiment_score":0.02918149337459069,"num_words":39,"start":1304.89,"end":1320.83},{"sentences":[{"text":"Yep.","start":1321.69,"end":1322.19,"sentiment":"neutral","sentiment_score":0.13202565908432007},{"text":"Perfect.","start":1323.0499,"end":1323.5499,"sentiment":"positive","sentiment_score":0.33369022607803345},{"text":"So with that there, we can obviously look to review that currently.","start":1323.9299,"end":1328.27,"sentiment":"neutral","sentiment_score":0.13975095624725023},{"text":"But given you are on maternity leave, when rewriting the policy, some may rate you just a little bit worse off given that you are stay at home mother currently, and, obviously, you're still returning to work.","start":1328.57,"end":1340.575,"sentiment":"neutral","sentiment_score":-0.12727360135397395},{"text":"You still have that job there that can you can go back to.","start":1340.575,"end":1344.755,"sentiment":"neutral","sentiment_score":0.049670329747291714}],"sentiment":"neutral","sentiment_score":-0.03001065005082637,"num_words":64,"start":1321.69,"end":1344.755},{"sentences":[{"text":"So it's definitely an option to review.","start":1344.895,"end":1346.755,"sentiment":"neutral","sentiment_score":0.25122279141630444},{"text":"The other option there is I know you wanted to increase your cover as well as sort of review it as a whole.","start":1347.135,"end":1351.41,"sentiment":"neutral","sentiment_score":0.14764239023561063},{"text":"So another option there as well, your policy does renew around July, and you can when having children and things like that.","start":1351.41,"end":1359.41,"sentiment":"neutral","sentiment_score":0.11849812384356152},{"text":"It's called, like, a life event, and you can do, like, a free increase through your your insurer without having to go through underwriting up to 25% or 200,000 depending on what the lower amount is, which given your policy would be the 200,000.","start":1359.41,"end":1374.195,"sentiment":"neutral","sentiment_score":0.150323150171475},{"text":"So you could look to increase your life by 200,000 without underwriting.","start":1374.495,"end":1378.22,"sentiment":"neutral","sentiment_score":0.22171866024533907}],"sentiment":"neutral","sentiment_score":0.15774199787389348,"num_words":108,"start":1344.895,"end":1378.22},{"sentences":[{"text":"The other alternative is to go back to the market and then see how they'll assess you, and we'll have to just sort of do a quick pre assessment questionnaire just to make sure that nothing's changed into your original policy.","start":1378.28,"end":1391.74,"sentiment":"neutral","sentiment_score":0.058709322906485416},{"text":"Because I know you're concerned a little bit with the price as well.","start":1391.975,"end":1394.715,"sentiment":"neutral","sentiment_score":-0.11708285946112412},{"text":"Now you definitely can so at the moment, you pay around 2,400 as an annual premium to insurances, and I'll just see if that's before or after the the rebate.","start":1395.015,"end":1413.35,"sentiment":"neutral","sentiment_score":-0.11401018810768922},{"text":"Let me just check.","start":1413.35,"end":1414.41,"sentiment":"neutral","sentiment_score":-0.06596076022833586},{"text":"Yes.","start":1420.405,"end":1420.565,"sentiment":"neutral","sentiment_score":0.0764782577753067}],"sentiment":"neutral","sentiment_score":-0.030591745620195784,"num_words":89,"start":1378.28,"end":1420.565},{"sentences":[{"text":"So with that one, in regards to going back to market, given the age of policy, you definitely can go and have a look to see what that may look like in terms of what you're paying currently versus what the market's willing to offer.","start":1420.565,"end":1437.1799,"sentiment":"neutral","sentiment_score":0.049301804446925716},{"text":"So you do get a 15% rebate inside superannuation.","start":1437.1799,"end":1440.0,"sentiment":"neutral","sentiment_score":0.1877522865931193},{"text":"So you're currently paying around 2,000, which obviously goes up a little bit each year for the 800,000 of life PPD and the income protection portion.","start":1440.38,"end":1449.345,"sentiment":"neutral","sentiment_score":0.09645398133076154},{"text":"Now the only thing we're going back to market there is if anything's changed in regards to your health, like a pregnancy is not an issue, but anything health wise that has occurred in the last sort of four to five years that isn't originally an exclusion on your current policy may end up being an exclusion on your policy if your health has changed, if that makes sense.","start":1449.805,"end":1470.2999,"sentiment":"neutral","sentiment_score":-0.21352632138608157},{"text":"Yep.","start":1473.3999,"end":1473.8999,"sentiment":"neutral","sentiment_score":0.05186910182237625}],"sentiment":"neutral","sentiment_score":-0.05510194519845148,"num_words":150,"start":1420.565,"end":1473.8999},{"sentences":[{"text":"All still largely unchanged.","start":1474.215,"end":1475.9149,"sentiment":"neutral","sentiment_score":0.13994215056300163},{"text":"Perfect.","start":1475.975,"end":1476.475,"sentiment":"positive","sentiment_score":0.46052849292755127},{"text":"And would you have time to complete a bit of a pre assessment questionnaire just in regards to your occupation that it was and a little bit about your health, family history, and that at the moment?","start":1477.815,"end":1488.24,"sentiment":"neutral","sentiment_score":0.11473211716558482},{"text":"Yep.","start":1489.76,"end":1490.08,"sentiment":"neutral","sentiment_score":0.09759436547756196},{"text":"Perfect.","start":1490.08,"end":1490.58,"sentiment":"neutral","sentiment_score":0.3052297532558441}],"sentiment":"neutral","sentiment_score":0.1288229442963546,"num_words":44,"start":1474.215,"end":1490.58},{"sentences":[{"text":"Bear with me.","start":1492.5599,"end":1493.36,"sentiment":"neutral","sentiment_score":0.08041824648777644},{"text":"I'll just bring it up.","start":1493.36,"end":1494.74,"sentiment":"neutral","sentiment_score":-0.004278277792036533},{"text":"Let me check.","start":1506.175,"end":1507.075,"sentiment":"neutral","sentiment_score":0.0032273875549435616},{"text":"You were working as a registered nurse.","start":1507.535,"end":1509.375,"sentiment":"neutral","sentiment_score":0.0029929770555879387},{"text":"Is that correct?","start":1509.375,"end":1510.195,"sentiment":"neutral","sentiment_score":0.01573160756379366}],"sentiment":"neutral","sentiment_score":0.014175770249927328,"num_words":21,"start":1492.5599,"end":1510.195},{"sentences":[{"text":"Yep.","start":1511.375,"end":1511.695,"sentiment":"neutral","sentiment_score":0.014685675501823424},{"text":"And how long have you been doing that specific role?","start":1511.695,"end":1514.595,"sentiment":"neutral","sentiment_score":-0.0004983538761734963},{"text":"Sorry.","start":1520.1399,"end":1520.46,"sentiment":"neutral","sentiment_score":-0.06149332597851753},{"text":"Cut out just a little bit.","start":1520.46,"end":1521.6599,"sentiment":"neutral","sentiment_score":-0.04659487741688887},{"text":"What was that?","start":1521.6599,"end":1522.5599,"sentiment":"neutral","sentiment_score":-0.02564938614765803}],"sentiment":"neutral","sentiment_score":-0.019443267246796972,"num_words":21,"start":1511.375,"end":1522.5599},{"sentences":[{"text":"So four years current role and then maybe twelve years industry?","start":1529.705,"end":1534.0449,"sentiment":"neutral","sentiment_score":0.0009203553199768066},{"text":"Put it.","start":1538.905,"end":1539.63,"sentiment":"neutral","sentiment_score":0.014287494122982025},{"text":"And then four years in your current role?","start":1540.11,"end":1542.37,"sentiment":"neutral","sentiment_score":0.002512994746211916},{"text":"Perfect.","start":1547.55,"end":1548.05,"sentiment":"positive","sentiment_score":0.48070627450942993},{"text":"And was your annual income around the 72,000 as a part time worker?","start":1549.15,"end":1553.17,"sentiment":"neutral","sentiment_score":0.16909292340278625}],"sentiment":"neutral","sentiment_score":0.07822048952803015,"num_words":35,"start":1529.705,"end":1553.17},{"sentences":[{"text":"Yep.","start":1555.075,"end":1555.395,"sentiment":"neutral","sentiment_score":0.06871543824672699},{"text":"And you're doing around sixty four hours of fortnight?","start":1555.395,"end":1557.895,"sentiment":"neutral","sentiment_score":0.045585373830464154},{"text":"Yep.","start":1563.635,"end":1564.035,"sentiment":"neutral","sentiment_score":0.045142702758312225},{"text":"And then with that one, would you be returning to part time work when you went back, or would you be doing, like, casual work?","start":1564.035,"end":1571.27,"sentiment":"neutral","sentiment_score":0.018425701186060905},{"text":"Or Yep.","start":1571.27,"end":1576.01,"sentiment":"neutral","sentiment_score":0.046718561090528965}],"sentiment":"neutral","sentiment_score":0.028373846245047293,"num_words":38,"start":1555.075,"end":1576.01},{"sentences":[{"text":"And then with that, you've just got your bachelor of nursing in relation to that degree.","start":1576.47,"end":1580.3099,"sentiment":"neutral","sentiment_score":0.06811521481722593},{"text":"Do you have any other qualifications?","start":1580.3099,"end":1581.53,"sentiment":"neutral","sentiment_score":0.02256811565409104},{"text":"Perfect.","start":1588.575,"end":1589.075,"sentiment":"neutral","sentiment_score":0.2827676236629486},{"text":"And you've never declared bankruptcy or entered a part nine debt agreement at all there.","start":1589.5349,"end":1592.815,"sentiment":"neutral","sentiment_score":0.0021620288491249083},{"text":"Have you checked it?","start":1592.815,"end":1593.955,"sentiment":"neutral","sentiment_score":0.0009316317737102509}],"sentiment":"neutral","sentiment_score":0.03676611224987677,"num_words":42,"start":1576.47,"end":1593.955},{"sentences":[{"text":"Yeah.","start":1595.79,"end":1596.11,"sentiment":"neutral","sentiment_score":0.05813208222389221},{"text":"Okay.","start":1596.11,"end":1596.27,"sentiment":"neutral","sentiment_score":0.2882835566997528},{"text":"Brilliant.","start":1596.27,"end":1596.77,"sentiment":"positive","sentiment_score":0.4793310463428498},{"text":"And then in regards to your manual duties that you do there, what ward are you in?","start":1598.4299,"end":1603.39,"sentiment":"neutral","sentiment_score":0.057286769535173386},{"text":"Are you sort of lifting patients or doing anything physical in regards to your role?","start":1603.39,"end":1607.3099,"sentiment":"neutral","sentiment_score":0.00537678636610508}],"sentiment":"neutral","sentiment_score":0.05372210179588625,"num_words":35,"start":1595.79,"end":1607.3099},{"sentences":[{"text":"Like, manual duties?","start":1607.3099,"end":1611.5651,"sentiment":"neutral","sentiment_score":-0.017726519765953224},{"text":"Like, what ward are you on?","start":1611.5651,"end":1613.005,"sentiment":"neutral","sentiment_score":-0.0008511105552315712},{"text":"Are you sort of assisting with helping patients, lifting patients?","start":1613.005,"end":1616.2251,"sentiment":"neutral","sentiment_score":0.0034990373067557813},{"text":"Yep.","start":1620.62,"end":1620.86,"sentiment":"neutral","sentiment_score":0.033870454877614975},{"text":"And then with that, do you do many manual lifting duties or anything like that?","start":1620.86,"end":1625.0399,"sentiment":"neutral","sentiment_score":0.00850192562987407}],"sentiment":"neutral","sentiment_score":0.003945813993258136,"num_words":35,"start":1607.3099,"end":1625.0399},{"sentences":[{"text":"Yep.","start":1631.0199,"end":1631.2599,"sentiment":"neutral","sentiment_score":0.061835259199142456},{"text":"And what does that sort of entail, if you don't mind me asking, Jackie?","start":1631.2599,"end":1634.1599,"sentiment":"neutral","sentiment_score":0.03472215150083814},{"text":"So you're only ever really sort of rolling them between, like, the lifts and harnesses?","start":1644.205,"end":1649.345,"sentiment":"neutral","sentiment_score":0.01296384446322918},{"text":"Yep.","start":1663.195,"end":1663.695,"sentiment":"neutral","sentiment_score":0.07731831073760986},{"text":"And then do you travel at all for your work between, like, different places, or you're just at the one?","start":1665.4349,"end":1671.7749,"sentiment":"neutral","sentiment_score":0.02972810375504196}],"sentiment":"neutral","sentiment_score":0.027731047705838494,"num_words":51,"start":1631.0199,"end":1671.7749},{"sentences":[{"text":"Yep.","start":1674.8099,"end":1675.3099,"sentiment":"neutral","sentiment_score":0.020688023418188095},{"text":"And are you handling any hazardous materials apart from sort of medication?","start":1675.69,"end":1679.61,"sentiment":"neutral","sentiment_score":-0.06698744945848982},{"text":"Do you hand like, you're handling needles and yep.","start":1679.61,"end":1684.57,"sentiment":"neutral","sentiment_score":-0.04136148033042749},{"text":"Any anything to do with radiation or anything like that?","start":1684.57,"end":1687.71,"sentiment":"neutral","sentiment_score":-0.09848886132240295},{"text":"Sorry.","start":1697.355,"end":1697.515,"sentiment":"neutral","sentiment_score":-0.11427566409111024}],"sentiment":"neutral","sentiment_score":-0.06832057485977809,"num_words":33,"start":1674.8099,"end":1697.515},{"sentences":[{"text":"I cut out a little bit.","start":1697.515,"end":1698.395,"sentiment":"neutral","sentiment_score":-0.11059299483895302},{"text":"What was that?","start":1698.395,"end":1698.875,"sentiment":"neutral","sentiment_score":-0.059979602694511414},{"text":"Sorry.","start":1698.875,"end":1699.375,"sentiment":"neutral","sentiment_score":-0.060971759259700775},{"text":"Oh, cannula.","start":1702.49,"end":1703.15,"sentiment":"neutral","sentiment_score":-0.020891149062663317},{"text":"Yeah.","start":1703.21,"end":1703.53,"sentiment":"neutral","sentiment_score":-0.010503691621124744}],"sentiment":"neutral","sentiment_score":-0.07359650200949265,"num_words":13,"start":1697.515,"end":1703.53},{"sentences":[{"text":"Sorry.","start":1703.53,"end":1704.03,"sentiment":"neutral","sentiment_score":-0.015293417498469353},{"text":"Yep.","start":1707.21,"end":1707.71,"sentiment":"neutral","sentiment_score":0.017449017614126205},{"text":"And do you intend to change your employment within the next twelve months of, like, returning or anything like that?","start":1707.77,"end":1713.125,"sentiment":"neutral","sentiment_score":-0.02341736014932394},{"text":"Yep.","start":1715.905,"end":1716.225,"sentiment":"neutral","sentiment_score":-0.03826437145471573},{"text":"And you don't have a second job at all?","start":1716.225,"end":1718.325,"sentiment":"neutral","sentiment_score":-0.125244269768397}],"sentiment":"neutral","sentiment_score":-0.05098920007003471,"num_words":32,"start":1703.53,"end":1718.325},{"sentences":[{"text":"Yep.","start":1720.785,"end":1721.285,"sentiment":"neutral","sentiment_score":0.016468387097120285},{"text":"Yep.","start":1722.225,"end":1722.625,"sentiment":"neutral","sentiment_score":0.02483059838414192},{"text":"And do you intend to travel or live overseas in the next sort of twelve months or longer?","start":1722.625,"end":1727.845,"sentiment":"neutral","sentiment_score":0.0014978633779618475},{"text":"So you maybe go on a trip sort of in the future?","start":1733.2201,"end":1735.7201,"sentiment":"neutral","sentiment_score":-0.011262541947265467},{"text":"Yep.","start":1737.8601,"end":1738.3601,"sentiment":"neutral","sentiment_score":0.13631755113601685}],"sentiment":"neutral","sentiment_score":0.0021038658804062643,"num_words":33,"start":1720.785,"end":1738.3601},{"sentences":[{"text":"Perfect.","start":1740.355,"end":1740.755,"sentiment":"positive","sentiment_score":0.4976428151130676},{"text":"And then do you participate in any sports or pastimes or any hobbies?","start":1740.755,"end":1744.195,"sentiment":"neutral","sentiment_score":0.16585088521242142},{"text":"Obviously, with the trial, that's probably a little bit on the back burner, but do you have any sports that you play or anything like that in your free time?","start":1744.195,"end":1750.5349,"sentiment":"neutral","sentiment_score":0.03808369040489197},{"text":"Yep.","start":1754.61,"end":1755.11,"sentiment":"neutral","sentiment_score":0.0018607558449730277},{"text":"And do you smoke at all at the moment there?","start":1755.8099,"end":1759.0299,"sentiment":"neutral","sentiment_score":-0.06270109321922064}],"sentiment":"neutral","sentiment_score":0.05765572470316494,"num_words":55,"start":1740.355,"end":1759.0299},{"sentences":[{"text":"Okay.","start":1759.97,"end":1760.47,"sentiment":"neutral","sentiment_score":-0.032752253115177155},{"text":"And do you or have you sort of used illicit substances in the last sort of five to ten years?","start":1761.57,"end":1767.015,"sentiment":"neutral","sentiment_score":-0.07218787521123886},{"text":"Brilliant.","start":1768.855,"end":1769.355,"sentiment":"neutral","sentiment_score":0.036607902497053146},{"text":"And currently, at the moment, I have your height and weight around one seventy and seventy.","start":1770.455,"end":1775.335,"sentiment":"neutral","sentiment_score":-0.06343722064048052},{"text":"Obviously, having a child so recently, that's maybe changed a little bit.","start":1775.335,"end":1778.955,"sentiment":"neutral","sentiment_score":-0.05889007945855459}],"sentiment":"neutral","sentiment_score":-0.0632315667718649,"num_words":50,"start":1759.97,"end":1778.955},{"sentences":[{"text":"Is that sort of roughly the same?","start":1779.015,"end":1780.535,"sentiment":"neutral","sentiment_score":-0.04029253737202713},{"text":"Or One seventy nine is what I've got.","start":1780.535,"end":1787.36,"sentiment":"neutral","sentiment_score":-0.022080682683736086},{"text":"January?","start":1791.66,"end":1792.46,"sentiment":"neutral","sentiment_score":-0.007294366601854563},{"text":"Okay.","start":1792.46,"end":1792.62,"sentiment":"neutral","sentiment_score":-0.005577749572694302},{"text":"That was probably just a typo there.","start":1792.62,"end":1794.315,"sentiment":"neutral","sentiment_score":-0.12234943679400853}],"sentiment":"neutral","sentiment_score":-0.05533380820027863,"num_words":24,"start":1779.015,"end":1794.315},{"sentences":[{"text":"And then as far as your wife, do you know roughly what you're weighing at the moment, Jackie?","start":1795.835,"end":1799.2749,"sentiment":"neutral","sentiment_score":-0.021659768289989896},{"text":"I know it's quite personal question, but it's just seventy six?","start":1799.2749,"end":1807.375,"sentiment":"neutral","sentiment_score":-0.04477734203365716},{"text":"And then, obviously, the the weight loss was just in regards to having a child.","start":1811.58,"end":1816.54,"sentiment":"neutral","sentiment_score":-0.029440497606992723},{"text":"You obviously weighed a little bit more back in October having a baby inside you?","start":1816.54,"end":1820.145,"sentiment":"neutral","sentiment_score":-0.037253975744048755},{"text":"Yeah.","start":1821.425,"end":1821.925,"sentiment":"neutral","sentiment_score":0.05738171935081482}],"sentiment":"neutral","sentiment_score":-0.030424366208414235,"num_words":60,"start":1795.835,"end":1821.925},{"sentences":[{"text":"And do you drink at the moment, Jackie, in terms of, like, standard drink no drinking?","start":1822.9451,"end":1827.285,"sentiment":"neutral","sentiment_score":0.0010160452802665532},{"text":"Perfect.","start":1830.225,"end":1830.725,"sentiment":"neutral","sentiment_score":0.2373838573694229},{"text":"Now these are just going to be a few medical questions just in regards to family.","start":1831.505,"end":1836.22,"sentiment":"neutral","sentiment_score":0.03309039236046374},{"text":"So this is related to specifically, like, mothers, brothers, sisters, you know, like your parents, siblings, not sort of aunties, uncles.","start":1836.22,"end":1844.98,"sentiment":"neutral","sentiment_score":-0.01034454522388322},{"text":"So I'll just rattle off these questions.","start":1844.98,"end":1846.4199,"sentiment":"neutral","sentiment_score":-0.001055153552442789}],"sentiment":"neutral","sentiment_score":0.009155169427089516,"num_words":61,"start":1822.9451,"end":1846.4199},{"sentences":[{"text":"Just feel free to stop me if anything sort of pops up that you have a family history or know of.","start":1846.4199,"end":1850.715,"sentiment":"neutral","sentiment_score":-0.05303573111693064},{"text":"But any family history of heart attacks, heart attacks, or heart disease, sorry, or strokes?","start":1851.275,"end":1855.375,"sentiment":"neutral","sentiment_score":-0.06825257440408071},{"text":"Yep.","start":1857.275,"end":1857.595,"sentiment":"neutral","sentiment_score":-0.042278628796339035},{"text":"Any multiple sclerosis, Parkinson's disease, or Alzheimer's in the family?","start":1857.595,"end":1860.735,"sentiment":"neutral","sentiment_score":-0.06083308793604374},{"text":"Motor sorry.","start":1861.835,"end":1863.275,"sentiment":"neutral","sentiment_score":-0.07227048650383949}],"sentiment":"neutral","sentiment_score":-0.059850805115943054,"num_words":49,"start":1846.4199,"end":1863.275},{"sentences":[{"text":"Muscular dystrophy, Huntington's, or motor neurone disease?","start":1863.275,"end":1865.855,"sentiment":"neutral","sentiment_score":-0.06649958076221603},{"text":"Any sort of history of bowel cancers, melanomas, anything like that?","start":1867.5801,"end":1870.7201,"sentiment":"neutral","sentiment_score":-0.10426998748020692},{"text":"Polycystic kidney disease, breast ovarian cancers, or any mental health conditions?","start":1871.8201,"end":1876.16,"sentiment":"neutral","sentiment_score":-0.08950625698674809},{"text":"Yep.","start":1877.7401,"end":1878.2401,"sentiment":"neutral","sentiment_score":-0.059276409447193146},{"text":"Any history of cardiomyopathy or any diabetes or anything like that?","start":1878.3,"end":1881.765,"sentiment":"neutral","sentiment_score":-0.1133525080301545}],"sentiment":"neutral","sentiment_score":-0.09519975005490024,"num_words":41,"start":1863.275,"end":1881.765},{"sentences":[{"text":"Yeah.","start":1888.965,"end":1889.4451,"sentiment":"neutral","sentiment_score":-0.02952497825026512},{"text":"And is that being cleared up now now that you've had the the chart, or is that still ongoing that you're being treated for?","start":1889.4451,"end":1894.44,"sentiment":"neutral","sentiment_score":-0.05438419307271639},{"text":"Yep.","start":1903.7999,"end":1904.2,"sentiment":"neutral","sentiment_score":0.031021874397993088},{"text":"And when was the date of that diagnosis that they've sort of realized that you had testational diabetes?","start":1904.2,"end":1909.2599,"sentiment":"neutral","sentiment_score":-0.03685452747676107},{"text":"Yep.","start":1915.855,"end":1916.355,"sentiment":"neutral","sentiment_score":0.0033417847007513046}],"sentiment":"neutral","sentiment_score":-0.04363918772174252,"num_words":45,"start":1888.965,"end":1916.355},{"sentences":[{"text":"And then with that, was that just during one of your checkups that they found that out with your blood test and things like that?","start":1923.39,"end":1929.09,"sentiment":"neutral","sentiment_score":-0.05917177058756352},{"text":"Okay.","start":1934.765,"end":1935.085,"sentiment":"neutral","sentiment_score":-0.026196956634521484},{"text":"Did you have symptoms that made you do a check?","start":1935.085,"end":1937.725,"sentiment":"neutral","sentiment_score":-0.10018735751509666},{"text":"Or Okay.","start":1937.725,"end":1949.26,"sentiment":"neutral","sentiment_score":-0.020815812051296234},{"text":"Yeah.","start":1949.26,"end":1949.58,"sentiment":"neutral","sentiment_score":0.06109760329127312}],"sentiment":"neutral","sentiment_score":-0.06379227736630501,"num_words":39,"start":1923.39,"end":1949.58},{"sentences":[{"text":"So you weren't really having any symptoms just being in the medical field.","start":1949.58,"end":1952.38,"sentiment":"neutral","sentiment_score":0.019595687205974873},{"text":"You decide to, you know, be proactive?","start":1952.38,"end":1954.48,"sentiment":"neutral","sentiment_score":0.1120634132197925},{"text":"Yep.","start":1955.26,"end":1955.66,"sentiment":"neutral","sentiment_score":0.1105477660894394},{"text":"No problem.","start":1955.66,"end":1956.3,"sentiment":"neutral","sentiment_score":0.14434166252613068},{"text":"And when was the last time that you took insulin for that one?","start":1956.3,"end":1960.155,"sentiment":"neutral","sentiment_score":0.03181362452988441}],"sentiment":"neutral","sentiment_score":0.051444334340178303,"num_words":36,"start":1949.58,"end":1960.155},{"sentences":[{"text":"Yeah.","start":1962.235,"end":1962.475,"sentiment":"neutral","sentiment_score":0.02966144308447838},{"text":"When was the last time you had a dose of insulin for that condition?","start":1962.475,"end":1965.535,"sentiment":"neutral","sentiment_score":0.011576289044959205},{"text":"Yep.","start":1982.5701,"end":1982.7301,"sentiment":"neutral","sentiment_score":0.07652473449707031},{"text":"And when was the the first time you sort of started taking the insulin because of that?","start":1982.7301,"end":1987.29,"sentiment":"neutral","sentiment_score":0.011399094837115091},{"text":"Was sort of around May as well?","start":1987.29,"end":1992.635,"sentiment":"neutral","sentiment_score":-0.0021715882633413586}],"sentiment":"neutral","sentiment_score":0.011170942964963616,"num_words":40,"start":1962.235,"end":1992.635},{"sentences":[{"text":"When was the first was around May when you first started taking the insulin for that?","start":1992.7749,"end":1997.595,"sentiment":"neutral","sentiment_score":-0.008181559504009783},{"text":"Yep.","start":1999.83,"end":2000.33,"sentiment":"neutral","sentiment_score":0.034605368971824646},{"text":"And then how often did you have to take the insulin as a result of that?","start":2000.39,"end":2004.57,"sentiment":"neutral","sentiment_score":-0.004378362558782101},{"text":"Yep.","start":2012.325,"end":2012.825,"sentiment":"neutral","sentiment_score":0.04954511672258377},{"text":"And you said you've just got to get a full, like, a a checkup that you've made a full recovery otherwise to make sure that it's fine?","start":2014.405,"end":2022.105,"sentiment":"neutral","sentiment_score":0.034661705709166}],"sentiment":"neutral","sentiment_score":0.013427176833397052,"num_words":61,"start":1992.7749,"end":2022.105},{"sentences":[{"text":"Yep.","start":2028.1,"end":2028.6,"sentiment":"neutral","sentiment_score":-0.009661922231316566},{"text":"Yes.","start":2032.18,"end":2032.68,"sentiment":"neutral","sentiment_score":-0.038672175258398056},{"text":"Yeah.","start":2036.1951,"end":2036.515,"sentiment":"neutral","sentiment_score":0.022671490907669067},{"text":"Okay.","start":2036.515,"end":2036.995,"sentiment":"neutral","sentiment_score":0.043456047773361206},{"text":"No problem.","start":2036.995,"end":2037.735,"sentiment":"neutral","sentiment_score":0.08644295111298561}],"sentiment":"neutral","sentiment_score":0.03177989056954781,"num_words":6,"start":2028.1,"end":2037.735},{"sentences":[{"text":"Do you plan on doing that sort of soon?","start":2038.595,"end":2040.755,"sentiment":"neutral","sentiment_score":0.005309857014152739},{"text":"Because, generally, when that you have to go check up or, like, intend to go see a medical professional for any reason, you they wanna hold off just to see what the results of that are.","start":2040.755,"end":2052.3699,"sentiment":"neutral","sentiment_score":-0.12542035430669785},{"text":"So do you plan on doing that sort of shortly?","start":2052.75,"end":2054.8499,"sentiment":"neutral","sentiment_score":-0.027011317759752275},{"text":"Yep.","start":2060.19,"end":2060.5098,"sentiment":"neutral","sentiment_score":0.015805859118700027},{"text":"Do you reckon you'll do that sort of in this month?","start":2060.5098,"end":2062.5098,"sentiment":"neutral","sentiment_score":0.05332487990910357}],"sentiment":"neutral","sentiment_score":-0.061717577334215394,"num_words":67,"start":2038.595,"end":2062.5098},{"sentences":[{"text":"Or yep.","start":2062.5098,"end":2072.7751,"sentiment":"neutral","sentiment_score":0.008406383916735649},{"text":"Because with that, we just may have to wait until you sort of get cleared by the doctors themselves.","start":2072.7751,"end":2077.58,"sentiment":"neutral","sentiment_score":-0.267720490694046},{"text":"Obviously, you know, being in the medical profession, you probably understand that, like, you know, just as some diabetes generally does sort of fall off once you have your your child.","start":2077.8,"end":2085.74,"sentiment":"neutral","sentiment_score":-0.16645388305187225},{"text":"And then with that, you just not need the the doctors all clear from that checkup just because they wanna see if anything else comes from that checkup as well, if that makes sense.","start":2085.8,"end":2095.155,"sentiment":"neutral","sentiment_score":-0.1876140918363543},{"text":"Just with anything, even if you were just going for a standard health check for, like, medical fee, you know, just for your yearly check, they'd normally sort of hold off on offering sort of terms for cover just in case anything came from the checkup you were going to see, if that makes sense.","start":2097.455,"end":2111.5298,"sentiment":"neutral","sentiment_score":-0.14919227395545354}],"sentiment":"neutral","sentiment_score":-0.1759886604251591,"num_words":141,"start":2062.5098,"end":2111.5298},{"sentences":[{"text":"So we might just have to we'll still sort of do it anyway.","start":2114.0698,"end":2117.93,"sentiment":"neutral","sentiment_score":0.013170186860057024},{"text":"And then from that, we'll basically just wait until you've had you to.","start":2117.99,"end":2121.585,"sentiment":"neutral","sentiment_score":-0.008372374452077426},{"text":"The gestational diabetes doesn't make much of a difference.","start":2126.385,"end":2129.185,"sentiment":"neutral","sentiment_score":-0.2192002816332711},{"text":"No.","start":2129.185,"end":2129.425,"sentiment":"neutral","sentiment_score":-0.1840987205505371},{"text":"But if you were to sort of get diagnosed ongoing with continuous, like, diabetes, like, type one, then or two, then that can affect in terms of, like, exclusions and loading, which is something we have been mindful of.","start":2129.425,"end":2144.3,"sentiment":"neutral","sentiment_score":-0.17619466609679735}],"sentiment":"neutral","sentiment_score":-0.11954828895628453,"num_words":75,"start":2114.0698,"end":2144.3},{"sentences":[{"text":"Obviously, gestational diabetes is something that's due to pregnancy.","start":2144.3,"end":2146.96,"sentiment":"neutral","sentiment_score":-0.2331547869576348},{"text":"So if you do get the all clear from the doctor, it should be fine.","start":2147.02,"end":2149.9202,"sentiment":"neutral","sentiment_score":-0.02587455213069916},{"text":"As far as, like, anything else that comes up from that, even if you weren't going in there for any specific reason, you were just going for a doctor's checkup, the insurers would likely wait until you've had that checkup before they were willing to offer terms just in case something did come up from that if that makes sense.","start":2150.86,"end":2167.82,"sentiment":"neutral","sentiment_score":-0.12789210621267558},{"text":"Yeah.","start":2169.48,"end":2169.98,"sentiment":"neutral","sentiment_score":0.17086347937583923},{"text":"But that's fine.","start":2171.4001,"end":2172.04,"sentiment":"neutral","sentiment_score":0.26910005509853363}],"sentiment":"neutral","sentiment_score":-0.10433947832577607,"num_words":88,"start":2144.3,"end":2172.04},{"sentences":[{"text":"We'll still sort of start the process and continue with that one.","start":2172.04,"end":2174.52,"sentiment":"neutral","sentiment_score":0.27556821548690397},{"text":"And then from there, we can obviously look the the options depending on when you do actually go get your your checkup done.","start":2174.52,"end":2182.215,"sentiment":"neutral","sentiment_score":0.032805132639148964},{"text":"But any other family history that you can think of in regards to, like, your mother's brothers, sisters, anything like that?","start":2183.8152,"end":2190.3152,"sentiment":"neutral","sentiment_score":-0.004028375083137126},{"text":"She does have diabetes?","start":2195.27,"end":2196.49,"sentiment":"neutral","sentiment_score":-0.05256013013422489},{"text":"Yep.","start":2198.31,"end":2198.55,"sentiment":"neutral","sentiment_score":-0.010800017975270748}],"sentiment":"neutral","sentiment_score":0.06156885608664302,"num_words":61,"start":2172.04,"end":2198.55},{"sentences":[{"text":"And is that type one or two?","start":2198.55,"end":2200.25,"sentiment":"neutral","sentiment_score":-0.021963928693107197},{"text":"Yep.","start":2208.0051,"end":2208.3252,"sentiment":"neutral","sentiment_score":0.0034726017620414495},{"text":"And then when was she diagnosed with that?","start":2208.3252,"end":2210.905,"sentiment":"neutral","sentiment_score":-0.010223917313851416},{"text":"Two years ago?","start":2218.165,"end":2218.885,"sentiment":"neutral","sentiment_score":-0.0057129161432385445},{"text":"And do you know how old she was roughly when that was diagnosed?","start":2218.885,"end":2221.8652,"sentiment":"neutral","sentiment_score":-0.014684692956507206}],"sentiment":"neutral","sentiment_score":-0.013753312327025924,"num_words":32,"start":2198.55,"end":2221.8652},{"sentences":[{"text":"And so I just did a typo that did you say it was type one diabetes?","start":2243.825,"end":2247.125,"sentiment":"neutral","sentiment_score":-0.05889387638308108},{"text":"Oh, two.","start":2248.41,"end":2248.89,"sentiment":"neutral","sentiment_score":-0.03316313214600086},{"text":"Sorry.","start":2248.89,"end":2249.39,"sentiment":"neutral","sentiment_score":-0.08779025077819824},{"text":"Sorry.","start":2251.05,"end":2251.3699,"sentiment":"neutral","sentiment_score":-0.12291420251131058},{"text":"My workbook just played up on me there for a little bit.","start":2251.3699,"end":2253.8699,"sentiment":"neutral","sentiment_score":-0.19129336873690286}],"sentiment":"neutral","sentiment_score":-0.10983916139230132,"num_words":32,"start":2243.825,"end":2253.8699},{"sentences":[{"text":"And anything else you can think of in relation to the family?","start":2254.01,"end":2256.67,"sentiment":"neutral","sentiment_score":0.010835446882992983},{"text":"Yep.","start":2266.685,"end":2266.7651,"sentiment":"neutral","sentiment_score":0.1665230244398117},{"text":"Yeah.","start":2266.7651,"end":2267.0051,"sentiment":"neutral","sentiment_score":0.23787479102611545},{"text":"Okay.","start":2267.0051,"end":2267.165,"sentiment":"positive","sentiment_score":0.38115793466567993},{"text":"Brilliant.","start":2267.165,"end":2267.665,"sentiment":"positive","sentiment_score":0.5582184791564941}],"sentiment":"neutral","sentiment_score":0.09211247449275106,"num_words":16,"start":2254.01,"end":2267.665},{"sentences":[{"text":"And now these questions here related specifically to yourself there, Jackie.","start":2268.205,"end":2272.97,"sentiment":"neutral","sentiment_score":0.1998420858925039},{"text":"So I understand that these can be quite prying, but, obviously, the insurers just do wanna know, obviously, your complete health history.","start":2272.97,"end":2278.51,"sentiment":"neutral","sentiment_score":-0.06890837865119631},{"text":"So I do apologize if some of these do come across a little bit harsh, but I'll run through these same as the family questions, and you can just let me know if anything pops up.","start":2278.73,"end":2286.0898,"sentiment":"neutral","sentiment_score":-0.06611029332917598},{"text":"But have you suffered from any stress, anxiety, depression, or mental health?","start":2286.0898,"end":2290.525,"sentiment":"neutral","sentiment_score":-0.10993409901857376},{"text":"Yep.","start":2291.785,"end":2292.185,"sentiment":"neutral","sentiment_score":-0.05421210452914238}],"sentiment":"neutral","sentiment_score":-0.03745260046476998,"num_words":82,"start":2268.205,"end":2292.185},{"sentences":[{"text":"Any skin cancers, tumors, skin lesions, moles, or cysts?","start":2292.185,"end":2295.645,"sentiment":"neutral","sentiment_score":-0.08408531546592712},{"text":"Yep.","start":2297.385,"end":2297.785,"sentiment":"neutral","sentiment_score":-0.02928011119365692},{"text":"Any back issues, neck strains, pain, sciatica, or spondylitis, or any back or neck problems?","start":2297.785,"end":2303.1,"sentiment":"neutral","sentiment_score":-0.06791839674115181},{"text":"Yep.","start":2304.76,"end":2305.08,"sentiment":"neutral","sentiment_score":-0.027840327471494675},{"text":"Any bone joint fractures, muscle, ligament tears, any gout or arthritis, anything like that?","start":2305.08,"end":2309.74,"sentiment":"neutral","sentiment_score":-0.0598076938518456}],"sentiment":"neutral","sentiment_score":-0.06674929857254028,"num_words":40,"start":2292.185,"end":2309.74},{"sentences":[{"text":"Yep.","start":2310.92,"end":2311.16,"sentiment":"neutral","sentiment_score":-0.037058718502521515},{"text":"Any HIV, Hep B, or C?","start":2311.16,"end":2313.02,"sentiment":"neutral","sentiment_score":-0.05028577769796053},{"text":"Yep.","start":2314.775,"end":2315.095,"sentiment":"neutral","sentiment_score":-0.027643952518701553},{"text":"Any heart conditions?","start":2315.095,"end":2316.1548,"sentiment":"neutral","sentiment_score":-0.039589788764715195},{"text":"Blood conditions or previous surgeries?","start":2317.4949,"end":2319.4348,"sentiment":"neutral","sentiment_score":-0.06404182240366936}],"sentiment":"neutral","sentiment_score":-0.050337238470092416,"num_words":16,"start":2310.92,"end":2319.4348},{"sentences":[{"text":"Yep.","start":2321.095,"end":2321.4949,"sentiment":"neutral","sentiment_score":-0.0323096439242363},{"text":"Any diagnosis of cancers, respiratory, asthma issues, anything like that?","start":2321.4949,"end":2325.57,"sentiment":"neutral","sentiment_score":-0.06696003749966621},{"text":"Any disease or conditions of the eyes or ears?","start":2327.33,"end":2329.51,"sentiment":"neutral","sentiment_score":-0.07319051606787576},{"text":"Any high cholesterol or skin conditions that you've been diagnosed with?","start":2331.57,"end":2334.79,"sentiment":"neutral","sentiment_score":-0.09606007892977107},{"text":"Yep.","start":2336.53,"end":2336.9302,"sentiment":"neutral","sentiment_score":-0.04596362262964249}],"sentiment":"neutral","sentiment_score":-0.07697653607465327,"num_words":32,"start":2321.095,"end":2336.9302},{"sentences":[{"text":"Any thyroid condition or any other health conditions that you can think of?","start":2336.9302,"end":2339.955,"sentiment":"neutral","sentiment_score":0.005133334977122454},{"text":"Perfect.","start":2344.595,"end":2345.095,"sentiment":"positive","sentiment_score":0.530430793762207},{"text":"And now these ones can be a little bit forward there as well, but have you had any abnormal cervical pap smear tests including the detection of h I HPV or any abnormalities?","start":2345.715,"end":2354.935,"sentiment":"neutral","sentiment_score":0.10818526549547007},{"text":"Yep.","start":2356.84,"end":2357.34,"sentiment":"neutral","sentiment_score":-0.02624151110649109},{"text":"Any abnormal vaginal bleeding within the last twelve months, obviously, apart from having a child?","start":2357.96,"end":2362.8599,"sentiment":"neutral","sentiment_score":-0.14348976562420526}],"sentiment":"neutral","sentiment_score":0.03156650657691653,"num_words":63,"start":2336.9302,"end":2362.8599},{"sentences":[{"text":"Yep.","start":2364.2,"end":2364.68,"sentiment":"neutral","sentiment_score":-0.05747368559241295},{"text":"Any breast lumps or abnormal mammograms or breast ultrasound?","start":2364.68,"end":2367.66,"sentiment":"neutral","sentiment_score":-0.13803035269180933},{"text":"Sorry, Jackie.","start":2373.495,"end":2374.0552,"sentiment":"neutral","sentiment_score":-0.0727178230881691},{"text":"Did you hear me on that one?","start":2374.0552,"end":2375.2751,"sentiment":"neutral","sentiment_score":-0.05896438658237457},{"text":"Oh, sorry.","start":2377.175,"end":2377.915,"sentiment":"neutral","sentiment_score":-0.07706668227910995}],"sentiment":"neutral","sentiment_score":-0.09581269412523225,"num_words":21,"start":2364.2,"end":2377.915},{"sentences":[{"text":"So in regards to your checkups, obviously, you just plan on going for a bit of a checkup for the gestational diabetes and then obviously just in regards to your general health probably for having a child and then the baby checkup as well.","start":2379.3352,"end":2390.8098,"sentiment":"neutral","sentiment_score":-0.03345685579221357},{"text":"But can you think of any other health conditions or anything else that you sort of might have left out not that matching up to those questions at all?","start":2390.8098,"end":2397.7449,"sentiment":"neutral","sentiment_score":-0.07318878193096869},{"text":"Perfect.","start":2400.6848,"end":2401.1848,"sentiment":"neutral","sentiment_score":0.1814189255237579},{"text":"So what we'll do from there, Jackie, we'll just basically send those off to the insurers and just see how they'll rate you in terms of cover.","start":2401.325,"end":2407.1648,"sentiment":"neutral","sentiment_score":0.1456663351919916},{"text":"As I said, they will wait until such time that you do get an all clear from the doctor, basically.","start":2407.1648,"end":2414.9,"sentiment":"neutral","sentiment_score":0.08470026142895222}],"sentiment":"neutral","sentiment_score":0.01829618903662055,"num_words":121,"start":2379.3352,"end":2414.9},{"sentences":[{"text":"So we'll just pre assess based on the fact that you get the all clear check and see what they'll offer terms at in terms of the pricing and the cover that's available.","start":2414.9,"end":2422.84,"sentiment":"neutral","sentiment_score":0.15445837965517334},{"text":"And then it should be fine at the moment that you're currently on maternity leave if you're going back to part time work and that's not changing.","start":2423.885,"end":2430.385,"sentiment":"neutral","sentiment_score":0.09566476265037502},{"text":"But we'll see if that's still the the case when we go to that.","start":2430.925,"end":2434.045,"sentiment":"neutral","sentiment_score":0.020790416281670332},{"text":"Otherwise, we can just review it at such time that you are returned to work.","start":2434.045,"end":2439.4,"sentiment":"neutral","sentiment_score":0.04730349952975909},{"text":"Now I know you did want to increase the cover amount for your life and total permanent disability portion.","start":2439.7,"end":2444.8198,"sentiment":"neutral","sentiment_score":0.01832776889204979}],"sentiment":"neutral","sentiment_score":0.08360112083351447,"num_words":108,"start":2414.9,"end":2444.8198},{"sentences":[{"text":"Have you had a thought about what you wanted to increase that to or what you'd want to cover for?","start":2444.8198,"end":2450.68,"sentiment":"neutral","sentiment_score":0.0015940381679683923},{"text":"1.5.","start":2459.295,"end":2460.435,"sentiment":"neutral","sentiment_score":0.04514205455780029},{"text":"Yep.","start":2464.67,"end":2464.91,"sentiment":"neutral","sentiment_score":0.07645504176616669},{"text":"Was that just having the child you wanna ensure that, you know, if something were to happen to you that they can be looked after?","start":2464.91,"end":2469.7898,"sentiment":"neutral","sentiment_score":0.07667742654681206},{"text":"Is that sort of the mindset behind that?","start":2469.7898,"end":2471.65,"sentiment":"neutral","sentiment_score":0.004605637630447745}],"sentiment":"neutral","sentiment_score":0.038313793170858514,"num_words":55,"start":2444.8198,"end":2471.65},{"sentences":[{"text":"Yep.","start":2473.7898,"end":2474.2898,"sentiment":"neutral","sentiment_score":0.17483088374137878},{"text":"Perfect.","start":2474.3499,"end":2474.8499,"sentiment":"neutral","sentiment_score":0.14415286481380463},{"text":"We can have a look at 1.5 and then maybe even a million dollars worth of cover and just see what the pricing difference will look like that.","start":2475.165,"end":2481.425,"sentiment":"neutral","sentiment_score":0.0691238222643733},{"text":"Now given that we're looking at cover again there, Jackie, we can essentially look at trauma insurance as well, which I know you originally didn't go ahead with there.","start":2481.485,"end":2492.0698,"sentiment":"neutral","sentiment_score":0.042906399173983215},{"text":"So within regards to trauma insurance, just to refresh your memory, that's like the insurance that covers for things like heart attacks, strokes.","start":2492.0698,"end":2498.41,"sentiment":"neutral","sentiment_score":0.09999531053978464}],"sentiment":"neutral","sentiment_score":0.0707149815904658,"num_words":82,"start":2473.7898,"end":2498.41},{"sentences":[{"text":"It's a premium that's paid out of pocket.","start":2498.79,"end":2501.21,"sentiment":"neutral","sentiment_score":0.20900319516658783},{"text":"But in saying that, it can sort of bridge the gap if you were to suffer a condition like a heart attack or a stroke where you may not meet the condition of income protection or total permanent disability, but it can sort of assist in covering sort of medical costs and some time off work if something like that were to occur, if that makes sense.","start":2502.645,"end":2518.75,"sentiment":"neutral","sentiment_score":0.15691278329980907},{"text":"Yep.","start":2524.41,"end":2524.91,"sentiment":"neutral","sentiment_score":0.14003431797027588},{"text":"So it covers for, like, trauma traumatic events.","start":2530.025,"end":2532.6648,"sentiment":"neutral","sentiment_score":0.05532607203349471},{"text":"It is a lump sum payment that can be that pays like, you pay out of pocket full.","start":2532.6648,"end":2536.585,"sentiment":"neutral","sentiment_score":0.17383179979191887}],"sentiment":"neutral","sentiment_score":0.155850954244242,"num_words":102,"start":2498.79,"end":2536.585},{"sentences":[{"text":"It can't be held within superannuation like your other covers.","start":2536.585,"end":2539.2449,"sentiment":"neutral","sentiment_score":-0.09067874504253268},{"text":"And then say if you were to suffer a heart attack so with your income protection policy, you have to be sick or injured off work for more than thirty days to be able to start claiming on your income protection.","start":2539.625,"end":2548.46,"sentiment":"neutral","sentiment_score":-0.0807421371885916},{"text":"If you were to suffer sort of a a heart attack, but you're only off work for a couple of weeks and then you can cleared and return to work, you may not be able to claim on that income protection policy.","start":2548.68,"end":2559.245,"sentiment":"neutral","sentiment_score":-0.12138417558301062},{"text":"Whereas if you did suffer it and had trauma cover, the likelihood of that white pay, if it was covered under their conditions, then you would get that lump sum payment and be able to take some time off work.","start":2559.5452,"end":2569.97,"sentiment":"neutral","sentiment_score":0.05574556296924129},{"text":"Now you you run the sense that if you do have some suffer from something that is still covered under income protection, you aren't going to work within that sort of month period and you do meet the condition of paying an income protection claim, you'd still get covered on that.","start":2569.97,"end":2583.465,"sentiment":"neutral","sentiment_score":0.0361518314948269}],"sentiment":"neutral","sentiment_score":-0.028487959373033726,"num_words":184,"start":2536.585,"end":2583.465},{"sentences":[{"text":"Whereas just that trauma cover can cover certain things.","start":2583.605,"end":2587.385,"sentiment":"neutral","sentiment_score":0.007734117408593495},{"text":"Yeah.","start":2587.605,"end":2587.7651,"sentiment":"neutral","sentiment_score":-0.04231719672679901},{"text":"It's a lump sum payment in addition to, you know, some people might get diagnosed with certain skin cancers and other cancers where you may not be medically unfit to work yet, and you still have to work to cover bills and expenses because you can't just opt to not work.","start":2587.7651,"end":2601.96,"sentiment":"neutral","sentiment_score":-0.2894805446267128},{"text":"You have to be unable to work for income protection, if that makes sense.","start":2601.96,"end":2605.98,"sentiment":"negative","sentiment_score":-0.4968721887895039},{"text":"So with TBD, you have to be signed off by a specialist and another medical professional that you will not be returning to work, like, ever.","start":2616.615,"end":2624.29,"sentiment":"neutral","sentiment_score":-0.19256012772138303}],"sentiment":"neutral","sentiment_score":-0.26434645425565173,"num_words":101,"start":2583.605,"end":2624.29},{"sentences":[{"text":"Like, you're totally permanently disabled and not returning to the workforce, which is quite, like, severe in terms of that, whereas the trauma, you've just gotta meet one of the conditions in terms of that.","start":2624.29,"end":2634.765,"sentiment":"negative","sentiment_score":-0.3374459730727332},{"text":"So it sort of bridges the gap between those types of covers where you may suffer something that isn't related to that where you can make a claim that would be valid.","start":2634.765,"end":2644.065,"sentiment":"neutral","sentiment_score":-0.11166136991232634},{"text":"But it's one of the more claimed on types of insurances, if that makes sense, because you just have to be hit with one of those conditions that are listed.","start":2644.365,"end":2652.68,"sentiment":"neutral","sentiment_score":-0.1717336860795816},{"text":"Obviously, it's different between the different providers.","start":2652.68,"end":2654.7,"sentiment":"neutral","sentiment_score":-0.1811412934746061},{"text":"But in saying that, it can sort of pay with some of those ones you might not be eligible to pay or might not be yet, if that makes sense.","start":2655.16,"end":2662.935,"sentiment":"neutral","sentiment_score":-0.25881274541219074}],"sentiment":"neutral","sentiment_score":-0.22065787234190684,"num_words":134,"start":2624.29,"end":2662.935},{"sentences":[{"text":"Like, if you got cancer and then you sort of end up totally permanently disabled where you're not working, that may sort of take, you know, six to eight months if it's quite severe.","start":2662.935,"end":2671.175,"sentiment":"negative","sentiment_score":-0.3714069417294334},{"text":"It might take years if it's not as severe or and it sort of just progresses, whereas the trauma payment would sort of pay as you get diagnosed with the condition.","start":2671.175,"end":2680.77,"sentiment":"neutral","sentiment_score":-0.306343630436928},{"text":"Yeah.","start":2683.63,"end":2684.13,"sentiment":"neutral","sentiment_score":0.0007621403783559799},{"text":"So with income protection, the the policy that you have there, it's basically a a sixty day waiting period and a five year benefit period.","start":2692.845,"end":2701.3252,"sentiment":"neutral","sentiment_score":0.04092999294400215},{"text":"So you would actually have to be off work or not able to work for sixty days before you'd be able to claim on that.","start":2701.3252,"end":2706.65,"sentiment":"negative","sentiment_score":-0.3424699181318283}],"sentiment":"neutral","sentiment_score":-0.2557088323419207,"num_words":116,"start":2662.935,"end":2706.65},{"sentences":[{"text":"And then if you did make a successful claim, it would pay for up to five years for that monthly benefit amount, which, yeah, in saying that as well, like, some conditions, you may not be sick or off work for that sixty days, if that makes sense.","start":2706.65,"end":2721.085,"sentiment":"neutral","sentiment_score":0.11723681166768074},{"text":"It's just a lump sum payment.","start":2725.705,"end":2727.065,"sentiment":"neutral","sentiment_score":0.031639338160554566},{"text":"So as long as you meet the condition of that trauma policy or just pay out, like, as soon as you sort of get diagnosed and do the process of the claim and then what however long that takes to go through the claims process.","start":2727.065,"end":2738.86,"sentiment":"neutral","sentiment_score":0.044843668739000954},{"text":"So generally generally, we just sort of do as a base amount just a year's worth of income depending on that.","start":2741.72,"end":2748.655,"sentiment":"neutral","sentiment_score":0.04941968016681217},{"text":"Some people like to do more, some people like to do less, some people like to do the after tax amount.","start":2749.115,"end":2753.215,"sentiment":"neutral","sentiment_score":-0.021548342669293993}],"sentiment":"neutral","sentiment_score":0.059719618224928564,"num_words":141,"start":2706.65,"end":2753.215},{"sentences":[{"text":"Obviously, there's certain taxes involved with lump sum payments, so we generally aim for about a year's worth of income replacement.","start":2753.595,"end":2760.2551,"sentiment":"neutral","sentiment_score":0.021162886571671282},{"text":"So if you do suffer one of those conditions that are covered, you just get, like, a year's worth of salary.","start":2760.315,"end":2764.77,"sentiment":"neutral","sentiment_score":-0.09962274843738192},{"text":"So if you were to take some time off work or cover certain medical expenses.","start":2764.77,"end":2768.2302,"sentiment":"neutral","sentiment_score":-0.191799092789491},{"text":"Is that something you wanna look at and see what the general pricing might look like?","start":2770.9302,"end":2774.385,"sentiment":"neutral","sentiment_score":0.011420571943745017},{"text":"Yep.","start":2777.185,"end":2777.665,"sentiment":"neutral","sentiment_score":0.11071085929870604}],"sentiment":"neutral","sentiment_score":-0.05717842541383328,"num_words":74,"start":2753.595,"end":2777.665},{"sentences":[{"text":"No problem.","start":2777.665,"end":2778.385,"sentiment":"neutral","sentiment_score":0.22338374704122543},{"text":"We can have a look and see what they'll look at in terms of that as well.","start":2778.385,"end":2781.585,"sentiment":"neutral","sentiment_score":0.14504506833413067},{"text":"And would you just be looking to do around sort of a year's worth of income, say around the the 75,000 mark?","start":2781.585,"end":2787.665,"sentiment":"neutral","sentiment_score":0.055634593929756775},{"text":"Or Yep.","start":2787.665,"end":2791.77,"sentiment":"neutral","sentiment_score":0.08412399888038635},{"text":"And then with your income protection, given that it's the sixty day wait at the moment, is there something you wanted to review and potentially look at what thirty days look like?","start":2791.77,"end":2798.73,"sentiment":"neutral","sentiment_score":0.11989586660638452}],"sentiment":"neutral","sentiment_score":0.10855213935176532,"num_words":75,"start":2777.665,"end":2798.73},{"sentences":[{"text":"Are you happy with the sixty days?","start":2798.73,"end":2800.3298,"sentiment":"neutral","sentiment_score":0.18171957560947963},{"text":"Then the event that anything did happen, you'd have to be off work for sixty days to make a claim.","start":2800.3298,"end":2804.965,"sentiment":"neutral","sentiment_score":-0.1480437595397234},{"text":"So as I said, it doesn't always marry up, but sometimes, yeah, it it would work out to where, like, you can get the trauma policy and then sort of sixty days later if you're still off working and sort of look at IP and use that as a sort of risk mitigation tool.","start":2812.0652,"end":2825.07,"sentiment":"neutral","sentiment_score":-0.11436620389145834},{"text":"But that's not always the case that some conditions would be covered under trauma.","start":2825.37,"end":2828.73,"sentiment":"neutral","sentiment_score":-0.2919710491384779},{"text":"Like, if you're just sort of just got the the flu and then you're unable to work and it sort of keeps going on, that might be not considered under trauma, but it might sort of be able to claim on an income protection policy same with, like, certain broken bones and things like that.","start":2828.73,"end":2844.275,"sentiment":"neutral","sentiment_score":-0.23365948593074626}],"sentiment":"neutral","sentiment_score":-0.1653565305719773,"num_words":150,"start":2798.73,"end":2844.275},{"sentences":[{"text":"Whereas if you No.","start":2844.655,"end":2860.295,"sentiment":"neutral","sentiment_score":-0.19769573025405407},{"text":"See, it it just you have to be medically unfit to work from injury or illness, not just that you've sort of had a child and don't wanna return from work sort of thing or just, like, to conflict.","start":2860.295,"end":2870.9548,"sentiment":"negative","sentiment_score":-0.4997399082550636},{"text":"So you gotta meet, like, the strict definition still under the PDFs to be able to claim on certain conditions.","start":2871.8699,"end":2876.3699,"sentiment":"neutral","sentiment_score":-0.23405899107456207},{"text":"We can have a look and see what the the pricing looks like, but if you do, it our concern with cost as well, income protection is the more expensive insurance cover.","start":2877.3098,"end":2886.93,"sentiment":"neutral","sentiment_score":-0.16582799423485994},{"text":"And by reducing that down to thirty days, the in premium will likely increase quite significantly as opposed to that sixty days.","start":2887.825,"end":2894.5652,"sentiment":"neutral","sentiment_score":-0.10432171618396585}],"sentiment":"neutral","sentiment_score":-0.27831959603433937,"num_words":117,"start":2844.655,"end":2894.5652},{"sentences":[{"text":"Yep.","start":2905.1199,"end":2905.6199,"sentiment":"neutral","sentiment_score":-0.04496615380048752},{"text":"No problem.","start":2905.8398,"end":2906.32,"sentiment":"neutral","sentiment_score":0.030979879200458527},{"text":"We can have a look at that in between the sixty and thirty, and then we might even look at sort of a a two year benefit period and a thirty day to where you it wouldn't pay for as long.","start":2906.32,"end":2915.5251,"sentiment":"neutral","sentiment_score":-0.0665340583498885},{"text":"So the five year benefit period is quite comprehensive in the sense that if you were sort of injured or illness and if you're off work for five years, the likelihood of you returning to work is quite slim.","start":2916.545,"end":2925.5051,"sentiment":"negative","sentiment_score":-0.4186358963831877},{"text":"You can look at a two year benefit period, which is less that if you do end up on a claim, it would only pay for two years, but that can sort of reduce pricing and cost as well.","start":2925.5051,"end":2934.25,"sentiment":"neutral","sentiment_score":0.2116715411345164}],"sentiment":"neutral","sentiment_score":-0.08838125116756705,"num_words":122,"start":2905.1199,"end":2934.25},{"sentences":[{"text":"But we can just compare a few of those options there for you.","start":2938.79,"end":2942.09,"sentiment":"neutral","sentiment_score":0.31568094400259167},{"text":"Jackie, just to show you what that looks like.","start":2943.0051,"end":2944.7651,"sentiment":"positive","sentiment_score":0.3580616083410051},{"text":"But do you have any other questions or concerns that you want addressed at this time?","start":2944.7651,"end":2948.865,"sentiment":"neutral","sentiment_score":0.07118073012679815},{"text":"Yep.","start":2953.5652,"end":2954.0652,"sentiment":"positive","sentiment_score":0.40068674087524414},{"text":"As I said, we'll start that process there for you, and then we'll just get a start on that.","start":2954.33,"end":2958.65,"sentiment":"positive","sentiment_score":0.3948733728182943}],"sentiment":"neutral","sentiment_score":0.28221688368197145,"num_words":58,"start":2938.79,"end":2958.65},{"sentences":[{"text":"As I said, it may sort of take a little bit longer because we will have to get confirmation after you've sort of had that checkup to be cleared.","start":2958.65,"end":2965.61,"sentiment":"neutral","sentiment_score":0.08244721231789424},{"text":"So once you sort of have that, if you could reach out just via email or text and just let us know if you just got cleared and everything's fine and that doctor didn't find anything else, then we can sort of still proceed as well.","start":2965.61,"end":2977.325,"sentiment":"positive","sentiment_score":0.3589415167984755},{"text":"Perfect.","start":2981.385,"end":2981.885,"sentiment":"positive","sentiment_score":0.7620095014572144},{"text":"But do you have any other questions for me, Jackie, while you've got me there?","start":2982.105,"end":2984.79,"sentiment":"neutral","sentiment_score":0.21360984047253925},{"text":"No problem.","start":2986.95,"end":2987.43,"sentiment":"positive","sentiment_score":0.4135020971298218}],"sentiment":"neutral","sentiment_score":0.25478967992208335,"num_words":93,"start":2958.65,"end":2987.43},{"sentences":[{"text":"Well, I'll let you get back to your day.","start":2987.43,"end":2988.6301,"sentiment":"positive","sentiment_score":0.5589631365405189},{"text":"Sorry to take up so much of your time this morning.","start":2988.6301,"end":2990.55,"sentiment":"neutral","sentiment_score":0.2576813440431248},{"text":"Good luck with your your child in the back, and then we'll we'll we'll talk soon, I'm sure.","start":2990.55,"end":2996.09,"sentiment":"positive","sentiment_score":0.5058104660775926},{"text":"No problem, Jackie.","start":2997.4648,"end":2998.525,"sentiment":"positive","sentiment_score":0.4502539237340291},{"text":"Thanks.","start":2998.585,"end":2999.065,"sentiment":"positive","sentiment_score":0.7535967826843262}],"sentiment":"positive","sentiment_score":0.4541454751576696,"num_words":42,"start":2987.43,"end":2999.065},{"sentences":[{"text":"Bye.","start":2999.065,"end":2999.565,"sentiment":"neutral","sentiment_score":-0.08813416212797165}],"sentiment":"neutral","sentiment_score":-0.08813416212797165,"num_words":1,"start":2999.065,"end":2999.565}]}}]},{"alternatives":[{"transcript":"Hi. Jacob speaking. No. Bye. Thanks. Yep. 20 Of October 1986. 33 Way, Granville. Yeah. Insurance also, I wanna review my gross for the year for the last five years. I think I've been with Oakville for five years. Right? Two thousand two or 2020. I don't know. I thought it was 2020. Hold on. Maybe I no. Okay. So I've been with Oakville '22, and now it's '25 '26. So is it four years? Yep. Resume my portfolio and the insurance as well. The portfolio yeah. Yeah. Yeah. I just wanna know for the last four years, and what is my my growth? Is that so that's not included with my, you know, my company contribution? 11,000. I think for I think a year, my company contribute around more than 7,000 a year. Is that right? That's from my employer. So on top of that, how much profit I earn from the investment? And then you're saying that my net profit was 8,000? That's apart from the contribution from my company? Sorry. That's after the tax after the, like, otherwise repeat. I can't afford to present it then. Okay. Yeah. I just don't want to know for the next, you know, next year or next five years if we can increase the growth more, you know, in terms of the investment. Okay. That's in the high profile. Yeah. Oh. So what is that otherwise? I should stay where I am now? Yep. I think during COVID, I only be panic. You know? Like, I don't want to lose too much. You know? But I'm not sure what's the situation now with the war happening. No. Yes, please. Sir, have what? No. I no. Yes. I thought I would say the moderate. I'm not quite sure about this answer. What would you do? But would there be a higher moral risk of losing more if I hold that position? Okay. I guess just hold on to it according to what you're saying? I hear about investment. That's why I put you guys as adviser for my times. So no. Actually, my I my sugar didn't drop. I think I was with. My sugar didn't was remained the same. Didn't grow and didn't drop. It was being managed by the by themselves, and then I got a phone call from Oakville. Yeah. I yeah. I haven't engaged in March. So but yeah. I I have I have already looked into my sugar properly recently, basically. Yeah. I think I should be more, like, looking into my sugar to see what's going on. Would it be like the super funds put into invest on the property? No. I haven't got that ability yet. Yeah. Yeah. Yeah. Yeah. I would think of, like, investment property. You know? Yeah. Yeah. So how many percent is the actual? Yeah, how much is the, like how many percent is much of it is an add to that? So the market index is more like lower risk. Is that right? Yep. Yep. Okay. Okay. Like you said, it's the 10%. Yeah? In the actual Understand. Okay. I'm gonna remember that again. I will return November. This year, November, I will return to work. So couple of months. Yeah. It's the price I feel like the price I pay is not covering enough of my cover. Yes? I just wonder if any other company will offer better deals. I haven't changed. My house hasn't changed. Yep. My name is actually ninety years. Actually, ninety years. Right. You know, work for some years for four years. And then the nursing oh, that Yeah. Probably, yeah, fourteen years, something like that in the industry. Yeah. And that's I wrote yeah. I've been working for them for four years. Yep. Yeah. Yep. I'll be part time. Just bachelor nursing. No. Bankruptcy. No. Sorry. I missed that. Code. I'll be in medical. Yeah. So yes. We do yeah. We do include manual handling. Like, carrying patient, like, with the machines? Would you using machines, sir? Yes. Probably provides pressure care. You gotta load them and get them up. Sometimes if the patient cannot get himself up, you just have to use the machines to get them up. It's always by two staff. Just one place for now. Just one place. Yeah. Oh, not radiation for now. More like, accumulation. Like, accumulation. Like, you just talk about take No. I'm not sure. I have a look for it. No planning to go yet. Maybe. Yeah. I'm planning it. No. I do running. No. No. What's one my height? One sixty nine. I was now I'm one seventy nine. I was one sixty nine. No. It's seventy seventy six point six. Seventy six point six. Yeah. Yeah. Yeah. That's right. No. No. No. No. No. No. I got gestational diabetes, but that's when I had the baby. Probably finished. Finished. I haven't go back to doctor, but I was on an injury. Now I'm no no longer an issue anymore. I don't know why I got pregnant. So last year, probably May. Yeah. It was just a check. I I actually found out myself. I just randomly checked my sugar at work and then I see it's very high. So I may just after I found out maybe I have gestational. I went to the doctors and they found out. Angeline. So that one for, like, the dates probably, she went on the October 19. So I had it on the eighth twenty eighth the October 18. After before, my shoe will go back to normal. Usually. Yes. Something like that. Three times a day. I haven't checked that, but I should go back to doctors. I have one thing. But but sugar is okay at the moment. I should do, like, day check myself, but I haven't got back to doctor to check properly. Yeah. Definitely, we'll go back to doctors to check to make sure everything is cleared. Yeah. Yeah. Something like that. I just want to go maybe eat more healthy, you know, so I can okay. Okay. Yep. Yes. I'm diabetic. That's all gonna affect my premium. Is that right? No. Yes. My mother probably got my mother has diabetes. Yeah. Up to. Probably two years ago. She's 61, so she will be fifty fifty nine. No. Just a just a diabetic. I think my mom has and pretty much everybody else is healthy. Yep. No. No. No. No. No. No. No. No. No. No. No. No. No. I think my new info is W115. Yeah. That's right. So the okay. I got the income income protection. So the trauma what what the trauma cover? The it cover the What about the TPD? Like, say well, if you have cancer, obviously, you go through k mode, you won't be able to work. Is it considered as a TPD? Okay. Okay. That's what about the income protection? How many like, how long the income protection can protect you? So the trauma to tell me how long the trauma will cover you? How much is the lump sum? Covered. Okay. Yeah. Yeah. Probably. Yeah. Yeah. Actually, you know what? If I call the trauma, like, the trauma one cover, that should be fine. Yeah? What what about my let's say, I'm having a baby. Would that come as income reduction if I'm not able to claim from the work? Yeah. Yeah. I just wanna compare to see how how this other company, you know, was if the other company has bad offers. Or Okay. Yeah. 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Jacob speaking. No. Bye. Thanks.\n\nYep. 20 Of October 1986. 33 Way, Granville. Yeah. Insurance also, I wanna review my gross for the year for the last five years.\n\nI think I've been with Oakville for five years. Right? Two thousand two or 2020. I don't know. I thought it was 2020.\n\nHold on. Maybe I no. Okay. So I've been with Oakville '22, and now it's '25 '26. So is it four years?\n\nYep. Resume my portfolio and the insurance as well. The portfolio yeah. Yeah. Yeah.\n\nI just wanna know for the last four years, and what is my my growth? Is that so that's not included with my, you know, my company contribution? 11,000. I think for I think a year, my company contribute around more than 7,000 a year. Is that right?\n\nThat's from my employer. So on top of that, how much profit I earn from the investment? And then you're saying that my net profit was 8,000? That's apart from the contribution from my company? Sorry.\n\nThat's after the tax after the, like, otherwise repeat. I can't afford to present it then. Okay. Yeah. I just don't want to know for the next, you know, next year or next five years if we can increase the growth more, you know, in terms of the investment.\n\nOkay. That's in the high profile. Yeah. Oh. So what is that otherwise?\n\nI should stay where I am now? Yep. I think during COVID, I only be panic. You know? Like, I don't want to lose too much.\n\nYou know? But I'm not sure what's the situation now with the war happening. No. Yes, please. Sir, have what?\n\nNo. I no. Yes. I thought I would say the moderate. I'm not quite sure about this answer.\n\nWhat would you do? But would there be a higher moral risk of losing more if I hold that position? Okay. I guess just hold on to it according to what you're saying? I hear about investment.\n\nThat's why I put you guys as adviser for my times. So no. Actually, my I my sugar didn't drop. I think I was with. My sugar didn't was remained the same.\n\nDidn't grow and didn't drop. It was being managed by the by themselves, and then I got a phone call from Oakville. Yeah. I yeah. I haven't engaged in March.\n\nSo but yeah. I I have I have already looked into my sugar properly recently, basically. Yeah. I think I should be more, like, looking into my sugar to see what's going on. Would it be like the super funds put into invest on the property?\n\nNo. I haven't got that ability yet. Yeah. Yeah. Yeah.\n\nYeah. I would think of, like, investment property. You know? Yeah. Yeah.\n\nSo how many percent is the actual? Yeah, how much is the, like how many percent is much of it is an add to that? So the market index is more like lower risk. Is that right? Yep.\n\nYep. Okay. Okay. Like you said, it's the 10%. Yeah?\n\nIn the actual Understand. Okay. I'm gonna remember that again. I will return November. This year, November, I will return to work.\n\nSo couple of months. Yeah. It's the price I feel like the price I pay is not covering enough of my cover. Yes? I just wonder if any other company will offer better deals.\n\nI haven't changed. My house hasn't changed. Yep. My name is actually ninety years. Actually, ninety years.\n\nRight. You know, work for some years for four years. And then the nursing oh, that Yeah. Probably, yeah, fourteen years, something like that in the industry. Yeah.\n\nAnd that's I wrote yeah. I've been working for them for four years. Yep. Yeah. Yep.\n\nI'll be part time. Just bachelor nursing. No. Bankruptcy. No.\n\nSorry. I missed that. Code. I'll be in medical. Yeah.\n\nSo yes. We do yeah. We do include manual handling. Like, carrying patient, like, with the machines? Would you using machines, sir?\n\nYes. Probably provides pressure care. You gotta load them and get them up. Sometimes if the patient cannot get himself up, you just have to use the machines to get them up. It's always by two staff.\n\nJust one place for now. Just one place. Yeah. Oh, not radiation for now. More like, accumulation.\n\nLike, accumulation. Like, you just talk about take No. I'm not sure. I have a look for it. No planning to go yet.\n\nMaybe. Yeah. I'm planning it. No. I do running.\n\nNo. No. What's one my height? One sixty nine. I was now I'm one seventy nine.\n\nI was one sixty nine. No. It's seventy seventy six point six. Seventy six point six. Yeah.\n\nYeah. Yeah. That's right. No. No.\n\nNo. No. No. No. I got gestational diabetes, but that's when I had the baby.\n\nProbably finished. Finished. I haven't go back to doctor, but I was on an injury. Now I'm no no longer an issue anymore. I don't know why I got pregnant.\n\nSo last year, probably May. Yeah. It was just a check. I I actually found out myself. I just randomly checked my sugar at work and then I see it's very high.\n\nSo I may just after I found out maybe I have gestational. I went to the doctors and they found out. Angeline. So that one for, like, the dates probably, she went on the October 19. So I had it on the eighth twenty eighth the October 18.\n\nAfter before, my shoe will go back to normal. Usually. Yes. Something like that. Three times a day.\n\nI haven't checked that, but I should go back to doctors. I have one thing. But but sugar is okay at the moment. I should do, like, day check myself, but I haven't got back to doctor to check properly. Yeah.\n\nDefinitely, we'll go back to doctors to check to make sure everything is cleared. Yeah. Yeah. Something like that. I just want to go maybe eat more healthy, you know, so I can okay.\n\nOkay. Yep. Yes. I'm diabetic. That's all gonna affect my premium.\n\nIs that right? No. Yes. My mother probably got my mother has diabetes. Yeah.\n\nUp to. Probably two years ago. She's 61, so she will be fifty fifty nine. No. Just a just a diabetic.\n\nI think my mom has and pretty much everybody else is healthy. Yep. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nI think my new info is W115. Yeah. That's right. So the okay. I got the income income protection.\n\nSo the trauma what what the trauma cover? The it cover the What about the TPD? Like, say well, if you have cancer, obviously, you go through k mode, you won't be able to work. Is it considered as a TPD? Okay.\n\nOkay. That's what about the income protection? How many like, how long the income protection can protect you? So the trauma to tell me how long the trauma will cover you? How much is the lump sum?\n\nCovered. Okay. Yeah. Yeah. Probably.\n\nYeah. Yeah. Actually, you know what? If I call the trauma, like, the trauma one cover, that should be fine. Yeah?\n\nWhat what about my let's say, I'm having a baby. Would that come as income reduction if I'm not able to claim from the work? Yeah. Yeah. I just wanna compare to see how how this other company, you know, was if the other company has bad offers.\n\nOr Okay. Yeah. I think so far it's okay.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.0,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.07674948871135712},{"text":"Jacob speaking.","start":2.1599998,"end":2.98,"sentiment":"neutral","sentiment_score":0.07262206450104713},{"text":"No.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.016958799213171005},{"text":"Bye.","start":7.2,"end":7.44,"sentiment":"neutral","sentiment_score":0.08705072104930878},{"text":"Thanks.","start":7.44,"end":7.94,"sentiment":"positive","sentiment_score":0.3907860517501831}],"sentiment":"neutral","sentiment_score":0.11946486495435238,"num_words":6,"start":2.0,"end":7.94},{"sentences":[{"text":"Yep.","start":13.36,"end":13.86,"sentiment":"neutral","sentiment_score":0.279474675655365},{"text":"20 Of October 1986.","start":23.224998,"end":25.485,"sentiment":"neutral","sentiment_score":0.015093495370820165},{"text":"33 Way, Granville.","start":26.52,"end":28.060001,"sentiment":"neutral","sentiment_score":0.04739579496284326},{"text":"Yeah.","start":40.925003,"end":41.245003,"sentiment":"neutral","sentiment_score":0.07240107655525208},{"text":"Insurance also, I wanna review my gross for the year for the last five years.","start":41.245003,"end":46.685,"sentiment":"neutral","sentiment_score":0.05304374222954114}],"sentiment":"neutral","sentiment_score":0.05625388550106436,"num_words":24,"start":13.36,"end":46.685},{"sentences":[{"text":"I think I've been with Oakville for five years.","start":46.685,"end":49.805,"sentiment":"neutral","sentiment_score":0.041896633389923305},{"text":"Right?","start":49.805,"end":50.305,"sentiment":"neutral","sentiment_score":0.04205212742090225},{"text":"Two thousand two or 2020.","start":55.41,"end":59.99,"sentiment":"neutral","sentiment_score":0.012073947489261628},{"text":"I don't know.","start":80.67,"end":81.47,"sentiment":"neutral","sentiment_score":-0.11001816640297572},{"text":"I thought it was 2020.","start":81.47,"end":83.25,"sentiment":"neutral","sentiment_score":-0.09647326767444611}],"sentiment":"neutral","sentiment_score":-0.01447518574802772,"num_words":23,"start":46.685,"end":83.25},{"sentences":[{"text":"Hold on.","start":84.19,"end":84.67,"sentiment":"neutral","sentiment_score":-0.06169617921113968},{"text":"Maybe I no.","start":84.67,"end":86.93,"sentiment":"neutral","sentiment_score":-0.1238308846950531},{"text":"Okay.","start":101.925,"end":102.325,"sentiment":"neutral","sentiment_score":0.0004892908036708832},{"text":"So I've been with Oakville '22, and now it's '25 '26.","start":102.325,"end":106.325,"sentiment":"neutral","sentiment_score":0.009605136488310316},{"text":"So is it four years?","start":106.325,"end":107.945,"sentiment":"neutral","sentiment_score":0.0017931906506419182}],"sentiment":"neutral","sentiment_score":-0.017262421230870215,"num_words":22,"start":84.19,"end":107.945},{"sentences":[{"text":"Yep.","start":119.090004,"end":119.590004,"sentiment":"neutral","sentiment_score":0.03961949050426483},{"text":"Resume my portfolio and the insurance as well.","start":119.81,"end":122.23,"sentiment":"neutral","sentiment_score":0.053846856113523245},{"text":"The portfolio yeah.","start":122.37,"end":131.875,"sentiment":"neutral","sentiment_score":0.02010270083944003},{"text":"Yeah.","start":148.77,"end":148.93001,"sentiment":"neutral","sentiment_score":0.0328565388917923},{"text":"Yeah.","start":148.93001,"end":149.17,"sentiment":"neutral","sentiment_score":0.022516557946801186}],"sentiment":"neutral","sentiment_score":0.04186253848352602,"num_words":14,"start":119.090004,"end":149.17},{"sentences":[{"text":"I just wanna know for the last four years, and what is my my growth?","start":149.17,"end":152.835,"sentiment":"neutral","sentiment_score":-0.004444055010875066},{"text":"Is that so that's not included with my, you know, my company contribution?","start":237.955,"end":244.215,"sentiment":"neutral","sentiment_score":-0.03382315744574253},{"text":"11,000.","start":274.33002,"end":275.23,"sentiment":"neutral","sentiment_score":0.002196916379034519},{"text":"I think for I think a year, my company contribute around more than 7,000 a year.","start":279.85,"end":285.29,"sentiment":"neutral","sentiment_score":-0.003376850043423474},{"text":"Is that right?","start":285.29,"end":286.19,"sentiment":"neutral","sentiment_score":0.011138767624894777}],"sentiment":"neutral","sentiment_score":-0.01093288027914241,"num_words":48,"start":149.17,"end":286.19},{"sentences":[{"text":"That's from my employer.","start":303.55,"end":304.61,"sentiment":"neutral","sentiment_score":0.11440060846507549},{"text":"So on top of that, how much profit I earn from the investment?","start":308.50998,"end":312.68997,"sentiment":"neutral","sentiment_score":0.17622450108711535},{"text":"And then you're saying that my net profit was 8,000?","start":337.18,"end":340.30002,"sentiment":"neutral","sentiment_score":0.12649036794900895},{"text":"That's apart from the contribution from my company?","start":340.30002,"end":344.0,"sentiment":"neutral","sentiment_score":0.08219260489568114},{"text":"Sorry.","start":359.59998,"end":360.09998,"sentiment":"neutral","sentiment_score":-0.21085017919540405}],"sentiment":"neutral","sentiment_score":0.12389209131813711,"num_words":36,"start":303.55,"end":360.09998},{"sentences":[{"text":"That's after the tax after the, like, otherwise repeat.","start":361.19998,"end":365.06,"sentiment":"neutral","sentiment_score":-0.31368623673915863},{"text":"I can't afford to present it then.","start":374.345,"end":376.04498,"sentiment":"negative","sentiment_score":-0.6470745972224644},{"text":"Okay.","start":376.345,"end":376.845,"sentiment":"neutral","sentiment_score":-0.13042378425598145},{"text":"Yeah.","start":377.865,"end":378.185,"sentiment":"neutral","sentiment_score":-0.14553239941596985},{"text":"I just don't want to know for the next, you know, next year or next five years if we can increase the growth more, you know, in terms of the investment.","start":378.185,"end":390.84,"sentiment":"neutral","sentiment_score":-0.22414589649246586}],"sentiment":"neutral","sentiment_score":-0.29749341400302187,"num_words":49,"start":361.19998,"end":390.84},{"sentences":[{"text":"Okay.","start":474.05,"end":474.55,"sentiment":"neutral","sentiment_score":0.055402372032403946},{"text":"That's in the high profile.","start":474.69,"end":476.05,"sentiment":"neutral","sentiment_score":0.12370231449604034},{"text":"Yeah.","start":476.05,"end":476.55,"sentiment":"neutral","sentiment_score":0.23732095956802368},{"text":"Oh.","start":507.245,"end":507.745,"sentiment":"negative","sentiment_score":-0.36223381757736206},{"text":"So what is that otherwise?","start":516.685,"end":517.985,"sentiment":"neutral","sentiment_score":-0.3131850719451904}],"sentiment":"neutral","sentiment_score":-0.07822494409405269,"num_words":13,"start":474.05,"end":517.985},{"sentences":[{"text":"I should stay where I am now?","start":518.205,"end":519.96,"sentiment":"neutral","sentiment_score":-0.3131673974650247},{"text":"Yep.","start":557.35,"end":557.85,"sentiment":"neutral","sentiment_score":0.04793117940425873},{"text":"I think during COVID, I only be panic.","start":566.775,"end":568.695,"sentiment":"neutral","sentiment_score":-0.10463788127526641},{"text":"You know?","start":568.695,"end":569.09503,"sentiment":"neutral","sentiment_score":-0.11716679111123085},{"text":"Like, I don't want to lose too much.","start":569.09503,"end":571.275,"sentiment":"neutral","sentiment_score":-0.23573549836874008}],"sentiment":"neutral","sentiment_score":-0.19621389316251645,"num_words":26,"start":518.205,"end":571.275},{"sentences":[{"text":"You know?","start":571.495,"end":572.155,"sentiment":"neutral","sentiment_score":-0.10257215052843094},{"text":"But I'm not sure what's the situation now with the war happening.","start":573.41,"end":576.31,"sentiment":"neutral","sentiment_score":-0.1982615478336811},{"text":"No.","start":643.545,"end":644.045,"sentiment":"neutral","sentiment_score":-0.045570917427539825},{"text":"Yes, please.","start":650.665,"end":651.645,"sentiment":"neutral","sentiment_score":0.09589147195219994},{"text":"Sir, have what?","start":656.505,"end":657.565,"sentiment":"neutral","sentiment_score":0.009260316068927446}],"sentiment":"neutral","sentiment_score":-0.12051449501886964,"num_words":20,"start":571.495,"end":657.565},{"sentences":[{"text":"No.","start":663.35,"end":663.85,"sentiment":"neutral","sentiment_score":-0.21273234486579895},{"text":"I no.","start":663.99,"end":664.97,"sentiment":"neutral","sentiment_score":-0.19980067014694214},{"text":"Yes.","start":677.835,"end":678.335,"sentiment":"neutral","sentiment_score":0.25622227787971497},{"text":"I thought I would say the moderate.","start":696.87,"end":698.49,"sentiment":"neutral","sentiment_score":0.029352158308029175},{"text":"I'm not quite sure about this answer.","start":725.37,"end":727.15,"sentiment":"neutral","sentiment_score":-0.2621895159993853}],"sentiment":"neutral","sentiment_score":-0.11033182839552562,"num_words":18,"start":663.35,"end":727.15},{"sentences":[{"text":"What would you do?","start":727.61005,"end":728.67004,"sentiment":"neutral","sentiment_score":-0.07758479751646519},{"text":"But would there be a higher moral risk of losing more if I hold that position?","start":799.805,"end":804.465,"sentiment":"negative","sentiment_score":-0.604581493884325},{"text":"Okay.","start":865.83997,"end":866.33997,"sentiment":"neutral","sentiment_score":-0.10811905562877656},{"text":"I guess just hold on to it according to what you're saying?","start":869.04,"end":872.82,"sentiment":"neutral","sentiment_score":-0.03029309834043185},{"text":"I hear about investment.","start":873.015,"end":883.435,"sentiment":"neutral","sentiment_score":-0.08029809314757586}],"sentiment":"neutral","sentiment_score":-0.29125599190592766,"num_words":37,"start":727.61005,"end":883.435},{"sentences":[{"text":"That's why I put you guys as adviser for my times.","start":883.575,"end":888.39,"sentiment":"neutral","sentiment_score":0.026666831394488163},{"text":"So no.","start":888.39,"end":899.65,"sentiment":"neutral","sentiment_score":-0.1109737753868103},{"text":"Actually, my I my sugar didn't drop.","start":899.79004,"end":902.055,"sentiment":"neutral","sentiment_score":-0.2251967191696167},{"text":"I think I was with.","start":902.295,"end":903.595,"sentiment":"neutral","sentiment_score":-0.11141157150268555},{"text":"My sugar didn't was remained the same.","start":903.895,"end":906.855,"sentiment":"neutral","sentiment_score":-0.2076624951192311}],"sentiment":"neutral","sentiment_score":-0.10986514884280041,"num_words":32,"start":883.575,"end":906.855},{"sentences":[{"text":"Didn't grow and didn't drop.","start":906.855,"end":908.395,"sentiment":"neutral","sentiment_score":-0.18821437656879425},{"text":"It was being managed by the by themselves, and then I got a phone call from Oakville.","start":909.815,"end":915.115,"sentiment":"neutral","sentiment_score":0.020203557084588444},{"text":"Yeah.","start":930.47,"end":930.97,"sentiment":"neutral","sentiment_score":0.06687269359827042},{"text":"I yeah.","start":931.425,"end":933.58496,"sentiment":"neutral","sentiment_score":0.0352333914488554},{"text":"I haven't engaged in March.","start":933.58496,"end":935.02496,"sentiment":"neutral","sentiment_score":-0.04980650916695595}],"sentiment":"neutral","sentiment_score":-0.02364348272482554,"num_words":30,"start":906.855,"end":935.02496},{"sentences":[{"text":"So but yeah.","start":935.02496,"end":936.805,"sentiment":"neutral","sentiment_score":0.02923687423268954},{"text":"I I have I have already looked into my sugar properly recently, basically.","start":943.345,"end":949.29,"sentiment":"neutral","sentiment_score":0.0015103759673925547},{"text":"Yeah.","start":950.95,"end":951.19,"sentiment":"neutral","sentiment_score":0.0573638416826725},{"text":"I think I should be more, like, looking into my sugar to see what's going on.","start":951.19,"end":954.81,"sentiment":"neutral","sentiment_score":0.0038147305604070425},{"text":"Would it be like the super funds put into invest on the property?","start":984.50494,"end":988.285,"sentiment":"neutral","sentiment_score":-0.12754805901875862}],"sentiment":"neutral","sentiment_score":-0.03113868970261968,"num_words":46,"start":935.02496,"end":988.285},{"sentences":[{"text":"No.","start":1002.55005,"end":1002.79004,"sentiment":"neutral","sentiment_score":-0.2504621744155884},{"text":"I haven't got that ability yet.","start":1002.79004,"end":1004.65,"sentiment":"neutral","sentiment_score":-0.31691507746775943},{"text":"Yeah.","start":1009.03,"end":1009.19,"sentiment":"neutral","sentiment_score":0.009738819673657416},{"text":"Yeah.","start":1009.19,"end":1009.69,"sentiment":"neutral","sentiment_score":0.02029452472925186},{"text":"Yeah.","start":1009.91003,"end":1010.15,"sentiment":"neutral","sentiment_score":0.022331122308969498}],"sentiment":"neutral","sentiment_score":-0.20995881725102664,"num_words":10,"start":1002.55005,"end":1010.15},{"sentences":[{"text":"Yeah.","start":1010.15,"end":1010.31006,"sentiment":"neutral","sentiment_score":0.022356633096933365},{"text":"I would think of, like, investment property.","start":1010.31006,"end":1012.55005,"sentiment":"neutral","sentiment_score":0.01623469258525542},{"text":"You know?","start":1012.55005,"end":1013.13,"sentiment":"neutral","sentiment_score":0.014636046253144741},{"text":"Yeah.","start":1016.095,"end":1016.595,"sentiment":"neutral","sentiment_score":0.09294415265321732},{"text":"Yeah.","start":1043.635,"end":1044.135,"sentiment":"neutral","sentiment_score":-0.13055449724197388}],"sentiment":"neutral","sentiment_score":0.010638435759271184,"num_words":12,"start":1010.15,"end":1044.135},{"sentences":[{"text":"So how many percent is the actual?","start":1076.425,"end":1078.4451,"sentiment":"neutral","sentiment_score":0.006103099722947393},{"text":"Yeah, how much is the, like how many percent is much of it is an add to that?","start":1081.8099,"end":1086.39,"sentiment":"neutral","sentiment_score":0.024518426197270553},{"text":"So the market index is more like lower risk.","start":1130.415,"end":1133.375,"sentiment":"neutral","sentiment_score":0.0364484079182148},{"text":"Is that right?","start":1133.375,"end":1134.27,"sentiment":"neutral","sentiment_score":0.1110708937048912},{"text":"Yep.","start":1167.1699,"end":1167.6699,"sentiment":"neutral","sentiment_score":0.15566256642341614}],"sentiment":"neutral","sentiment_score":0.0342359023266717,"num_words":38,"start":1076.425,"end":1167.6699},{"sentences":[{"text":"Yep.","start":1207.765,"end":1208.265,"sentiment":"neutral","sentiment_score":0.0762847363948822},{"text":"Okay.","start":1210.405,"end":1210.905,"sentiment":"neutral","sentiment_score":-0.03138924390077591},{"text":"Okay.","start":1228.665,"end":1229.165,"sentiment":"neutral","sentiment_score":0.05010443925857544},{"text":"Like you said, it's the 10%.","start":1229.305,"end":1230.665,"sentiment":"neutral","sentiment_score":0.04434573402007421},{"text":"Yeah?","start":1230.665,"end":1231.0651,"sentiment":"neutral","sentiment_score":0.02178092673420906}],"sentiment":"neutral","sentiment_score":0.0382855262607336,"num_words":10,"start":1207.765,"end":1231.0651},{"sentences":[{"text":"In the actual Understand.","start":1231.0651,"end":1234.4551,"sentiment":"neutral","sentiment_score":0.021129727363586426},{"text":"Okay.","start":1265.595,"end":1266.095,"sentiment":"neutral","sentiment_score":0.10922334343194962},{"text":"I'm gonna remember that again.","start":1266.155,"end":1267.775,"sentiment":"neutral","sentiment_score":0.08624896258115769},{"text":"I will return November.","start":1287.715,"end":1289.895,"sentiment":"neutral","sentiment_score":0.010525363963097334},{"text":"This year, November, I will return to work.","start":1293.315,"end":1297.91,"sentiment":"neutral","sentiment_score":-0.016983620822429657}],"sentiment":"neutral","sentiment_score":0.02414634341204708,"num_words":22,"start":1231.0651,"end":1297.91},{"sentences":[{"text":"So couple of months.","start":1299.5701,"end":1300.79,"sentiment":"neutral","sentiment_score":-0.003228553105145693},{"text":"Yeah.","start":1311.4349,"end":1311.9349,"sentiment":"neutral","sentiment_score":0.034171633422374725},{"text":"It's the price I feel like the price I pay is not covering enough of my cover.","start":1396.785,"end":1402.0651,"sentiment":"negative","sentiment_score":-0.4500809346928316},{"text":"Yes?","start":1402.0651,"end":1402.5651,"sentiment":"neutral","sentiment_score":-0.16553618013858795},{"text":"I just wonder if any other company will offer better deals.","start":1414.48,"end":1418.3401,"sentiment":"neutral","sentiment_score":-0.08492296561598778}],"sentiment":"neutral","sentiment_score":-0.2567590373732588,"num_words":34,"start":1299.5701,"end":1418.3401},{"sentences":[{"text":"I haven't changed.","start":1470.48,"end":1471.36,"sentiment":"neutral","sentiment_score":-0.21384811898072562},{"text":"My house hasn't changed.","start":1471.36,"end":1472.5801,"sentiment":"neutral","sentiment_score":-0.20139314234256744},{"text":"Yep.","start":1488.415,"end":1488.915,"sentiment":"neutral","sentiment_score":0.06369135528802872},{"text":"My name is actually ninety years.","start":1517.145,"end":1522.8,"sentiment":"neutral","sentiment_score":-0.01605139020830393},{"text":"Actually, ninety years.","start":1522.8,"end":1523.44,"sentiment":"neutral","sentiment_score":0.004011277012371768}],"sentiment":"neutral","sentiment_score":-0.08633529889630154,"num_words":17,"start":1470.48,"end":1523.44},{"sentences":[{"text":"Right.","start":1523.44,"end":1523.94,"sentiment":"neutral","sentiment_score":0.03622546046972275},{"text":"You know, work for some years for four years.","start":1525.36,"end":1527.5399,"sentiment":"neutral","sentiment_score":0.014224167292316755},{"text":"And then the nursing oh, that Yeah.","start":1528.0,"end":1535.325,"sentiment":"neutral","sentiment_score":0.004061578174254724},{"text":"Probably, yeah, fourteen years, something like that in the industry.","start":1535.325,"end":1539.105,"sentiment":"neutral","sentiment_score":-0.004137403145432472},{"text":"Yeah.","start":1540.125,"end":1540.445,"sentiment":"neutral","sentiment_score":0.01021479070186615}],"sentiment":"neutral","sentiment_score":0.005768384734567787,"num_words":28,"start":1523.44,"end":1540.445},{"sentences":[{"text":"And that's I wrote yeah.","start":1540.445,"end":1544.065,"sentiment":"neutral","sentiment_score":0.013063973560929299},{"text":"I've been working for them for four 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think my new info is W115.","start":2453.175,"end":2457.675,"sentiment":"neutral","sentiment_score":0.019180431429828917},{"text":"Yeah.","start":2471.73,"end":2472.05,"sentiment":"neutral","sentiment_score":0.12612682580947876},{"text":"That's right.","start":2472.05,"end":2472.79,"sentiment":"neutral","sentiment_score":0.16814392060041428},{"text":"So the okay.","start":2519.92,"end":2521.52,"sentiment":"neutral","sentiment_score":0.2040271759033203},{"text":"I got the income income protection.","start":2521.52,"end":2523.54,"sentiment":"neutral","sentiment_score":0.14295264333486557}],"sentiment":"neutral","sentiment_score":0.10876184603885601,"num_words":19,"start":2453.175,"end":2523.54},{"sentences":[{"text":"So the trauma what what the trauma cover?","start":2525.36,"end":2528.18,"sentiment":"neutral","sentiment_score":0.00042908126488327807},{"text":"The it cover the What about the 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work?","start":2852.58,"end":2858.28,"sentiment":"neutral","sentiment_score":-0.27369022369384766},{"text":"Yeah.","start":2897.015,"end":2897.255,"sentiment":"neutral","sentiment_score":-0.072625070810318},{"text":"Yeah.","start":2897.255,"end":2897.575,"sentiment":"neutral","sentiment_score":-0.1071394458413124},{"text":"I just wanna compare to see how how this other company, you know, was if the other company has bad offers.","start":2897.575,"end":2904.2148,"sentiment":"neutral","sentiment_score":-0.2086376899055072}],"sentiment":"neutral","sentiment_score":-0.2263860160795351,"num_words":48,"start":2846.675,"end":2904.2148},{"sentences":[{"text":"Or Okay.","start":2904.2148,"end":2935.53,"sentiment":"neutral","sentiment_score":0.09604504704475403},{"text":"Yeah.","start":2935.53,"end":2936.03,"sentiment":"neutral","sentiment_score":0.2673095166683197},{"text":"I think so far it's okay.","start":2950.795,"end":2952.655,"sentiment":"positive","sentiment_score":0.5082457264264425}],"sentiment":"positive","sentiment_score":0.3898748854796092,"num_words":9,"start":2904.2148,"end":2952.655}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Jacob speaking.\n\nChannel 0: Good morning, Jackie. It's Carl calling from Ophi Financial. How are you today?\n\nChannel 1: No. Bye. Thanks.\n\nChannel 0: That's good to hear. I've got you scheduled in for a bit of a follow-up following you in your review. Is now still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Just to get started on that call there, Jack, if I could just pass you through security with that name, date of birth, and current address so we can jump into that one.\n\nChannel 1: 20 Of October 1986. 33 Way, Granville.\n\nChannel 0: Perfect. Thanks for that one, Jackie. Now following your annual review there, I had you booked in just for a follow-up regarding your insurances there and just a potential review of those. Correct?\n\nChannel 1: Yeah. Insurance also, I wanna review my gross for the year for the last five years. I think I've been with Oakville for five years. Right?\n\nChannel 0: In terms of, like, your time on board, I believe you came on around 2022.\n\nChannel 1: Two thousand two or 2020.\n\nChannel 0: I'll just have a quick so I'll just have a quick look on the file and see where it goes back there. I have only sort of information starting around sort of, you know, May 2022, if that sounds about correct.\n\nChannel 1: I don't know. I thought it was 2020. Hold on. Maybe I no.\n\nChannel 0: Because I've just got, like, your initial, like, SOA was signed the 2022.\n\nChannel 1: Okay. So I've been with Oakville '22, and now it's '25 '26. So is it four years?\n\nChannel 0: Yeah. So roughly four years coming up to that in a few months in terms of time on board. So you're saying you wanted to review your portfolio, was it, or just as\n\nChannel 1: Yep.\n\nChannel 0: in\n\nChannel 1: Resume my portfolio and the insurance as well. The portfolio yeah.\n\nChannel 0: So were you just looking at something there, Jacky? Yep.\n\nChannel 1: Yeah. Yeah. I just wanna know for the last four years, and what is my my growth?\n\nChannel 0: So for the last twelve months there, it was around 7.84% after fees in terms of a return. And then, largely, due to the return this year was because of a comp like, the underlying actively managed fund, Venlo. So with that, they have an underlying investment called corporate traveler, and that was done for not reporting correctly to consumers and also to the market as a whole. So as a result of that, they were put on a trading hold. And because it was a key holding in Benlong, it did cause quite an effect to that managed fund.\n\nNow as a, like, a business decision, they are looking at removing Benlong and moving away from that even though you sort of never wanna sort of sell low by high, but just in the fact that they don't have much confidence or conviction in that asset moving forward. So that's something we could definitely look at being updated. Pardon me. And then I know I can't remember what date it would have been, but I believe you did have an investment update somewhere along the lines from when you originally came on board. So since inception, you do have quite a number of assets across the the board there.\n\nBut I can let you know that since you've been on board after fees, you've done around 33.9%, and it works out to be around 8.12 percent per annum as, like, a rolling figure if you sort of just divided that by your time on board.\n\nChannel 1: Is that so that's not included with my, you know, my company contribution?\n\nChannel 0: No. So that's, like, your growth in the period, like, the performance. So, obviously, you do have withdrawals coming out with insurances and adviser fees and the investment costs and taxes associated as well. So that's also included as, like, part of, like, your withdrawals. And as your deposit's going in, it's around sort of, I believe, 11,000 with the last twelve month period from, like, employer pay contributions that have gone in in that period of time.\n\nChannel 1: 11,000. I think for I think a year, my company contribute around more than 7,000 a year. Is that right?\n\nChannel 0: 11,000. Sorry. 11,400 was, like, just over a 12 month period from, like, the 2025 to the 2026. Just from when this report was generated today, over a twelve month period, it was around 11,400 in terms of, like, employer paid deposits into your account.\n\nChannel 1: That's from my employer.\n\nChannel 0: Yeah. Employer deposits.\n\nChannel 1: So on top of that, how much profit I earn from the investment?\n\nChannel 0: So the growth for the last twelve months was around 8,700, and the income in that period was around 3,000, so around 11,800 in terms of, like, the growth in the period, and then minus the withdrawals, the, like, the costs of investing, investing changes, and then also tax associated plus adviser fees and administration costs as well and your insurance costs.\n\nChannel 1: And then you're saying that my net profit was 8,000? That's apart from the contribution from my company?\n\nChannel 0: So the the total earnings is around 11,800. So the growth just on capital growth in assets was around 8,700, and then the income earned from, like, dividends and interest earned on certain assets is around $3,090.\n\nChannel 1: Sorry. That's after the tax after the, like, otherwise repeat.\n\nChannel 0: The percentage returns after, like, taking into account the adviser fees administration costs and those with the 7.84% return.\n\nChannel 1: I can't afford to present it then. Okay. Yeah. I just don't want to know for the next, you know, next year or next five years if we can increase the growth more, you know, in terms of the\n\nChannel 0: Yep. So with that one,\n\nChannel 1: investment.\n\nChannel 0: you're currently in a growth option. Now in saying that, that's about an $80.20 split, about 80% growth asset, about 20% defensive assets. You can look at increasing that to, like, a high growth. It's, like, the next one sort of up from that, and it's about a 90 tenths, but of 90% growth assets and about 10% defensive assets in terms of, like, the allocations that you do hold. Now with your time to retirement, given that you've got quite a bit of time left before you do, like, hit 60, which is, like, the general condition of release to be able to start accessing some of your funds, you do have plenty of time to, like, look at increasing your risk.\n\nNow when you increase your risk, there's no guarantee that you're going to increase the the returns that you do experience as well. So you are taking on more risk to position yourself to potentially get higher returns, but sometimes that isn't always the case as well, which is something to be mindful of. So currently being in that growth allocation there, the expected return sort of sits between, like, the seven to 9% per annum, like expected return, and it's like volatility sits around sort of 11% of, like, ups and downs you can have experienced. When you go to, like, a high growth, it sort of sits to the expected returns trying to be around the eight to 10% as an average, and then the expected volatility can be anywhere from sort of 14% of ups and downs, if that makes sense.\n\nChannel 1: Okay. That's in the high profile. Yeah.\n\nChannel 0: Yeah. And a high growth if you were to sort of look at bumping it up. So over a longer period of time, if you were to hold the investment, obviously, you can potentially get higher returns if you stay within that high growth sort of allocation and just ride out those fluctuations. But sometimes, obviously, if you do have, like, a a bad year, which is sort of expected in those high growth between, like, one and four years, you expect to have maybe a bad year, especially, you know, with things going on in the market at the moment. And, the conflict that is occurring overseas.\n\nIt's quite uncertain what the markets are\n\nChannel 1: Oh.\n\nChannel 0: gonna do for the next twelve months at least. So that's the sort of risk you take when increasing your exposure to those growth assets, that volatility that can occur as well.\n\nChannel 1: So what is that otherwise? I should stay where I am now?\n\nChannel 0: It just depends on what your sort of aversion to risk is. So I can do a quick risk profile and just sort of see where you're at in terms of your risk tolerance because it's more than fine to say that you want higher risk for higher returns. But if you do experience a drop in the market and then wanna look at sort of changing the investments because you don't like the fact that it's going backwards, then that can sort of negatively impact you more so than if you just stay, like, in a growth, if you do start changing things when there are dips and those sort of occurrences that do happen, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. I can run through a quick risk profile there, Jack, and sort of see what your sort of responses will be and get a gauge of where you might sort of fall within that sort of spectrum.\n\nChannel 1: I think during COVID, I only be panic. You know? Like, I don't want to lose too much. You know? But I'm not sure what's the situation now with the war happening.\n\nChannel 0: Yeah. Yeah. As I said, like, the market as a whole may be quite volatile until that sort of settles down where, like, the you can obviously, you know, have the potential upsides of it going up. But with those sort of events, you never know what sort of the the downside might be in those terms as well. Not to say that you're completely protected in your current portfolio.\n\nLike, you still have 20% defensive assets, which is a lot higher allocation if you were to bump it up, but you still have quite a number of assets allocated to, like, the growth side of things, which can be effective in those sort of market situations as well. And the the thing with that too, Jack, is you're not, like, losing in the, like, sense that, like, if it does go down, as long as you're happy to hold the assets, it's more than fine to, like, you know, have the potential to come back up as well. But when you sort of start selling, when they do sort of hit, like, those drops and do go backwards and you go more defensive then, that it can sort of impact it. As long as you're sort of happy to hold investments, you can sort of see the the potential upside of that as well.\n\nChannel 1: No.\n\nChannel 0: Did you wanna complete the risk profile now just to go over that quickly?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. Have you had direct share investments before there, Jackie?\n\nChannel 1: Sir, have what?\n\nChannel 0: Direct share investments, like any sort of shares, you know, crypto, anything like that that you've owned personally?\n\nChannel 1: No. I no.\n\nChannel 0: Yep. No. That's fine. And then in regards to investing, sort of if you were to sort of change your investments, you're still investing that long term. You don't really wanna change it too much.\n\nYou just wanna make sure it's appropriate moving forward.\n\nChannel 1: Yes.\n\nChannel 0: Yep. And then with inflation and the cost of living sort of going up over time and money being worth that little bit less each year, are you willing to accept, like, a sort of moderate amount of risk to try and outpace that inflation and get a higher return or maybe a bit higher amount of risk to out try and outpace inflation?\n\nChannel 1: I thought I would say the moderate.\n\nChannel 0: Yep. Yep. And then if you were to sort of change your investments and then, like, six months down the track, just due to what's happening in the markets, it dropped by 20%, would you sort of look to just hold and wait for that to come back? Would you maybe put a little bit more money in to sort of see how that grows or maybe sort of you would wanna shift back to more secure assets even if it did sort of have that loss?\n\nChannel 1: I'm not quite sure about this answer. What would\n\nChannel 0: Yep.\n\nChannel 1: you do?\n\nChannel 0: So, generally, if you've already taken the loss, obviously, there's extenuating circumstances much like the pendulum where it has, you know, an underlying issue with sort of the fund manager and investments itself. If it's just in regards to the market much like COVID where everyone sort of took a bit of a hit in COVID, everyone's superannuation took a bit of a backward step, and then also the markets themselves weren't doing too great in that period. If you just held your investment, it's obviously come back quite well since that period of time. If you were to sort of sell out to cash and then try and time the market to come back into the market, you sort of run the risk that you missed the boat and then they return, and you're not invested at that time, and you miss out on that potential growth. So, generally, if you do have, like, sort of conviction in the investments moving forward, you'd sort of hold and wait and sort of see what the return would look like because if you were to sell, like, things like cash or fixed interest bonds at that time, right, you're only gonna get, like, the the set fixed interest, you know, CPI cash rate and things like that where you don't have the potential upside even though you've already lost the money.\n\nSo you kind of sort of hinder yourself to return that growth by crystalizing those losses, if that makes sense.\n\nChannel 1: But would there be a higher moral risk of losing more if I hold that position?\n\nChannel 0: So that's, like, the thing within regards to you know, like, the GFC and things like that as well. Obviously, everyone took quite a big hit that if you just were to stay invested and not worry about the dip, and then as long as you're not a retiree and looking to access your money, you've got the time on your side to basically return in that period because at some point, you will have to reenter the market, and you never know when the bottom of the market's going to be. So if you were to sort of sell out at a loss and then sort of just wait, you know, if and sort of see how it goes, the market could return when you're not invested. And then, yes, it could also still go down a little bit, but then you're trying to play the risk of timing the market to reenter. And if you could miss the boat in terms of, like, it returning, and it could go past where you were originally when you sold out, and you may be buying sort of less than what you originally had in that period.\n\nAnd so you're kind of losing twice in that scenario versus, like, if you were just to stay in the market and sort of, like, just ride it out.\n\nChannel 1: Okay. I guess just hold on to it according to what you're saying? I\n\nChannel 0: Yep. Yep. Obviously, it's a personal preference there as well, but it does sound like you're quite, like, sort of adverse to, like, you know, those losses and those downturns. With\n\nChannel 1: hear about investment. That's why I put you guys as adviser for\n\nChannel 0: yeah.\n\nChannel 1: my times. So\n\nChannel 0: And when, like, your superannuation did drop around, like, the COVID time as well, were you quite concerned and anxious about that and sort of that's why you sought advice originally?\n\nChannel 1: no. Actually, my I my sugar didn't drop. I think I was with. My sugar didn't was remained the same. Didn't grow and didn't drop.\n\nIt was being\n\nChannel 0: Yep.\n\nChannel 1: managed by the by themselves, and then I got a phone call from Oakville.\n\nChannel 0: Yep. I believe back then, it might have been, like, a a third party that may have contacted you and referred you on to Tokyo, but that's more than fine as long as you're still happy with the service.\n\nChannel 1: Yeah. I yeah. I haven't engaged in March. So but yeah.\n\nChannel 0: Yep. So you haven't had any issues with, like, the service you have received so far? You just maybe haven't taken\n\nChannel 1: I\n\nChannel 0: advantage of it as\n\nChannel 1: I\n\nChannel 0: much\n\nChannel 1: have\n\nChannel 0: as you want.\n\nChannel 1: I have already looked into my sugar properly recently, basically.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I think I should be more, like, looking into my sugar to see what's going on.\n\nChannel 0: Yep. Understandable. Obviously, you're a bit busy having a new child as well. So that can be, yeah, quite time consuming. So understandable there.\n\nBut in regards to borrowed money as well there, Jackie, would you ever put borrowed money into anything other than, like, property? Like, would you ever put it into, like, a risky investment, so if you anything like that, or you'd solely only put borrowed money towards your your house?\n\nChannel 1: Would it be like the super funds put into invest on the property?\n\nChannel 0: No. No. So in regards to, like, you've obviously taken out a loan for your property, and that's borrowed money from the bank. Would you ever, like, borrow from the bank to put it into, like, an other investment that wasn't your sole property or an investment property or anything else?\n\nChannel 1: No. I haven't got that ability yet.\n\nChannel 0: Yeah. Just as, like, sort of, you know, hypothetically, if you did\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. I would think of, like, investment property.\n\nYou know?\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Not a problem at all. So currently, it does still leave you as a growth investor there, Jackie, which is what you currently align with that with that eighty twenty split in terms of, like, risk and taking on risk for return, which is still more than adequate. You know, it does seem like you're a little bit risk adverse in terms of, like, you know, your superannuation and it sort of dropping or not given those circumstances. Obviously, with it being a bit of a volatile, you're changing things then can be\n\nChannel 1: Yeah.\n\nChannel 0: quite, you know, hit and miss in terms of, like, no one actually knows what the markets are gonna do. As I said, as a business decision, they are moving away from that that along managed fund. So with that, we can look to just replace that within a market index, which is basically you're not paying a a fund manager. You're just following the index much like basically you're not paying a a fund manager. You're just following the index much like the rest of your portfolio, but you don't have the chance to outperform the market, or we can look to replace it with an active portion, another managed fund, basically, to replace that Ben Long that hasn't been performing for you.\n\nChannel 1: So how many percent is the actual?\n\nChannel 0: Within the Benelon.\n\nChannel 1: Yeah, how much is the, like how many percent is much of it is an add to that?\n\nChannel 0: So 10% is to that managed fund Benelon, which is that active component of that. The rest of your portfolio is, like, a ETFs across that, which is, like, the more passive index options, which are cheaper. And also, obviously, the markets have been doing well as a whole. So they've been performing quite well apart from the cyber side of things. Security, AI, and those sort of tech companies did take a little bit of a a downward spiral in January there.\n\nBut they do have high conviction that those will return, and they're still gonna play a major part moving forward. Whereas the the managed fund been long hasn't done too great, and they are looking to remove that and change it for an alternative whether that's passive or not.\n\nChannel 1: So the market index is more like lower risk. Is that right?\n\nChannel 0: Yeah. So you don't carry the manager risk. You still have the same allocation to growth assets. So if you were to move away from active management, you still have, like, that eighty twenty sort of split in regards to, like, growth assets versus defensive. A fund manager basically just tries to find value in the market, whether that's, you know, through, like, profit sharing, through, like, company share, holding of the the market, and, like, how they're performing as a whole, depending on what the fund manager looks for, to try and find companies that they believe are gonna perform better than what the indexes are doing.\n\nSo you're paying\n\nChannel 1: Yep.\n\nChannel 0: for someone to try and make those bets where they get companies that are worth more or growing more. Whereas the index just follows, like, you know, depends what index you're in across multitude of companies. So, like, the S and P 500 is your top 500 companies in America. And as companies grow and fall, they sort of fall in and out of that 500. You hold that top 500 in that investment.\n\nSo it's fluid in the sense that if a company starts performing badly, they may fall out of that top 500, and you'll no longer hold that investment. But it's less centralized, and there's no sort of real potential upside to outperform the markets because you're just following what the markets are doing, whereas the fund manager tries to actively beat those markets by picking\n\nChannel 1: Yep.\n\nChannel 0: and choosing winners, basically.\n\nChannel 1: Okay.\n\nChannel 0: Now in regards to that, Jackie, would you still wanna keep an an active portion in that, or would you rather sort of just go the passive for the moment and then maybe review at a later date?\n\nChannel 1: Okay. Like you said, it's the 10%. Yeah? In the actual\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Understand.\n\nChannel 0: Yeah. As I said, like, it didn't perform quite well the the past twelve months given what did occur at the November there. But even then, it hasn't impacted your portfolio significantly to where it sort of had too much of a negative impact. So from that, obviously, you know, you can still look to have an active portion to try and have that little bit of, like, aggressive performance because even if it rises or falls, it doesn't hurt your portfolio by much. And if it does well, it obviously does better for your portfolio.\n\nChannel 1: Okay. I'm gonna remember that again.\n\nChannel 0: Yep. We'll just look to update that with an active portion there. Now in regards to the insurances there, Jackie, now I know you're currently on maternity leave. Did you plan on returning to work shortly? How long do you think you sort of stay on maternity leave before you return?\n\nChannel 1: I will return November.\n\nChannel 0: In November, was it? Sorry.\n\nChannel 1: This year, November, I will return to work. So couple of months.\n\nChannel 0: Yep. Yep. So you'll still be at home caring for your child for probably another sort of six or so months?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Because with that, were you a part time worker or casual when you left your employment? Part time. Yep. Perfect.\n\nSo with that there, we can obviously look to review that currently. But given you are on maternity leave, when rewriting the policy, some may rate you just a little bit worse off given that you are stay at home mother currently, and, obviously, you're still returning to work. You still have that job there that can you can go back to. So it's definitely an option to review. The other option there is I know you wanted to increase your cover as well as sort of review it as a whole.\n\nSo another option there as well, your policy does renew around July, and you can when having children and things like that. It's called, like, a life event, and you can do, like, a free increase through your your insurer without having to go through underwriting up to 25% or 200,000 depending on what the lower amount is, which given your policy would be the 200,000. So you could look to increase your life by 200,000 without underwriting. The other alternative is to go back to the market and then see how they'll assess you, and we'll have to just sort of do a quick pre assessment questionnaire just to make sure that nothing's changed into your original policy. Because I know you're concerned a little bit with the price as well.\n\nNow you definitely can\n\nChannel 1: It's the price I feel like the price I pay is not covering enough of my cover. Yes?\n\nChannel 0: so at the moment, you pay around 2,400 as an annual premium to insurances, and I'll just see if that's before or after the the rebate. Let me just check.\n\nChannel 1: I just wonder if any other company will offer better deals.\n\nChannel 0: Yes. So with that one, in regards to going back to market, given the age of policy, you definitely can go and have a look to see what that may look like in terms of what you're paying currently versus what the market's willing to offer. So you do get a 15% rebate inside superannuation. So you're currently paying around 2,000, which obviously goes up a little bit each year for the 800,000 of life PPD and the income protection portion. Now the only thing we're going back to market there is if anything's changed in regards to your health, like a pregnancy is not an issue, but anything health wise that has occurred in the last sort of four to five years that isn't originally an exclusion on your current policy may end up being an exclusion on your policy if your health has changed, if that makes sense.\n\nChannel 1: I haven't changed. My house hasn't changed.\n\nChannel 0: Yep. All still largely unchanged. Perfect. And would you have time to complete a bit of a pre assessment questionnaire just in regards to your occupation that it was and a little bit about your health, family history, and that at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Bear with me. I'll just bring it up. Let me check.\n\nYou were working as a registered nurse. Is that correct? Yep. And how long have you been doing that specific role?\n\nChannel 1: My name is actually\n\nChannel 0: Sorry. Cut out just a little bit. What was that?\n\nChannel 1: ninety years. Actually, ninety years. Right. You know, work for some years for four years. And then\n\nChannel 0: So\n\nChannel 1: the nursing\n\nChannel 0: four years current role and then maybe twelve years industry?\n\nChannel 1: oh, that Yeah. Probably, yeah, fourteen years, something like that in the industry.\n\nChannel 0: Put it. And\n\nChannel 1: Yeah.\n\nChannel 0: then\n\nChannel 1: And\n\nChannel 0: four\n\nChannel 1: that's\n\nChannel 0: years in your current role?\n\nChannel 1: I wrote yeah. I've been working for them for four years. Yep.\n\nChannel 0: Perfect. And was your annual income around the 72,000 as a part time worker?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And you're doing around sixty four hours of fortnight?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And then with that one, would you be returning to part time work when you went back, or would you be doing, like, casual work? Or\n\nChannel 1: I'll be part time.\n\nChannel 0: Yep. And then with that, you've just got your bachelor of nursing in relation to that degree. Do you have any other qualifications?\n\nChannel 1: Just bachelor nursing. No.\n\nChannel 0: Perfect. And you've never declared bankruptcy or entered a part nine debt agreement at all there. Have you checked it?\n\nChannel 1: Bankruptcy. No.\n\nChannel 0: Yeah. Okay. Brilliant. And then in regards to your manual duties that you do there, what ward are you in? Are you sort of lifting patients or doing anything physical in regards to your role?\n\nLike,\n\nChannel 1: Sorry. I missed that.\n\nChannel 0: manual duties? Like, what ward are you on? Are you sort of assisting with helping patients, lifting\n\nChannel 1: Code. I'll\n\nChannel 0: patients?\n\nChannel 1: be in medical. Yeah. So\n\nChannel 0: Yep. And then with that, do you do many manual lifting duties or anything like\n\nChannel 1: yes.\n\nChannel 0: that?\n\nChannel 1: We do yeah. We do include manual handling.\n\nChannel 0: Yep. And what does that sort of entail, if you don't mind me asking, Jackie?\n\nChannel 1: Like, carrying patient, like, with the machines? Would you using machines, sir?\n\nChannel 0: So you're only ever really sort of rolling them between, like, the lifts and\n\nChannel 1: Yes.\n\nChannel 0: harnesses?\n\nChannel 1: Probably provides pressure care. You gotta load them and get them up. Sometimes if the patient cannot get himself up, you just have to use the machines to get them up. It's always by two staff.\n\nChannel 0: Yep. And then do you travel at all for your work between, like, different places, or you're just at the one?\n\nChannel 1: Just one place for now. Just one place.\n\nChannel 0: Yep. And are you handling any hazardous materials apart from sort of medication? Do you hand like, you're handling needles and\n\nChannel 1: Yeah.\n\nChannel 0: yep. Any anything to do with radiation or anything like that?\n\nChannel 1: Oh, not radiation for now. More like, accumulation.\n\nChannel 0: Sorry. I cut out a little bit. What was that? Sorry.\n\nChannel 1: Like, accumulation. Like, you just talk about\n\nChannel 0: Oh,\n\nChannel 1: take\n\nChannel 0: cannula. Yeah. Sorry. Yep. And do you intend to change your employment within the next twelve months of, like, returning or anything like that?\n\nChannel 1: No.\n\nChannel 0: Yep. And you don't have a second job at all?\n\nChannel 1: I'm not sure. I have a\n\nChannel 0: Yep.\n\nChannel 1: look for it.\n\nChannel 0: Yep. And do you intend to travel or live overseas in the next sort of twelve months or longer?\n\nChannel 1: No planning to go yet.\n\nChannel 0: So you maybe go on a trip sort of in the future?\n\nChannel 1: Maybe. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I'm planning it.\n\nChannel 0: Perfect. And then do you participate in any sports or pastimes or any hobbies? Obviously, with the trial, that's probably a little bit on the back burner, but do you have any sports that you play or anything like that in your free time?\n\nChannel 1: No. I do running.\n\nChannel 0: Yep. And do you smoke at all at the moment there?\n\nChannel 1: No.\n\nChannel 0: Okay. And do you or have you sort of used illicit substances in the last sort of five to ten years?\n\nChannel 1: No.\n\nChannel 0: Brilliant. And currently, at the moment, I have your height and weight around one seventy and seventy. Obviously, having a child so recently, that's maybe changed a little bit. Is that sort of roughly the same? Or\n\nChannel 1: What's one my height?\n\nChannel 0: One seventy nine is what I've got.\n\nChannel 1: One sixty nine. I was now I'm one seventy nine. I was one sixty nine.\n\nChannel 0: January? Okay. That was probably just a typo there. And then as far as your wife, do you know roughly what you're weighing at the moment, Jackie? I know it's quite personal question, but\n\nChannel 1: No.\n\nChannel 0: it's just\n\nChannel 1: It's seventy seventy six point six.\n\nChannel 0: seventy six?\n\nChannel 1: Seventy six point six. Yeah.\n\nChannel 0: And then, obviously, the the weight loss was just in regards to having a child. You obviously weighed a little bit more back in October having a baby inside you?\n\nChannel 1: Yeah. Yeah. That's right.\n\nChannel 0: Yeah. And do you drink at the moment, Jackie, in terms of, like, standard drink\n\nChannel 1: No.\n\nChannel 0: no drinking? Perfect. Now these are just going to be a few medical questions just in regards to family. So this is related to specifically, like, mothers, brothers, sisters, you know, like your parents, siblings, not sort of aunties, uncles. So I'll just rattle off these questions.\n\nJust feel free to stop me if anything sort of pops up that you have a family history or know of. But any family history of heart attacks, heart attacks, or heart disease, sorry, or strokes?\n\nChannel 1: No.\n\nChannel 0: Yep. Any multiple sclerosis, Parkinson's disease, or Alzheimer's in the family?\n\nChannel 1: No.\n\nChannel 0: Motor sorry. Muscular dystrophy, Huntington's, or motor neurone disease?\n\nChannel 1: No.\n\nChannel 0: Any sort of history of bowel cancers, melanomas, anything like that?\n\nChannel 1: No.\n\nChannel 0: Polycystic kidney disease, breast ovarian cancers, or any mental health conditions?\n\nChannel 1: No.\n\nChannel 0: Yep. Any history of cardiomyopathy or any diabetes or anything like that?\n\nChannel 1: I got gestational diabetes, but that's when I had the baby.\n\nChannel 0: Yeah. And is that being cleared up now now that you've had the the chart, or is that still ongoing that you're being treated for?\n\nChannel 1: Probably finished. Finished. I haven't go back to doctor, but I was on an injury. Now I'm no no longer an issue anymore.\n\nChannel 0: Yep. And when was the date of that diagnosis that they've sort of realized that you had testational diabetes?\n\nChannel 1: I don't know why I got pregnant. So last year, probably May.\n\nChannel 0: Yep. And then with that, was that just during one of your checkups that they found that out with your blood test and things like that?\n\nChannel 1: Yeah. It was just a check. I I actually found out myself.\n\nChannel 0: Okay. Did you have symptoms that made you do a check? Or\n\nChannel 1: I just randomly checked my sugar at work and then I see it's very high. So I may just after I found out maybe I have gestational. I went to the doctors and they found out.\n\nChannel 0: Okay. Yeah. So you weren't really having any symptoms just being in the medical field. You decide to, you know, be proactive? Yep.\n\nNo problem. And when was the last time that you took insulin for that one?\n\nChannel 1: Angeline.\n\nChannel 0: Yeah. When was the last time you had a dose of insulin\n\nChannel 1: So\n\nChannel 0: for\n\nChannel 1: that\n\nChannel 0: that condition?\n\nChannel 1: one for, like, the dates probably, she went on the October 19. So I had it on the eighth twenty eighth the October 18. After before, my shoe will go back to normal.\n\nChannel 0: Yep. And when was the the first time you sort of started taking the insulin because of that? Was sort of around May as\n\nChannel 1: Usually.\n\nChannel 0: well? When was the first was around May when you first started taking the insulin for that?\n\nChannel 1: Yes. Something like that.\n\nChannel 0: Yep. And then how often did you have to take the insulin as a result of that?\n\nChannel 1: Three times a day.\n\nChannel 0: Yep. And you said you've just got to get a full, like, a a checkup that you've made a full recovery otherwise to make sure that it's fine?\n\nChannel 1: I haven't checked that, but I should go back to doctors. I have one thing.\n\nChannel 0: Yep.\n\nChannel 1: But but sugar is okay at the moment. I should do,\n\nChannel 0: Yes.\n\nChannel 1: like, day check myself, but I haven't got back to doctor to check properly.\n\nChannel 0: Yeah. Okay. No problem. Do you plan on doing that sort of soon? Because, generally, when that you have to go check up or, like, intend to go see a medical professional for any reason, you they wanna hold off just to see what the results of that are.\n\nSo do you plan on doing that sort of shortly?\n\nChannel 1: Yeah. Definitely, we'll go back to doctors to check to make sure everything is cleared. Yeah.\n\nChannel 0: Yep. Do you reckon you'll do that sort of in this month? Or\n\nChannel 1: Yeah. Something like that. I just want to go maybe eat more healthy, you know, so I can okay.\n\nChannel 0: yep. Because with that, we just may have to wait until you sort of get cleared by the doctors themselves. Obviously, you know, being in the medical profession, you probably understand that, like, you know, just as some diabetes generally does sort of fall off once you have your your child. And then with that, you just not need the the doctors all clear from that checkup just because they wanna see if anything else comes from that checkup as well, if that makes sense.\n\nChannel 1: Okay.\n\nChannel 0: Just with anything, even if you were just going for a standard health check for, like, medical fee, you know, just for your yearly check, they'd normally sort of hold off on offering sort of terms for cover just in case anything came from the checkup you were going to see, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So we might just have to we'll still sort of do it anyway. And then from that, we'll basically just wait\n\nChannel 1: Yes.\n\nChannel 0: until\n\nChannel 1: I'm\n\nChannel 0: you've had you to.\n\nChannel 1: diabetic. That's all gonna affect my premium. Is that right?\n\nChannel 0: The gestational diabetes doesn't make much of a difference. No. But if you were to sort of get diagnosed ongoing with continuous, like, diabetes, like, type one, then or two, then that can affect in terms of, like, exclusions and loading, which\n\nChannel 1: No.\n\nChannel 0: is something we have been mindful of. Obviously, gestational diabetes is something that's due to pregnancy. So if you do get the all clear from the doctor, it should be fine. As far as, like, anything else that comes up from that, even if you weren't going in there for any specific reason, you were just going for a doctor's checkup, the insurers would likely wait until you've had that checkup before they were willing to offer terms just in case something did come up from that if that makes sense.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. But that's fine. We'll still sort of start the process and continue with that one. And then from there, we can obviously look the the options depending on when you do actually go get your your checkup done. But any other family history that you can think of in regards to, like, your mother's brothers, sisters, anything like that?\n\nChannel 1: My mother probably got my mother has diabetes.\n\nChannel 0: She does have diabetes?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And is that type one or two?\n\nChannel 1: Up to.\n\nChannel 0: Yep. And then when was she diagnosed with that?\n\nChannel 1: Probably two years ago.\n\nChannel 0: Two years ago? And do you know how old she was roughly when that was diagnosed?\n\nChannel 1: She's 61, so she will be fifty fifty nine.\n\nChannel 0: And so I just did a typo that did you say it was type one diabetes? Oh, two. Sorry. Sorry. My workbook just played up on me there for a little bit.\n\nAnd anything else you can think of in relation to the family?\n\nChannel 1: No. Just a just a diabetic. I think my mom has and pretty much everybody else is healthy.\n\nChannel 0: Yep. Yeah. Okay. Brilliant. And now these questions here related specifically to yourself there, Jackie.\n\nSo I understand that these can be quite prying, but, obviously, the insurers just do wanna know, obviously, your complete health history. So I do apologize if some of these do come across a little bit harsh, but I'll run through these same as the family questions, and you can just let me know if anything pops up. But\n\nChannel 1: Yep.\n\nChannel 0: have you suffered from any stress, anxiety, depression, or mental health?\n\nChannel 1: No.\n\nChannel 0: Yep. Any skin cancers, tumors, skin lesions, moles, or cysts?\n\nChannel 1: No.\n\nChannel 0: Yep. Any back issues, neck strains, pain, sciatica, or spondylitis, or any back or neck problems?\n\nChannel 1: No.\n\nChannel 0: Yep. Any bone joint fractures, muscle, ligament tears, any gout or arthritis, anything like that?\n\nChannel 1: No.\n\nChannel 0: Yep. Any HIV,\n\nChannel 1: No.\n\nChannel 0: Hep B, or C? Yep. Any heart conditions? Blood\n\nChannel 1: No.\n\nChannel 0: conditions or previous surgeries? Yep. Any diagnosis of cancers, respiratory, asthma issues, anything like that?\n\nChannel 1: No.\n\nChannel 0: Any disease or conditions of the eyes or ears? Any high cholesterol or skin conditions that you've been diagnosed with?\n\nChannel 1: No. No.\n\nChannel 0: Yep. Any thyroid condition or any other health conditions that you can think of? Perfect. And now these ones can be a little bit forward there as well, but have you had any abnormal cervical pap smear tests including the detection of h I HPV or any abnormalities? Yep.\n\nAny abnormal vaginal bleeding within the last twelve months, obviously, apart from having\n\nChannel 1: No.\n\nChannel 0: a child?\n\nChannel 1: No.\n\nChannel 0: Yep. Any breast lumps or abnormal mammograms or breast ultrasound? Sorry, Jackie. Did you hear me on that one?\n\nChannel 1: No.\n\nChannel 0: Oh, sorry. So in regards to your checkups, obviously, you just plan on going for a bit of a checkup for the gestational diabetes and then obviously just in regards to your general health probably for having a child and then the baby checkup as well. But can you think of any other health conditions or anything else that you sort of might have left out not that matching up to those questions at all?\n\nChannel 1: No.\n\nChannel 0: Perfect. So what we'll do from there, Jackie, we'll just basically send those off to the insurers and just see how they'll rate you in terms of cover. As I said, they will wait until such time that you do get an all clear from the doctor, basically. So we'll just pre assess based on the fact that you get the all clear check and see what they'll offer terms at in terms of the pricing and the cover that's available. And then it should be fine at the moment that you're currently on maternity leave if you're going back to part time work and that's not changing.\n\nBut we'll see if that's still the the case when we go to that. Otherwise, we can just review it at such time that you are returned to work. Now I know you did want to increase the cover amount for your life and total permanent disability portion. Have you had a thought about what you wanted to increase that to or what you'd want to cover for?\n\nChannel 1: I think my new info is W115.\n\nChannel 0: 1.5. Yep. Was that just having the child you wanna ensure that, you know, if something were to happen to you that they can be looked after? Is that sort of the mindset behind that?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yep. Perfect. We can have a look at 1.5 and then maybe even a million dollars worth of cover and just see what the pricing difference will look like that. Now given that we're looking at cover again there, Jackie, we can essentially look at trauma insurance as well, which I know you originally didn't go ahead with there. So within regards to trauma insurance, just to refresh your memory, that's like the insurance that covers for things like heart attacks, strokes.\n\nIt's a premium that's paid out of pocket. But in saying that, it can sort of bridge the gap if you were to suffer a condition like a heart attack or a stroke where you may not meet the condition of income protection or total permanent disability, but it can sort of assist in covering sort of medical costs and some time off work if something like that were to occur, if that makes sense.\n\nChannel 1: So the okay. I got the income income protection.\n\nChannel 0: Yep.\n\nChannel 1: So the trauma what what the trauma cover? The\n\nChannel 0: So\n\nChannel 1: it\n\nChannel 0: it\n\nChannel 1: cover\n\nChannel 0: covers\n\nChannel 1: the\n\nChannel 0: for, like, trauma traumatic events. It is a lump sum payment that can be that pays like, you pay out of pocket full. It can't be held within superannuation like your other covers. And then say if you were to suffer a heart attack so with your income protection policy, you have to be sick or injured off work for more than thirty days to be able to start claiming on your income protection. If you were to suffer sort of a a heart attack, but you're only off work for a couple of weeks and then you can cleared and return to work, you may not be able to claim on that income protection policy.\n\nWhereas if you did suffer it and had trauma cover, the likelihood of that white pay, if it was covered under their conditions, then you would get that lump sum payment and be able to take some time off work. Now you you run the sense that if you do have some suffer from something that is still covered under income protection, you aren't going to work within that sort of month period and you do meet the condition of paying an income protection claim, you'd still get covered on that. Whereas just that trauma cover can cover certain things. Yeah. It's a lump sum payment in addition to, you know, some people might get diagnosed with certain skin cancers and other cancers where you may not be medically unfit to work yet, and you still have to work to cover bills and expenses because you can't just opt to not work.\n\nYou have to be unable to work for income protection, if that makes sense.\n\nChannel 1: What about the TPD? Like, say well, if you have cancer, obviously, you go through k mode, you won't be able to work. Is it considered as a TPD?\n\nChannel 0: So with TBD, you have to be signed off by a specialist and another medical professional that you will not be returning to work, like, ever. Like, you're totally permanently disabled and not returning to the workforce, which is quite, like, severe in terms of that, whereas the trauma, you've just gotta meet one of the conditions in terms of that. So it sort of bridges the gap between those types of covers where you may suffer something that isn't related to that where you can make a claim that would be valid. But it's one of the more claimed on types of insurances, if that makes sense, because you just have to be hit with one of those conditions that are listed. Obviously, it's different between the different providers.\n\nBut in saying that, it can sort of pay with some of those ones you might not be eligible to pay or might not be yet, if that makes sense. Like, if you got cancer and then you sort of end up totally permanently disabled where you're not working, that may sort of take, you know, six to eight months if it's quite severe. It might take years if it's not as severe or and it sort of just progresses, whereas the trauma payment would sort of pay as you get diagnosed with the condition.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. That's what about the income protection? How many like, how long the income protection can protect you?\n\nChannel 0: So with income protection, the the policy that you have there, it's basically a a sixty day waiting period and a five year benefit period. So you would actually have to be off work or not able to work for sixty days before you'd be able to claim on that. And then if you did make a successful claim, it would pay for up to five years for that monthly benefit amount, which, yeah, in saying that as well, like, some conditions, you may not be sick or off work for that sixty days, if that makes sense.\n\nChannel 1: So the trauma to tell me how long the trauma will cover you?\n\nChannel 0: It's just a lump sum payment. So as long as you meet the condition of that trauma policy or just pay out, like, as soon as you sort of get diagnosed and do the process of the claim and then what however long that takes to go through the claims process.\n\nChannel 1: How much is the lump sum?\n\nChannel 0: So\n\nChannel 1: Covered.\n\nChannel 0: generally generally, we just sort of do as a base amount just a year's worth of income depending on that. Some people like to do more, some people like to do less, some people like to do the after tax amount. Obviously, there's certain taxes involved with lump sum payments, so we generally aim for about a year's worth of income replacement. So if you do suffer one of those conditions that are covered, you just get, like, a year's worth of salary. So if you were to take some time off work or cover certain medical expenses.\n\nChannel 1: Okay.\n\nChannel 0: Is that something you wanna look at and see what the general\n\nChannel 1: Yeah.\n\nChannel 0: pricing might look like?\n\nChannel 1: Yeah. Probably. Yeah.\n\nChannel 0: Yep. No problem. We can have a look and see what they'll look at in terms of that as well. And would you just be looking to do around sort of a year's worth of income, say around the the 75,000 mark? Or\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And then with your income protection, given that it's the sixty day wait at the moment, is there something you wanted to review and potentially look at what thirty days look like? Are you happy with the sixty days? Then the event that anything did happen, you'd have to be off work for sixty days to make a claim.\n\nChannel 1: Actually, you know what? If I call the trauma, like, the trauma one cover, that should be fine. Yeah?\n\nChannel 0: So as I said, it doesn't always marry up, but sometimes, yeah, it it would work out to where, like, you can get the trauma policy and then sort of sixty days later if you're still off working and sort of look at IP and use that as a sort of risk mitigation tool. But that's not always the case that some conditions would be covered under trauma. Like, if you're just sort of just got the the flu and then you're unable to work and it sort of keeps going on, that might be not considered under trauma, but it might sort of be able to claim on an income protection policy same with, like, certain broken bones and things like that. Whereas if you\n\nChannel 1: What what about my let's say, I'm having a baby. Would that come as income reduction if I'm not able to claim from the work?\n\nChannel 0: No. See, it it just you have to be medically unfit to work from injury or illness, not just that you've sort of had a child and don't wanna return from work sort of thing or just, like, to conflict. So you gotta meet, like, the strict definition still under the PDFs to be able to claim on certain conditions. We can have a look and see what the the pricing looks like, but if you do, it our concern with cost as well, income protection is the more expensive insurance cover. And by reducing that down to thirty days, the in premium will likely increase quite significantly as opposed to that sixty days.\n\nChannel 1: Yeah. Yeah. I just wanna compare to see how how this other company, you know, was if the other company has bad offers. Or\n\nChannel 0: Yep. No problem. We can have a look at that in between the sixty and thirty, and then we might even look at sort of a a two year benefit period and a thirty day to where you it wouldn't pay for as long. So the five year benefit period is quite comprehensive in the sense that if you were sort of injured or illness and if you're off work for five years, the likelihood of you returning to work is quite slim. You can look at a two year benefit period, which is less that if you do end up on a claim, it would only pay for two years, but that can sort of reduce pricing and cost as well.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: But we can just compare a few of those options there for you. Jackie, just to show you what that looks like. But do you have any other questions or concerns that you want addressed at this time?\n\nChannel 1: I think so far it's okay.\n\nChannel 0: Yep. As I said, we'll start that process there for you, and then we'll just get a start on that. As I said, it may sort of take a little bit longer because we will have to get confirmation after you've sort of had that checkup to be cleared. So once you sort of have that, if you could reach out just via email or text and just let us know if you just got cleared and everything's fine and that doctor didn't find anything else, then we can sort of still proceed as well. Perfect.\n\nBut do you have any other questions for me, Jackie, while you've got me there? No problem. Well, I'll let you get back to your day. Sorry to take up so much of your time this morning. Good luck with your your child in the back, and then we'll we'll we'll talk soon, I'm sure.\n\nNo problem, Jackie. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.0,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.07674948871135712},{"text":"Jacob speaking.","start":2.1599998,"end":2.98,"sentiment":"neutral","sentiment_score":0.07262206450104713}],"sentiment":"neutral","sentiment_score":0.07399787257115047,"channel":1,"num_words":3,"start":2.0,"end":2.98},{"sentences":[{"text":"Good morning, Jackie.","start":3.36,"end":4.08,"sentiment":"positive","sentiment_score":0.41935773690541583},{"text":"It's Carl calling from Ophi Financial.","start":4.08,"end":5.68,"sentiment":"neutral","sentiment_score":0.2701585168639819},{"text":"How are you today?","start":5.68,"end":6.58,"sentiment":"neutral","sentiment_score":0.2981918379664421}],"sentiment":"neutral","sentiment_score":0.31321474336660826,"channel":0,"num_words":13,"start":3.36,"end":6.58},{"sentences":[{"text":"No.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.016958799213171005},{"text":"Bye.","start":7.2,"end":7.44,"sentiment":"neutral","sentiment_score":0.08705072104930878},{"text":"Thanks.","start":7.44,"end":7.94,"sentiment":"positive","sentiment_score":0.3907860517501831}],"sentiment":"neutral","sentiment_score":0.1649318573375543,"channel":1,"num_words":3,"start":6.8799996,"end":7.94},{"sentences":[{"text":"That's good to hear.","start":8.4,"end":9.2,"sentiment":"positive","sentiment_score":0.6810839772224426},{"text":"I've got you scheduled in for a bit of a follow-up following you in your review.","start":9.2,"end":11.679999,"sentiment":"neutral","sentiment_score":0.3304332159459591},{"text":"Is now still a good time for you?","start":11.679999,"end":13.125,"sentiment":"neutral","sentiment_score":0.29852800257503986}],"sentiment":"positive","sentiment_score":0.3714104065937655,"channel":0,"num_words":28,"start":8.4,"end":13.125},{"sentences":[{"text":"Yep.","start":13.36,"end":13.86,"sentiment":"neutral","sentiment_score":0.279474675655365}],"sentiment":"neutral","sentiment_score":0.279474675655365,"channel":1,"num_words":1,"start":13.36,"end":13.86},{"sentences":[{"text":"Perfect.","start":14.885,"end":15.385,"sentiment":"positive","sentiment_score":0.5025360584259033},{"text":"Just to get started on that call there, Jack, if I could just pass you through security with that name, date of birth, and current address so we can jump into that one.","start":15.764999,"end":22.265,"sentiment":"neutral","sentiment_score":0.24539386639089295}],"sentiment":"neutral","sentiment_score":0.2529568720389815,"channel":0,"num_words":34,"start":14.885,"end":22.265},{"sentences":[{"text":"20 Of October 1986.","start":23.224998,"end":25.485,"sentiment":"neutral","sentiment_score":0.015093495370820165},{"text":"33 Way, Granville.","start":26.52,"end":28.060001,"sentiment":"neutral","sentiment_score":0.04739579496284326}],"sentiment":"neutral","sentiment_score":0.028937338053115776,"channel":1,"num_words":7,"start":23.224998,"end":28.060001},{"sentences":[{"text":"Perfect.","start":29.779999,"end":30.02,"sentiment":"positive","sentiment_score":0.5423197746276855},{"text":"Thanks for that one, Jackie.","start":30.02,"end":31.08,"sentiment":"positive","sentiment_score":0.663392698764801},{"text":"Now following your annual review there, I had you booked in just for a follow-up regarding your insurances there and just a potential review of those.","start":31.3,"end":39.62,"sentiment":"neutral","sentiment_score":0.23179267919980562},{"text":"Correct?","start":39.62,"end":40.12,"sentiment":"neutral","sentiment_score":0.15154142677783966}],"sentiment":"neutral","sentiment_score":0.3041646774068023,"channel":0,"num_words":33,"start":29.779999,"end":40.12},{"sentences":[{"text":"Yeah.","start":40.925003,"end":41.245003,"sentiment":"neutral","sentiment_score":0.07240107655525208},{"text":"Insurance also, I wanna review my gross for the year for the last five years.","start":41.245003,"end":46.685,"sentiment":"neutral","sentiment_score":0.05304374222954114},{"text":"I think I've been with Oakville for five years.","start":46.685,"end":49.805,"sentiment":"neutral","sentiment_score":0.041896633389923305},{"text":"Right?","start":49.805,"end":50.305,"sentiment":"neutral","sentiment_score":0.04205212742090225}],"sentiment":"neutral","sentiment_score":0.0495068860741762,"channel":1,"num_words":26,"start":40.925003,"end":50.305},{"sentences":[{"text":"In terms of, like, your time on board, I believe you came on around 2022.","start":51.815002,"end":56.315002,"sentiment":"neutral","sentiment_score":0.012648641566435496}],"sentiment":"neutral","sentiment_score":0.012648641566435496,"channel":0,"num_words":15,"start":51.815002,"end":56.315002},{"sentences":[{"text":"Two thousand two or 2020.","start":55.41,"end":59.99,"sentiment":"neutral","sentiment_score":0.012073947489261628}],"sentiment":"neutral","sentiment_score":0.012073947489261628,"channel":1,"num_words":5,"start":55.41,"end":59.99},{"sentences":[{"text":"I'll just have a quick so I'll just have a quick look on the file and see where it goes back there.","start":61.15,"end":70.475,"sentiment":"neutral","sentiment_score":0.020825615237382324},{"text":"I have only sort of information starting around sort of, you know, May 2022, if that sounds about correct.","start":70.695,"end":78.395,"sentiment":"neutral","sentiment_score":-0.024149721243271704}],"sentiment":"neutral","sentiment_score":-0.00001661386340856552,"channel":0,"num_words":41,"start":61.15,"end":78.395},{"sentences":[{"text":"I don't know.","start":80.67,"end":81.47,"sentiment":"neutral","sentiment_score":-0.11001816640297572},{"text":"I thought it was 2020.","start":81.47,"end":83.25,"sentiment":"neutral","sentiment_score":-0.09647326767444611},{"text":"Hold on.","start":84.19,"end":84.67,"sentiment":"neutral","sentiment_score":-0.06169617921113968},{"text":"Maybe I no.","start":84.67,"end":86.93,"sentiment":"neutral","sentiment_score":-0.1238308846950531}],"sentiment":"neutral","sentiment_score":-0.10056198846835357,"channel":1,"num_words":13,"start":80.67,"end":86.93},{"sentences":[{"text":"Because I've just got, like, your initial, like, SOA was signed the 2022.","start":95.925,"end":101.465004,"sentiment":"neutral","sentiment_score":-0.05256834769478211}],"sentiment":"neutral","sentiment_score":-0.05256834769478211,"channel":0,"num_words":13,"start":95.925,"end":101.465004},{"sentences":[{"text":"Okay.","start":101.925,"end":102.325,"sentiment":"neutral","sentiment_score":0.0004892908036708832},{"text":"So I've been with Oakville '22, and now it's '25 '26.","start":102.325,"end":106.325,"sentiment":"neutral","sentiment_score":0.009605136488310316},{"text":"So is it four years?","start":106.325,"end":107.945,"sentiment":"neutral","sentiment_score":0.0017931906506419182}],"sentiment":"neutral","sentiment_score":0.006771279142840821,"channel":1,"num_words":17,"start":101.925,"end":107.945},{"sentences":[{"text":"Yeah.","start":109.060005,"end":109.380005,"sentiment":"neutral","sentiment_score":0.016171304509043694},{"text":"So roughly four years coming up to that in a few months in terms of time on board.","start":109.380005,"end":114.600006,"sentiment":"neutral","sentiment_score":0.025006963767939143},{"text":"So you're saying you wanted to review your portfolio, was it, or just as","start":115.060005,"end":119.14,"sentiment":"neutral","sentiment_score":0.017245280955518996}],"sentiment":"neutral","sentiment_score":0.021446381385127705,"channel":0,"num_words":33,"start":109.060005,"end":119.14},{"sentences":[{"text":"Yep.","start":119.090004,"end":119.590004,"sentiment":"neutral","sentiment_score":0.03961949050426483}],"sentiment":"neutral","sentiment_score":0.03961949050426483,"channel":1,"num_words":1,"start":119.090004,"end":119.590004},{"sentences":[{"text":"in","start":119.14,"end":119.64,"sentiment":"neutral","sentiment_score":0.021995244547724724}],"sentiment":"neutral","sentiment_score":0.021995244547724724,"channel":0,"num_words":1,"start":119.14,"end":119.64},{"sentences":[{"text":"Resume my portfolio and the insurance as well.","start":119.81,"end":122.23,"sentiment":"neutral","sentiment_score":0.053846856113523245},{"text":"The portfolio yeah.","start":122.37,"end":131.875,"sentiment":"neutral","sentiment_score":0.02010270083944003}],"sentiment":"neutral","sentiment_score":0.04464390467513691,"channel":1,"num_words":11,"start":119.81,"end":131.875},{"sentences":[{"text":"So were you just looking at something there, Jacky?","start":145.72499,"end":147.745,"sentiment":"neutral","sentiment_score":0.010881618286172548},{"text":"Yep.","start":147.965,"end":148.465,"sentiment":"neutral","sentiment_score":0.02238401770591736}],"sentiment":"neutral","sentiment_score":0.01203185822814703,"channel":0,"num_words":10,"start":145.72499,"end":148.465},{"sentences":[{"text":"Yeah.","start":148.77,"end":148.93001,"sentiment":"neutral","sentiment_score":0.0328565388917923},{"text":"Yeah.","start":148.93001,"end":149.17,"sentiment":"neutral","sentiment_score":0.022516557946801186},{"text":"I just wanna know for the last four years, and what is my my growth?","start":149.17,"end":152.835,"sentiment":"neutral","sentiment_score":-0.004444055010875066}],"sentiment":"neutral","sentiment_score":-0.0006639840190901476,"channel":1,"num_words":17,"start":148.77,"end":152.835},{"sentences":[{"text":"So for the last twelve months there, it was around 7.84% after fees in terms of a return.","start":154.765,"end":163.37999,"sentiment":"neutral","sentiment_score":-0.03380716053975953},{"text":"And then, largely, due to the return this year was because of a comp like, the underlying actively managed fund, Venlo.","start":163.92,"end":170.98,"sentiment":"neutral","sentiment_score":-0.02256876877730801},{"text":"So with that, they have an underlying investment called corporate traveler, and that was done for not reporting correctly to consumers and also to the market as a whole.","start":172.385,"end":182.625,"sentiment":"neutral","sentiment_score":-0.19477571881022945},{"text":"So as a result of that, they were put on a trading hold.","start":182.625,"end":185.425,"sentiment":"neutral","sentiment_score":-0.26610536644091976},{"text":"And because it was a key holding in Benlong, it did cause quite an effect to that managed fund.","start":185.425,"end":190.98,"sentiment":"negative","sentiment_score":-0.342604827724005}],"sentiment":"neutral","sentiment_score":-0.16699830370023847,"channel":0,"num_words":100,"start":154.765,"end":190.98},{"sentences":[{"text":"Now as a, like, a business decision, they are looking at removing Benlong and moving away from that even though you sort of never wanna sort of sell low by high, but just in the fact that they don't have much confidence or conviction in that asset moving forward.","start":191.59999,"end":204.53499,"sentiment":"negative","sentiment_score":-0.45891433285207167},{"text":"So that's something we could definitely look at being updated.","start":204.83499,"end":207.655,"sentiment":"neutral","sentiment_score":0.1580430470407009},{"text":"Pardon me.","start":208.435,"end":209.415,"sentiment":"neutral","sentiment_score":-0.11618904024362564},{"text":"And then I know I can't remember what date it would have been, but I believe you did have an investment update somewhere along the lines from when you originally came on board.","start":209.635,"end":218.17,"sentiment":"neutral","sentiment_score":0.04080590549291986},{"text":"So since inception, you do have quite a number of assets across the the board there.","start":218.71,"end":223.91,"sentiment":"neutral","sentiment_score":0.19651248771697283}],"sentiment":"neutral","sentiment_score":-0.15134504759176212,"channel":0,"num_words":110,"start":191.59999,"end":223.91},{"sentences":[{"text":"But I can let you know that since you've been on board after fees, you've done around 33.9%, and it works out to be around 8.12 percent per annum as, like, a rolling figure if you sort of just divided that by your time on board.","start":223.91,"end":237.925,"sentiment":"neutral","sentiment_score":0.20052575044657872}],"sentiment":"neutral","sentiment_score":0.20052575044657872,"channel":0,"num_words":46,"start":223.91,"end":237.925},{"sentences":[{"text":"Is that so that's not included with my, you know, my company contribution?","start":237.955,"end":244.215,"sentiment":"neutral","sentiment_score":-0.03382315744574253}],"sentiment":"neutral","sentiment_score":-0.03382315744574253,"channel":1,"num_words":13,"start":237.955,"end":244.215},{"sentences":[{"text":"No.","start":246.08,"end":246.24,"sentiment":"neutral","sentiment_score":-0.19586440920829773},{"text":"So that's, like, your growth in the period, like, the performance.","start":246.24,"end":249.3,"sentiment":"neutral","sentiment_score":-0.06083951009945436},{"text":"So, obviously, you do have withdrawals coming out with insurances and adviser fees and the investment costs and taxes associated as well.","start":249.92,"end":257.025,"sentiment":"neutral","sentiment_score":0.029531008648601444},{"text":"So that's also included as, like, part of, like, your withdrawals.","start":257.26498,"end":260.165,"sentiment":"neutral","sentiment_score":0.06522108546712181},{"text":"And as your deposit's going in, it's around sort of, I believe, 11,000 with the last twelve month period from, like, employer pay contributions that have gone in in that period of time.","start":260.305,"end":271.76498,"sentiment":"neutral","sentiment_score":0.002003020691600713}],"sentiment":"neutral","sentiment_score":0.007283522986257687,"channel":0,"num_words":78,"start":246.08,"end":271.76498},{"sentences":[{"text":"11,000.","start":274.33002,"end":275.23,"sentiment":"neutral","sentiment_score":0.002196916379034519},{"text":"I think for I think a year, my company contribute around more than 7,000 a year.","start":279.85,"end":285.29,"sentiment":"neutral","sentiment_score":-0.003376850043423474},{"text":"Is that right?","start":285.29,"end":286.19,"sentiment":"neutral","sentiment_score":0.011138767624894777}],"sentiment":"neutral","sentiment_score":-0.000920819072052836,"channel":1,"num_words":20,"start":274.33002,"end":286.19},{"sentences":[{"text":"11,000.","start":286.265,"end":286.98502,"sentiment":"neutral","sentiment_score":-0.015146437101066113},{"text":"Sorry.","start":286.98502,"end":287.305,"sentiment":"neutral","sentiment_score":-0.08063650131225586},{"text":"11,400 was, like, just over a 12 month period from, like, the 2025 to the 2026.","start":287.305,"end":294.845,"sentiment":"neutral","sentiment_score":-0.08359933830797672},{"text":"Just from when this report was generated today, over a twelve month period, it was around 11,400 in terms of, like, employer paid deposits into your account.","start":295.145,"end":303.08,"sentiment":"neutral","sentiment_score":0.07066489245604586}],"sentiment":"neutral","sentiment_score":0.010546216554939748,"channel":0,"num_words":45,"start":286.265,"end":303.08},{"sentences":[{"text":"That's from my employer.","start":303.55,"end":304.61,"sentiment":"neutral","sentiment_score":0.11440060846507549}],"sentiment":"neutral","sentiment_score":0.11440060846507549,"channel":1,"num_words":4,"start":303.55,"end":304.61},{"sentences":[{"text":"Yeah.","start":306.09998,"end":306.41998,"sentiment":"neutral","sentiment_score":0.13599500060081482},{"text":"Employer deposits.","start":306.41998,"end":307.4,"sentiment":"neutral","sentiment_score":0.12864504382014275}],"sentiment":"neutral","sentiment_score":0.1310950294137001,"channel":0,"num_words":3,"start":306.09998,"end":307.4},{"sentences":[{"text":"So on top of that, how much profit I earn from the investment?","start":308.50998,"end":312.68997,"sentiment":"neutral","sentiment_score":0.17622450108711535}],"sentiment":"neutral","sentiment_score":0.17622450108711535,"channel":1,"num_words":13,"start":308.50998,"end":312.68997},{"sentences":[{"text":"So the growth for the last twelve months was around 8,700, and the income in that period was around 3,000, so around 11,800 in terms of, like, the growth in the period, and then minus the withdrawals, the, like, the costs of investing, investing changes, and then also tax associated plus adviser fees and administration costs as well and your insurance costs.","start":313.95502,"end":336.58002,"sentiment":"neutral","sentiment_score":0.19432378043570825}],"sentiment":"neutral","sentiment_score":0.19432378043570825,"channel":0,"num_words":62,"start":313.95502,"end":336.58002},{"sentences":[{"text":"And then you're saying that my net profit was 8,000?","start":337.18,"end":340.30002,"sentiment":"neutral","sentiment_score":0.12649036794900895},{"text":"That's apart from the contribution from my company?","start":340.30002,"end":344.0,"sentiment":"neutral","sentiment_score":0.08219260489568114}],"sentiment":"neutral","sentiment_score":0.10680247325864103,"channel":1,"num_words":18,"start":337.18,"end":344.0},{"sentences":[{"text":"So the the total earnings is around 11,800.","start":345.055,"end":348.495,"sentiment":"neutral","sentiment_score":0.15539373457431793},{"text":"So the growth just on capital growth in assets was around 8,700, and then the income earned from, like, dividends and interest earned on certain assets is around $3,090.","start":348.495,"end":359.11,"sentiment":"neutral","sentiment_score":0.1896202009299706}],"sentiment":"neutral","sentiment_score":0.18221988388009974,"channel":0,"num_words":37,"start":345.055,"end":359.11},{"sentences":[{"text":"Sorry.","start":359.59998,"end":360.09998,"sentiment":"neutral","sentiment_score":-0.21085017919540405},{"text":"That's after the tax after the, like, otherwise repeat.","start":361.19998,"end":365.06,"sentiment":"neutral","sentiment_score":-0.31368623673915863}],"sentiment":"neutral","sentiment_score":-0.30340263098478315,"channel":1,"num_words":10,"start":359.59998,"end":365.06},{"sentences":[{"text":"The percentage returns after, like, taking into account the adviser fees administration costs and those with the 7.84% return.","start":366.625,"end":373.765,"sentiment":"neutral","sentiment_score":-0.2942988605875718}],"sentiment":"neutral","sentiment_score":-0.2942988605875718,"channel":0,"num_words":19,"start":366.625,"end":373.765},{"sentences":[{"text":"I can't afford to present it then.","start":374.345,"end":376.04498,"sentiment":"negative","sentiment_score":-0.6470745972224644},{"text":"Okay.","start":376.345,"end":376.845,"sentiment":"neutral","sentiment_score":-0.13042378425598145},{"text":"Yeah.","start":377.865,"end":378.185,"sentiment":"neutral","sentiment_score":-0.14553239941596985},{"text":"I just don't want to know for the next, you know, next year or next five years if we can increase the growth more, you know, in terms of the","start":378.185,"end":388.76,"sentiment":"neutral","sentiment_score":-0.23226849883794784}],"sentiment":"neutral","sentiment_score":-0.30188546998378557,"channel":1,"num_words":39,"start":374.345,"end":388.76},{"sentences":[{"text":"Yep.","start":389.135,"end":389.535,"sentiment":"neutral","sentiment_score":-0.04255294427275658},{"text":"So with that one,","start":389.535,"end":390.415,"sentiment":"neutral","sentiment_score":0.05050713662058115}],"sentiment":"neutral","sentiment_score":0.0318951204419136,"channel":0,"num_words":5,"start":389.135,"end":390.415},{"sentences":[{"text":"investment.","start":390.34,"end":390.84,"sentiment":"neutral","sentiment_score":0.01953217387199402}],"sentiment":"neutral","sentiment_score":0.01953217387199402,"channel":1,"num_words":1,"start":390.34,"end":390.84},{"sentences":[{"text":"you're currently in a growth option.","start":390.415,"end":392.195,"sentiment":"neutral","sentiment_score":0.03406265812615553},{"text":"Now in saying that, that's about an $80.20 split, about 80% growth asset, about 20% defensive assets.","start":392.255,"end":398.355,"sentiment":"neutral","sentiment_score":0.0564623558345963},{"text":"You can look at increasing that to, like, a high growth.","start":399.215,"end":403.23,"sentiment":"neutral","sentiment_score":0.18707244910977103},{"text":"It's, like, the next one sort of up from that, and it's about a 90 tenths, but of 90% growth assets and about 10% defensive assets in terms of, like, the allocations that you do hold.","start":403.23,"end":414.77,"sentiment":"neutral","sentiment_score":0.09681615823258956},{"text":"Now with your time to retirement, given that you've got quite a bit of time left before you do, like, hit 60, which is, like, the general condition of release to be able to start accessing some of your funds, you do have plenty of time to, like, look at increasing your risk.","start":415.125,"end":428.64502,"sentiment":"neutral","sentiment_score":-0.02758404131943606}],"sentiment":"neutral","sentiment_score":0.0426460198747615,"channel":0,"num_words":123,"start":390.415,"end":428.64502},{"sentences":[{"text":"Now when you increase your risk, there's no guarantee that you're going to increase the the returns that you do experience as well.","start":428.64502,"end":438.35,"sentiment":"neutral","sentiment_score":-0.10570912581423055},{"text":"So you are taking on more risk to position yourself to potentially get higher returns, but sometimes that isn't always the case as well, which is something to be mindful of.","start":438.35,"end":446.825,"sentiment":"neutral","sentiment_score":-0.04094690805481326},{"text":"So currently being in that growth allocation there, the expected return sort of sits between, like, the seven to 9% per annum, like expected return, and it's like volatility sits around sort of 11% of, like, ups and downs you can have experienced.","start":446.825,"end":461.46,"sentiment":"neutral","sentiment_score":-0.09433735560539157},{"text":"When you go to, like, a high growth, it sort of sits to the expected returns trying to be around the eight to 10% as an average, and then the expected volatility can be anywhere from sort of 14% of ups and downs, if that makes sense.","start":461.46,"end":472.875,"sentiment":"neutral","sentiment_score":-0.09375781098261793}],"sentiment":"neutral","sentiment_score":-0.08447074618500967,"channel":0,"num_words":144,"start":428.64502,"end":472.875},{"sentences":[{"text":"Okay.","start":474.05,"end":474.55,"sentiment":"neutral","sentiment_score":0.055402372032403946},{"text":"That's in the high profile.","start":474.69,"end":476.05,"sentiment":"neutral","sentiment_score":0.12370231449604034},{"text":"Yeah.","start":476.05,"end":476.55,"sentiment":"neutral","sentiment_score":0.23732095956802368}],"sentiment":"neutral","sentiment_score":0.13017641486866133,"channel":1,"num_words":7,"start":474.05,"end":476.55},{"sentences":[{"text":"Yeah.","start":476.875,"end":477.115,"sentiment":"neutral","sentiment_score":0.25440511107444763},{"text":"And a high growth if you were to sort of look at bumping it up.","start":477.115,"end":480.095,"sentiment":"neutral","sentiment_score":0.26533025205135347},{"text":"So over a longer period of time, if you were to hold the investment, obviously, you can potentially get higher returns if you stay within that high growth sort of allocation and just ride out those fluctuations.","start":480.395,"end":490.25,"sentiment":"neutral","sentiment_score":0.2902290406259331},{"text":"But sometimes, obviously, if you do have, like, a a bad year, which is sort of expected in those high growth between, like, one and four years, you expect to have maybe a bad year, especially, you know, with things going on in the market at the moment.","start":491.19,"end":502.62997,"sentiment":"negative","sentiment_score":-0.45768761976311606},{"text":"And, the conflict that is occurring overseas.","start":502.62997,"end":505.095,"sentiment":"negative","sentiment_score":-0.4868001810141972}],"sentiment":"neutral","sentiment_score":-0.0963312372289322,"channel":0,"num_words":108,"start":476.875,"end":505.095},{"sentences":[{"text":"It's quite uncertain what the markets are","start":505.155,"end":507.315,"sentiment":"negative","sentiment_score":-0.5201819539070129}],"sentiment":"negative","sentiment_score":-0.5201819539070129,"channel":0,"num_words":7,"start":505.155,"end":507.315},{"sentences":[{"text":"Oh.","start":507.245,"end":507.745,"sentiment":"negative","sentiment_score":-0.36223381757736206}],"sentiment":"negative","sentiment_score":-0.36223381757736206,"channel":1,"num_words":1,"start":507.245,"end":507.745},{"sentences":[{"text":"gonna do for the next twelve months at least.","start":507.315,"end":509.815,"sentiment":"negative","sentiment_score":-0.4072212643093533},{"text":"So that's the sort of risk you take when increasing your exposure to those growth assets, that volatility that can occur as well.","start":510.35498,"end":516.42,"sentiment":"negative","sentiment_score":-0.41581991185312683}],"sentiment":"negative","sentiment_score":-0.41340154223144054,"channel":0,"num_words":32,"start":507.315,"end":516.42},{"sentences":[{"text":"So what is that otherwise?","start":516.685,"end":517.985,"sentiment":"neutral","sentiment_score":-0.3131850719451904},{"text":"I should stay where I am now?","start":518.205,"end":519.96,"sentiment":"neutral","sentiment_score":-0.3131673974650247}],"sentiment":"neutral","sentiment_score":-0.3131747618317604,"channel":1,"num_words":12,"start":516.685,"end":519.96},{"sentences":[{"text":"It just depends on what your sort of aversion to risk is.","start":521.06,"end":523.94,"sentiment":"neutral","sentiment_score":-0.23896989847222963},{"text":"So I can do a quick risk profile and just sort of see where you're at in terms of your risk tolerance because it's more than fine to say that you want higher risk for higher returns.","start":523.94,"end":533.525,"sentiment":"neutral","sentiment_score":0.08162939885782229},{"text":"But if you do experience a drop in the market and then wanna look at sort of changing the investments because you don't like the fact that it's going backwards, then that can sort of negatively impact you more so than if you just stay, like, in a growth, if you do start changing things when there are dips and those sort of occurrences that do happen, if that makes sense.","start":533.525,"end":551.8,"sentiment":"negative","sentiment_score":-0.41848028818486444}],"sentiment":"neutral","sentiment_score":-0.24632876237543921,"channel":0,"num_words":120,"start":521.06,"end":551.8},{"sentences":[{"text":"Yep.","start":557.35,"end":557.85,"sentiment":"neutral","sentiment_score":0.04793117940425873}],"sentiment":"neutral","sentiment_score":0.04793117940425873,"channel":1,"num_words":1,"start":557.35,"end":557.85},{"sentences":[{"text":"Yeah.","start":558.275,"end":558.675,"sentiment":"neutral","sentiment_score":0.06685011088848114},{"text":"I can run through a quick risk profile there, Jack, and sort of see what your sort of responses will be and get a gauge of where you might sort of fall within that sort of spectrum.","start":558.675,"end":566.85504,"sentiment":"neutral","sentiment_score":0.09209575373175982}],"sentiment":"neutral","sentiment_score":0.09143139470956828,"channel":0,"num_words":38,"start":558.275,"end":566.85504},{"sentences":[{"text":"I think during COVID, I only be panic.","start":566.775,"end":568.695,"sentiment":"neutral","sentiment_score":-0.10463788127526641},{"text":"You know?","start":568.695,"end":569.09503,"sentiment":"neutral","sentiment_score":-0.11716679111123085},{"text":"Like, I don't want to lose too much.","start":569.09503,"end":571.275,"sentiment":"neutral","sentiment_score":-0.23573549836874008},{"text":"You know?","start":571.495,"end":572.155,"sentiment":"neutral","sentiment_score":-0.10257215052843094},{"text":"But I'm not sure what's the situation now with the war happening.","start":573.41,"end":576.31,"sentiment":"neutral","sentiment_score":-0.1982615478336811}],"sentiment":"neutral","sentiment_score":-0.1731751092011109,"channel":1,"num_words":32,"start":566.775,"end":576.31},{"sentences":[{"text":"Yeah.","start":578.61005,"end":578.85004,"sentiment":"neutral","sentiment_score":-0.03557342663407326},{"text":"Yeah.","start":578.85004,"end":579.09,"sentiment":"neutral","sentiment_score":-0.03050193004310131},{"text":"As I said, like, the market as a whole may be quite volatile until that sort of settles down where, like, the you can obviously, you know, have the potential upsides of it going up.","start":579.09,"end":588.625,"sentiment":"neutral","sentiment_score":-0.06128137015870639},{"text":"But with those sort of events, you never know what sort of the the downside might be in those terms as well.","start":588.625,"end":594.59,"sentiment":"neutral","sentiment_score":-0.15291233293034814},{"text":"Not to say that you're completely protected in your current portfolio.","start":594.59,"end":597.97003,"sentiment":"neutral","sentiment_score":0.030538334087892013}],"sentiment":"neutral","sentiment_score":-0.07484389945332492,"channel":0,"num_words":70,"start":578.61005,"end":597.97003},{"sentences":[{"text":"Like, you still have 20% defensive assets, which is a lot higher allocation if you were to bump it up, but you still have quite a number of assets allocated to, like, the growth side of things, which can be effective in those sort of market situations as well.","start":598.27,"end":611.355,"sentiment":"neutral","sentiment_score":0.20736050423310728},{"text":"And the the thing with that too, Jack, is you're not, like, losing in the, like, sense that, like, if it does go down, as long as you're happy to hold the assets, it's more than fine to, like, you know, have the potential to come back up as well.","start":613.255,"end":626.4,"sentiment":"neutral","sentiment_score":0.20854947730898857},{"text":"But when you sort of start selling, when they do sort of hit, like, those drops and do go backwards and you go more defensive then, that it can sort of impact it.","start":626.4,"end":634.605,"sentiment":"neutral","sentiment_score":0.027983841627384678},{"text":"As long as you're sort of happy to hold investments, you can sort of see the the potential upside of that as well.","start":634.845,"end":641.345,"sentiment":"positive","sentiment_score":0.457780703254368}],"sentiment":"neutral","sentiment_score":0.20671330013823125,"channel":0,"num_words":155,"start":598.27,"end":641.345},{"sentences":[{"text":"No.","start":643.545,"end":644.045,"sentiment":"neutral","sentiment_score":-0.045570917427539825}],"sentiment":"neutral","sentiment_score":-0.045570917427539825,"channel":1,"num_words":1,"start":643.545,"end":644.045},{"sentences":[{"text":"Did you wanna complete the risk profile now just to go over that quickly?","start":646.605,"end":649.985,"sentiment":"neutral","sentiment_score":-0.016766936518251896}],"sentiment":"neutral","sentiment_score":-0.016766936518251896,"channel":0,"num_words":14,"start":646.605,"end":649.985},{"sentences":[{"text":"Yes, please.","start":650.665,"end":651.645,"sentiment":"neutral","sentiment_score":0.09589147195219994}],"sentiment":"neutral","sentiment_score":0.09589147195219994,"channel":1,"num_words":2,"start":650.665,"end":651.645},{"sentences":[{"text":"Yep.","start":652.05,"end":652.55,"sentiment":"neutral","sentiment_score":0.05757869780063629},{"text":"Have you had direct share investments before there, Jackie?","start":653.25,"end":655.91003,"sentiment":"neutral","sentiment_score":0.01633290046205123}],"sentiment":"neutral","sentiment_score":0.02045748019590974,"channel":0,"num_words":10,"start":652.05,"end":655.91003},{"sentences":[{"text":"Sir, have what?","start":656.505,"end":657.565,"sentiment":"neutral","sentiment_score":0.009260316068927446}],"sentiment":"neutral","sentiment_score":0.009260316068927446,"channel":1,"num_words":3,"start":656.505,"end":657.565},{"sentences":[{"text":"Direct share investments, like any sort of shares, you know, crypto, anything like that that you've owned personally?","start":657.73,"end":662.95,"sentiment":"neutral","sentiment_score":0.02359498178379403}],"sentiment":"neutral","sentiment_score":0.02359498178379403,"channel":0,"num_words":18,"start":657.73,"end":662.95},{"sentences":[{"text":"No.","start":663.35,"end":663.85,"sentiment":"neutral","sentiment_score":-0.21273234486579895},{"text":"I no.","start":663.99,"end":664.97,"sentiment":"neutral","sentiment_score":-0.19980067014694214}],"sentiment":"neutral","sentiment_score":-0.20411122838656107,"channel":1,"num_words":3,"start":663.35,"end":664.97},{"sentences":[{"text":"Yep.","start":665.82495,"end":666.14496,"sentiment":"neutral","sentiment_score":-0.04742981493473053},{"text":"No.","start":666.14496,"end":666.305,"sentiment":"neutral","sentiment_score":-0.18058107793331143},{"text":"That's fine.","start":666.305,"end":667.125,"sentiment":"neutral","sentiment_score":0.11329610645771027},{"text":"And then in regards to investing, sort of if you were to sort of change your investments, you're still investing that long term.","start":667.185,"end":673.26495,"sentiment":"neutral","sentiment_score":0.13400553555592246},{"text":"You don't really wanna change it too much.","start":673.26495,"end":674.865,"sentiment":"neutral","sentiment_score":-0.14962521102279425}],"sentiment":"neutral","sentiment_score":0.053820198561464035,"channel":0,"num_words":35,"start":665.82495,"end":674.865},{"sentences":[{"text":"You just wanna make sure it's appropriate moving forward.","start":674.865,"end":677.285,"sentiment":"neutral","sentiment_score":0.1376829577816857}],"sentiment":"neutral","sentiment_score":0.1376829577816857,"channel":0,"num_words":9,"start":674.865,"end":677.285},{"sentences":[{"text":"Yes.","start":677.835,"end":678.335,"sentiment":"neutral","sentiment_score":0.25622227787971497}],"sentiment":"neutral","sentiment_score":0.25622227787971497,"channel":1,"num_words":1,"start":677.835,"end":678.335},{"sentences":[{"text":"Yep.","start":679.05,"end":679.55,"sentiment":"neutral","sentiment_score":0.2547832131385803},{"text":"And then with inflation and the cost of living sort of going up over time and money being worth that little bit less each year, are you willing to accept, like, a sort of moderate amount of risk to try and outpace that inflation and get a higher return or maybe a bit higher amount of risk to out try and outpace inflation?","start":680.81,"end":695.915,"sentiment":"neutral","sentiment_score":0.0680161952262833}],"sentiment":"neutral","sentiment_score":0.07093442988116294,"channel":0,"num_words":64,"start":679.05,"end":695.915},{"sentences":[{"text":"I thought I would say the moderate.","start":696.87,"end":698.49,"sentiment":"neutral","sentiment_score":0.029352158308029175}],"sentiment":"neutral","sentiment_score":0.029352158308029175,"channel":1,"num_words":7,"start":696.87,"end":698.49},{"sentences":[{"text":"Yep.","start":699.495,"end":699.995,"sentiment":"neutral","sentiment_score":0.18011099100112915},{"text":"Yep.","start":703.255,"end":703.495,"sentiment":"neutral","sentiment_score":0.18141703307628632},{"text":"And then if you were to sort of change your investments and then, like, six months down the track, just due to what's happening in the markets, it dropped by 20%, would you sort of look to just hold and wait for that to come back?","start":703.495,"end":714.76,"sentiment":"neutral","sentiment_score":-0.0714664555600156},{"text":"Would you maybe put a little bit more money in to sort of see how that grows or maybe sort of you would wanna shift back to more secure assets even if it did sort of have that loss?","start":714.76,"end":723.47504,"sentiment":"neutral","sentiment_score":-0.07615441389572926}],"sentiment":"neutral","sentiment_score":-0.0677695525703074,"channel":0,"num_words":87,"start":699.495,"end":723.47504},{"sentences":[{"text":"I'm not quite sure about this answer.","start":725.37,"end":727.15,"sentiment":"neutral","sentiment_score":-0.2621895159993853},{"text":"What would","start":727.61005,"end":728.01,"sentiment":"neutral","sentiment_score":-0.09324805065989494}],"sentiment":"neutral","sentiment_score":-0.22464696814616522,"channel":1,"num_words":9,"start":725.37,"end":728.01},{"sentences":[{"text":"Yep.","start":727.935,"end":728.435,"sentiment":"neutral","sentiment_score":-0.047942355275154114}],"sentiment":"neutral","sentiment_score":-0.047942355275154114,"channel":0,"num_words":1,"start":727.935,"end":728.435},{"sentences":[{"text":"you do?","start":728.01,"end":728.67004,"sentiment":"neutral","sentiment_score":-0.06192154437303543}],"sentiment":"neutral","sentiment_score":-0.06192154437303543,"channel":1,"num_words":2,"start":728.01,"end":728.67004},{"sentences":[{"text":"So, generally, if you've already taken the loss, obviously, there's extenuating circumstances much like the pendulum where it has, you know, an underlying issue with sort of the fund manager and investments itself.","start":730.015,"end":739.96,"sentiment":"neutral","sentiment_score":-0.24326754406546103},{"text":"If it's just in regards to the market much like COVID where everyone sort of took a bit of a hit in COVID, everyone's superannuation took a bit of a backward step, and then also the markets themselves weren't doing too great in that period.","start":739.96,"end":751.5,"sentiment":"neutral","sentiment_score":-0.28669513712326683},{"text":"If you just held your investment, it's obviously come back quite well since that period of time.","start":752.675,"end":757.495,"sentiment":"neutral","sentiment_score":0.26744404698119445},{"text":"If you were to sort of sell out to cash and then try and time the market to come back into the market, you sort of run the risk that you missed the boat and then they return, and you're not invested at that time, and you miss out on that potential growth.","start":757.555,"end":768.68,"sentiment":"negative","sentiment_score":-0.45070902918869593},{"text":"So, generally, if you do have, like, sort of conviction in the investments moving forward, you'd sort of hold and wait and sort of see what the return would look like because if you were to sell, like, things like cash or fixed interest bonds at that time, right, you're only gonna get, like, the the set fixed interest, you know, CPI cash rate and things like that where you don't have the potential upside even though you've already lost the money.","start":769.62,"end":792.395,"sentiment":"neutral","sentiment_score":-0.06373906735239959}],"sentiment":"neutral","sentiment_score":-0.19781192780836768,"channel":0,"num_words":230,"start":730.015,"end":792.395},{"sentences":[{"text":"So you kind of sort of hinder yourself to return that growth by crystalizing those losses, if that makes sense.","start":792.395,"end":798.57,"sentiment":"negative","sentiment_score":-0.5538353458046913}],"sentiment":"negative","sentiment_score":-0.5538353458046913,"channel":0,"num_words":20,"start":792.395,"end":798.57},{"sentences":[{"text":"But would there be a higher moral risk of losing more if I hold that position?","start":799.805,"end":804.465,"sentiment":"negative","sentiment_score":-0.604581493884325}],"sentiment":"negative","sentiment_score":-0.604581493884325,"channel":1,"num_words":16,"start":799.805,"end":804.465},{"sentences":[{"text":"So that's, like, the thing within regards to you know, like, the GFC and things like that as well.","start":806.07,"end":810.835,"sentiment":"neutral","sentiment_score":-0.22350262262319265},{"text":"Obviously, everyone took quite a big hit that if you just were to stay invested and not worry about the dip, and then as long as you're not a retiree and looking to access your money, you've got the time on your side to basically return in that period because at some point, you will have to reenter the market, and you never know when the bottom of the market's going to be.","start":810.835,"end":828.57996,"sentiment":"negative","sentiment_score":-0.34472957825007505},{"text":"So if you were to sort of sell out at a loss and then sort of just wait, you know, if and sort of see how it goes, the market could return when you're not invested.","start":828.57996,"end":836.76,"sentiment":"neutral","sentiment_score":-0.28927811028228867},{"text":"And then, yes, it could also still go down a little bit, but then you're trying to play the risk of timing the market to reenter.","start":837.055,"end":842.755,"sentiment":"neutral","sentiment_score":-0.32198299926060897},{"text":"And if you could miss the boat in terms of, like, it returning, and it could go past where you were originally when you sold out, and you may be buying sort of less than what you originally had in that period.","start":843.135,"end":854.63,"sentiment":"negative","sentiment_score":-0.43923167742434}],"sentiment":"negative","sentiment_score":-0.3400260685962074,"channel":0,"num_words":196,"start":806.07,"end":854.63},{"sentences":[{"text":"And so you're kind of losing twice in that scenario versus, like, if you were just to stay in the market and sort of, like, just ride it out.","start":854.69,"end":862.23,"sentiment":"negative","sentiment_score":-0.5496219427421175}],"sentiment":"negative","sentiment_score":-0.5496219427421175,"channel":0,"num_words":29,"start":854.69,"end":862.23},{"sentences":[{"text":"Okay.","start":865.83997,"end":866.33997,"sentiment":"neutral","sentiment_score":-0.10811905562877656},{"text":"I guess just hold on to it according to what you're saying?","start":869.04,"end":872.82,"sentiment":"neutral","sentiment_score":-0.03029309834043185},{"text":"I","start":873.015,"end":873.515,"sentiment":"neutral","sentiment_score":0.004054289311170578}],"sentiment":"neutral","sentiment_score":-0.03339871045734201,"channel":1,"num_words":14,"start":865.83997,"end":873.515},{"sentences":[{"text":"Yep.","start":873.505,"end":873.905,"sentiment":"neutral","sentiment_score":0.02245369553565979},{"text":"Yep.","start":873.905,"end":874.385,"sentiment":"neutral","sentiment_score":0.014332495629787443},{"text":"Obviously, it's a personal preference there as well, but it does sound like you're quite, like, sort of adverse to, like, you know, those losses and those downturns.","start":874.385,"end":880.76996,"sentiment":"neutral","sentiment_score":-0.30008252976196154},{"text":"With","start":881.70996,"end":882.20996,"sentiment":"neutral","sentiment_score":-0.12061108648777008}],"sentiment":"neutral","sentiment_score":-0.2737463138276531,"channel":0,"num_words":31,"start":873.505,"end":882.20996},{"sentences":[{"text":"hear about investment.","start":882.375,"end":883.435,"sentiment":"neutral","sentiment_score":-0.108415553967158},{"text":"That's why I put you guys as adviser for","start":883.575,"end":887.07,"sentiment":"neutral","sentiment_score":0.03335638116631243}],"sentiment":"neutral","sentiment_score":-0.0020866026170551777,"channel":1,"num_words":12,"start":882.375,"end":887.07},{"sentences":[{"text":"yeah.","start":886.99,"end":887.49,"sentiment":"neutral","sentiment_score":0.010371416807174684}],"sentiment":"neutral","sentiment_score":0.010371416807174684,"channel":0,"num_words":1,"start":886.99,"end":887.49},{"sentences":[{"text":"my times.","start":887.07,"end":888.39,"sentiment":"neutral","sentiment_score":-0.0034361425787210464},{"text":"So","start":888.39,"end":888.83,"sentiment":"neutral","sentiment_score":-0.018790900707244873}],"sentiment":"neutral","sentiment_score":-0.008554395288228989,"channel":1,"num_words":3,"start":887.07,"end":888.83},{"sentences":[{"text":"And when, like, your superannuation did drop around, like, the COVID time as well, were you quite concerned and anxious about that and sort of that's why you sought advice originally?","start":889.885,"end":898.545,"sentiment":"neutral","sentiment_score":-0.10388757781155648}],"sentiment":"neutral","sentiment_score":-0.10388757781155648,"channel":0,"num_words":31,"start":889.885,"end":898.545},{"sentences":[{"text":"no.","start":899.15,"end":899.65,"sentiment":"neutral","sentiment_score":-0.20315665006637573},{"text":"Actually, my I my sugar didn't drop.","start":899.79004,"end":902.055,"sentiment":"neutral","sentiment_score":-0.2251967191696167},{"text":"I think I was with.","start":902.295,"end":903.595,"sentiment":"neutral","sentiment_score":-0.11141157150268555},{"text":"My sugar didn't was remained the same.","start":903.895,"end":906.855,"sentiment":"neutral","sentiment_score":-0.2076624951192311},{"text":"Didn't grow and didn't drop.","start":906.855,"end":908.395,"sentiment":"neutral","sentiment_score":-0.18821437656879425}],"sentiment":"neutral","sentiment_score":-0.18925203561782836,"channel":1,"num_words":25,"start":899.15,"end":908.395},{"sentences":[{"text":"It was being","start":909.815,"end":910.455,"sentiment":"neutral","sentiment_score":-0.017626479268074036}],"sentiment":"neutral","sentiment_score":-0.017626479268074036,"channel":1,"num_words":3,"start":909.815,"end":910.455},{"sentences":[{"text":"Yep.","start":910.3,"end":910.8,"sentiment":"neutral","sentiment_score":0.028850775212049484}],"sentiment":"neutral","sentiment_score":0.028850775212049484,"channel":0,"num_words":1,"start":910.3,"end":910.8},{"sentences":[{"text":"managed by the by themselves, and then I got a phone call from Oakville.","start":910.455,"end":915.115,"sentiment":"neutral","sentiment_score":0.02830999344587326}],"sentiment":"neutral","sentiment_score":0.02830999344587326,"channel":1,"num_words":14,"start":910.455,"end":915.115},{"sentences":[{"text":"Yep.","start":917.915,"end":918.415,"sentiment":"neutral","sentiment_score":0.15665489435195923},{"text":"I believe back then, it might have been, like, a a third party that may have contacted you and referred you on to Tokyo, but that's more than fine as long as you're still happy with the service.","start":919.995,"end":929.13,"sentiment":"neutral","sentiment_score":0.1538405554663194}],"sentiment":"neutral","sentiment_score":0.1539127180018486,"channel":0,"num_words":39,"start":917.915,"end":929.13},{"sentences":[{"text":"Yeah.","start":930.47,"end":930.97,"sentiment":"neutral","sentiment_score":0.06687269359827042},{"text":"I yeah.","start":931.425,"end":933.58496,"sentiment":"neutral","sentiment_score":0.0352333914488554},{"text":"I haven't engaged in March.","start":933.58496,"end":935.02496,"sentiment":"neutral","sentiment_score":-0.04980650916695595},{"text":"So but yeah.","start":935.02496,"end":936.805,"sentiment":"neutral","sentiment_score":0.02923687423268954}],"sentiment":"neutral","sentiment_score":-0.0021802224218845367,"channel":1,"num_words":11,"start":930.47,"end":936.805},{"sentences":[{"text":"Yep.","start":938.965,"end":939.285,"sentiment":"neutral","sentiment_score":0.10412636399269104},{"text":"So you haven't had any issues with, like, the service you have received so far?","start":939.285,"end":942.485,"sentiment":"neutral","sentiment_score":0.10494376222292583},{"text":"You just maybe haven't taken","start":942.485,"end":943.525,"sentiment":"neutral","sentiment_score":-0.1984848350286484}],"sentiment":"neutral","sentiment_score":0.03265993439015888,"channel":0,"num_words":21,"start":938.965,"end":943.525},{"sentences":[{"text":"I","start":943.345,"end":943.845,"sentiment":"neutral","sentiment_score":-0.19501720368862152}],"sentiment":"neutral","sentiment_score":-0.19501720368862152,"channel":1,"num_words":1,"start":943.345,"end":943.845},{"sentences":[{"text":"advantage of it as","start":943.525,"end":944.405,"sentiment":"neutral","sentiment_score":-0.0003590881824493408}],"sentiment":"neutral","sentiment_score":-0.0003590881824493408,"channel":0,"num_words":4,"start":943.525,"end":944.405},{"sentences":[{"text":"I","start":944.39,"end":944.47,"sentiment":"neutral","sentiment_score":-0.04984459280967712}],"sentiment":"neutral","sentiment_score":-0.04984459280967712,"channel":1,"num_words":1,"start":944.39,"end":944.47},{"sentences":[{"text":"much","start":944.405,"end":944.645,"sentiment":"neutral","sentiment_score":0.04253789782524109}],"sentiment":"neutral","sentiment_score":0.04253789782524109,"channel":0,"num_words":1,"start":944.405,"end":944.645},{"sentences":[{"text":"have","start":944.47,"end":944.97,"sentiment":"neutral","sentiment_score":0.09529104828834534}],"sentiment":"neutral","sentiment_score":0.09529104828834534,"channel":1,"num_words":1,"start":944.47,"end":944.97},{"sentences":[{"text":"as you want.","start":944.645,"end":945.545,"sentiment":"neutral","sentiment_score":0.04623827338218689}],"sentiment":"neutral","sentiment_score":0.04623827338218689,"channel":0,"num_words":3,"start":944.645,"end":945.545},{"sentences":[{"text":"I have already looked into my sugar properly recently, basically.","start":945.51,"end":949.29,"sentiment":"neutral","sentiment_score":0.016920563578605653}],"sentiment":"neutral","sentiment_score":0.016920563578605653,"channel":1,"num_words":10,"start":945.51,"end":949.29},{"sentences":[{"text":"Yep.","start":950.18,"end":950.68,"sentiment":"neutral","sentiment_score":0.06801080703735352}],"sentiment":"neutral","sentiment_score":0.06801080703735352,"channel":0,"num_words":1,"start":950.18,"end":950.68},{"sentences":[{"text":"Yeah.","start":950.95,"end":951.19,"sentiment":"neutral","sentiment_score":0.0573638416826725},{"text":"I think I should be more, like, looking into my sugar to see what's going on.","start":951.19,"end":954.81,"sentiment":"neutral","sentiment_score":0.0038147305604070425}],"sentiment":"neutral","sentiment_score":0.006964678273481482,"channel":1,"num_words":17,"start":950.95,"end":954.81},{"sentences":[{"text":"Yep.","start":955.54004,"end":956.02,"sentiment":"neutral","sentiment_score":0.04098178446292877},{"text":"Understandable.","start":956.02,"end":956.52,"sentiment":"neutral","sentiment_score":0.0028585419058799744},{"text":"Obviously, you're a bit busy having a new child as well.","start":956.9,"end":959.64,"sentiment":"neutral","sentiment_score":-0.21746800298040564},{"text":"So that can be, yeah, quite time consuming.","start":960.66003,"end":963.97504,"sentiment":"neutral","sentiment_score":-0.23650850169360638},{"text":"So understandable there.","start":964.03503,"end":965.655,"sentiment":"neutral","sentiment_score":-0.08188029378652573}],"sentiment":"neutral","sentiment_score":-0.1869173583885034,"channel":0,"num_words":24,"start":955.54004,"end":965.655},{"sentences":[{"text":"But in regards to borrowed money as well there, Jackie, would you ever put borrowed money into anything other than, like, property?","start":967.635,"end":975.67004,"sentiment":"neutral","sentiment_score":-0.1406839301979},{"text":"Like, would you ever put it into, like, a risky investment, so if you anything like that, or you'd solely only put borrowed money towards your your house?","start":975.73004,"end":982.71,"sentiment":"neutral","sentiment_score":-0.2009930687823466}],"sentiment":"neutral","sentiment_score":-0.17445704780519009,"channel":0,"num_words":50,"start":967.635,"end":982.71},{"sentences":[{"text":"Would it be like the super funds put into invest on the property?","start":984.50494,"end":988.285,"sentiment":"neutral","sentiment_score":-0.12754805901875862}],"sentiment":"neutral","sentiment_score":-0.12754805901875862,"channel":1,"num_words":13,"start":984.50494,"end":988.285},{"sentences":[{"text":"No.","start":989.185,"end":989.425,"sentiment":"negative","sentiment_score":-0.3407505750656128},{"text":"No.","start":989.425,"end":989.665,"sentiment":"neutral","sentiment_score":-0.1494716852903366},{"text":"So in regards to, like, you've obviously taken out a loan for your property, and that's borrowed money from the bank.","start":989.665,"end":995.105,"sentiment":"neutral","sentiment_score":0.009439308063260146},{"text":"Would you ever, like, borrow from the bank to put it into, like, an other investment that wasn't your sole property or an investment property or anything else?","start":995.105,"end":1002.24,"sentiment":"neutral","sentiment_score":-0.0024090399300413473}],"sentiment":"neutral","sentiment_score":-0.00704803743271851,"channel":0,"num_words":51,"start":989.185,"end":1002.24},{"sentences":[{"text":"No.","start":1002.55005,"end":1002.79004,"sentiment":"neutral","sentiment_score":-0.2504621744155884},{"text":"I haven't got that ability yet.","start":1002.79004,"end":1004.65,"sentiment":"neutral","sentiment_score":-0.31691507746775943}],"sentiment":"neutral","sentiment_score":-0.30742180560316357,"channel":1,"num_words":7,"start":1002.55005,"end":1004.65},{"sentences":[{"text":"Yeah.","start":1005.36,"end":1005.68,"sentiment":"neutral","sentiment_score":-0.05133496597409248},{"text":"Just as, like, sort of, you know, hypothetically, if you did","start":1005.68,"end":1008.24,"sentiment":"neutral","sentiment_score":-0.03449624065648426}],"sentiment":"neutral","sentiment_score":-0.03589946776628494,"channel":0,"num_words":12,"start":1005.36,"end":1008.24},{"sentences":[{"text":"Yeah.","start":1009.03,"end":1009.19,"sentiment":"neutral","sentiment_score":0.009738819673657416},{"text":"Yeah.","start":1009.19,"end":1009.69,"sentiment":"neutral","sentiment_score":0.02029452472925186},{"text":"Yeah.","start":1009.91003,"end":1010.15,"sentiment":"neutral","sentiment_score":0.022331122308969498},{"text":"Yeah.","start":1010.15,"end":1010.31006,"sentiment":"neutral","sentiment_score":0.022356633096933365},{"text":"I would think of, like, investment property.","start":1010.31006,"end":1012.55005,"sentiment":"neutral","sentiment_score":0.01623469258525542}],"sentiment":"neutral","sentiment_score":0.017123995264145462,"channel":1,"num_words":11,"start":1009.03,"end":1012.55005},{"sentences":[{"text":"You know?","start":1012.55005,"end":1013.13,"sentiment":"neutral","sentiment_score":0.014636046253144741}],"sentiment":"neutral","sentiment_score":0.014636046253144741,"channel":1,"num_words":2,"start":1012.55005,"end":1013.13},{"sentences":[{"text":"Yep.","start":1015.855,"end":1016.255,"sentiment":"neutral","sentiment_score":0.05368366837501526}],"sentiment":"neutral","sentiment_score":0.05368366837501526,"channel":0,"num_words":1,"start":1015.855,"end":1016.255},{"sentences":[{"text":"Yeah.","start":1016.095,"end":1016.595,"sentiment":"neutral","sentiment_score":0.09294415265321732}],"sentiment":"neutral","sentiment_score":0.09294415265321732,"channel":1,"num_words":1,"start":1016.095,"end":1016.595},{"sentences":[{"text":"Not a problem at all.","start":1016.255,"end":1017.875,"sentiment":"neutral","sentiment_score":0.189814755320549},{"text":"So currently, it does still leave you as a growth investor there, Jackie, which is what you currently align with that with that eighty twenty split in terms of, like, risk and taking on risk for return, which is still more than adequate.","start":1018.335,"end":1031.74,"sentiment":"neutral","sentiment_score":0.12442766259922537},{"text":"You know, it does seem like you're a little bit risk adverse in terms of, like, you know, your superannuation and it sort of dropping or not given those circumstances.","start":1031.7999,"end":1039.58,"sentiment":"neutral","sentiment_score":-0.23587642361720404},{"text":"Obviously, with it being a bit of a volatile, you're changing things then can be","start":1039.72,"end":1043.7999,"sentiment":"neutral","sentiment_score":-0.1777535229921341}],"sentiment":"neutral","sentiment_score":-0.037022927796007486,"channel":0,"num_words":93,"start":1016.255,"end":1043.7999},{"sentences":[{"text":"Yeah.","start":1043.635,"end":1044.135,"sentiment":"neutral","sentiment_score":-0.13055449724197388}],"sentiment":"neutral","sentiment_score":-0.13055449724197388,"channel":1,"num_words":1,"start":1043.635,"end":1044.135},{"sentences":[{"text":"quite, you know, hit and miss in terms of, like, no one actually knows what the markets are gonna do.","start":1043.7999,"end":1050.235,"sentiment":"neutral","sentiment_score":-0.31584548354148867},{"text":"As I said, as a business decision, they are moving away from that that along managed fund.","start":1050.695,"end":1055.275,"sentiment":"neutral","sentiment_score":-0.26764175909407},{"text":"So with that, we can look to just replace that within a market index, which is basically you're not paying a a fund manager.","start":1055.655,"end":1059.235,"sentiment":"neutral","sentiment_score":-0.10351352688545983},{"text":"You're just following the index much like basically you're not paying a a fund manager.","start":1059.235,"end":1063.51,"sentiment":"neutral","sentiment_score":-0.05314060176412264},{"text":"You're just following the index much like the rest of your portfolio, but you don't have the chance to outperform the market, or we can look to replace it with an active portion, another managed fund, basically, to replace that Ben Long that hasn't been performing for you.","start":1063.51,"end":1076.145,"sentiment":"neutral","sentiment_score":-0.04106870726294195}],"sentiment":"neutral","sentiment_score":-0.12999638061099236,"channel":0,"num_words":124,"start":1043.7999,"end":1076.145},{"sentences":[{"text":"So how many percent is the actual?","start":1076.425,"end":1078.4451,"sentiment":"neutral","sentiment_score":0.006103099722947393}],"sentiment":"neutral","sentiment_score":0.006103099722947393,"channel":1,"num_words":7,"start":1076.425,"end":1078.4451},{"sentences":[{"text":"Within the Benelon.","start":1080.225,"end":1081.2051,"sentiment":"neutral","sentiment_score":0.009156304333979884}],"sentiment":"neutral","sentiment_score":0.009156304333979884,"channel":0,"num_words":3,"start":1080.225,"end":1081.2051},{"sentences":[{"text":"Yeah, how much is the, like how many percent is much of it is an add to that?","start":1081.8099,"end":1086.39,"sentiment":"neutral","sentiment_score":0.024518426197270553}],"sentiment":"neutral","sentiment_score":0.024518426197270553,"channel":1,"num_words":18,"start":1081.8099,"end":1086.39},{"sentences":[{"text":"So 10% is to that managed fund Benelon, which is that active component of that.","start":1087.345,"end":1092.53,"sentiment":"neutral","sentiment_score":0.06528327862421672},{"text":"The rest of your portfolio is, like, a ETFs across that, which is, like, the more passive index options, which are cheaper.","start":1093.0701,"end":1100.37,"sentiment":"neutral","sentiment_score":0.05509506589309736},{"text":"And also, obviously, the markets have been doing well as a whole.","start":1100.51,"end":1103.81,"sentiment":"positive","sentiment_score":0.3807669940094153},{"text":"So they've been performing quite well apart from the cyber side of things.","start":1104.165,"end":1107.385,"sentiment":"neutral","sentiment_score":0.26139860027111494},{"text":"Security, AI, and those sort of tech companies did take a little bit of a a downward spiral in January there.","start":1107.685,"end":1114.425,"sentiment":"neutral","sentiment_score":-0.14188882318280993}],"sentiment":"neutral","sentiment_score":0.08649471173264894,"channel":0,"num_words":83,"start":1087.345,"end":1114.425},{"sentences":[{"text":"But they do have high conviction that those will return, and they're still gonna play a major part moving forward.","start":1115.125,"end":1120.38,"sentiment":"positive","sentiment_score":0.6326887726783752},{"text":"Whereas the the managed fund been long hasn't done too great, and they are looking to remove that and change it for an alternative whether that's passive or not.","start":1120.38,"end":1129.4401,"sentiment":"neutral","sentiment_score":-0.2596836123487045}],"sentiment":"neutral","sentiment_score":0.1045500141929607,"channel":0,"num_words":49,"start":1115.125,"end":1129.4401},{"sentences":[{"text":"So the market index is more like lower risk.","start":1130.415,"end":1133.375,"sentiment":"neutral","sentiment_score":0.0364484079182148},{"text":"Is that right?","start":1133.375,"end":1134.27,"sentiment":"neutral","sentiment_score":0.1110708937048912}],"sentiment":"neutral","sentiment_score":0.0551040293648839,"channel":1,"num_words":12,"start":1130.415,"end":1134.27},{"sentences":[{"text":"Yeah.","start":1134.795,"end":1135.115,"sentiment":"neutral","sentiment_score":0.02174912393093109},{"text":"So you don't carry the manager risk.","start":1135.115,"end":1136.795,"sentiment":"neutral","sentiment_score":-0.05803569299834115},{"text":"You still have the same allocation to growth assets.","start":1136.795,"end":1138.875,"sentiment":"neutral","sentiment_score":0.06334621997343169},{"text":"So if you were to move away from active management, you still have, like, that eighty twenty sort of split in regards to, like, growth assets versus defensive.","start":1138.875,"end":1146.655,"sentiment":"neutral","sentiment_score":-0.06936772540211678},{"text":"A fund manager basically just tries to find value in the market, whether that's, you know, through, like, profit sharing, through, like, company share, holding of the the market, and, like, how they're performing as a whole, depending on what the fund manager looks for, to try and find companies that they believe are gonna perform better than what the indexes are doing.","start":1147.26,"end":1166.775,"sentiment":"neutral","sentiment_score":0.11101163326511307}],"sentiment":"neutral","sentiment_score":0.048491220714317426,"channel":0,"num_words":108,"start":1134.795,"end":1166.775},{"sentences":[{"text":"So you're paying","start":1166.775,"end":1167.255,"sentiment":"neutral","sentiment_score":0.15398352344830832}],"sentiment":"neutral","sentiment_score":0.15398352344830832,"channel":0,"num_words":3,"start":1166.775,"end":1167.255},{"sentences":[{"text":"Yep.","start":1167.1699,"end":1167.6699,"sentiment":"neutral","sentiment_score":0.15566256642341614}],"sentiment":"neutral","sentiment_score":0.15566256642341614,"channel":1,"num_words":1,"start":1167.1699,"end":1167.6699},{"sentences":[{"text":"for someone to try and make those bets where they get companies that are worth more or growing more.","start":1167.255,"end":1171.9149,"sentiment":"neutral","sentiment_score":0.17294657151950033},{"text":"Whereas the index just follows, like, you know, depends what index you're in across multitude of companies.","start":1172.2949,"end":1177.5399,"sentiment":"neutral","sentiment_score":-0.01702265679726706},{"text":"So, like, the S and P 500 is your top 500 companies in America.","start":1177.5399,"end":1181.0,"sentiment":"neutral","sentiment_score":0.020059404894709587},{"text":"And as companies grow and fall, they sort of fall in and out of that 500.","start":1181.2999,"end":1184.98,"sentiment":"neutral","sentiment_score":-0.0979229798540473},{"text":"You hold that top 500 in that investment.","start":1184.98,"end":1187.48,"sentiment":"neutral","sentiment_score":-0.0017532785423099992}],"sentiment":"neutral","sentiment_score":0.022927533187022484,"channel":0,"num_words":74,"start":1167.255,"end":1187.48},{"sentences":[{"text":"So it's fluid in the sense that if a company starts performing badly, they may fall out of that top 500, and you'll no longer hold that investment.","start":1187.86,"end":1194.255,"sentiment":"neutral","sentiment_score":-0.09685107139271817},{"text":"But it's less centralized, and there's no sort of real potential upside to outperform the markets because you're just following what the markets are doing, whereas the fund manager tries to actively beat those markets by picking","start":1194.795,"end":1207.9199,"sentiment":"neutral","sentiment_score":-0.037696353990483926}],"sentiment":"neutral","sentiment_score":-0.0631783861022156,"channel":0,"num_words":65,"start":1187.86,"end":1207.9199},{"sentences":[{"text":"Yep.","start":1207.765,"end":1208.265,"sentiment":"neutral","sentiment_score":0.0762847363948822}],"sentiment":"neutral","sentiment_score":0.0762847363948822,"channel":1,"num_words":1,"start":1207.765,"end":1208.265},{"sentences":[{"text":"and choosing winners, basically.","start":1207.9199,"end":1209.46,"sentiment":"neutral","sentiment_score":0.08403993677347898}],"sentiment":"neutral","sentiment_score":0.08403993677347898,"channel":0,"num_words":4,"start":1207.9199,"end":1209.46},{"sentences":[{"text":"Okay.","start":1210.405,"end":1210.905,"sentiment":"neutral","sentiment_score":-0.03138924390077591}],"sentiment":"neutral","sentiment_score":-0.03138924390077591,"channel":1,"num_words":1,"start":1210.405,"end":1210.905},{"sentences":[{"text":"Now in regards to that, Jackie, would you still wanna keep an an active portion in that, or would you rather sort of just go the passive for the moment and then maybe review at a later date?","start":1216.32,"end":1226.665,"sentiment":"neutral","sentiment_score":0.10046899955915778}],"sentiment":"neutral","sentiment_score":0.10046899955915778,"channel":0,"num_words":38,"start":1216.32,"end":1226.665},{"sentences":[{"text":"Okay.","start":1228.665,"end":1229.165,"sentiment":"neutral","sentiment_score":0.05010443925857544},{"text":"Like you said, it's the 10%.","start":1229.305,"end":1230.665,"sentiment":"neutral","sentiment_score":0.04434573402007421},{"text":"Yeah?","start":1230.665,"end":1231.0651,"sentiment":"neutral","sentiment_score":0.02178092673420906},{"text":"In the actual","start":1231.0651,"end":1231.885,"sentiment":"neutral","sentiment_score":0.007624112069606781}],"sentiment":"neutral","sentiment_score":0.03280291875655001,"channel":1,"num_words":11,"start":1228.665,"end":1231.885},{"sentences":[{"text":"Yeah.","start":1231.605,"end":1232.105,"sentiment":"neutral","sentiment_score":0.02898921445012093},{"text":"Yeah.","start":1232.645,"end":1233.145,"sentiment":"neutral","sentiment_score":0.037826620042324066}],"sentiment":"neutral","sentiment_score":0.033407917246222496,"channel":0,"num_words":2,"start":1231.605,"end":1233.145},{"sentences":[{"text":"Understand.","start":1233.9551,"end":1234.4551,"sentiment":"neutral","sentiment_score":0.06164657324552536}],"sentiment":"neutral","sentiment_score":0.06164657324552536,"channel":1,"num_words":1,"start":1233.9551,"end":1234.4551},{"sentences":[{"text":"Yeah.","start":1235.86,"end":1236.26,"sentiment":"neutral","sentiment_score":0.0759814977645874},{"text":"As I said, like, it didn't perform quite well the the past twelve months given what did occur at the November there.","start":1236.26,"end":1243.08,"sentiment":"neutral","sentiment_score":-0.02784091860733249},{"text":"But even then, it hasn't impacted your portfolio significantly to where it sort of had too much of a negative impact.","start":1243.46,"end":1249.4,"sentiment":"neutral","sentiment_score":-0.2643327588836352},{"text":"So from that, obviously, you know, you can still look to have an active portion to try and have that little bit of, like, aggressive performance because even if it rises or falls, it doesn't hurt your portfolio by much.","start":1249.6549,"end":1261.6549,"sentiment":"neutral","sentiment_score":0.2392732722684741},{"text":"And if it does well, it obviously does better for your portfolio.","start":1261.6549,"end":1264.315,"sentiment":"positive","sentiment_score":0.4027142847577731}],"sentiment":"neutral","sentiment_score":0.08662495478832473,"channel":0,"num_words":96,"start":1235.86,"end":1264.315},{"sentences":[{"text":"Okay.","start":1265.595,"end":1266.095,"sentiment":"neutral","sentiment_score":0.10922334343194962},{"text":"I'm gonna remember that again.","start":1266.155,"end":1267.775,"sentiment":"neutral","sentiment_score":0.08624896258115769}],"sentiment":"neutral","sentiment_score":0.09007802605628967,"channel":1,"num_words":6,"start":1265.595,"end":1267.775},{"sentences":[{"text":"Yep.","start":1268.49,"end":1268.89,"sentiment":"neutral","sentiment_score":0.1802958548069},{"text":"We'll just look to update that with an active portion there.","start":1268.89,"end":1272.03,"sentiment":"neutral","sentiment_score":0.1814595474438234},{"text":"Now in regards to the insurances there, Jackie, now I know you're currently on maternity leave.","start":1272.3301,"end":1279.0701,"sentiment":"neutral","sentiment_score":0.0289863720536232},{"text":"Did you plan on returning to work shortly?","start":1279.13,"end":1283.315,"sentiment":"neutral","sentiment_score":0.018833733163774014},{"text":"How long do you think you sort of stay on maternity leave before you return?","start":1283.315,"end":1287.015,"sentiment":"neutral","sentiment_score":0.0017980551347136497}],"sentiment":"neutral","sentiment_score":0.05525046121329069,"channel":0,"num_words":51,"start":1268.49,"end":1287.015},{"sentences":[{"text":"I will return November.","start":1287.715,"end":1289.895,"sentiment":"neutral","sentiment_score":0.010525363963097334}],"sentiment":"neutral","sentiment_score":0.010525363963097334,"channel":1,"num_words":4,"start":1287.715,"end":1289.895},{"sentences":[{"text":"In November, was it?","start":1291.5549,"end":1292.595,"sentiment":"neutral","sentiment_score":0.006249036639928818},{"text":"Sorry.","start":1292.595,"end":1293.095,"sentiment":"neutral","sentiment_score":-0.037737537175416946}],"sentiment":"neutral","sentiment_score":-0.002548278123140335,"channel":0,"num_words":5,"start":1291.5549,"end":1293.095},{"sentences":[{"text":"This year, November, I will return to work.","start":1293.315,"end":1297.91,"sentiment":"neutral","sentiment_score":-0.016983620822429657},{"text":"So couple of months.","start":1299.5701,"end":1300.79,"sentiment":"neutral","sentiment_score":-0.003228553105145693}],"sentiment":"neutral","sentiment_score":-0.012398598250001669,"channel":1,"num_words":12,"start":1293.315,"end":1300.79},{"sentences":[{"text":"Yep.","start":1304.25,"end":1304.75,"sentiment":"neutral","sentiment_score":0.06696583330631256},{"text":"Yep.","start":1304.89,"end":1305.225,"sentiment":"neutral","sentiment_score":0.06911077350378036},{"text":"So you'll still be at home caring for your child for probably another sort of six or so months?","start":1305.465,"end":1310.765,"sentiment":"neutral","sentiment_score":0.048858139271798884}],"sentiment":"neutral","sentiment_score":0.05068482157020342,"channel":0,"num_words":21,"start":1304.25,"end":1310.765},{"sentences":[{"text":"Yeah.","start":1311.4349,"end":1311.9349,"sentiment":"neutral","sentiment_score":0.034171633422374725}],"sentiment":"neutral","sentiment_score":0.034171633422374725,"channel":1,"num_words":1,"start":1311.4349,"end":1311.9349},{"sentences":[{"text":"Yep.","start":1313.225,"end":1313.725,"sentiment":"neutral","sentiment_score":0.028657054528594017},{"text":"Because with that, were you a part time worker or casual when you left your employment?","start":1314.025,"end":1319.325,"sentiment":"neutral","sentiment_score":0.004804229072760791},{"text":"Part time.","start":1320.01,"end":1320.83,"sentiment":"neutral","sentiment_score":0.01756905112415552},{"text":"Yep.","start":1321.69,"end":1322.19,"sentiment":"neutral","sentiment_score":0.13202565908432007},{"text":"Perfect.","start":1323.0499,"end":1323.5499,"sentiment":"positive","sentiment_score":0.33369022607803345}],"sentiment":"neutral","sentiment_score":0.02887517652873482,"channel":0,"num_words":21,"start":1313.225,"end":1323.5499},{"sentences":[{"text":"So with that there, we can obviously look to review that currently.","start":1323.9299,"end":1328.27,"sentiment":"neutral","sentiment_score":0.13975095624725023},{"text":"But given you are on maternity leave, when rewriting the policy, some may rate you just a little bit worse off given that you are stay at home mother currently, and, obviously, you're still returning to work.","start":1328.57,"end":1340.575,"sentiment":"neutral","sentiment_score":-0.12727360135397395},{"text":"You still have that job there that can you can go back to.","start":1340.575,"end":1344.755,"sentiment":"neutral","sentiment_score":0.049670329747291714},{"text":"So it's definitely an option to review.","start":1344.895,"end":1346.755,"sentiment":"neutral","sentiment_score":0.25122279141630444},{"text":"The other option there is I know you wanted to increase your cover as well as sort of review it as a whole.","start":1347.135,"end":1351.41,"sentiment":"neutral","sentiment_score":0.14764239023561063}],"sentiment":"neutral","sentiment_score":0.03008627203171668,"channel":0,"num_words":92,"start":1323.9299,"end":1351.41},{"sentences":[{"text":"So another option there as well, your policy does renew around July, and you can when having children and things like that.","start":1351.41,"end":1359.41,"sentiment":"neutral","sentiment_score":0.11849812384356152},{"text":"It's called, like, a life event, and you can do, like, a free increase through your your insurer without having to go through underwriting up to 25% or 200,000 depending on what the lower amount is, which given your policy would be the 200,000.","start":1359.41,"end":1374.195,"sentiment":"neutral","sentiment_score":0.150323150171475},{"text":"So you could look to increase your life by 200,000 without underwriting.","start":1374.495,"end":1378.22,"sentiment":"neutral","sentiment_score":0.22171866024533907},{"text":"The other alternative is to go back to the market and then see how they'll assess you, and we'll have to just sort of do a quick pre assessment questionnaire just to make sure that nothing's changed into your original policy.","start":1378.28,"end":1391.74,"sentiment":"neutral","sentiment_score":0.058709322906485416},{"text":"Because I know you're concerned a little bit with the price as well.","start":1391.975,"end":1394.715,"sentiment":"neutral","sentiment_score":-0.11708285946112412}],"sentiment":"neutral","sentiment_score":0.09671822970620159,"channel":0,"num_words":132,"start":1351.41,"end":1394.715},{"sentences":[{"text":"Now you definitely can","start":1395.015,"end":1396.875,"sentiment":"neutral","sentiment_score":-0.02265788521617651}],"sentiment":"neutral","sentiment_score":-0.02265788521617651,"channel":0,"num_words":4,"start":1395.015,"end":1396.875},{"sentences":[{"text":"It's the price I feel like the price I pay is not covering enough of my cover.","start":1396.785,"end":1402.0651,"sentiment":"negative","sentiment_score":-0.4500809346928316},{"text":"Yes?","start":1402.0651,"end":1402.5651,"sentiment":"neutral","sentiment_score":-0.16553618013858795}],"sentiment":"negative","sentiment_score":-0.4342728927731514,"channel":1,"num_words":18,"start":1396.785,"end":1402.5651},{"sentences":[{"text":"so at the moment, you pay around 2,400 as an annual premium to insurances, and I'll just see if that's before or after the the rebate.","start":1403.5751,"end":1413.35,"sentiment":"neutral","sentiment_score":-0.12806438855253732},{"text":"Let me just 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of.","start":2142.22,"end":2144.3,"sentiment":"neutral","sentiment_score":-0.2190719736473901},{"text":"Obviously, gestational diabetes is something that's due to pregnancy.","start":2144.3,"end":2146.96,"sentiment":"neutral","sentiment_score":-0.2331547869576348},{"text":"So if you do get the all clear from the doctor, it should be fine.","start":2147.02,"end":2149.9202,"sentiment":"neutral","sentiment_score":-0.02587455213069916},{"text":"As far as, like, anything else that comes up from that, even if you weren't going in there for any specific reason, you were just going for a doctor's checkup, the insurers would likely wait until you've had that checkup before they were willing to offer terms just in case something did come up from that if that makes 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done.","start":2174.52,"end":2182.215,"sentiment":"neutral","sentiment_score":0.032805132639148964},{"text":"But any other family history that you can think of in regards to, like, your mother's brothers, sisters, anything like that?","start":2183.8152,"end":2190.3152,"sentiment":"neutral","sentiment_score":-0.004028375083137126}],"sentiment":"neutral","sentiment_score":0.08258174007448058,"channel":0,"num_words":60,"start":2169.48,"end":2190.3152},{"sentences":[{"text":"My mother probably got my mother has diabetes.","start":2191.4202,"end":2194.1602,"sentiment":"neutral","sentiment_score":-0.06846372876316309}],"sentiment":"neutral","sentiment_score":-0.06846372876316309,"channel":1,"num_words":8,"start":2191.4202,"end":2194.1602},{"sentences":[{"text":"She does have diabetes?","start":2195.27,"end":2196.49,"sentiment":"neutral","sentiment_score":-0.05256013013422489}],"sentiment":"neutral","sentiment_score":-0.05256013013422489,"channel":0,"num_words":4,"start":2195.27,"end":2196.49},{"sentences":[{"text":"Yeah.","start":2196.94,"end":2197.44,"sentiment":"neutral","sentiment_score":-0.023746922612190247}],"sentiment":"neutral","sentiment_score":-0.023746922612190247,"channel":1,"num_words":1,"start":2196.94,"end":2197.44},{"sentences":[{"text":"Yep.","start":2198.31,"end":2198.55,"sentiment":"neutral","sentiment_score":-0.010800017975270748},{"text":"And is that type one or two?","start":2198.55,"end":2200.25,"sentiment":"neutral","sentiment_score":-0.021963928693107197}],"sentiment":"neutral","sentiment_score":-0.02056843985337764,"channel":0,"num_words":8,"start":2198.31,"end":2200.25},{"sentences":[{"text":"Up to.","start":2200.9048,"end":2201.565,"sentiment":"neutral","sentiment_score":-0.010676384437829256}],"sentiment":"neutral","sentiment_score":-0.010676384437829256,"channel":1,"num_words":2,"start":2200.9048,"end":2201.565},{"sentences":[{"text":"Yep.","start":2208.0051,"end":2208.3252,"sentiment":"neutral","sentiment_score":0.0034726017620414495},{"text":"And then when was she diagnosed with that?","start":2208.3252,"end":2210.905,"sentiment":"neutral","sentiment_score":-0.010223917313851416}],"sentiment":"neutral","sentiment_score":-0.008702081860974431,"channel":0,"num_words":9,"start":2208.0051,"end":2210.905},{"sentences":[{"text":"Probably two years ago.","start":2213.19,"end":2215.93,"sentiment":"neutral","sentiment_score":-0.01216197875328362}],"sentiment":"neutral","sentiment_score":-0.01216197875328362,"channel":1,"num_words":4,"start":2213.19,"end":2215.93},{"sentences":[{"text":"Two years ago?","start":2218.165,"end":2218.885,"sentiment":"neutral","sentiment_score":-0.0057129161432385445},{"text":"And do you know how old she was roughly when that was diagnosed?","start":2218.885,"end":2221.8652,"sentiment":"neutral","sentiment_score":-0.014684692956507206}],"sentiment":"neutral","sentiment_score":-0.013002484804019332,"channel":0,"num_words":16,"start":2218.165,"end":2221.8652},{"sentences":[{"text":"She's 61, so she will be fifty fifty nine.","start":2223.1099,"end":2232.645,"sentiment":"neutral","sentiment_score":0.004702106874901801}],"sentiment":"neutral","sentiment_score":0.004702106874901801,"channel":1,"num_words":9,"start":2223.1099,"end":2232.645},{"sentences":[{"text":"And so I just did a typo that did you say it was type one diabetes?","start":2243.825,"end":2247.125,"sentiment":"neutral","sentiment_score":-0.05889387638308108},{"text":"Oh, two.","start":2248.41,"end":2248.89,"sentiment":"neutral","sentiment_score":-0.03316313214600086},{"text":"Sorry.","start":2248.89,"end":2249.39,"sentiment":"neutral","sentiment_score":-0.08779025077819824},{"text":"Sorry.","start":2251.05,"end":2251.3699,"sentiment":"neutral","sentiment_score":-0.12291420251131058},{"text":"My workbook just played up on me there for a little bit.","start":2251.3699,"end":2253.8699,"sentiment":"neutral","sentiment_score":-0.19129336873690286}],"sentiment":"neutral","sentiment_score":-0.10983916139230132,"channel":0,"num_words":32,"start":2243.825,"end":2253.8699},{"sentences":[{"text":"And anything else you can think of in relation to the family?","start":2254.01,"end":2256.67,"sentiment":"neutral","sentiment_score":0.010835446882992983}],"sentiment":"neutral","sentiment_score":0.010835446882992983,"channel":0,"num_words":12,"start":2254.01,"end":2256.67},{"sentences":[{"text":"No.","start":2257.845,"end":2258.345,"sentiment":"neutral","sentiment_score":-0.09458090364933014},{"text":"Just a just a diabetic.","start":2258.5652,"end":2260.2651,"sentiment":"neutral","sentiment_score":-0.13172558099031448},{"text":"I think my mom has and pretty much everybody else is healthy.","start":2260.405,"end":2266.185,"sentiment":"neutral","sentiment_score":0.06707118762036164}],"sentiment":"neutral","sentiment_score":0.002869191269079844,"channel":1,"num_words":18,"start":2257.845,"end":2266.185},{"sentences":[{"text":"Yep.","start":2266.685,"end":2266.7651,"sentiment":"neutral","sentiment_score":0.1665230244398117},{"text":"Yeah.","start":2266.7651,"end":2267.0051,"sentiment":"neutral","sentiment_score":0.23787479102611545},{"text":"Okay.","start":2267.0051,"end":2267.165,"sentiment":"positive","sentiment_score":0.38115793466567993},{"text":"Brilliant.","start":2267.165,"end":2267.665,"sentiment":"positive","sentiment_score":0.5582184791564941},{"text":"And now these questions here related specifically to yourself there, Jackie.","start":2268.205,"end":2272.97,"sentiment":"neutral","sentiment_score":0.1998420858925039}],"sentiment":"neutral","sentiment_score":0.23613581160704294,"channel":0,"num_words":15,"start":2266.685,"end":2272.97},{"sentences":[{"text":"So I understand that these can be quite prying, but, obviously, the insurers just do wanna know, obviously, your complete health history.","start":2272.97,"end":2278.51,"sentiment":"neutral","sentiment_score":-0.06890837865119631},{"text":"So I do apologize if some of these do come across a little bit harsh, but I'll run through these same as the family questions, and you can just let me know if anything pops up.","start":2278.73,"end":2286.0898,"sentiment":"neutral","sentiment_score":-0.06611029332917598},{"text":"But","start":2286.0898,"end":2286.5898,"sentiment":"neutral","sentiment_score":-0.014502890408039091}],"sentiment":"neutral","sentiment_score":-0.06627894543363887,"channel":0,"num_words":59,"start":2272.97,"end":2286.5898},{"sentences":[{"text":"Yep.","start":2286.155,"end":2286.655,"sentiment":"neutral","sentiment_score":-0.03565368056297302}],"sentiment":"neutral","sentiment_score":-0.03565368056297302,"channel":1,"num_words":1,"start":2286.155,"end":2286.655},{"sentences":[{"text":"have you suffered from any stress, anxiety, depression, or mental health?","start":2286.905,"end":2290.525,"sentiment":"neutral","sentiment_score":-0.11860966343771327}],"sentiment":"neutral","sentiment_score":-0.11860966343771327,"channel":0,"num_words":11,"start":2286.905,"end":2290.525},{"sentences":[{"text":"No.","start":2290.795,"end":2291.295,"sentiment":"neutral","sentiment_score":-0.09798881411552428}],"sentiment":"neutral","sentiment_score":-0.09798881411552428,"channel":1,"num_words":1,"start":2290.795,"end":2291.295},{"sentences":[{"text":"Yep.","start":2291.785,"end":2292.185,"sentiment":"neutral","sentiment_score":-0.05421210452914238},{"text":"Any skin cancers, tumors, skin lesions, moles, or cysts?","start":2292.185,"end":2295.645,"sentiment":"neutral","sentiment_score":-0.08408531546592712}],"sentiment":"neutral","sentiment_score":-0.08109799437224866,"channel":0,"num_words":10,"start":2291.785,"end":2295.645},{"sentences":[{"text":"No.","start":2295.915,"end":2296.415,"sentiment":"neutral","sentiment_score":-0.052432045340538025}],"sentiment":"neutral","sentiment_score":-0.052432045340538025,"channel":1,"num_words":1,"start":2295.915,"end":2296.415},{"sentences":[{"text":"Yep.","start":2297.385,"end":2297.785,"sentiment":"neutral","sentiment_score":-0.02928011119365692},{"text":"Any back issues, neck strains, pain, sciatica, or spondylitis, or any back or neck problems?","start":2297.785,"end":2303.1,"sentiment":"neutral","sentiment_score":-0.06791839674115181}],"sentiment":"neutral","sentiment_score":-0.06550350389443338,"channel":0,"num_words":16,"start":2297.385,"end":2303.1},{"sentences":[{"text":"No.","start":2303.45,"end":2303.95,"sentiment":"neutral","sentiment_score":-0.04904685914516449}],"sentiment":"neutral","sentiment_score":-0.04904685914516449,"channel":1,"num_words":1,"start":2303.45,"end":2303.95},{"sentences":[{"text":"Yep.","start":2304.76,"end":2305.08,"sentiment":"neutral","sentiment_score":-0.027840327471494675},{"text":"Any bone joint fractures, muscle, ligament tears, any gout or arthritis, anything like that?","start":2305.08,"end":2309.74,"sentiment":"neutral","sentiment_score":-0.0598076938518456}],"sentiment":"neutral","sentiment_score":-0.057676536093155546,"channel":0,"num_words":15,"start":2304.76,"end":2309.74},{"sentences":[{"text":"No.","start":2310.01,"end":2310.51,"sentiment":"neutral","sentiment_score":-0.057607877999544144}],"sentiment":"neutral","sentiment_score":-0.057607877999544144,"channel":1,"num_words":1,"start":2310.01,"end":2310.51},{"sentences":[{"text":"Yep.","start":2310.92,"end":2311.16,"sentiment":"neutral","sentiment_score":-0.037058718502521515},{"text":"Any HIV,","start":2311.16,"end":2311.98,"sentiment":"neutral","sentiment_score":-0.05060272477567196}],"sentiment":"neutral","sentiment_score":-0.04608805601795515,"channel":0,"num_words":3,"start":2310.92,"end":2311.98},{"sentences":[{"text":"No.","start":2311.575,"end":2312.075,"sentiment":"neutral","sentiment_score":-0.05752867832779884}],"sentiment":"neutral","sentiment_score":-0.05752867832779884,"channel":1,"num_words":1,"start":2311.575,"end":2312.075},{"sentences":[{"text":"Hep B, or C?","start":2312.04,"end":2313.02,"sentiment":"neutral","sentiment_score":-0.050127304159104824},{"text":"Yep.","start":2314.775,"end":2315.095,"sentiment":"neutral","sentiment_score":-0.027643952518701553},{"text":"Any heart conditions?","start":2315.095,"end":2316.1548,"sentiment":"neutral","sentiment_score":-0.039589788764715195},{"text":"Blood","start":2317.4949,"end":2317.815,"sentiment":"neutral","sentiment_score":-0.04804365709424019}],"sentiment":"neutral","sentiment_score":-0.04388513250483407,"channel":0,"num_words":9,"start":2312.04,"end":2317.815},{"sentences":[{"text":"No.","start":2317.5825,"end":2318.0825,"sentiment":"neutral","sentiment_score":-0.05745891481637955}],"sentiment":"neutral","sentiment_score":-0.05745891481637955,"channel":1,"num_words":1,"start":2317.5825,"end":2318.0825},{"sentences":[{"text":"conditions or previous surgeries?","start":2317.815,"end":2319.4348,"sentiment":"neutral","sentiment_score":-0.06804136373102665},{"text":"Yep.","start":2321.095,"end":2321.4949,"sentiment":"neutral","sentiment_score":-0.0323096439242363},{"text":"Any diagnosis of cancers, respiratory, asthma issues, anything like that?","start":2321.4949,"end":2325.57,"sentiment":"neutral","sentiment_score":-0.06696003749966621}],"sentiment":"neutral","sentiment_score":-0.06493836492300034,"channel":0,"num_words":15,"start":2317.815,"end":2325.57},{"sentences":[{"text":"No.","start":2326.07,"end":2326.57,"sentiment":"neutral","sentiment_score":-0.06366048008203506}],"sentiment":"neutral","sentiment_score":-0.06366048008203506,"channel":1,"num_words":1,"start":2326.07,"end":2326.57},{"sentences":[{"text":"Any disease or conditions of the eyes or ears?","start":2327.33,"end":2329.51,"sentiment":"neutral","sentiment_score":-0.07319051606787576},{"text":"Any high cholesterol or skin conditions that you've been diagnosed with?","start":2331.57,"end":2334.79,"sentiment":"neutral","sentiment_score":-0.09606007892977107}],"sentiment":"neutral","sentiment_score":-0.08576877564191818,"channel":0,"num_words":20,"start":2327.33,"end":2334.79},{"sentences":[{"text":"No.","start":2334.6301,"end":2335.1301,"sentiment":"neutral","sentiment_score":-0.14678403735160828},{"text":"No.","start":2335.35,"end":2335.85,"sentiment":"neutral","sentiment_score":-0.09977959096431732}],"sentiment":"neutral","sentiment_score":-0.1232818141579628,"channel":1,"num_words":2,"start":2334.6301,"end":2335.85},{"sentences":[{"text":"Yep.","start":2336.53,"end":2336.9302,"sentiment":"neutral","sentiment_score":-0.04596362262964249},{"text":"Any thyroid condition or any other health conditions that you can think of?","start":2336.9302,"end":2339.955,"sentiment":"neutral","sentiment_score":0.005133334977122454},{"text":"Perfect.","start":2344.595,"end":2345.095,"sentiment":"positive","sentiment_score":0.530430793762207},{"text":"And now these ones can be a little bit forward there as well, but have you had any abnormal cervical pap smear tests including the detection of h I HPV or any abnormalities?","start":2345.715,"end":2354.935,"sentiment":"neutral","sentiment_score":0.10818526549547007},{"text":"Yep.","start":2356.84,"end":2357.34,"sentiment":"neutral","sentiment_score":-0.02624151110649109}],"sentiment":"neutral","sentiment_score":0.08357291379753425,"channel":0,"num_words":49,"start":2336.53,"end":2357.34},{"sentences":[{"text":"Any abnormal vaginal bleeding within the last twelve months, obviously, apart from having","start":2357.96,"end":2362.2,"sentiment":"neutral","sentiment_score":-0.14802334228387246}],"sentiment":"neutral","sentiment_score":-0.14802334228387246,"channel":0,"num_words":13,"start":2357.96,"end":2362.2},{"sentences":[{"text":"No.","start":2362.02,"end":2362.52,"sentiment":"neutral","sentiment_score":-0.1440967619419098}],"sentiment":"neutral","sentiment_score":-0.1440967619419098,"channel":1,"num_words":1,"start":2362.02,"end":2362.52},{"sentences":[{"text":"a child?","start":2362.2,"end":2362.8599,"sentiment":"neutral","sentiment_score":-0.11402151733636856}],"sentiment":"neutral","sentiment_score":-0.11402151733636856,"channel":0,"num_words":2,"start":2362.2,"end":2362.8599},{"sentences":[{"text":"No.","start":2362.98,"end":2363.48,"sentiment":"neutral","sentiment_score":-0.09569758921861649}],"sentiment":"neutral","sentiment_score":-0.09569758921861649,"channel":1,"num_words":1,"start":2362.98,"end":2363.48},{"sentences":[{"text":"Yep.","start":2364.2,"end":2364.68,"sentiment":"neutral","sentiment_score":-0.05747368559241295},{"text":"Any breast lumps or abnormal mammograms or breast ultrasound?","start":2364.68,"end":2367.66,"sentiment":"neutral","sentiment_score":-0.13803035269180933},{"text":"Sorry, Jackie.","start":2373.495,"end":2374.0552,"sentiment":"neutral","sentiment_score":-0.0727178230881691},{"text":"Did you hear me on that one?","start":2374.0552,"end":2375.2751,"sentiment":"neutral","sentiment_score":-0.05896438658237457}],"sentiment":"neutral","sentiment_score":-0.09778595853008722,"channel":0,"num_words":19,"start":2364.2,"end":2375.2751},{"sentences":[{"text":"No.","start":2375.6748,"end":2376.1748,"sentiment":"neutral","sentiment_score":-0.11563630402088164}],"sentiment":"neutral","sentiment_score":-0.11563630402088164,"channel":1,"num_words":1,"start":2375.6748,"end":2376.1748},{"sentences":[{"text":"Oh, sorry.","start":2377.175,"end":2377.915,"sentiment":"neutral","sentiment_score":-0.07706668227910995},{"text":"So in regards to your checkups, obviously, you just plan on going for a bit of a checkup for the gestational diabetes and then obviously just in regards to your general health probably for having a child and then the baby checkup as well.","start":2379.3352,"end":2390.8098,"sentiment":"neutral","sentiment_score":-0.03345685579221357},{"text":"But can you think of any other health conditions or anything else that you sort of might have left out not that matching up to those questions at all?","start":2390.8098,"end":2397.7449,"sentiment":"neutral","sentiment_score":-0.07318878193096869}],"sentiment":"neutral","sentiment_score":-0.049982795938849446,"channel":0,"num_words":75,"start":2377.175,"end":2397.7449},{"sentences":[{"text":"No.","start":2398.315,"end":2398.815,"sentiment":"neutral","sentiment_score":-0.008817292749881744}],"sentiment":"neutral","sentiment_score":-0.008817292749881744,"channel":1,"num_words":1,"start":2398.315,"end":2398.815},{"sentences":[{"text":"Perfect.","start":2400.6848,"end":2401.1848,"sentiment":"neutral","sentiment_score":0.1814189255237579},{"text":"So what we'll do from there, Jackie, we'll just basically send those off to the insurers and just see how they'll rate you in terms of cover.","start":2401.325,"end":2407.1648,"sentiment":"neutral","sentiment_score":0.1456663351919916},{"text":"As I said, they will wait until such time that you do get an all clear from the doctor, basically.","start":2407.1648,"end":2414.9,"sentiment":"neutral","sentiment_score":0.08470026142895222},{"text":"So we'll just pre assess based on the fact that you get the all clear check and see what they'll offer terms at in terms of the pricing and the cover that's available.","start":2414.9,"end":2422.84,"sentiment":"neutral","sentiment_score":0.15445837965517334},{"text":"And then it should be fine at the moment that you're currently on maternity leave if you're going back to part time work and that's not changing.","start":2423.885,"end":2430.385,"sentiment":"neutral","sentiment_score":0.09566476265037502}],"sentiment":"neutral","sentiment_score":0.12489342893025389,"channel":0,"num_words":108,"start":2400.6848,"end":2430.385},{"sentences":[{"text":"But we'll see if that's still the the case when we go to that.","start":2430.925,"end":2434.045,"sentiment":"neutral","sentiment_score":0.020790416281670332},{"text":"Otherwise, we can just review it at such time that you are returned to work.","start":2434.045,"end":2439.4,"sentiment":"neutral","sentiment_score":0.04730349952975909},{"text":"Now I know you did want to increase the cover amount for your life and total permanent disability portion.","start":2439.7,"end":2444.8198,"sentiment":"neutral","sentiment_score":0.01832776889204979},{"text":"Have you had a thought about what you wanted to increase that to or what you'd want to cover for?","start":2444.8198,"end":2450.68,"sentiment":"neutral","sentiment_score":0.0015940381679683923}],"sentiment":"neutral","sentiment_score":0.020304804311736542,"channel":0,"num_words":68,"start":2430.925,"end":2450.68},{"sentences":[{"text":"I think my new info is W115.","start":2453.175,"end":2457.675,"sentiment":"neutral","sentiment_score":0.019180431429828917}],"sentiment":"neutral","sentiment_score":0.019180431429828917,"channel":1,"num_words":7,"start":2453.175,"end":2457.675},{"sentences":[{"text":"1.5.","start":2459.295,"end":2460.435,"sentiment":"neutral","sentiment_score":0.04514205455780029},{"text":"Yep.","start":2464.67,"end":2464.91,"sentiment":"neutral","sentiment_score":0.07645504176616669},{"text":"Was that just having the child you wanna ensure that, you know, if something were to happen to you that they can be looked after?","start":2464.91,"end":2469.7898,"sentiment":"neutral","sentiment_score":0.07667742654681206},{"text":"Is that sort of the mindset behind that?","start":2469.7898,"end":2471.65,"sentiment":"neutral","sentiment_score":0.004605637630447745}],"sentiment":"neutral","sentiment_score":0.05929651031536715,"channel":0,"num_words":35,"start":2459.295,"end":2471.65},{"sentences":[{"text":"Yeah.","start":2471.73,"end":2472.05,"sentiment":"neutral","sentiment_score":0.12612682580947876},{"text":"That's right.","start":2472.05,"end":2472.79,"sentiment":"neutral","sentiment_score":0.16814392060041428}],"sentiment":"neutral","sentiment_score":0.1541382223367691,"channel":1,"num_words":3,"start":2471.73,"end":2472.79},{"sentences":[{"text":"Yep.","start":2473.7898,"end":2474.2898,"sentiment":"neutral","sentiment_score":0.17483088374137878},{"text":"Perfect.","start":2474.3499,"end":2474.8499,"sentiment":"neutral","sentiment_score":0.14415286481380463},{"text":"We can have a look at 1.5 and then maybe even a million dollars worth of cover and just see what the pricing difference will look like that.","start":2475.165,"end":2481.425,"sentiment":"neutral","sentiment_score":0.0691238222643733},{"text":"Now given that we're looking at cover again there, Jackie, we can essentially look at trauma insurance as well, which I know you originally didn't go ahead with there.","start":2481.485,"end":2492.0698,"sentiment":"neutral","sentiment_score":0.042906399173983215},{"text":"So within regards to trauma insurance, just to refresh your memory, that's like the insurance that covers for things like heart attacks, strokes.","start":2492.0698,"end":2498.41,"sentiment":"neutral","sentiment_score":0.09999531053978464}],"sentiment":"neutral","sentiment_score":0.0707149815904658,"channel":0,"num_words":82,"start":2473.7898,"end":2498.41},{"sentences":[{"text":"It's a premium that's paid out of pocket.","start":2498.79,"end":2501.21,"sentiment":"neutral","sentiment_score":0.20900319516658783},{"text":"But in saying that, it can sort of bridge the gap if you were to suffer a condition like a heart attack or a stroke where you may not meet the condition of income protection or total permanent disability, but it can sort of assist in covering sort of medical costs and some time off work if something like that were to occur, if that makes sense.","start":2502.645,"end":2518.75,"sentiment":"neutral","sentiment_score":0.15691278329980907}],"sentiment":"neutral","sentiment_score":0.16246909389893213,"channel":0,"num_words":75,"start":2498.79,"end":2518.75},{"sentences":[{"text":"So the okay.","start":2519.92,"end":2521.52,"sentiment":"neutral","sentiment_score":0.2040271759033203},{"text":"I got the income income protection.","start":2521.52,"end":2523.54,"sentiment":"neutral","sentiment_score":0.14295264333486557}],"sentiment":"neutral","sentiment_score":0.1633108208576838,"channel":1,"num_words":9,"start":2519.92,"end":2523.54},{"sentences":[{"text":"Yep.","start":2524.41,"end":2524.91,"sentiment":"neutral","sentiment_score":0.14003431797027588}],"sentiment":"neutral","sentiment_score":0.14003431797027588,"channel":0,"num_words":1,"start":2524.41,"end":2524.91},{"sentences":[{"text":"So the trauma what what the trauma cover?","start":2525.36,"end":2528.18,"sentiment":"neutral","sentiment_score":0.00042908126488327807},{"text":"The","start":2528.56,"end":2529.06,"sentiment":"neutral","sentiment_score":0.021397404372692108}],"sentiment":"neutral","sentiment_score":0.0027588949435287035,"channel":1,"num_words":9,"start":2525.36,"end":2529.06},{"sentences":[{"text":"So","start":2530.025,"end":2530.265,"sentiment":"neutral","sentiment_score":0.07625749707221985}],"sentiment":"neutral","sentiment_score":0.07625749707221985,"channel":0,"num_words":1,"start":2530.025,"end":2530.265},{"sentences":[{"text":"it","start":2530.08,"end":2530.32,"sentiment":"neutral","sentiment_score":0.08610633760690689}],"sentiment":"neutral","sentiment_score":0.08610633760690689,"channel":1,"num_words":1,"start":2530.08,"end":2530.32},{"sentences":[{"text":"it","start":2530.265,"end":2530.4248,"sentiment":"neutral","sentiment_score":0.06984805315732956}],"sentiment":"neutral","sentiment_score":0.06984805315732956,"channel":0,"num_words":1,"start":2530.265,"end":2530.4248},{"sentences":[{"text":"cover","start":2530.32,"end":2530.64,"sentiment":"neutral","sentiment_score":0.01843048632144928}],"sentiment":"neutral","sentiment_score":0.01843048632144928,"channel":1,"num_words":1,"start":2530.32,"end":2530.64},{"sentences":[{"text":"covers","start":2530.4248,"end":2530.825,"sentiment":"neutral","sentiment_score":0.05593003332614899}],"sentiment":"neutral","sentiment_score":0.05593003332614899,"channel":0,"num_words":1,"start":2530.4248,"end":2530.825},{"sentences":[{"text":"the","start":2530.64,"end":2530.72,"sentiment":"neutral","sentiment_score":0.0905185118317604}],"sentiment":"neutral","sentiment_score":0.0905185118317604,"channel":1,"num_words":1,"start":2530.64,"end":2530.72},{"sentences":[{"text":"for, like, trauma traumatic events.","start":2530.825,"end":2532.6648,"sentiment":"neutral","sentiment_score":0.048114598542451856},{"text":"It is a lump sum payment that can be that pays like, you pay out of pocket full.","start":2532.6648,"end":2536.585,"sentiment":"neutral","sentiment_score":0.17383179979191887},{"text":"It can't be held within superannuation like your other covers.","start":2536.585,"end":2539.2449,"sentiment":"neutral","sentiment_score":-0.09067874504253268},{"text":"And then say if you were to suffer a heart attack so with your income protection policy, you have to be sick or injured off work for more than thirty days to be able to start claiming on your income protection.","start":2539.625,"end":2548.46,"sentiment":"neutral","sentiment_score":-0.0807421371885916},{"text":"If you were to suffer sort of a a heart attack, but you're only off work for a couple of weeks and then you can cleared and return to work, you may not be able to claim on that income protection policy.","start":2548.68,"end":2559.245,"sentiment":"neutral","sentiment_score":-0.12138417558301062}],"sentiment":"neutral","sentiment_score":-0.05125694017825198,"channel":0,"num_words":116,"start":2530.825,"end":2559.245},{"sentences":[{"text":"Whereas if you did suffer it and had trauma cover, the likelihood of that white pay, if it was covered under their conditions, then you would get that lump sum payment and be able to take some time off work.","start":2559.5452,"end":2569.97,"sentiment":"neutral","sentiment_score":0.05574556296924129},{"text":"Now you you run the sense that if you do have some suffer from something that is still covered under income protection, you aren't going to work within that sort of month period and you do meet the condition of paying an income protection claim, you'd still get covered on that.","start":2569.97,"end":2583.465,"sentiment":"neutral","sentiment_score":0.0361518314948269},{"text":"Whereas just that trauma cover can cover certain things.","start":2583.605,"end":2587.385,"sentiment":"neutral","sentiment_score":0.007734117408593495},{"text":"Yeah.","start":2587.605,"end":2587.7651,"sentiment":"neutral","sentiment_score":-0.04231719672679901},{"text":"It's a lump sum payment in addition to, you know, some people might get diagnosed with certain skin cancers and other cancers where you may not be medically unfit to work yet, and you still have to work to cover bills and expenses because you can't just opt to not work.","start":2587.7651,"end":2601.96,"sentiment":"neutral","sentiment_score":-0.2894805446267128}],"sentiment":"neutral","sentiment_score":-0.07014902625661834,"channel":0,"num_words":152,"start":2559.5452,"end":2601.96},{"sentences":[{"text":"You have to be unable to work for income protection, if that makes sense.","start":2601.96,"end":2605.98,"sentiment":"negative","sentiment_score":-0.4968721887895039}],"sentiment":"negative","sentiment_score":-0.4968721887895039,"channel":0,"num_words":14,"start":2601.96,"end":2605.98},{"sentences":[{"text":"What about the TPD?","start":2606.4,"end":2607.54,"sentiment":"neutral","sentiment_score":-0.19681473076343536},{"text":"Like, say well, if you have cancer, obviously, you go through k mode, you won't be able to work.","start":2607.76,"end":2613.885,"sentiment":"neutral","sentiment_score":-0.24894517895422483},{"text":"Is it considered as a TPD?","start":2614.0251,"end":2615.645,"sentiment":"neutral","sentiment_score":-0.1069105217854182}],"sentiment":"neutral","sentiment_score":-0.2123682915136732,"channel":1,"num_words":29,"start":2606.4,"end":2615.645},{"sentences":[{"text":"So with TBD, you have to be signed off by a specialist and another medical professional that you will not be returning to work, like, ever.","start":2616.615,"end":2624.29,"sentiment":"neutral","sentiment_score":-0.19256012772138303},{"text":"Like, you're totally permanently disabled and not returning to the workforce, which is quite, like, severe in terms of that, whereas the trauma, you've just gotta meet one of the conditions in terms of that.","start":2624.29,"end":2634.765,"sentiment":"negative","sentiment_score":-0.3374459730727332},{"text":"So it sort of bridges the gap between those types of covers where you may suffer something that isn't related to that where you can make a claim that would be valid.","start":2634.765,"end":2644.065,"sentiment":"neutral","sentiment_score":-0.11166136991232634},{"text":"But it's one of the more claimed on types of insurances, if that makes sense, because you just have to be hit with one of those conditions that are listed.","start":2644.365,"end":2652.68,"sentiment":"neutral","sentiment_score":-0.1717336860795816},{"text":"Obviously, it's different between the different providers.","start":2652.68,"end":2654.7,"sentiment":"neutral","sentiment_score":-0.1811412934746061}],"sentiment":"neutral","sentiment_score":-0.20623335270927504,"channel":0,"num_words":130,"start":2616.615,"end":2654.7},{"sentences":[{"text":"But in saying that, it can sort of pay with some of those ones you might not be eligible to pay or might not be yet, if that makes sense.","start":2655.16,"end":2662.935,"sentiment":"neutral","sentiment_score":-0.25881274541219074},{"text":"Like, if you got cancer and then you sort of end up totally permanently disabled where you're not working, that may sort of take, you know, six to eight months if it's quite severe.","start":2662.935,"end":2671.175,"sentiment":"negative","sentiment_score":-0.3714069417294334},{"text":"It might take years if it's not as severe or and it sort of just progresses, whereas the trauma payment would sort of pay as you get diagnosed with the condition.","start":2671.175,"end":2680.77,"sentiment":"neutral","sentiment_score":-0.306343630436928}],"sentiment":"neutral","sentiment_score":-0.3146196939443287,"channel":0,"num_words":95,"start":2655.16,"end":2680.77},{"sentences":[{"text":"Okay.","start":2682.24,"end":2682.74,"sentiment":"neutral","sentiment_score":-0.017264481633901596}],"sentiment":"neutral","sentiment_score":-0.017264481633901596,"channel":1,"num_words":1,"start":2682.24,"end":2682.74},{"sentences":[{"text":"Yeah.","start":2683.63,"end":2684.13,"sentiment":"neutral","sentiment_score":0.0007621403783559799}],"sentiment":"neutral","sentiment_score":0.0007621403783559799,"channel":0,"num_words":1,"start":2683.63,"end":2684.13},{"sentences":[{"text":"Okay.","start":2684.4,"end":2684.8,"sentiment":"neutral","sentiment_score":0.027581673115491867},{"text":"That's what about the income protection?","start":2684.8,"end":2687.62,"sentiment":"neutral","sentiment_score":-0.0206404326017946},{"text":"How many like, how long the income protection can protect you?","start":2687.92,"end":2691.615,"sentiment":"neutral","sentiment_score":0.0009840327230366793}],"sentiment":"neutral","sentiment_score":-0.004746475696770681,"channel":1,"num_words":18,"start":2684.4,"end":2691.615},{"sentences":[{"text":"So with income protection, the the policy that you have there, it's basically a a sixty day waiting period and a five year benefit period.","start":2692.845,"end":2701.3252,"sentiment":"neutral","sentiment_score":0.04092999294400215},{"text":"So you would actually have to be off work or not able to work for sixty days before you'd be able to claim on that.","start":2701.3252,"end":2706.65,"sentiment":"negative","sentiment_score":-0.3424699181318283},{"text":"And then if you did make a successful claim, it would pay for up to five years for that monthly benefit amount, which, yeah, in saying that as well, like, some conditions, you may not be sick or off work for that sixty days, if that makes sense.","start":2706.65,"end":2721.085,"sentiment":"neutral","sentiment_score":0.11723681166768074}],"sentiment":"neutral","sentiment_score":-0.019501338465785494,"channel":0,"num_words":98,"start":2692.845,"end":2721.085},{"sentences":[{"text":"So the trauma to tell me how long the trauma will cover you?","start":2721.89,"end":2725.0051,"sentiment":"neutral","sentiment_score":-0.18138081752336943}],"sentiment":"neutral","sentiment_score":-0.18138081752336943,"channel":1,"num_words":13,"start":2721.89,"end":2725.0051},{"sentences":[{"text":"It's just a lump sum payment.","start":2725.705,"end":2727.065,"sentiment":"neutral","sentiment_score":0.031639338160554566},{"text":"So as long as you meet the condition of that trauma policy or just pay out, like, as soon as you sort of get diagnosed and do the process of the claim and then what however long that takes to go through the claims process.","start":2727.065,"end":2738.86,"sentiment":"neutral","sentiment_score":0.044843668739000954}],"sentiment":"neutral","sentiment_score":0.04329021808271315,"channel":0,"num_words":51,"start":2725.705,"end":2738.86},{"sentences":[{"text":"How much is the lump sum?","start":2739.1199,"end":2740.66,"sentiment":"neutral","sentiment_score":0.02385203167796135}],"sentiment":"neutral","sentiment_score":0.02385203167796135,"channel":1,"num_words":6,"start":2739.1199,"end":2740.66},{"sentences":[{"text":"So","start":2741.72,"end":2742.04,"sentiment":"neutral","sentiment_score":0.03284431993961334}],"sentiment":"neutral","sentiment_score":0.03284431993961334,"channel":0,"num_words":1,"start":2741.72,"end":2742.04},{"sentences":[{"text":"Covered.","start":2741.8499,"end":2742.3499,"sentiment":"neutral","sentiment_score":0.04646783322095871}],"sentiment":"neutral","sentiment_score":0.04646783322095871,"channel":1,"num_words":1,"start":2741.8499,"end":2742.3499},{"sentences":[{"text":"generally generally, we just sort of do as a base amount just a year's worth of income depending on that.","start":2742.04,"end":2748.655,"sentiment":"neutral","sentiment_score":0.05024844817817211},{"text":"Some people like to do more, some people like to do less, some people like to do the after tax amount.","start":2749.115,"end":2753.215,"sentiment":"neutral","sentiment_score":-0.021548342669293993},{"text":"Obviously, there's certain taxes involved with lump sum payments, so we generally aim for about a year's worth of income replacement.","start":2753.595,"end":2760.2551,"sentiment":"neutral","sentiment_score":0.021162886571671282},{"text":"So if you do suffer one of those conditions that are covered, you just get, like, a year's worth of salary.","start":2760.315,"end":2764.77,"sentiment":"neutral","sentiment_score":-0.09962274843738192},{"text":"So if you were to take some time off work or cover certain medical expenses.","start":2764.77,"end":2768.2302,"sentiment":"neutral","sentiment_score":-0.191799092789491}],"sentiment":"neutral","sentiment_score":-0.04053254819912266,"channel":0,"num_words":98,"start":2742.04,"end":2768.2302},{"sentences":[{"text":"Okay.","start":2769.22,"end":2769.72,"sentiment":"neutral","sentiment_score":0.0166513379663229}],"sentiment":"neutral","sentiment_score":0.0166513379663229,"channel":1,"num_words":1,"start":2769.22,"end":2769.72},{"sentences":[{"text":"Is that something you wanna look at and see what the general","start":2770.9302,"end":2773.1702,"sentiment":"neutral","sentiment_score":0.018844840737680595}],"sentiment":"neutral","sentiment_score":0.018844840737680595,"channel":0,"num_words":12,"start":2770.9302,"end":2773.1702},{"sentences":[{"text":"Yeah.","start":2773.14,"end":2773.64,"sentiment":"neutral","sentiment_score":-0.000660974532365799}],"sentiment":"neutral","sentiment_score":-0.000660974532365799,"channel":1,"num_words":1,"start":2773.14,"end":2773.64},{"sentences":[{"text":"pricing might look like?","start":2773.1702,"end":2774.385,"sentiment":"neutral","sentiment_score":-0.010852234438061714}],"sentiment":"neutral","sentiment_score":-0.010852234438061714,"channel":0,"num_words":4,"start":2773.1702,"end":2774.385},{"sentences":[{"text":"Yeah.","start":2774.58,"end":2774.9,"sentiment":"neutral","sentiment_score":0.022830728441476825},{"text":"Probably.","start":2774.9,"end":2775.4,"sentiment":"neutral","sentiment_score":0.03457716479897499},{"text":"Yeah.","start":2775.8599,"end":2776.3599,"sentiment":"neutral","sentiment_score":0.06611760705709457}],"sentiment":"neutral","sentiment_score":0.04117516676584879,"channel":1,"num_words":3,"start":2774.58,"end":2776.3599},{"sentences":[{"text":"Yep.","start":2777.185,"end":2777.665,"sentiment":"neutral","sentiment_score":0.11071085929870604},{"text":"No problem.","start":2777.665,"end":2778.385,"sentiment":"neutral","sentiment_score":0.22338374704122543},{"text":"We can have a look and see what they'll look at in terms of that as well.","start":2778.385,"end":2781.585,"sentiment":"neutral","sentiment_score":0.14504506833413067},{"text":"And would you just be looking to do around sort of a year's worth of income, say around the the 75,000 mark?","start":2781.585,"end":2787.665,"sentiment":"neutral","sentiment_score":0.055634593929756775},{"text":"Or","start":2787.665,"end":2788.165,"sentiment":"neutral","sentiment_score":0.05531716346740723}],"sentiment":"neutral","sentiment_score":0.10005866848798685,"channel":0,"num_words":43,"start":2777.185,"end":2788.165},{"sentences":[{"text":"Yeah.","start":2788.6848,"end":2789.1848,"sentiment":"neutral","sentiment_score":0.08474335074424744}],"sentiment":"neutral","sentiment_score":0.08474335074424744,"channel":1,"num_words":1,"start":2788.6848,"end":2789.1848},{"sentences":[{"text":"Yep.","start":2791.3699,"end":2791.77,"sentiment":"neutral","sentiment_score":0.11293083429336548},{"text":"And then with your income protection, given that it's the sixty day wait at the moment, is there something you wanted to review and potentially look at what thirty days look like?","start":2791.77,"end":2798.73,"sentiment":"neutral","sentiment_score":0.11989586660638452},{"text":"Are you happy with the sixty days?","start":2798.73,"end":2800.3298,"sentiment":"neutral","sentiment_score":0.18171957560947963},{"text":"Then the event that anything did happen, you'd have to be off work for sixty days to make a claim.","start":2800.3298,"end":2804.965,"sentiment":"neutral","sentiment_score":-0.1480437595397234}],"sentiment":"neutral","sentiment_score":0.03767934006949266,"channel":0,"num_words":60,"start":2791.3699,"end":2804.965},{"sentences":[{"text":"Actually, you know what?","start":2805.4148,"end":2806.535,"sentiment":"neutral","sentiment_score":-0.05618787929415703},{"text":"If I call the trauma, like, the trauma one cover, that should be fine.","start":2806.535,"end":2810.6948,"sentiment":"neutral","sentiment_score":-0.06545973675591606},{"text":"Yeah?","start":2810.6948,"end":2811.1948,"sentiment":"neutral","sentiment_score":-0.030034825205802917}],"sentiment":"neutral","sentiment_score":-0.06164329773501346,"channel":1,"num_words":19,"start":2805.4148,"end":2811.1948},{"sentences":[{"text":"So as I said, it doesn't always marry up, but sometimes, yeah, it it would work out to where, like, you can get the trauma policy and then sort of sixty days later if you're still off working and sort of look at IP and use that as a sort of risk mitigation tool.","start":2812.0652,"end":2825.07,"sentiment":"neutral","sentiment_score":-0.11436620389145834},{"text":"But that's not always the case that some conditions would be covered under trauma.","start":2825.37,"end":2828.73,"sentiment":"neutral","sentiment_score":-0.2919710491384779},{"text":"Like, if you're just sort of just got the the flu and then you're unable to work and it sort of keeps going on, that might be not considered under trauma, but it might sort of be able to claim on an income protection policy same with, like, certain broken bones and things like that.","start":2828.73,"end":2844.275,"sentiment":"neutral","sentiment_score":-0.23365948593074626},{"text":"Whereas if you","start":2844.655,"end":2845.795,"sentiment":"neutral","sentiment_score":-0.11294139176607132}],"sentiment":"neutral","sentiment_score":-0.18613861586957697,"channel":0,"num_words":126,"start":2812.0652,"end":2845.795},{"sentences":[{"text":"What what about my let's say, I'm having a baby.","start":2846.675,"end":2851.08,"sentiment":"neutral","sentiment_score":-0.22000194117426872},{"text":"Would that come as income reduction if I'm not able to claim from the work?","start":2852.58,"end":2858.28,"sentiment":"neutral","sentiment_score":-0.27369022369384766}],"sentiment":"neutral","sentiment_score":-0.2522149106860161,"channel":1,"num_words":25,"start":2846.675,"end":2858.28},{"sentences":[{"text":"No.","start":2860.135,"end":2860.295,"sentiment":"negative","sentiment_score":-0.4519587457180023},{"text":"See, it it just you have to be medically unfit to work from injury or illness, not just that you've sort of had a child and don't wanna return from work sort of thing or just, like, to conflict.","start":2860.295,"end":2870.9548,"sentiment":"negative","sentiment_score":-0.4997399082550636},{"text":"So you gotta meet, like, the strict definition still under the PDFs to be able to claim on certain conditions.","start":2871.8699,"end":2876.3699,"sentiment":"neutral","sentiment_score":-0.23405899107456207},{"text":"We can have a look and see what the the pricing looks like, but if you do, it our concern with cost as well, income protection is the more expensive insurance cover.","start":2877.3098,"end":2886.93,"sentiment":"neutral","sentiment_score":-0.16582799423485994},{"text":"And by reducing that down to thirty days, the in premium will likely increase quite significantly as opposed to that sixty days.","start":2887.825,"end":2894.5652,"sentiment":"neutral","sentiment_score":-0.10432171618396585}],"sentiment":"neutral","sentiment_score":-0.28267165404139905,"channel":0,"num_words":114,"start":2860.135,"end":2894.5652},{"sentences":[{"text":"Yeah.","start":2897.015,"end":2897.255,"sentiment":"neutral","sentiment_score":-0.072625070810318},{"text":"Yeah.","start":2897.255,"end":2897.575,"sentiment":"neutral","sentiment_score":-0.1071394458413124},{"text":"I just wanna compare to see how how this other company, you know, was if the other company has bad offers.","start":2897.575,"end":2904.2148,"sentiment":"neutral","sentiment_score":-0.2086376899055072},{"text":"Or","start":2904.2148,"end":2904.4548,"sentiment":"neutral","sentiment_score":-0.06522846221923828}],"sentiment":"neutral","sentiment_score":-0.19276601945360503,"channel":1,"num_words":24,"start":2897.015,"end":2904.4548},{"sentences":[{"text":"Yep.","start":2905.1199,"end":2905.6199,"sentiment":"neutral","sentiment_score":-0.04496615380048752},{"text":"No problem.","start":2905.8398,"end":2906.32,"sentiment":"neutral","sentiment_score":0.030979879200458527},{"text":"We can have a look at that in between the sixty and thirty, and then we might even look at sort of a a two year benefit period and a thirty day to where you it wouldn't pay for as long.","start":2906.32,"end":2915.5251,"sentiment":"neutral","sentiment_score":-0.0665340583498885},{"text":"So the five year benefit period is quite comprehensive in the sense that if you were sort of injured or illness and if you're off work for five years, the likelihood of you returning to work is quite slim.","start":2916.545,"end":2925.5051,"sentiment":"negative","sentiment_score":-0.4186358963831877},{"text":"You can look at a two year benefit period, which is less that if you do end up on a claim, it would only pay for two years, but that can sort of reduce pricing and cost as well.","start":2925.5051,"end":2934.25,"sentiment":"neutral","sentiment_score":0.2116715411345164}],"sentiment":"neutral","sentiment_score":-0.08838125116756705,"channel":0,"num_words":122,"start":2905.1199,"end":2934.25},{"sentences":[{"text":"Okay.","start":2935.0498,"end":2935.53,"sentiment":"neutral","sentiment_score":0.25731855630874634},{"text":"Yeah.","start":2935.53,"end":2936.03,"sentiment":"neutral","sentiment_score":0.2673095166683197}],"sentiment":"neutral","sentiment_score":0.262314036488533,"channel":1,"num_words":2,"start":2935.0498,"end":2936.03},{"sentences":[{"text":"But we can just compare a few of those options there for you.","start":2938.79,"end":2942.09,"sentiment":"neutral","sentiment_score":0.31568094400259167},{"text":"Jackie, just to show you what that looks like.","start":2943.0051,"end":2944.7651,"sentiment":"positive","sentiment_score":0.3580616083410051},{"text":"But do you have any other questions or concerns that you want addressed at this time?","start":2944.7651,"end":2948.865,"sentiment":"neutral","sentiment_score":0.07118073012679815}],"sentiment":"neutral","sentiment_score":0.22277101129293442,"channel":0,"num_words":38,"start":2938.79,"end":2948.865},{"sentences":[{"text":"I think so far it's okay.","start":2950.795,"end":2952.655,"sentiment":"positive","sentiment_score":0.5082457264264425}],"sentiment":"positive","sentiment_score":0.5082457264264425,"channel":1,"num_words":6,"start":2950.795,"end":2952.655},{"sentences":[{"text":"Yep.","start":2953.5652,"end":2954.0652,"sentiment":"positive","sentiment_score":0.40068674087524414},{"text":"As I said, we'll start that process there for you, and then we'll just get a start on that.","start":2954.33,"end":2958.65,"sentiment":"positive","sentiment_score":0.3948733728182943},{"text":"As I said, it may sort of take a little bit longer because we will have to get confirmation after you've sort of had that checkup to be cleared.","start":2958.65,"end":2965.61,"sentiment":"neutral","sentiment_score":0.08244721231789424},{"text":"So once you sort of have that, if you could reach out just via email or text and just let us know if you just got cleared and everything's fine and that doctor didn't find anything else, then we can sort of still proceed as well.","start":2965.61,"end":2977.325,"sentiment":"positive","sentiment_score":0.3589415167984755},{"text":"Perfect.","start":2981.385,"end":2981.885,"sentiment":"positive","sentiment_score":0.7620095014572144}],"sentiment":"neutral","sentiment_score":0.2871621797482173,"channel":0,"num_words":96,"start":2953.5652,"end":2981.885},{"sentences":[{"text":"But do you have any other questions for me, Jackie, while you've got me there?","start":2982.105,"end":2984.79,"sentiment":"neutral","sentiment_score":0.21360984047253925},{"text":"No problem.","start":2986.95,"end":2987.43,"sentiment":"positive","sentiment_score":0.4135020971298218},{"text":"Well, I'll let you get back to your day.","start":2987.43,"end":2988.6301,"sentiment":"positive","sentiment_score":0.5589631365405189},{"text":"Sorry to take up so much of your time this morning.","start":2988.6301,"end":2990.55,"sentiment":"neutral","sentiment_score":0.2576813440431248},{"text":"Good luck with your your child in the back, and then we'll we'll we'll talk soon, I'm sure.","start":2990.55,"end":2996.09,"sentiment":"positive","sentiment_score":0.5058104660775926}],"sentiment":"positive","sentiment_score":0.38183460371060807,"channel":0,"num_words":55,"start":2982.105,"end":2996.09},{"sentences":[{"text":"No problem, Jackie.","start":2997.4648,"end":2998.525,"sentiment":"positive","sentiment_score":0.4502539237340291},{"text":"Thanks.","start":2998.585,"end":2999.065,"sentiment":"positive","sentiment_score":0.7535967826843262},{"text":"Bye.","start":2999.065,"end":2999.565,"sentiment":"neutral","sentiment_score":-0.08813416212797165}],"sentiment":"positive","sentiment_score":0.4032448783516884,"channel":0,"num_words":5,"start":2997.4648,"end":2999.565}]},"summary":{"result":"success","short":"During a call with a representative from Oicht Financial, the customer discusses her investment portfolio and growth and risk allocation. The representative suggests staying within the growth and risk allocation range and warns of potential volatility in the market. The customer is hesitant to invest in a certain position and is hesitant to invest in a certain position. The agent suggests switching to an active or inactive portion of the investment portfolio and provides information on coverage and premiums for various insurance policies. The customer is advised to reach out if they need further assistance."},"intents":{"segments":[{"text":"Now following your annual review there, I had you booked in just for a follow-up regarding your insurances there and just a potential review of those. Correct? Yeah.","start_word":95,"end_word":122,"intents":[{"intent":"Check insurance review","confidence_score":0.00013420645}]},{"text":"Insurance also, I wanna review my gross for the year for the last five years. I think I've been with Oakville for five years. Right?","start_word":123,"end_word":147,"intents":[{"intent":"Confirm coverage","confidence_score":0.000047097936}]},{"text":"So you're saying you wanted to review your portfolio, was it, or just as Yep. in Resume my portfolio and the insurance as well. The portfolio yeah.","start_word":271,"end_word":297,"intents":[{"intent":"Review portfolio","confidence_score":0.64719534},{"intent":"Review portfolio growth","confidence_score":0.00094598526}]},{"text":"So for the last twelve months there, it was around 7.84% after fees in terms of a return.","start_word":325,"end_word":342,"intents":[{"intent":"Check return rate","confidence_score":0.010740682}]},{"text":"So that's something we could definitely look at being updated. Pardon me.","start_word":474,"end_word":485,"intents":[{"intent":"Update investment","confidence_score":0.1416008}]},{"text":"And then I know I can't remember what date it would have been, but I believe you did have an investment update somewhere along the lines from when you originally came on board.","start_word":486,"end_word":518,"intents":[{"intent":"Explain investment update","confidence_score":0.024052233},{"intent":"Verify investment update","confidence_score":0.00017726226}]},{"text":"But I can let you know that since you've been on board after fees, you've done around 33.9%, and it works out to be around 8.12 percent per annum as, like, a rolling figure if you sort of just divided that by your time on board. Is that so that's not included with my, you know, my company contribution? No.","start_word":535,"end_word":594,"intents":[{"intent":"Provide information","confidence_score":0.009894966}]},{"text":"11,400 was, like, just over a 12 month period from, like, the 2025 to the 2026.","start_word":694,"end_word":709,"intents":[{"intent":"Clarify investment duration","confidence_score":0.002788026}]},{"text":"Just from when this report was generated today, over a twelve month period, it was around 11,400 in terms of, like, employer paid deposits into your account. That's from my employer.","start_word":711,"end_word":741,"intents":[{"intent":"Improve investment performance","confidence_score":0.002505094}]},{"text":"So I can do a quick risk profile and just sort of see where you're at in terms of your risk tolerance because it's more than fine to say that you want higher risk for higher returns.","start_word":1394,"end_word":1430,"intents":[{"intent":"Analyze risk tolerance","confidence_score":0.084374405}]},{"text":"But if you do experience a drop in the market and then wanna look at sort of changing the investments because you don't like the fact that it's going backwards, then that can sort of negatively impact you more so than if you just stay, like, in a growth, if you do start changing things when there are dips and those sort of occurrences that do happen, if that makes sense. Yep.","start_word":1432,"end_word":1503,"intents":[{"intent":"Evaluate market impact","confidence_score":0.51225793}]},{"text":"If it's just in regards to the market much like COVID where everyone sort of took a bit of a hit in COVID, everyone's superannuation took a bit of a backward step, and then also the markets themselves weren't doing too great in that period. If you just held your investment, it's obviously come back quite well since that period of time.","start_word":2097,"end_word":2158,"intents":[{"intent":"React to covid impact","confidence_score":6.474201e-7}]},{"text":"If you were to sort of sell out to cash and then try and time the market to come back into the market, you sort of run the risk that you missed the boat and then they return, and you're not invested at that time, and you miss out on that potential growth.","start_word":2160,"end_word":2212,"intents":[{"intent":"Evaluate market performance","confidence_score":0.12477852}]},{"text":"That's why I put you guys as adviser for yeah. my times.","start_word":2603,"end_word":2614,"intents":[{"intent":"Evaluate adviser availability","confidence_score":0.000012763143}]},{"text":"So in regards to, like, you've obviously taken out a loan for your property, and that's borrowed money from the bank. Would you ever, like, borrow from the bank to put it into, like, an other investment that wasn't your sole property or an investment property or anything else? No.","start_word":2890,"end_word":2939,"intents":[{"intent":"Analyze investment options","confidence_score":0.0048581767}]},{"text":"And also, obviously, the markets have been doing well as a whole. So they've been performing quite well apart from the cyber side of things. Security, AI, and those sort of tech companies did take a little bit of a a downward spiral in January there. But they do have high conviction that those will return, and they're still gonna play a major part moving forward.","start_word":3256,"end_word":3321,"intents":[{"intent":"Analyze investment performance","confidence_score":0.0010578247}]},{"text":"So with that there, we can obviously look to review that currently. But given you are on maternity leave, when rewriting the policy, some may rate you just a little bit worse off given that you are stay at home mother currently, and, obviously, you're still returning to work. You still have that job there that can you can go back to.","start_word":3888,"end_word":3949,"intents":[{"intent":"Review policy cover","confidence_score":0.00010422776}]},{"text":"The other alternative is to go back to the market and then see how they'll assess you, and we'll have to just sort of do a quick pre assessment questionnaire just to make sure that nothing's changed into your original policy.","start_word":4058,"end_word":4098,"intents":[{"intent":"Update policy information","confidence_score":0.00347428}]},{"text":"And how long have you been doing that specific role? My name is actually Sorry.","start_word":4400,"end_word":4414,"intents":[{"intent":"Clarify role experience","confidence_score":0.0011966323}]},{"text":"And then do you travel at all for your work between, like, different places, or you're just at the one?","start_word":4768,"end_word":4787,"intents":[{"intent":"Determine work schedule","confidence_score":0.00019951312}]},{"text":"And then as far as your wife, do you know roughly what you're weighing at the moment, Jackie?","start_word":5098,"end_word":5115,"intents":[{"intent":"Inquire about weight loss","confidence_score":0.038654223}]},{"text":"So this is related to specifically, like, mothers, brothers, sisters, you know, like your parents, siblings, not sort of aunties, uncles. So I'll just rattle off these questions. Just feel free to stop me if anything sort of pops up that you have a family history or know of. But any family history of heart attacks, heart attacks, or heart disease, sorry, or strokes? No. Yep.","start_word":5208,"end_word":5273,"intents":[{"intent":"Discuss family history","confidence_score":0.6522407}]},{"text":"And is that being cleared up now now that you've had the the chart, or is that still ongoing that you're being treated for?","start_word":5343,"end_word":5366,"intents":[{"intent":"Clarify treatment history","confidence_score":0.0028736412}]},{"text":"And when was the date of that diagnosis that they've sort of realized that you had testational diabetes?","start_word":5391,"end_word":5408,"intents":[{"intent":"Clarify new diagnosis date","confidence_score":0.00012522077}]},{"text":"Did you have symptoms that made you do a check? Or I just randomly checked my sugar at work and then I see it's very high. So I may just after I found out maybe I have gestational. I went to the doctors and they found out. Okay.","start_word":5460,"end_word":5507,"intents":[{"intent":"Find out symptoms and suggest proactive measures","confidence_score":7.408491e-9}]},{"text":"And when was the last time that you took insulin for that one? Angeline. Yeah.","start_word":5532,"end_word":5546,"intents":[{"intent":"Discuss insulin dosage","confidence_score":0.007859385}]},{"text":"But but sugar is okay at the moment. I should do, Yes. like, day check myself, but I haven't got back to doctor to check properly. Yeah. Okay.","start_word":5707,"end_word":5734,"intents":[{"intent":"Discuss sugar monitor and confirm recovery plan","confidence_score":7.532854e-7}]},{"text":"I just want to go maybe eat more healthy, you know, so I can okay.","start_word":5825,"end_word":5839,"intents":[{"intent":"Inquire about health checkup","confidence_score":0.009834659}]},{"text":"Just with anything, even if you were just going for a standard health check for, like, medical fee, you know, just for your yearly check, they'd normally sort of hold off on offering sort of terms for cover just in case anything came from the checkup you were going to see, if that makes sense. Yep.","start_word":5926,"end_word":5981,"intents":[{"intent":"Offer terms for health checkup","confidence_score":0.0011500397},{"intent":"Explain health checkup cost","confidence_score":0.0000035509704}]},{"text":"As far as, like, anything else that comes up from that, even if you weren't going in there for any specific reason, you were just going for a doctor's checkup, the insurers would likely wait until you've had that checkup before they were willing to offer terms just in case something did come up from that if that makes sense. Yes.","start_word":6094,"end_word":6154,"intents":[{"intent":"Understand reason for late checkup","confidence_score":0.00000289547}]},{"text":"As far as, like, anything else that comes up from that, even if you weren't going in there for any specific reason, you were just going for a doctor's checkup, the insurers would likely wait until you've had that checkup before they were willing to offer terms just in case something did come up from that if that makes sense. Yes. Yeah.","start_word":6094,"end_word":6155,"intents":[{"intent":"Confirm understanding of checkup","confidence_score":0.03822843}]},{"text":"We'll still sort of start the process and continue with that one.","start_word":6159,"end_word":6170,"intents":[{"intent":"Continue with process","confidence_score":0.061440572}]},{"text":"Any thyroid condition or any other health conditions that you can think of?","start_word":6523,"end_word":6535,"intents":[{"intent":"Discuss health conditions","confidence_score":0.032020904}]},{"text":"Did you hear me on that one? No.","start_word":6599,"end_word":6606,"intents":[{"intent":"Confirm understanding","confidence_score":0.00482365}]},{"text":"So what we'll do from there, Jackie, we'll just basically send those off to the insurers and just see how they'll rate you in terms of cover.","start_word":6684,"end_word":6710,"intents":[{"intent":"Review insurance coverage","confidence_score":0.0043884525}]},{"text":"Perfect.","start_word":6905,"end_word":6905,"intents":[{"intent":"Express gratitude","confidence_score":0.097298235}]},{"text":"We can have a look at 1.5 and then maybe even a million dollars worth of cover and just see what the pricing difference will look like that.","start_word":6907,"end_word":6934,"intents":[{"intent":"Provide insurance information","confidence_score":0.0035274834}]},{"text":"What about the TPD? Like, say well, if you have cancer, obviously, you go through k mode, you won't be able to work. Is it considered as a TPD?","start_word":7368,"end_word":7396,"intents":[{"intent":"Discuss tdb coverage","confidence_score":0.008862659},{"intent":"Discuss tdb coverage","confidence_score":0.24889833}]},{"text":"What about the TPD? Like, say well, if you have cancer, obviously, you go through k mode, you won't be able to work. Is it considered as a TPD? So with TBD, you have to be signed off by a specialist and another medical professional that you will not be returning to work, like, ever.","start_word":7368,"end_word":7422,"intents":[{"intent":"Explain tdb coverage","confidence_score":0.06174858}]},{"text":"That's what about the income protection? How many like, how long the income protection can protect you? So with income protection, the the policy that you have there, it's basically a a sixty day waiting period and a five year benefit period.","start_word":7625,"end_word":7666,"intents":[{"intent":"Determine insurance coverage","confidence_score":7.360356e-7}]},{"text":"So with income protection, the the policy that you have there, it's basically a a sixty day waiting period and a five year benefit period.","start_word":7642,"end_word":7666,"intents":[{"intent":"Explain policy terms","confidence_score":0.0005725286}]},{"text":"So the trauma to tell me how long the trauma will cover you? It's just a lump sum payment. So as long as you meet the condition of that trauma policy or just pay out, like, as soon as you sort of get diagnosed and do the process of the claim and then what however long that takes to go through the claims process. How much is the lump sum?","start_word":7740,"end_word":7809,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.0058401907}]},{"text":"We can have a look at that in between the sixty and thirty, and then we might even look at sort of a a two year benefit period and a thirty day to where you it wouldn't pay for as long.","start_word":8346,"end_word":8386,"intents":[{"intent":"Analyze benefit periods","confidence_score":0.025254821}]},{"text":"Well, I'll let you get back to your day. Sorry to take up so much of your time this morning. Good luck with your your child in the back, and then we'll we'll we'll talk soon, I'm sure.","start_word":8624,"end_word":8661,"intents":[{"intent":"Scheduling and discussion","confidence_score":0.0000064538517}]}]},"sentiments":{"segments":[{"text":"Hi. Jacob speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.07378089427947998},{"text":"Good morning, Jackie.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.4301351010799408},{"text":"It's Carl calling from Ophi Financial. How are you today? No. Bye.","start_word":6,"end_word":17,"sentiment":"neutral","sentiment_score":0.23425082862377167},{"text":"Thanks. That's good to hear. I've got you scheduled in for a bit of a follow-up following you in your review.","start_word":18,"end_word":38,"sentiment":"positive","sentiment_score":0.4085729718208313},{"text":"Is now still a good time for you? Yep.","start_word":39,"end_word":47,"sentiment":"neutral","sentiment_score":0.2931458652019501},{"text":"Perfect.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.5025360584259033},{"text":"Just to get started on that call there, Jack, if I could just pass you through security with that name, date of birth, and current address so we can jump into that one. 20 Of October 1986. 33 Way, Granville.","start_word":49,"end_word":88,"sentiment":"neutral","sentiment_score":0.19510796666145325},{"text":"Perfect. Thanks for that one, Jackie.","start_word":89,"end_word":94,"sentiment":"positive","sentiment_score":0.6323001980781555},{"text":"Now following your annual review there, I had you booked in just for a follow-up regarding your insurances there and just a potential review of those. Correct? Yeah. Insurance also, I wanna review my gross for the year for the last five years. I think I've been with Oakville for five years. Right? In terms of, like, your time on board, I believe you came on around 2022. Two thousand two or 2020. I'll just have a quick so I'll just have a quick look on the file and see where it goes back there. I have only sort of information starting around sort of, you know, May 2022, if that sounds about correct. I don't know. I thought it was 2020. Hold on. Maybe I no. Because I've just got, like, your initial, like, SOA was signed the 2022. Okay. So I've been with Oakville '22, and now it's '25 '26. So is it four years? Yeah. So roughly four years coming up to that in a few months in terms of time on board. So you're saying you wanted to review your portfolio, was it, or just as Yep. in Resume my portfolio and the insurance as well. The portfolio yeah. So were you just looking at something there, Jacky? Yep. Yeah. Yeah. I just wanna know for the last four years, and what is my my growth? So for the last twelve months there, it was around 7.84% after fees in terms of a return. And then, largely, due to the return this year was because of a comp like, the underlying actively managed fund, Venlo. So with that, they have an underlying investment called corporate traveler, and that was done for not reporting correctly to consumers and also to the market as a whole. So as a result of that, they were put on a trading hold.","start_word":95,"end_word":405,"sentiment":"neutral","sentiment_score":-0.007865185139646867},{"text":"And because it was a key holding in Benlong, it did cause quite an effect to that managed fund. Now as a, like, a business decision, they are looking at removing Benlong and moving away from that even though you sort of never wanna sort of sell low by high, but just in the fact that they don't have much confidence or conviction in that asset moving forward.","start_word":406,"end_word":473,"sentiment":"negative","sentiment_score":-0.42481985688209534},{"text":"So that's something we could definitely look at being updated. Pardon me. And then I know I can't remember what date it would have been, but I believe you did have an investment update somewhere along the lines from when you originally came on board. So since inception, you do have quite a number of assets across the the board there. But I can let you know that since you've been on board after fees, you've done around 33.9%, and it works out to be around 8.12 percent per annum as, like, a rolling figure if you sort of just divided that by your time on board. Is that so that's not included with my, you know, my company contribution? No. So that's, like, your growth in the period, like, the performance. So, obviously, you do have withdrawals coming out with insurances and adviser fees and the investment costs and taxes associated as well. So that's also included as, like, part of, like, your withdrawals. And as your deposit's going in, it's around sort of, I believe, 11,000 with the last twelve month period from, like, employer pay contributions that have gone in in that period of time. 11,000. I think for I think a year, my company contribute around more than 7,000 a year. Is that right? 11,000. Sorry. 11,400 was, like, just over a 12 month period from, like, the 2025 to the 2026. Just from when this report was generated today, over a twelve month period, it was around 11,400 in terms of, like, employer paid deposits into your account. That's from my employer. Yeah. Employer deposits. So on top of that, how much profit I earn from the investment? So the growth for the last twelve months was around 8,700, and the income in that period was around 3,000, so around 11,800 in terms of, like, the growth in the period, and then minus the withdrawals, the, like, the costs of investing, investing changes, and then also tax associated plus adviser fees and administration costs as well and your insurance costs. And then you're saying that my net profit was 8,000? That's apart from the contribution from my company? So the the total earnings is around 11,800. So the growth just on capital growth in assets was around 8,700, and then the income earned from, like, dividends and interest earned on certain assets is around $3,090. Sorry. That's after the tax after the, like, otherwise repeat. The percentage returns after, like, taking into account the adviser fees administration costs and those with the 7.84% return.","start_word":474,"end_word":902,"sentiment":"neutral","sentiment_score":0.06652709341549373},{"text":"I can't afford to present it then.","start_word":903,"end_word":909,"sentiment":"negative","sentiment_score":-0.6565291285514832},{"text":"Okay. Yeah. I just don't want to know for the next, you know, next year or next five years if we can increase the growth more, you know, in terms of the Yep. So with that one, investment. you're currently in a growth option. Now in saying that, that's about an $80.20 split, about 80% growth asset, about 20% defensive assets. You can look at increasing that to, like, a high growth. It's, like, the next one sort of up from that, and it's about a 90 tenths, but of 90% growth assets and about 10% defensive assets in terms of, like, the allocations that you do hold. Now with your time to retirement, given that you've got quite a bit of time left before you do, like, hit 60, which is, like, the general condition of release to be able to start accessing some of your funds, you do have plenty of time to, like, look at increasing your risk. Now when you increase your risk, there's no guarantee that you're going to increase the the returns that you do experience as well. So you are taking on more risk to position yourself to potentially get higher returns, but sometimes that isn't always the case as well, which is something to be mindful of. So currently being in that growth allocation there, the expected return sort of sits between, like, the seven to 9% per annum, like expected return, and it's like volatility sits around sort of 11% of, like, ups and downs you can have experienced. When you go to, like, a high growth, it sort of sits to the expected returns trying to be around the eight to 10% as an average, and then the expected volatility can be anywhere from sort of 14% of ups and downs, if that makes sense. Okay. That's in the high profile. Yeah. Yeah. And a high growth if you were to sort of look at bumping it up. So over a longer period of time, if you were to hold the investment, obviously, you can potentially get higher returns if you stay within that high growth sort of allocation and just ride out those fluctuations.","start_word":910,"end_word":1274,"sentiment":"neutral","sentiment_score":0.0014085970066283664},{"text":"But sometimes, obviously, if you do have, like, a a bad year, which is sort of expected in those high growth between, like, one and four years, you expect to have maybe a bad year, especially, you know, with things going on in the market at the moment. And, the conflict that is occurring overseas. It's quite uncertain what the markets are Oh. gonna do for the next twelve months at least. So that's the sort of risk you take when increasing your exposure to those growth assets, that volatility that can occur as well.","start_word":1275,"end_word":1369,"sentiment":"negative","sentiment_score":-0.4435055553913117},{"text":"So what is that otherwise? I should stay where I am now? It just depends on what your sort of aversion to risk is. So I can do a quick risk profile and just sort of see where you're at in terms of your risk tolerance because it's more than fine to say that you want higher risk for higher returns.","start_word":1370,"end_word":1430,"sentiment":"neutral","sentiment_score":-0.05650928243994713},{"text":"But if you do experience a drop in the market and then wanna look at sort of changing the investments because you don't like the fact that it's going backwards, then that can sort of negatively impact you more so than if you just stay, like, in a growth, if you do start changing things when there are dips and those sort of occurrences that do happen, if that makes sense.","start_word":1431,"end_word":1501,"sentiment":"negative","sentiment_score":-0.4190674722194672},{"text":"Yep. Yeah. I can run through a quick risk profile there, Jack, and sort of see what your sort of responses will be and get a gauge of where you might sort of fall within that sort of spectrum. I think during COVID, I only be panic. You know? Like, I don't want to lose too much. You know? But I'm not sure what's the situation now with the war happening. Yeah. Yeah. As I said, like, the market as a whole may be quite volatile until that sort of settles down where, like, the you can obviously, you know, have the potential upsides of it going up. But with those sort of events, you never know what sort of the the downside might be in those terms as well. Not to say that you're completely protected in your current portfolio. Like, you still have 20% defensive assets, which is a lot higher allocation if you were to bump it up, but you still have quite a number of assets allocated to, like, the growth side of things, which can be effective in those sort of market situations as well. And the the thing with that too, Jack, is you're not, like, losing in the, like, sense that, like, if it does go down, as long as you're happy to hold the assets, it's more than fine to, like, you know, have the potential to come back up as well. But when you sort of start selling, when they do sort of hit, like, those drops and do go backwards and you go more defensive then, that it can sort of impact it.","start_word":1502,"end_word":1774,"sentiment":"neutral","sentiment_score":0.05149924382567406},{"text":"As long as you're sort of happy to hold investments, you can sort of see the the potential upside of that as well.","start_word":1775,"end_word":1797,"sentiment":"positive","sentiment_score":0.4512018263339996},{"text":"No. Did you wanna complete the risk profile now just to go over that quickly? Yes, please. Yep. Have you had direct share investments before there, Jackie? Sir, have what? Direct share investments, like any sort of shares, you know, crypto, anything like that that you've owned personally? No. I no. Yep. No. That's fine. And then in regards to investing, sort of if you were to sort of change your investments, you're still investing that long term. You don't really wanna change it too much. You just wanna make sure it's appropriate moving forward. Yes. Yep. And then with inflation and the cost of living sort of going up over time and money being worth that little bit less each year, are you willing to accept, like, a sort of moderate amount of risk to try and outpace that inflation and get a higher return or maybe a bit higher amount of risk to out try and outpace inflation? I thought I would say the moderate. Yep. Yep. And then if you were to sort of change your investments and then, like, six months down the track, just due to what's happening in the markets, it dropped by 20%, would you sort of look to just hold and wait for that to come back? Would you maybe put a little bit more money in to sort of see how that grows or maybe sort of you would wanna shift back to more secure assets even if it did sort of have that loss? I'm not quite sure about this answer. What would Yep. you do? So, generally, if you've already taken the loss, obviously, there's extenuating circumstances much like the pendulum where it has, you know, an underlying issue with sort of the fund manager and investments itself. If it's just in regards to the market much like COVID where everyone sort of took a bit of a hit in COVID, everyone's superannuation took a bit of a backward step, and then also the markets themselves weren't doing too great in that period. If you just held your investment, it's obviously come back quite well since that period of time.","start_word":1798,"end_word":2158,"sentiment":"neutral","sentiment_score":-0.051403822542433926},{"text":"If you were to sort of sell out to cash and then try and time the market to come back into the market, you sort of run the risk that you missed the boat and then they return, and you're not invested at that time, and you miss out on that potential growth.","start_word":2159,"end_word":2211,"sentiment":"negative","sentiment_score":-0.4502764046192169},{"text":"So, generally, if you do have, like, sort of conviction in the investments moving forward, you'd sort of hold and wait and sort of see what the return would look like because if you were to sell, like, things like cash or fixed interest bonds at that time, right, you're only gonna get, like, the the set fixed interest, you know, CPI cash rate and things like that where you don't have the potential upside even though you've already lost the money.","start_word":2212,"end_word":2293,"sentiment":"neutral","sentiment_score":-0.0674118772149086},{"text":"So you kind of sort of hinder yourself to return that growth by crystalizing those losses, if that makes sense. But would there be a higher moral risk of losing more if I hold that position?","start_word":2294,"end_word":2329,"sentiment":"negative","sentiment_score":-0.5744470953941345},{"text":"So that's, like, the thing within regards to you know, like, the GFC and things like that as well.","start_word":2330,"end_word":2348,"sentiment":"neutral","sentiment_score":-0.232790932059288},{"text":"Obviously, everyone took quite a big hit that if you just were to stay invested and not worry about the dip, and then as long as you're not a retiree and looking to access your money, you've got the time on your side to basically return in that period because at some point, you will have to reenter the market, and you never know when the bottom of the market's going to be.","start_word":2349,"end_word":2421,"sentiment":"negative","sentiment_score":-0.3411161005496979},{"text":"So if you were to sort of sell out at a loss and then sort of just wait, you know, if and sort of see how it goes, the market could return when you're not invested. And then, yes, it could also still go down a little bit, but then you're trying to play the risk of timing the market to reenter.","start_word":2422,"end_word":2483,"sentiment":"neutral","sentiment_score":-0.2962319850921631},{"text":"And if you could miss the boat in terms of, like, it returning, and it could go past where you were originally when you sold out, and you may be buying sort of less than what you originally had in that period. And so you're kind of losing twice in that scenario versus, like, if you were just to stay in the market and sort of, like, just ride it out.","start_word":2484,"end_word":2554,"sentiment":"negative","sentiment_score":-0.48743781447410583},{"text":"Okay. I guess just hold on to it according to what you're saying? I Yep. Yep. Obviously, it's a personal preference there as well, but it does sound like you're quite, like, sort of adverse to, like, you know, those losses and those downturns. With hear about investment. That's why I put you guys as adviser for yeah. my times. So And when, like, your superannuation did drop around, like, the COVID time as well, were you quite concerned and anxious about that and sort of that's why you sought advice originally? no. Actually, my I my sugar didn't drop. I think I was with. My sugar didn't was remained the same. Didn't grow and didn't drop. It was being Yep. managed by the by themselves, and then I got a phone call from Oakville. Yep. I believe back then, it might have been, like, a a third party that may have contacted you and referred you on to Tokyo, but that's more than fine as long as you're still happy with the service. Yeah. I yeah. I haven't engaged in March. So but yeah. Yep. So you haven't had any issues with, like, the service you have received so far? You just maybe haven't taken I advantage of it as I much have as you want. I have already looked into my sugar properly recently, basically. Yep. Yeah. I think I should be more, like, looking into my sugar to see what's going on. Yep. Understandable. Obviously, you're a bit busy having a new child as well. So that can be, yeah, quite time consuming. So understandable there. But in regards to borrowed money as well there, Jackie, would you ever put borrowed money into anything other than, like, property? Like, would you ever put it into, like, a risky investment, so if you anything like that, or you'd solely only put borrowed money towards your your house? Would it be like the super funds put into invest on the property?","start_word":2555,"end_word":2886,"sentiment":"neutral","sentiment_score":-0.07821119437555232},{"text":"No. No.","start_word":2887,"end_word":2888,"sentiment":"negative","sentiment_score":-0.33784791827201843},{"text":"So in regards to, like, you've obviously taken out a loan for your property, and that's borrowed money from the bank. Would you ever, like, borrow from the bank to put it into, like, an other investment that wasn't your sole property or an investment property or anything else? No. I haven't got that ability yet. Yeah. Just as, like, sort of, you know, hypothetically, if you did Yeah. Yeah. Yeah. Yeah. I would think of, like, investment property. You know? Yep. Yeah. Not a problem at all. So currently, it does still leave you as a growth investor there, Jackie, which is what you currently align with that with that eighty twenty split in terms of, like, risk and taking on risk for return, which is still more than adequate. You know, it does seem like you're a little bit risk adverse in terms of, like, you know, your superannuation and it sort of dropping or not given those circumstances. Obviously, with it being a bit of a volatile, you're changing things then can be Yeah. quite, you know, hit and miss in terms of, like, no one actually knows what the markets are gonna do. As I said, as a business decision, they are moving away from that that along managed fund. So with that, we can look to just replace that within a market index, which is basically you're not paying a a fund manager. You're just following the index much like basically you're not paying a a fund manager. You're just following the index much like the rest of your portfolio, but you don't have the chance to outperform the market, or we can look to replace it with an active portion, another managed fund, basically, to replace that Ben Long that hasn't been performing for you. So how many percent is the actual? Within the Benelon. Yeah, how much is the, like how many percent is much of it is an add to that? So 10% is to that managed fund Benelon, which is that active component of that. The rest of your portfolio is, like, a ETFs across that, which is, like, the more passive index options, which are cheaper.","start_word":2889,"end_word":3254,"sentiment":"neutral","sentiment_score":-0.052987925708293915},{"text":"And also, obviously, the markets have been doing well as a whole.","start_word":3255,"end_word":3266,"sentiment":"positive","sentiment_score":0.3700515627861023},{"text":"So they've been performing quite well apart from the cyber side of things. Security, AI, and those sort of tech companies did take a little bit of a a downward spiral in January there.","start_word":3267,"end_word":3300,"sentiment":"neutral","sentiment_score":0.010821403004229069},{"text":"But they do have high conviction that those will return, and they're still gonna play a major part moving forward.","start_word":3301,"end_word":3320,"sentiment":"positive","sentiment_score":0.6483019590377808},{"text":"Whereas the the managed fund been long hasn't done too great, and they are looking to remove that and change it for an alternative whether that's passive or not. So the market index is more like lower risk. Is that right? Yeah. So you don't carry the manager risk. You still have the same allocation to growth assets. So if you were to move away from active management, you still have, like, that eighty twenty sort of split in regards to, like, growth assets versus defensive. A fund manager basically just tries to find value in the market, whether that's, you know, through, like, profit sharing, through, like, company share, holding of the the market, and, like, how they're performing as a whole, depending on what the fund manager looks for, to try and find companies that they believe are gonna perform better than what the indexes are doing. So you're paying Yep. for someone to try and make those bets where they get companies that are worth more or growing more. Whereas the index just follows, like, you know, depends what index you're in across multitude of companies. So, like, the S and P 500 is your top 500 companies in America. And as companies grow and fall, they sort of fall in and out of that 500. You hold that top 500 in that investment. So it's fluid in the sense that if a company starts performing badly, they may fall out of that top 500, and you'll no longer hold that investment. But it's less centralized, and there's no sort of real potential upside to outperform the markets because you're just following what the markets are doing, whereas the fund manager tries to actively beat those markets by picking Yep. and choosing winners, basically. Okay. Now in regards to that, Jackie, would you still wanna keep an an active portion in that, or would you rather sort of just go the passive for the moment and then maybe review at a later date? Okay. Like you said, it's the 10%. Yeah? In the actual Yeah. Yeah. Understand. Yeah. As I said, like, it didn't perform quite well the the past twelve months given what did occur at the November there. But even then, it hasn't impacted your portfolio significantly to where it sort of had too much of a negative impact. So from that, obviously, you know, you can still look to have an active portion to try and have that little bit of, like, aggressive performance because even if it rises or falls, it doesn't hurt your portfolio by much.","start_word":3321,"end_word":3754,"sentiment":"neutral","sentiment_score":0.013551925360504109},{"text":"And if it does well, it obviously does better for your portfolio.","start_word":3755,"end_word":3766,"sentiment":"positive","sentiment_score":0.3996213674545288},{"text":"Okay. I'm gonna remember that again. Yep. We'll just look to update that with an active portion there. Now in regards to the insurances there, Jackie, now I know you're currently on maternity leave. Did you plan on returning to work shortly? How long do you think you sort of stay on maternity leave before you return? I will return November. In November, was it? Sorry. This year, November, I will return to work. So couple of months. Yep. Yep. So you'll still be at home caring for your child for probably another sort of six or so months? Yeah. Yep. Because with that, were you a part time worker or casual when you left your employment? Part time. Yep.","start_word":3767,"end_word":3886,"sentiment":"neutral","sentiment_score":0.04255734384059906},{"text":"Perfect.","start_word":3887,"end_word":3887,"sentiment":"positive","sentiment_score":0.33369022607803345},{"text":"So with that there, we can obviously look to review that currently. But given you are on maternity leave, when rewriting the policy, some may rate you just a little bit worse off given that you are stay at home mother currently, and, obviously, you're still returning to work. You still have that job there that can you can go back to. So it's definitely an option to review. The other option there is I know you wanted to increase your cover as well as sort of review it as a whole. So another option there as well, your policy does renew around July, and you can when having children and things like that. It's called, like, a life event, and you can do, like, a free increase through your your insurer without having to go through underwriting up to 25% or 200,000 depending on what the lower amount is, which given your policy would be the 200,000. So you could look to increase your life by 200,000 without underwriting. The other alternative is to go back to the market and then see how they'll assess you, and we'll have to just sort of do a quick pre assessment questionnaire just to make sure that nothing's changed into your original policy. Because I know you're concerned a little bit with the price as well.","start_word":3888,"end_word":4111,"sentiment":"neutral","sentiment_score":0.06868509615638427},{"text":"Now you definitely can It's the price I feel like the price I pay is not covering enough of my cover.","start_word":4112,"end_word":4132,"sentiment":"negative","sentiment_score":-0.3605790138244629},{"text":"Yes? so at the moment, you pay around 2,400 as an annual premium to insurances, and I'll just see if that's before or after the the rebate. Let me just check. I just wonder if any other company will offer better deals. Yes. So with that one, in regards to going back to market, given the age of policy, you definitely can go and have a look to see what that may look like in terms of what you're paying currently versus what the market's willing to offer. So you do get a 15% rebate inside superannuation. So you're currently paying around 2,000, which obviously goes up a little bit each year for the 800,000 of life PPD and the income protection portion. Now the only thing we're going back to market there is if anything's changed in regards to your health, like a pregnancy is not an issue, but anything health wise that has occurred in the last sort of four to five years that isn't originally an exclusion on your current policy may end up being an exclusion on your policy if your health has changed, if that makes sense. I haven't changed. My house hasn't changed. Yep. All still largely unchanged.","start_word":4133,"end_word":4336,"sentiment":"neutral","sentiment_score":-0.06407112628221512},{"text":"Perfect.","start_word":4337,"end_word":4337,"sentiment":"positive","sentiment_score":0.46052849292755127},{"text":"And would you have time to complete a bit of a pre assessment questionnaire just in regards to your occupation that it was and a little bit about your health, family history, and that at the moment? Yep. Yep. Perfect. Bear with me. I'll just bring it up. Let me check. You were working as a registered nurse. Is that correct? Yep. And how long have you been doing that specific role? My name is actually Sorry. Cut out just a little bit. What was that? ninety years. Actually, ninety years. Right. You know, work for some years for four years. And then So the nursing four years current role and then maybe twelve years industry? oh, that Yeah. Probably, yeah, fourteen years, something like that in the industry. Put it. And Yeah. then And four that's years in your current role? I wrote yeah. I've been working for them for four years. Yep.","start_word":4338,"end_word":4491,"sentiment":"neutral","sentiment_score":0.037259956068879406},{"text":"Perfect.","start_word":4492,"end_word":4492,"sentiment":"positive","sentiment_score":0.48070627450942993},{"text":"And was your annual income around the 72,000 as a part time worker? Yeah. Yep. And you're doing around sixty four hours of fortnight? Yep. Yep. And then with that one, would you be returning to part time work when you went back, or would you be doing, like, casual work? Or I'll be part time. Yep. And then with that, you've just got your bachelor of nursing in relation to that degree. Do you have any other qualifications? Just bachelor nursing. No. Perfect. And you've never declared bankruptcy or entered a part nine debt agreement at all there. Have you checked it? Bankruptcy. No. Yeah. Okay.","start_word":4493,"end_word":4599,"sentiment":"neutral","sentiment_score":0.04807950556278229},{"text":"Brilliant.","start_word":4600,"end_word":4600,"sentiment":"positive","sentiment_score":0.4793310463428498},{"text":"And then in regards to your manual duties that you do there, what ward are you in? Are you sort of lifting patients or doing anything physical in regards to your role? Like, Sorry. I missed that. manual duties? Like, what ward are you on? Are you sort of assisting with helping patients, lifting Code. I'll patients? be in medical. Yeah. So Yep. And then with that, do you do many manual lifting duties or anything like yes. that? We do yeah. We do include manual handling. Yep. And what does that sort of entail, if you don't mind me asking, Jackie? Like, carrying patient, like, with the machines? Would you using machines, sir? So you're only ever really sort of rolling them between, like, the lifts and Yes. harnesses? Probably provides pressure care. You gotta load them and get them up. Sometimes if the patient cannot get himself up, you just have to use the machines to get them up. It's always by two staff. Yep. And then do you travel at all for your work between, like, different places, or you're just at the one? Just one place for now. Just one place. Yep. And are you handling any hazardous materials apart from sort of medication? Do you hand like, you're handling needles and Yeah. yep. Any anything to do with radiation or anything like that? Oh, not radiation for now. More like, accumulation. Sorry. I cut out a little bit. What was that? Sorry. Like, accumulation. Like, you just talk about Oh, take cannula. Yeah. Sorry. Yep. And do you intend to change your employment within the next twelve months of, like, returning or anything like that? No. Yep. And you don't have a second job at all? I'm not sure. I have a Yep. look for it. Yep. And do you intend to travel or live overseas in the next sort of twelve months or longer? No planning to go yet. So you maybe go on a trip sort of in the future? Maybe. Yeah. Yep. I'm planning it.","start_word":4601,"end_word":4943,"sentiment":"neutral","sentiment_score":-0.007079195307225597},{"text":"Perfect.","start_word":4944,"end_word":4944,"sentiment":"positive","sentiment_score":0.4976428151130676},{"text":"And then do you participate in any sports or pastimes or any hobbies? Obviously, with the trial, that's probably a little bit on the back burner, but do you have any sports that you play or anything like that in your free time? No. I do running. Yep. And do you smoke at all at the moment there? No. Okay. And do you or have you sort of used illicit substances in the last sort of five to ten years? No. Brilliant. And currently, at the moment, I have your height and weight around one seventy and seventy. Obviously, having a child so recently, that's maybe changed a little bit. Is that sort of roughly the same? Or What's one my height? One seventy nine is what I've got. One sixty nine. I was now I'm one seventy nine. I was one sixty nine. January? Okay. That was probably just a typo there. And then as far as your wife, do you know roughly what you're weighing at the moment, Jackie? I know it's quite personal question, but No. it's just It's seventy seventy six point six. seventy six? Seventy six point six. Yeah. And then, obviously, the the weight loss was just in regards to having a child. You obviously weighed a little bit more back in October having a baby inside you? Yeah. Yeah. That's right. Yeah. And do you drink at the moment, Jackie, in terms of, like, standard drink No. no drinking? Perfect. Now these are just going to be a few medical questions just in regards to family. So this is related to specifically, like, mothers, brothers, sisters, you know, like your parents, siblings, not sort of aunties, uncles. So I'll just rattle off these questions. Just feel free to stop me if anything sort of pops up that you have a family history or know of. But any family history of heart attacks, heart attacks, or heart disease, sorry, or strokes? No. Yep. Any multiple sclerosis, Parkinson's disease, or Alzheimer's in the family? No. Motor sorry. Muscular dystrophy, Huntington's, or motor neurone disease? No. Any sort of history of bowel cancers, melanomas, anything like that? No. Polycystic kidney disease, breast ovarian cancers, or any mental health conditions? No. Yep. Any history of cardiomyopathy or any diabetes or anything like that? I got gestational diabetes, but that's when I had the baby. Yeah. And is that being cleared up now now that you've had the the chart, or is that still ongoing that you're being treated for? Probably finished. Finished. I haven't go back to doctor, but I was on an injury. Now I'm no no longer an issue anymore. Yep. And when was the date of that diagnosis that they've sort of realized that you had testational diabetes? I don't know why I got pregnant. So last year, probably May. Yep. And then with that, was that just during one of your checkups that they found that out with your blood test and things like that? Yeah. It was just a check. I I actually found out myself. Okay. Did you have symptoms that made you do a check? Or I just randomly checked my sugar at work and then I see it's very high. So I may just after I found out maybe I have gestational. I went to the doctors and they found out. Okay. Yeah. So you weren't really having any symptoms just being in the medical field. You decide to, you know, be proactive? Yep. No problem. And when was the last time that you took insulin for that one? Angeline. Yeah. When was the last time you had a dose of insulin So for that that condition? one for, like, the dates probably, she went on the October 19. So I had it on the eighth twenty eighth the October 18. After before, my shoe will go back to normal. Yep. And when was the the first time you sort of started taking the insulin because of that? Was sort of around May as Usually. well? When was the first was around May when you first started taking the insulin for that? Yes. Something like that. Yep. And then how often did you have to take the insulin as a result of that? Three times a day. Yep. And you said you've just got to get a full, like, a a checkup that you've made a full recovery otherwise to make sure that it's fine? I haven't checked that, but I should go back to doctors. I have one thing. Yep. But but sugar is okay at the moment. I should do, Yes. like, day check myself, but I haven't got back to doctor to check properly. Yeah. Okay. No problem. Do you plan on doing that sort of soon? Because, generally, when that you have to go check up or, like, intend to go see a medical professional for any reason, you they wanna hold off just to see what the results of that are. So do you plan on doing that sort of shortly? Yeah. Definitely, we'll go back to doctors to check to make sure everything is cleared. Yeah. Yep. Do you reckon you'll do that sort of in this month? Or Yeah. Something like that.","start_word":4945,"end_word":5824,"sentiment":"neutral","sentiment_score":-0.03958400971658359},{"text":"I just want to go maybe eat more healthy, you know, so I can okay.","start_word":5825,"end_word":5839,"sentiment":"positive","sentiment_score":0.43053773045539856},{"text":"yep. Because with that, we just may have to wait until you sort of get cleared by the doctors themselves. Obviously, you know, being in the medical profession, you probably understand that, like, you know, just as some diabetes generally does sort of fall off once you have your your child. And then with that, you just not need the the doctors all clear from that checkup just because they wanna see if anything else comes from that checkup as well, if that makes sense. Okay. Just with anything, even if you were just going for a standard health check for, like, medical fee, you know, just for your yearly check, they'd normally sort of hold off on offering sort of terms for cover just in case anything came from the checkup you were going to see, if that makes sense. Yep. So we might just have to we'll still sort of do it anyway. And then from that, we'll basically just wait Yes. until I'm you've had you to. diabetic. That's all gonna affect my premium. Is that right? The gestational diabetes doesn't make much of a difference. No. But if you were to sort of get diagnosed ongoing with continuous, like, diabetes, like, type one, then or two, then that can affect in terms of, like, exclusions and loading, which No. is something we have been mindful of. Obviously, gestational diabetes is something that's due to pregnancy. So if you do get the all clear from the doctor, it should be fine. As far as, like, anything else that comes up from that, even if you weren't going in there for any specific reason, you were just going for a doctor's checkup, the insurers would likely wait until you've had that checkup before they were willing to offer terms just in case something did come up from that if that makes sense. Yes. Yeah. But that's fine. We'll still sort of start the process and continue with that one. And then from there, we can obviously look the the options depending on when you do actually go get your your checkup done. But any other family history that you can think of in regards to, like, your mother's brothers, sisters, anything like that? My mother probably got my mother has diabetes. She does have diabetes? Yeah. Yep. And is that type one or two? Up to. Yep. And then when was she diagnosed with that? Probably two years ago. Two years ago? And do you know how old she was roughly when that was diagnosed? She's 61, so she will be fifty fifty nine. And so I just did a typo that did you say it was type one diabetes? Oh, two. Sorry. Sorry. My workbook just played up on me there for a little bit. And anything else you can think of in relation to the family? No. Just a just a diabetic. I think my mom has and pretty much everybody else is healthy. Yep. Yeah.","start_word":5840,"end_word":6339,"sentiment":"neutral","sentiment_score":-0.08445905861631035},{"text":"Okay. Brilliant.","start_word":6340,"end_word":6341,"sentiment":"positive","sentiment_score":0.46968820691108704},{"text":"And now these questions here related specifically to yourself there, Jackie. So I understand that these can be quite prying, but, obviously, the insurers just do wanna know, obviously, your complete health history. So I do apologize if some of these do come across a little bit harsh, but I'll run through these same as the family questions, and you can just let me know if anything pops up. But Yep. have you suffered from any stress, anxiety, depression, or mental health? No. Yep. Any skin cancers, tumors, skin lesions, moles, or cysts? No. Yep. Any back issues, neck strains, pain, sciatica, or spondylitis, or any back or neck problems? No. Yep. Any bone joint fractures, muscle, ligament tears, any gout or arthritis, anything like that? No. Yep. Any HIV, No. Hep B, or C? Yep. Any heart conditions? Blood No. conditions or previous surgeries? Yep. Any diagnosis of cancers, respiratory, asthma issues, anything like that? No. Any disease or conditions of the eyes or ears? Any high cholesterol or skin conditions that you've been diagnosed with? No. No. Yep. Any thyroid condition or any other health conditions that you can think of?","start_word":6342,"end_word":6534,"sentiment":"neutral","sentiment_score":-0.05332190970470405},{"text":"Perfect.","start_word":6535,"end_word":6535,"sentiment":"positive","sentiment_score":0.530430793762207},{"text":"And now these ones can be a little bit forward there as well, but have you had any abnormal cervical pap smear tests including the detection of h I HPV or any abnormalities? Yep. Any abnormal vaginal bleeding within the last twelve months, obviously, apart from having No. a child? No. Yep. Any breast lumps or abnormal mammograms or breast ultrasound? Sorry, Jackie. Did you hear me on that one? No. Oh, sorry. So in regards to your checkups, obviously, you just plan on going for a bit of a checkup for the gestational diabetes and then obviously just in regards to your general health probably for having a child and then the baby checkup as well. But can you think of any other health conditions or anything else that you sort of might have left out not that matching up to those questions at all? No. Perfect. So what we'll do from there, Jackie, we'll just basically send those off to the insurers and just see how they'll rate you in terms of cover. As I said, they will wait until such time that you do get an all clear from the doctor, basically. So we'll just pre assess based on the fact that you get the all clear check and see what they'll offer terms at in terms of the pricing and the cover that's available. And then it should be fine at the moment that you're currently on maternity leave if you're going back to part time work and that's not changing. But we'll see if that's still the the case when we go to that. Otherwise, we can just review it at such time that you are returned to work. Now I know you did want to increase the cover amount for your life and total permanent disability portion. Have you had a thought about what you wanted to increase that to or what you'd want to cover for? I think my new info is W115. 1.5. Yep. Was that just having the child you wanna ensure that, you know, if something were to happen to you that they can be looked after? Is that sort of the mindset behind that? Yeah. That's right. Yep.","start_word":6536,"end_word":6904,"sentiment":"neutral","sentiment_score":0.033661339432001114},{"text":"Perfect.","start_word":6905,"end_word":6905,"sentiment":"positive","sentiment_score":0.3666621446609497},{"text":"We can have a look at 1.5 and then maybe even a million dollars worth of cover and just see what the pricing difference will look like that. Now given that we're looking at cover again there, Jackie, we can essentially look at trauma insurance as well, which I know you originally didn't go ahead with there. So within regards to trauma insurance, just to refresh your memory, that's like the insurance that covers for things like heart attacks, strokes. It's a premium that's paid out of pocket. But in saying that, it can sort of bridge the gap if you were to suffer a condition like a heart attack or a stroke where you may not meet the condition of income protection or total permanent disability, but it can sort of assist in covering sort of medical costs and some time off work if something like that were to occur, if that makes sense. So the okay. I got the income income protection. Yep. So the trauma what what the trauma cover? The So it it cover covers the for, like, trauma traumatic events. It is a lump sum payment that can be that pays like, you pay out of pocket full. It can't be held within superannuation like your other covers. And then say if you were to suffer a heart attack so with your income protection policy, you have to be sick or injured off work for more than thirty days to be able to start claiming on your income protection. If you were to suffer sort of a a heart attack, but you're only off work for a couple of weeks and then you can cleared and return to work, you may not be able to claim on that income protection policy. Whereas if you did suffer it and had trauma cover, the likelihood of that white pay, if it was covered under their conditions, then you would get that lump sum payment and be able to take some time off work. Now you you run the sense that if you do have some suffer from something that is still covered under income protection, you aren't going to work within that sort of month period and you do meet the condition of paying an income protection claim, you'd still get covered on that. Whereas just that trauma cover can cover certain things. Yeah. It's a lump sum payment in addition to, you know, some people might get diagnosed with certain skin cancers and other cancers where you may not be medically unfit to work yet, and you still have to work to cover bills and expenses because you can't just opt to not work.","start_word":6906,"end_word":7353,"sentiment":"neutral","sentiment_score":0.010296617243771577},{"text":"You have to be unable to work for income protection, if that makes sense.","start_word":7354,"end_word":7367,"sentiment":"negative","sentiment_score":-0.4912082254886627},{"text":"What about the TPD? Like, say well, if you have cancer, obviously, you go through k mode, you won't be able to work. Is it considered as a TPD? So with TBD, you have to be signed off by a specialist and another medical professional that you will not be returning to work, like, ever. Like, you're totally permanently disabled and not returning to the workforce, which is quite, like, severe in terms of that, whereas the trauma, you've just gotta meet one of the conditions in terms of that. So it sort of bridges the gap between those types of covers where you may suffer something that isn't related to that where you can make a claim that would be valid. But it's one of the more claimed on types of insurances, if that makes sense, because you just have to be hit with one of those conditions that are listed. Obviously, it's different between the different providers. But in saying that, it can sort of pay with some of those ones you might not be eligible to pay or might not be yet, if that makes sense.","start_word":7368,"end_word":7556,"sentiment":"neutral","sentiment_score":-0.21386338770389557},{"text":"Like, if you got cancer and then you sort of end up totally permanently disabled where you're not working, that may sort of take, you know, six to eight months if it's quite severe.","start_word":7557,"end_word":7590,"sentiment":"negative","sentiment_score":-0.36905384063720703},{"text":"It might take years if it's not as severe or and it sort of just progresses, whereas the trauma payment would sort of pay as you get diagnosed with the condition. Okay. Yeah. Okay. That's what about the income protection? How many like, how long the income protection can protect you? So with income protection, the the policy that you have there, it's basically a a sixty day waiting period and a five year benefit period. So you would actually have to be off work or not able to work for sixty days before you'd be able to claim on that. And then if you did make a successful claim, it would pay for up to five years for that monthly benefit amount, which, yeah, in saying that as well, like, some conditions, you may not be sick or off work for that sixty days, if that makes sense. So the trauma to tell me how long the trauma will cover you? It's just a lump sum payment. So as long as you meet the condition of that trauma policy or just pay out, like, as soon as you sort of get diagnosed and do the process of the claim and then what however long that takes to go through the claims process. How much is the lump sum? So Covered. generally generally, we just sort of do as a base amount just a year's worth of income depending on that. Some people like to do more, some people like to do less, some people like to do the after tax amount. Obviously, there's certain taxes involved with lump sum payments, so we generally aim for about a year's worth of income replacement. So if you do suffer one of those conditions that are covered, you just get, like, a year's worth of salary. So if you were to take some time off work or cover certain medical expenses. Okay. Is that something you wanna look at and see what the general Yeah. pricing might look like? Yeah. Probably. Yeah. Yep. No problem. We can have a look and see what they'll look at in terms of that as well. And would you just be looking to do around sort of a year's worth of income, say around the the 75,000 mark? Or Yeah. Yep. And then with your income protection, given that it's the sixty day wait at the moment, is there something you wanted to review and potentially look at what thirty days look like? Are you happy with the sixty days? Then the event that anything did happen, you'd have to be off work for sixty days to make a claim. Actually, you know what? If I call the trauma, like, the trauma one cover, that should be fine. Yeah? So as I said, it doesn't always marry up, but sometimes, yeah, it it would work out to where, like, you can get the trauma policy and then sort of sixty days later if you're still off working and sort of look at IP and use that as a sort of risk mitigation tool. But that's not always the case that some conditions would be covered under trauma. Like, if you're just sort of just got the the flu and then you're unable to work and it sort of keeps going on, that might be not considered under trauma, but it might sort of be able to claim on an income protection policy same with, like, certain broken bones and things like that. Whereas if you What what about my let's say, I'm having a baby. Would that come as income reduction if I'm not able to claim from the work?","start_word":7591,"end_word":8204,"sentiment":"neutral","sentiment_score":-0.06128596172289595},{"text":"No. See, it it just you have to be medically unfit to work from injury or illness, not just that you've sort of had a child and don't wanna return from work sort of thing or just, like, to conflict.","start_word":8205,"end_word":8244,"sentiment":"negative","sentiment_score":-0.4962517917156219},{"text":"So you gotta meet, like, the strict definition still under the PDFs to be able to claim on certain conditions. We can have a look and see what the the pricing looks like, but if you do, it our concern with cost as well, income protection is the more expensive insurance cover. And by reducing that down to thirty days, the in premium will likely increase quite significantly as opposed to that sixty days. Yeah. Yeah. I just wanna compare to see how how this other company, you know, was if the other company has bad offers. Or Yep. No problem. We can have a look at that in between the sixty and thirty, and then we might even look at sort of a a two year benefit period and a thirty day to where you it wouldn't pay for as long.","start_word":8245,"end_word":8386,"sentiment":"neutral","sentiment_score":-0.14001618325710297},{"text":"So the five year benefit period is quite comprehensive in the sense that if you were sort of injured or illness and if you're off work for five years, the likelihood of you returning to work is quite slim.","start_word":8387,"end_word":8425,"sentiment":"negative","sentiment_score":-0.4358234405517578},{"text":"You can look at a two year benefit period, which is less that if you do end up on a claim, it would only pay for two years, but that can sort of reduce pricing and cost as well. Okay. Yeah. But we can just compare a few of those options there for you.","start_word":8426,"end_word":8479,"sentiment":"neutral","sentiment_score":0.2411377876996994},{"text":"Jackie, just to show you what that looks like.","start_word":8480,"end_word":8488,"sentiment":"positive","sentiment_score":0.34993886947631836},{"text":"But do you have any other questions or concerns that you want addressed at this time?","start_word":8489,"end_word":8504,"sentiment":"neutral","sentiment_score":0.07803624123334885},{"text":"I think so far it's okay. Yep. As I said, we'll start that process there for you, and then we'll just get a start on that.","start_word":8505,"end_word":8530,"sentiment":"positive","sentiment_score":0.421915739774704},{"text":"As I said, it may sort of take a little bit longer because we will have to get confirmation after you've sort of had that checkup to be cleared.","start_word":8531,"end_word":8559,"sentiment":"neutral","sentiment_score":0.08690905570983887},{"text":"So once you sort of have that, if you could reach out just via email or text and just let us know if you just got cleared and everything's fine and that doctor didn't find anything else, then we can sort of still proceed as well. Perfect.","start_word":8560,"end_word":8606,"sentiment":"positive","sentiment_score":0.3759464919567108},{"text":"But do you have any other questions for me, Jackie, while you've got me there?","start_word":8607,"end_word":8621,"sentiment":"neutral","sentiment_score":0.22437456250190735},{"text":"No problem. Well, I'll let you get back to your day.","start_word":8622,"end_word":8632,"sentiment":"positive","sentiment_score":0.5171765089035034},{"text":"Sorry to take up so much of your time this morning.","start_word":8633,"end_word":8643,"sentiment":"neutral","sentiment_score":0.25957009196281433},{"text":"Good luck with your your child in the back, and then we'll we'll we'll talk soon, I'm sure. No problem, Jackie. Thanks. Bye.","start_word":8644,"end_word":8666,"sentiment":"positive","sentiment_score":0.4619077146053314}],"average":{"sentiment":"neutral","sentiment_score":-0.036688948831751}}}}