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Now I've got a bit of an updated strategy to run through with you today. I'm not sure if the team let you know, but we were doing some work on the insurance side of things since you came on board. Now that you've gone through security and everything, I was just wondering if you had access to your email to look onto it with me. Me. If you don't, that's okay. I can just send it through, kind of walk you through the cliff notes, and give you some time to read through. No. That's totally fine. So what I'll do is I'll pop it through just so you've got it. And I'm just using your Hotmail address, c_0.5star@Hotmail.com? Perfect. Now just to kind of give you a bit of background context, so there's a solid nine documents coming through. I do apologize. Whenever we do any product recommendations, we have to attach about 1,200 pages worth of product disclosure documents too. So there's a statement of advice is the main one, and then some quotes, and then basically just service guides with us and product documents for the super and the insurance. So all of that will go through. And your your case in your file has essentially been escalated to me as the senior adviser just to try and get you essentially retail insurance cover in line with your original discussion with us and the amounts that you originally wanted to obtain. Obviously, there was some health investigations going on, and you've since had that finished. And so we've gone through the research side of things. Cool. Now just to give you a couple of quick points on this document itself because you probably remember from your first one, we include a scope of advice on what we're covering, and this document is purely just insurance scope only. There's nothing in here about cash flow, debt management, superannuation changes, or anything of the like. It is really just trying to get in place that top up that you're originally aiming for. Now as a bit of a recap as well, we do have your details listed in there as well. Do you mind if I just quickly check if these details are current? Perfect. So in the about you section, we have you listed down as a teacher for the correctional centers on about 108,000 per annum. Okay. Good thing to double check before I go any further. So in terms of occupation title, Technical officer. And did that have any linking towards correctional facilities or no? Tertiary. Teacher for Thank you very much for that. Let me have a quick look. I am looking at the wrong document. I do apologize. Alright. Let me grab the correct one up. Technical officer 82000. Does that sound more correct? I am so sorry. I have four screens going, and I'm usually pretty good with them. And okay. Perfect. Well, great for us to check that up front before I went any further with it. So that your email address, phone number hasn't changed. That's all great. We had you de facto marital status. Perfect. Yep. De facto. The only real main sort of asset we had on file was motorbike kind of things. No million dollars hidden under a mattress or anything like that. Perfect. Hopefully, one review that will just pop up randomly, and we can just tick off the goals as all met twenty years early. Hey? Fair. Absolutely. I've got two cats and a dog, so I know exactly what you're talking about. We have your hub 24 super. And so originally, when you came on board, we put in place a little bit of life and TPD insurance, about 200,000 of each. And you were aiming for around about 750,000 to cover everything, essentially. We were also talking about you spoke with Carl about income protection, and he did mention things like trauma insurance as well just as a bit of an exploratory thing. That's for heart attack, stroke, and cancer, that kind of thing. Now when you go through there, we basically compare the top five providers for you, and we found that most of the providers had a pretty good occupation rating for you. Their feature score was all sitting around about the 78 to 82, which is pretty well the the sort of highest you can get. There's a lot of policies that are in the sixties. Very rarely have I seen anything above 85. We've picked the one that had the lowest premiums for your occupation. And, basically, what we've recommended to do is go through a provider called Zurich who is very good with your your industry. They kind of come out the best in terms of pricing. I have recommended two. So just to kind of swing into the health side of things a little bit, I'm recommending that we keep the 200,000 that we put in place through Hub as a kind of baseline cover because that kind of default group cover is not gonna get the exclusions and everything that you're expecting from your previous conversations. So what I've recommended essentially is 550,000 top up of life and CPD, income protection for 70% of your income with a we had it there as a sort of ninety day waiting period, age 65 benefit period just kind of in line with that chat that you have with Kyle. Bear in mind that that cover amount will probably get you after tax around about a thousand dollars a week in the hands because it is kind of gross payments. The maximum is 70%. Yeah. So it's 4,783 per month, and that equates to about a thousand dollars a week. No. You're totally fine. So that cover amount will basically get you through right through to the age of 65. It works in tandem with the TPD cover. So if you're in a very, very long term injury or illness, you'll get your income protection. You can also claim on the lump sums, the the 550, the 200 on top of that if that gets that serious. Now just quickly on the sort of health side of things, we did have you basically quitting vaping possibly about six to twelve months ago. Does that sound about right? Cool. So just in case, because it had just been a little bit of time between conversations, I did quote it up as smokers' rates to see the worst case scenario. And if we get you to twelve months nicotine free, you can apply nonsmoker's rates pretty much straight away. So when it comes to cost, it's always around about a 50% difference. It can be quite quite hefty. In terms of the the premiums through the super, though, with the rebates and everything that you get, it would still be under about 2,000 coming out of the super. We've gotten it down to about 1,600 per year for all of the life insurance disability and income protection. Now I usually apply that for a dozen. Correct. Probably about 900 ish. Yep. I usually get a bit of a flag. Yeah. It's quite punishing. Smoker's race is probably one of the roughest loadings, we call them, in the industry, and it's very easy to get off with that twelve month tick off. It's basically just a a nonsmoker's declaration, and it's usually like a one page form. If it's usually above 2,000, it would start to impact your super growth a little bit because of obviously your contribution rate versus the growth. And if it was hitting 3,000 or above with any health based loadings, it would be hitting that unaffordable territory in in my opinion. So I have recommended because it was about $700 cheaper than all the other providers without skimping on any features or fine print under the hood. I have included that too. So when it comes to the trauma insurance side of things, Carl would talk to you about possibly having a year's worth of income replacement after tax, so around about 60 5,000. A bit of a lump sum if you were diagnosed with a heart attack, stroke, cancer, or a severe medical condition. And that can range from, you know, bacterial meningitis, organ failure, all that kind of thing. So if you think of the landscape a little bit, life insurance is pretty self explanatory. If you pass away, here's a lump sum. Disability cover is if you can never work again, and income protections if you're out of work temporarily for, you know, a few months, a few years. The trauma cover is if you get that diagnosis or for some people, I've seen the people that have a heart attack and then go back to work the next week. Pretty serious thing has happened to them. Maybe they have to go get treatment follow ups, maybe spend a bit of time at home, but they may be straight back to work. So this is basically just a lump sum to help with medical costs, time with family, things like that. It includes cancer diagnosis as well. Now that one is the one that he would have probably mentioned to you originally is only payable out of pocket. It's not payable through the super. It is basically like a direct debit monthly premium. We have found this one to go at around about 20 about $20 a month, $21 a month out of pocket, including the smoker's rates. So I wanted to run that one by you and say, first of all, is $21 a month affordable? And do you feel like that might be valuable as a type of insurance? Mhmm. Yep. Yeah. Yep. So what we do in this case is when we get to that end of that statement of advice document, there is essentially, where you sign, there's an authority to proceed, and there's a text box just above it if you would like to vary any of the recommendations you would like to go ahead with. What you can essentially just put in there is just type in there no trauma insurance or do not wish to proceed with trauma cover, and we can exclude that from the implementation. Perfect. Implementation. Perfect. When it comes sorry? Yeah. Absolutely. So we'll schedule essentially an annual review in, and I'll put a flag on the file to revisit that when we talk about the annual review. We'll talk about the super, how that current policy has been going, any other changes or advice, and then we'll also talk about an updated quote for that as well. Yep. Absolutely. That's totally fine. When it comes to the health side, you were expecting some exclusions based on previous discussions. I have included here essentially all the notes that we had from the insurers because we called everybody just to get a bit of a lay of the land to find who would give you the best outcome, if that makes sense. Now what I'm kind of looking at is standard rates for the life insurance. No issues there. We are looking at, obviously, the smokers' rates. That's reviewable after that twelve month period. Again, policy doesn't have to be running for twelve months. You just have to have been able to do that nonsmoker's declaration. We've got the foot that came out fine from the pre assessment you did with Caden. As far as Hashimoto's disease goes, we've got if the thyroid function test is normal, there are no concerns. If there has been no recent test, they may request a thyroid function test. Sensational. So as long as when we go through the application, you can kind of just give Jack and the team those details. I'll put in there two months ago, thyroid test normal. They'll just ask you, you know, for you when Correct. Early August. Alright. So that will go through. No problems. We've got likely exclusion on the TPD income protection trauma for endometriosis and mental health. That'll be the two that will be the exclusions we're expecting. Yep. There is. There's two ways that we approach it. So the insurers apply, like, a ten year minimum review in terms of symptom and treatment free, where you essentially, everything's resolved. But there is a lot of insurers that will accept, like, a five year period as well. So what may happen is in preview and sorry. In future reviews, we may actually look at another provider if we can do that two, three, four years earlier for you. That sound okay? Perfect. I think that was pretty much everything. So couple of exclusions. We won't go with the trauma cover. Life TPD and income protection look pretty good. As soon as we can do nonsmokers rates, that'd be fantastic on pricing, and we'd like to keep that hub cover in place as a bit of a baseline as well. Awesome. When you go through that document, there's a needs analysis, which just goes over the discussion you originally had on how we arrived at those amounts. And there's also a projection table, which basically just faxes in the premium impact on the super so you can see the impact that that's having over five and ten years. K. Pros and cons of the cover types are in there. I do apologize. The amount of text in the document is quite excessive, Covering off on every type of insurance and all the pros and cons of each one and how they're structured, insurance advice gets a bit excessive. Perfect. And one thing I wanted to check with you too is just in terms of the last question I have for the occupation. Lab tech usage of chemicals, I believe. And we'd noted down a number of chemicals from aldehyde, a few different things there as well. I think the rating that we found was like a obviously used PPE. No heavy usage of chemicals beyond, you know, 20% of your day. It's not all just sitting in a lab in a vat of chemicals kind of thing. That was, I think, the perfect. So I think it's as long as we're under 10 is easy sailing, anything above that would be a bit gray area. Perfect. I know I've just kind of dumped quite a lot of information at you on four types of insurances. Any questions at this point? Perfect. We have included, obviously, commissions payable for applying for insurance cover. So if you weren't already aware, whichever provider we go with, we get paid 66% of the first year's premiums as a commission for establishment and then 22% ongoing to look after the policy. And for Okview service, that just includes, obviously, management of the policy and further advice, but also claims assistance and claims advice. If something happens to you, we will jump in, help you get the claim through, and then also give you some advice on, you know, if you receive a million dollars, how do you make it last, all that kind of thing. Cool. Outside of that, so I was going to essentially pencil in a personal statement to go through the application for you and then pencil in a bit of an annual review in twelve months to go over everything in total. I did just wanna ask you, Cecilia, do you want me to put in any further catch ups before the end of the year or into the new year about any areas you would like to discuss? Correct. Actually, let me have a quick look because that might be a bit of a super review for yes. So you've got the it's quite an ethical portfolio I can see here in the super. And yep. Cool. So what we can do is we'll get the insurance applications underway. And then once all that is applied for in force, we'll have a bit of a catch up on the super and just see if we need to update anything on that side of things as well. Alrighty. In terms of time frames, I will send you through a bit of an updated quote when we do the application just to remove the trauma insurance from that. Do you have a bit of availability for next week? Perfect. Let me just bring up the implementation team for a quick moment. And in Perth, so we've got two hour time difference. I'll make sure I take that into account. And you said 3PM onwards? Perfect. So something like a 03:30. Would that be ideal? Yes. Correct. So for us, we do close, like, 07:00 Queensland time, 05:00 your time. So we should have plenty of time. Usually takes no more than twenty to thirty minutes. Alrighty. What I can do is I can put in a bit of a tentative appointment on Tuesday, the twenty second at 03:30. And from that point, if we need to reschedule, there is some free spots the next day as well. Perfect. Alright, Cecilia. I'll leave that statement of advice document with you. Please just remember when you go to sign that, if you can please put in the authority to proceed the box that you do not wish to proceed with the trauma, then I will forward that to the implementation team, and we will be speaking to you 03:30 WA time next Tuesday. You too. Have a fantastic evening, and we'll talk to you then. Thank you. 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afternoon, Cecilia. You've come through to Tommy there. How are you doing? I'm doing absolutely fantastic. Thank you so much for calling back in.\n\nNow I've got a bit of an updated strategy to run through with you today. I'm not sure if the team let you know, but we were doing some work on the insurance side of things since you came on board. Now that you've gone through security and everything, I was just wondering if you had access to your email to look onto it with me. Me. If you don't, that's okay.\n\nI can just send it through, kind of walk you through the cliff notes, and give you some time to read through. No. That's totally fine. So what I'll do is I'll pop it through just so you've got it. And I'm just using your Hotmail address, c_0.5star@Hotmail.com?\n\nPerfect. Now just to kind of give you a bit of background context, so there's a solid nine documents coming through. I do apologize. Whenever we do any product recommendations, we have to attach about 1,200 pages worth of product disclosure documents too. So there's a statement of advice is the main one, and then some quotes, and then basically just service guides with us and product documents for the super and the insurance.\n\nSo all of that will go through. And your your case in your file has essentially been escalated to me as the senior adviser just to try and get you essentially retail insurance cover in line with your original discussion with us and the amounts that you originally wanted to obtain. Obviously, there was some health investigations going on, and you've since had that finished. And so we've gone through the research side of things. Cool.\n\nNow just to give you a couple of quick points on this document itself because you probably remember from your first one, we include a scope of advice on what we're covering, and this document is purely just insurance scope only. There's nothing in here about cash flow, debt management, superannuation changes, or anything of the like. It is really just trying to get in place that top up that you're originally aiming for. Now as a bit of a recap as well, we do have your details listed in there as well. Do you mind if I just quickly check if these details are current?\n\nPerfect. So in the about you section, we have you listed down as a teacher for the correctional centers on about 108,000 per annum. Okay. Good thing to double check before I go any further. So in terms of occupation title, Technical officer.\n\nAnd did that have any linking towards correctional facilities or no? Tertiary. Teacher for Thank you very much for that. Let me have a quick look. I am looking at the wrong document.\n\nI do apologize. Alright. Let me grab the correct one up. Technical officer 82000. Does that sound more correct?\n\nI am so sorry. I have four screens going, and I'm usually pretty good with them. And okay. Perfect. Well, great for us to check that up front before I went any further with it.\n\nSo that your email address, phone number hasn't changed. That's all great. We had you de facto marital status. Perfect. Yep.\n\nDe facto. The only real main sort of asset we had on file was motorbike kind of things. No million dollars hidden under a mattress or anything like that. Perfect. Hopefully, one review that will just pop up randomly, and we can just tick off the goals as all met twenty years early.\n\nHey? Fair. Absolutely. I've got two cats and a dog, so I know exactly what you're talking about. We have your hub 24 super.\n\nAnd so originally, when you came on board, we put in place a little bit of life and TPD insurance, about 200,000 of each. And you were aiming for around about 750,000 to cover everything, essentially. We were also talking about you spoke with Carl about income protection, and he did mention things like trauma insurance as well just as a bit of an exploratory thing. That's for heart attack, stroke, and cancer, that kind of thing. Now when you go through there, we basically compare the top five providers for you, and we found that most of the providers had a pretty good occupation rating for you.\n\nTheir feature score was all sitting around about the 78 to 82, which is pretty well the the sort of highest you can get. There's a lot of policies that are in the sixties. Very rarely have I seen anything above 85. We've picked the one that had the lowest premiums for your occupation. And, basically, what we've recommended to do is go through a provider called Zurich who is very good with your your industry.\n\nThey kind of come out the best in terms of pricing. I have recommended two. So just to kind of swing into the health side of things a little bit, I'm recommending that we keep the 200,000 that we put in place through Hub as a kind of baseline cover because that kind of default group cover is not gonna get the exclusions and everything that you're expecting from your previous conversations. So what I've recommended essentially is 550,000 top up of life and CPD, income protection for 70% of your income with a we had it there as a sort of ninety day waiting period, age 65 benefit period just kind of in line with that chat that you have with Kyle. Bear in mind that that cover amount will probably get you after tax around about a thousand dollars a week in the hands because it is kind of gross payments.\n\nThe maximum is 70%. Yeah. So it's 4,783 per month, and that equates to about a thousand dollars a week. No. You're totally fine.\n\nSo that cover amount will basically get you through right through to the age of 65. It works in tandem with the TPD cover. So if you're in a very, very long term injury or illness, you'll get your income protection. You can also claim on the lump sums, the the 550, the 200 on top of that if that gets that serious. Now just quickly on the sort of health side of things, we did have you basically quitting vaping possibly about six to twelve months ago.\n\nDoes that sound about right? Cool. So just in case, because it had just been a little bit of time between conversations, I did quote it up as smokers' rates to see the worst case scenario. And if we get you to twelve months nicotine free, you can apply nonsmoker's rates pretty much straight away. So when it comes to cost, it's always around about a 50% difference.\n\nIt can be quite quite hefty. In terms of the the premiums through the super, though, with the rebates and everything that you get, it would still be under about 2,000 coming out of the super. We've gotten it down to about 1,600 per year for all of the life insurance disability and income protection. Now I usually apply that for a dozen. Correct.\n\nProbably about 900 ish. Yep. I usually get a bit of a flag. Yeah. It's quite punishing.\n\nSmoker's race is probably one of the roughest loadings, we call them, in the industry, and it's very easy to get off with that twelve month tick off. It's basically just a a nonsmoker's declaration, and it's usually like a one page form. If it's usually above 2,000, it would start to impact your super growth a little bit because of obviously your contribution rate versus the growth. And if it was hitting 3,000 or above with any health based loadings, it would be hitting that unaffordable territory in in my opinion. So I have recommended because it was about $700 cheaper than all the other providers without skimping on any features or fine print under the hood.\n\nI have included that too. So when it comes to the trauma insurance side of things, Carl would talk to you about possibly having a year's worth of income replacement after tax, so around about 60 5,000. A bit of a lump sum if you were diagnosed with a heart attack, stroke, cancer, or a severe medical condition. And that can range from, you know, bacterial meningitis, organ failure, all that kind of thing. So if you think of the landscape a little bit, life insurance is pretty self explanatory.\n\nIf you pass away, here's a lump sum. Disability cover is if you can never work again, and income protections if you're out of work temporarily for, you know, a few months, a few years. The trauma cover is if you get that diagnosis or for some people, I've seen the people that have a heart attack and then go back to work the next week. Pretty serious thing has happened to them. Maybe they have to go get treatment follow ups, maybe spend a bit of time at home, but they may be straight back to work.\n\nSo this is basically just a lump sum to help with medical costs, time with family, things like that. It includes cancer diagnosis as well. Now that one is the one that he would have probably mentioned to you originally is only payable out of pocket. It's not payable through the super. It is basically like a direct debit monthly premium.\n\nWe have found this one to go at around about 20 about $20 a month, $21 a month out of pocket, including the smoker's rates. So I wanted to run that one by you and say, first of all, is $21 a month affordable? And do you feel like that might be valuable as a type of insurance? Mhmm. Yep.\n\nYeah. Yep. So what we do in this case is when we get to that end of that statement of advice document, there is essentially, where you sign, there's an authority to proceed, and there's a text box just above it if you would like to vary any of the recommendations you would like to go ahead with. What you can essentially just put in there is just type in there no trauma insurance or do not wish to proceed with trauma cover, and we can exclude that from the implementation. Perfect.\n\nImplementation. Perfect. When it comes sorry? Yeah. Absolutely.\n\nSo we'll schedule essentially an annual review in, and I'll put a flag on the file to revisit that when we talk about the annual review. We'll talk about the super, how that current policy has been going, any other changes or advice, and then we'll also talk about an updated quote for that as well. Yep. Absolutely. That's totally fine.\n\nWhen it comes to the health side, you were expecting some exclusions based on previous discussions. I have included here essentially all the notes that we had from the insurers because we called everybody just to get a bit of a lay of the land to find who would give you the best outcome, if that makes sense. Now what I'm kind of looking at is standard rates for the life insurance. No issues there. We are looking at, obviously, the smokers' rates.\n\nThat's reviewable after that twelve month period. Again, policy doesn't have to be running for twelve months. You just have to have been able to do that nonsmoker's declaration. We've got the foot that came out fine from the pre assessment you did with Caden. As far as Hashimoto's disease goes, we've got if the thyroid function test is normal, there are no concerns.\n\nIf there has been no recent test, they may request a thyroid function test. Sensational. So as long as when we go through the application, you can kind of just give Jack and the team those details. I'll put in there two months ago, thyroid test normal. They'll just ask you, you know, for you when Correct.\n\nEarly August. Alright. So that will go through. No problems. We've got likely exclusion on the TPD income protection trauma for endometriosis and mental health.\n\nThat'll be the two that will be the exclusions we're expecting. Yep. There is. There's two ways that we approach it. So the insurers apply, like, a ten year minimum review in terms of symptom and treatment free, where you essentially, everything's resolved.\n\nBut there is a lot of insurers that will accept, like, a five year period as well. So what may happen is in preview and sorry. In future reviews, we may actually look at another provider if we can do that two, three, four years earlier for you. That sound okay? Perfect.\n\nI think that was pretty much everything. So couple of exclusions. We won't go with the trauma cover. Life TPD and income protection look pretty good. As soon as we can do nonsmokers rates, that'd be fantastic on pricing, and we'd like to keep that hub cover in place as a bit of a baseline as well.\n\nAwesome. When you go through that document, there's a needs analysis, which just goes over the discussion you originally had on how we arrived at those amounts. And there's also a projection table, which basically just faxes in the premium impact on the super so you can see the impact that that's having over five and ten years. K. Pros and cons of the cover types are in there.\n\nI do apologize. The amount of text in the document is quite excessive, Covering off on every type of insurance and all the pros and cons of each one and how they're structured, insurance advice gets a bit excessive. Perfect. And one thing I wanted to check with you too is just in terms of the last question I have for the occupation. Lab tech usage of chemicals, I believe.\n\nAnd we'd noted down a number of chemicals from aldehyde, a few different things there as well. I think the rating that we found was like a obviously used PPE. No heavy usage of chemicals beyond, you know, 20% of your day. It's not all just sitting in a lab in a vat of chemicals kind of thing. That was, I think, the perfect.\n\nSo I think it's as long as we're under 10 is easy sailing, anything above that would be a bit gray area. Perfect. I know I've just kind of dumped quite a lot of information at you on four types of insurances. Any questions at this point? Perfect.\n\nWe have included, obviously, commissions payable for applying for insurance cover. So if you weren't already aware, whichever provider we go with, we get paid 66% of the first year's premiums as a commission for establishment and then 22% ongoing to look after the policy. And for Okview service, that just includes, obviously, management of the policy and further advice, but also claims assistance and claims advice. If something happens to you, we will jump in, help you get the claim through, and then also give you some advice on, you know, if you receive a million dollars, how do you make it last, all that kind of thing. Cool.\n\nOutside of that, so I was going to essentially pencil in a personal statement to go through the application for you and then pencil in a bit of an annual review in twelve months to go over everything in total. I did just wanna ask you, Cecilia, do you want me to put in any further catch ups before the end of the year or into the new year about any areas you would like to discuss? Correct. Actually, let me have a quick look because that might be a bit of a super review for yes. So you've got the it's quite an ethical portfolio I can see here in the super.\n\nAnd yep. Cool. So what we can do is we'll get the insurance applications underway. And then once all that is applied for in force, we'll have a bit of a catch up on the super and just see if we need to update anything on that side of things as well. Alrighty.\n\nIn terms of time frames, I will send you through a bit of an updated quote when we do the application just to remove the trauma insurance from that. Do you have a bit of availability for next week? Perfect. Let me just bring up the implementation team for a quick moment. And in Perth, so we've got two hour time difference.\n\nI'll make sure I take that into account. And you said 3PM onwards? Perfect. So something like a 03:30. Would that be ideal?\n\nYes. Correct. So for us, we do close, like, 07:00 Queensland time, 05:00 your time. So we should have plenty of time. Usually takes no more than twenty to thirty minutes.\n\nAlrighty. What I can do is I can put in a bit of a tentative appointment on Tuesday, the twenty second at 03:30. And from that point, if we need to reschedule, there is some free spots the next day as well. Perfect. Alright, Cecilia.\n\nI'll leave that statement of advice document with you. Please just remember when you go to sign that, if you can please put in the authority to proceed the box that you do not wish to proceed with the trauma, then I will forward that to the implementation team, and we will be speaking to you 03:30 WA time next Tuesday. You too. Have a fantastic evening, and we'll talk to you then. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Cecilia.","start":2.24,"end":3.6999998,"sentiment":"positive","sentiment_score":0.4224460820357005},{"text":"You've come through to Tommy there.","start":3.84,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.3192705164353053},{"text":"How are you doing?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.2919810116291046},{"text":"I'm doing absolutely fantastic.","start":8.32,"end":10.099999,"sentiment":"positive","sentiment_score":0.7824842780828476},{"text":"Thank you so much for calling back in.","start":10.16,"end":11.94,"sentiment":"positive","sentiment_score":0.7712864950299263}],"sentiment":"positive","sentiment_score":0.5460445785522461,"num_words":25,"start":2.24,"end":11.94},{"sentences":[{"text":"Now I've got a bit of an updated strategy to run through with you today.","start":13.5199995,"end":18.155,"sentiment":"neutral","sentiment_score":0.24556556344032288},{"text":"I'm not sure if the team let you know, but we were doing some work on the insurance side of things since you came on board.","start":18.535,"end":24.075,"sentiment":"neutral","sentiment_score":-0.005031339537638884},{"text":"Now that you've gone through security and everything, I was just wondering if you had access to your email to look onto it with me.","start":25.335,"end":31.8,"sentiment":"neutral","sentiment_score":-0.03298562148585916},{"text":"Me.","start":37.16,"end":37.559998,"sentiment":"neutral","sentiment_score":0.04184630513191223},{"text":"If you don't, that's okay.","start":37.559998,"end":38.68,"sentiment":"neutral","sentiment_score":0.0024235043674707413}],"sentiment":"neutral","sentiment_score":0.03863877657568082,"num_words":72,"start":13.5199995,"end":38.68},{"sentences":[{"text":"I can just send it through, kind of walk you through the cliff notes, and give you some time to read through.","start":38.68,"end":43.66,"sentiment":"neutral","sentiment_score":0.0424927861683748},{"text":"No.","start":49.335,"end":49.655,"sentiment":"neutral","sentiment_score":-0.09478642046451569},{"text":"That's totally fine.","start":49.655,"end":50.614998,"sentiment":"neutral","sentiment_score":-0.014350266506274542},{"text":"So what I'll do is I'll pop it through just so you've got it.","start":50.614998,"end":53.515,"sentiment":"neutral","sentiment_score":0.10578731394239835},{"text":"And I'm just using your Hotmail address, c_0.5star@Hotmail.com?","start":53.975,"end":60.32,"sentiment":"neutral","sentiment_score":0.04416488343849778}],"sentiment":"neutral","sentiment_score":0.05481969871713469,"num_words":48,"start":38.68,"end":60.32},{"sentences":[{"text":"Perfect.","start":61.82,"end":62.32,"sentiment":"positive","sentiment_score":0.3608732223510742},{"text":"Now just to kind of give you a bit of background context, so there's a solid nine documents coming through.","start":62.38,"end":67.58,"sentiment":"neutral","sentiment_score":0.0774783369153738},{"text":"I do apologize.","start":67.58,"end":68.4,"sentiment":"neutral","sentiment_score":-0.08772063006957372},{"text":"Whenever we do any product recommendations, we have to attach about 1,200 pages worth of product disclosure documents too.","start":68.46,"end":75.445,"sentiment":"neutral","sentiment_score":-0.02262528662226702},{"text":"So there's a statement of advice is the main one, and then some quotes, and then basically just service guides with us and product documents for the super and the insurance.","start":77.025,"end":86.15,"sentiment":"neutral","sentiment_score":0.043101502642516165}],"sentiment":"neutral","sentiment_score":0.03450735414249671,"num_words":74,"start":61.82,"end":86.15},{"sentences":[{"text":"So all of that will go through.","start":86.15,"end":87.689995,"sentiment":"neutral","sentiment_score":0.03859248225178037},{"text":"And your your case in your file has essentially been escalated to me as the senior adviser just to try and get you essentially retail insurance cover in line with your original discussion with us and the amounts that you originally wanted to obtain.","start":88.869995,"end":104.744995,"sentiment":"neutral","sentiment_score":-0.052229284224185074},{"text":"Obviously, there was some health investigations going on, and you've since had that finished.","start":104.965,"end":110.35,"sentiment":"neutral","sentiment_score":-0.09835052596671241},{"text":"And so we've gone through the research side of things.","start":110.35,"end":112.85,"sentiment":"neutral","sentiment_score":-0.013162329513579606},{"text":"Cool.","start":114.35,"end":114.85,"sentiment":"neutral","sentiment_score":-0.015182540751993656}],"sentiment":"neutral","sentiment_score":-0.046732293809519,"num_words":76,"start":86.15,"end":114.85},{"sentences":[{"text":"Now just to give you a couple of quick points on this document itself because you probably remember from your first one, we include a scope of advice on what we're covering, and this document is purely just insurance scope only.","start":115.31,"end":128.16501,"sentiment":"neutral","sentiment_score":0.046757855066439},{"text":"There's nothing in here about cash flow, debt management, superannuation changes, or anything of the like.","start":128.30501,"end":134.64,"sentiment":"neutral","sentiment_score":0.03449425334110856},{"text":"It is really just trying to get in place that top up that you're originally aiming for.","start":134.72,"end":139.06,"sentiment":"neutral","sentiment_score":0.1770797336802763},{"text":"Now as a bit of a recap as well, we do have your details listed in there as well.","start":140.72,"end":146.08,"sentiment":"neutral","sentiment_score":0.06532846704909676},{"text":"Do you mind if I just quickly check if these details are current?","start":146.4,"end":149.265,"sentiment":"neutral","sentiment_score":0.03708708630158351}],"sentiment":"neutral","sentiment_score":0.0679500809396213,"num_words":106,"start":115.31,"end":149.265},{"sentences":[{"text":"Perfect.","start":151.425,"end":151.925,"sentiment":"positive","sentiment_score":0.3766325116157532},{"text":"So in the about you section, we have you listed down as a teacher for the correctional centers on about 108,000 per annum.","start":152.065,"end":161.045,"sentiment":"neutral","sentiment_score":0.056160331258307335},{"text":"Okay.","start":167.04,"end":167.54,"sentiment":"neutral","sentiment_score":-0.05072762072086334},{"text":"Good thing to double check before I go any further.","start":168.4,"end":170.8,"sentiment":"neutral","sentiment_score":0.011146616376936435},{"text":"So in terms of occupation title, Technical officer.","start":170.8,"end":177.515,"sentiment":"neutral","sentiment_score":-0.0013160750968381763}],"sentiment":"neutral","sentiment_score":0.03996581564722366,"num_words":43,"start":151.425,"end":177.515},{"sentences":[{"text":"And did that have any linking towards correctional facilities or no?","start":177.655,"end":181.595,"sentiment":"neutral","sentiment_score":-0.018954431638121605},{"text":"Tertiary.","start":184.61499,"end":185.11499,"sentiment":"neutral","sentiment_score":0.0090822521597147},{"text":"Teacher for Thank you very much for that.","start":185.815,"end":190.26,"sentiment":"neutral","sentiment_score":0.19776450283825397},{"text":"Let me have a quick look.","start":191.22,"end":192.92,"sentiment":"neutral","sentiment_score":0.019003715676565964},{"text":"I am looking at the wrong document.","start":193.45999,"end":196.09999,"sentiment":"neutral","sentiment_score":-0.1839547838483538}],"sentiment":"neutral","sentiment_score":0.006334494968706911,"num_words":33,"start":177.655,"end":196.09999},{"sentences":[{"text":"I do apologize.","start":196.09999,"end":197.07999,"sentiment":"neutral","sentiment_score":-0.1795135736465454},{"text":"Alright.","start":199.86,"end":200.26,"sentiment":"neutral","sentiment_score":-0.028393354266881943},{"text":"Let me grab the correct one up.","start":200.26,"end":202.28,"sentiment":"neutral","sentiment_score":-0.016593670206410543},{"text":"Technical officer 82000.","start":202.73999,"end":205.305,"sentiment":"neutral","sentiment_score":0.0002312827855348587},{"text":"Does that sound more correct?","start":205.70499,"end":207.00499,"sentiment":"neutral","sentiment_score":-0.006585966050624848}],"sentiment":"neutral","sentiment_score":-0.037648723607784824,"num_words":19,"start":196.09999,"end":207.00499},{"sentences":[{"text":"I am so sorry.","start":208.34499,"end":209.305,"sentiment":"neutral","sentiment_score":-0.07877262122929096},{"text":"I have four screens going, and I'm usually pretty good with them.","start":209.305,"end":211.94499,"sentiment":"neutral","sentiment_score":-0.060017801666011415},{"text":"And okay.","start":211.94499,"end":216.685,"sentiment":"neutral","sentiment_score":-0.07698490843176843},{"text":"Perfect.","start":222.73999,"end":223.14,"sentiment":"positive","sentiment_score":0.3468857407569885},{"text":"Well, great for us to check that up front before I went any further with it.","start":223.14,"end":226.68,"sentiment":"positive","sentiment_score":0.4213901199400425}],"sentiment":"neutral","sentiment_score":0.1685672496578523,"num_words":35,"start":208.34499,"end":226.68},{"sentences":[{"text":"So that your email address, phone number hasn't changed.","start":227.06,"end":230.65999,"sentiment":"neutral","sentiment_score":0.20627577437294853},{"text":"That's all great.","start":230.65999,"end":231.64,"sentiment":"neutral","sentiment_score":0.29297664761543274},{"text":"We had you de facto marital status.","start":231.93999,"end":234.28,"sentiment":"neutral","sentiment_score":0.05175648310354778},{"text":"Perfect.","start":236.235,"end":236.735,"sentiment":"neutral","sentiment_score":0.167032390832901},{"text":"Yep.","start":237.995,"end":238.395,"sentiment":"neutral","sentiment_score":0.054122596979141235}],"sentiment":"neutral","sentiment_score":0.15804106103522436,"num_words":21,"start":227.06,"end":238.395},{"sentences":[{"text":"De facto.","start":238.395,"end":239.05501,"sentiment":"neutral","sentiment_score":0.005219530314207077},{"text":"The only real main sort of asset we had on file was motorbike kind of things.","start":239.435,"end":243.295,"sentiment":"neutral","sentiment_score":-0.06332349264994264},{"text":"No million dollars hidden under a mattress or anything like that.","start":243.355,"end":246.335,"sentiment":"neutral","sentiment_score":-0.10980467328971083},{"text":"Perfect.","start":248.155,"end":248.655,"sentiment":"neutral","sentiment_score":0.02493320032954216},{"text":"Hopefully, one review that will just pop up randomly, and we can just tick off the goals as all met twenty years early.","start":250.84999,"end":256.61,"sentiment":"neutral","sentiment_score":0.091324835691763}],"sentiment":"neutral","sentiment_score":-0.001607241636177279,"num_words":53,"start":238.395,"end":256.61},{"sentences":[{"text":"Hey?","start":256.61,"end":257.11,"sentiment":"neutral","sentiment_score":0.03725020214915275},{"text":"Fair.","start":261.65,"end":262.15,"sentiment":"neutral","sentiment_score":-0.0082137081772089},{"text":"Absolutely.","start":263.745,"end":264.245,"sentiment":"neutral","sentiment_score":0.21831299364566803},{"text":"I've got two cats and a dog, so I know exactly what you're talking about.","start":264.465,"end":267.845,"sentiment":"neutral","sentiment_score":0.12685736566781997},{"text":"We have your hub 24 super.","start":270.065,"end":272.065,"sentiment":"neutral","sentiment_score":0.19696838408708572}],"sentiment":"neutral","sentiment_score":0.13883417821489275,"num_words":24,"start":256.61,"end":272.065},{"sentences":[{"text":"And so originally, when you came on board, we put in place a little bit of life and TPD insurance, about 200,000 of each.","start":272.065,"end":279.15,"sentiment":"neutral","sentiment_score":0.091457383086284},{"text":"And you were aiming for around about 750,000 to cover everything, essentially.","start":279.63,"end":285.57,"sentiment":"neutral","sentiment_score":0.13358869031071663},{"text":"We were also talking about you spoke with Carl about income protection, and he did mention things like trauma insurance as well just as a bit of an exploratory thing.","start":287.15,"end":296.555,"sentiment":"neutral","sentiment_score":0.05913042426109314},{"text":"That's for heart attack, stroke, and cancer, that kind of thing.","start":297.255,"end":300.79498,"sentiment":"neutral","sentiment_score":-0.0966145670549436},{"text":"Now when you go through there, we basically compare the top five providers for you, and we found that most of the providers had a pretty good occupation rating for you.","start":302.29498,"end":313.3,"sentiment":"neutral","sentiment_score":0.27381754786737506}],"sentiment":"neutral","sentiment_score":0.12034757362885608,"num_words":108,"start":272.065,"end":313.3},{"sentences":[{"text":"Their feature score was all sitting around about the 78 to 82, which is pretty well the the sort of highest you can get.","start":314.16,"end":321.195,"sentiment":"positive","sentiment_score":0.3428804539144039},{"text":"There's a lot of policies that are in the sixties.","start":321.275,"end":323.45502,"sentiment":"neutral","sentiment_score":0.12830063328146935},{"text":"Very rarely have I seen anything above 85.","start":323.83502,"end":326.415,"sentiment":"neutral","sentiment_score":-0.01565953204408288},{"text":"We've picked the one that had the lowest premiums for your occupation.","start":327.515,"end":331.45502,"sentiment":"positive","sentiment_score":0.3953046003977458},{"text":"And, basically, what we've recommended to do is go through a provider called Zurich who is very good with your your industry.","start":333.195,"end":340.99,"sentiment":"positive","sentiment_score":0.36651257357814093}],"sentiment":"neutral","sentiment_score":0.2920235893934181,"num_words":76,"start":314.16,"end":340.99},{"sentences":[{"text":"They kind of come out the best in terms of pricing.","start":341.37,"end":343.62997,"sentiment":"positive","sentiment_score":0.4788194623860446},{"text":"I have recommended two.","start":345.84998,"end":347.21,"sentiment":"neutral","sentiment_score":0.2554967887699604},{"text":"So just to kind of swing into the health side of things a little bit, I'm recommending that we keep the 200,000 that we put in place through Hub as a kind of baseline cover because that kind of default group cover is not gonna get the exclusions and everything that you're expecting from your previous conversations.","start":347.21,"end":366.97,"sentiment":"neutral","sentiment_score":0.18843647641570946},{"text":"So what I've recommended essentially is 550,000 top up of life and CPD, income protection for 70% of your income with a we had it there as a sort of ninety day waiting period, age 65 benefit period just kind of in line with that chat that you have with Kyle.","start":368.78998,"end":386.39502,"sentiment":"neutral","sentiment_score":0.2066645575504677},{"text":"Bear in mind that that cover amount will probably get you after tax around about a thousand dollars a week in the hands because it is kind of gross payments.","start":387.575,"end":398.23,"sentiment":"neutral","sentiment_score":0.10758193135261536}],"sentiment":"neutral","sentiment_score":0.20128909001747766,"num_words":153,"start":341.37,"end":398.23},{"sentences":[{"text":"The maximum is 70%.","start":398.61,"end":400.38998,"sentiment":"neutral","sentiment_score":0.05384516250342131},{"text":"Yeah.","start":400.61,"end":401.01,"sentiment":"neutral","sentiment_score":0.10242456197738647},{"text":"So it's 4,783 per month, and that equates to about a thousand dollars a week.","start":401.01,"end":406.94998,"sentiment":"neutral","sentiment_score":0.08307335451245308},{"text":"No.","start":429.34,"end":429.5,"sentiment":"neutral","sentiment_score":0.004571489989757538},{"text":"You're totally fine.","start":429.5,"end":430.63998,"sentiment":"neutral","sentiment_score":0.24921161433060965}],"sentiment":"neutral","sentiment_score":0.09650466094414394,"num_words":24,"start":398.61,"end":430.63998},{"sentences":[{"text":"So that cover amount will basically get you through right through to the age of 65.","start":430.94,"end":435.435,"sentiment":"neutral","sentiment_score":0.30870328238233924},{"text":"It works in tandem with the TPD cover.","start":437.115,"end":439.535,"sentiment":"neutral","sentiment_score":0.2655358612537384},{"text":"So if you're in a very, very long term injury or illness, you'll get your income protection.","start":439.595,"end":444.315,"sentiment":"neutral","sentiment_score":0.04110680087743437},{"text":"You can also claim on the lump sums, the the 550, the 200 on top of that if that gets that serious.","start":444.315,"end":451.53,"sentiment":"neutral","sentiment_score":0.08424533785066822},{"text":"Now just quickly on the sort of health side of things, we did have you basically quitting vaping possibly about six to twelve months ago.","start":453.59003,"end":464.235,"sentiment":"neutral","sentiment_score":0.01995331943035126}],"sentiment":"neutral","sentiment_score":0.11493847092655911,"num_words":88,"start":430.94,"end":464.235},{"sentences":[{"text":"Does that sound about right?","start":464.235,"end":465.615,"sentiment":"neutral","sentiment_score":0.05732025057077408},{"text":"Cool.","start":468.315,"end":468.63498,"sentiment":"positive","sentiment_score":0.3533291816711426},{"text":"So just in case, because it had just been a little bit of time between conversations, I did quote it up as smokers' rates to see the worst case scenario.","start":468.63498,"end":476.255,"sentiment":"neutral","sentiment_score":0.10465023244420688},{"text":"And if we get you to twelve months nicotine free, you can apply nonsmoker's rates pretty much straight away.","start":476.81,"end":484.27,"sentiment":"neutral","sentiment_score":0.1792078794617402},{"text":"So when it comes to cost, it's always around about a 50% difference.","start":488.41,"end":491.865,"sentiment":"neutral","sentiment_score":0.01281353716666882}],"sentiment":"neutral","sentiment_score":0.10810239854104378,"num_words":68,"start":464.235,"end":491.865},{"sentences":[{"text":"It can be quite quite hefty.","start":492.345,"end":494.525,"sentiment":"neutral","sentiment_score":-0.32521812493602437},{"text":"In terms of the the premiums through the super, though, with the rebates and everything that you get, it would still be under about 2,000 coming out of the super.","start":495.305,"end":504.285,"sentiment":"neutral","sentiment_score":0.2296545719106992},{"text":"We've gotten it down to about 1,600 per year for all of the life insurance disability and income protection.","start":504.66498,"end":511.4,"sentiment":"positive","sentiment_score":0.45993098773454366},{"text":"Now I usually apply that for a dozen.","start":513.7,"end":516.12,"sentiment":"neutral","sentiment_score":0.07829708140343428},{"text":"Correct.","start":519.22,"end":519.72,"sentiment":"neutral","sentiment_score":0.07708057761192322}],"sentiment":"neutral","sentiment_score":0.2246949125546962,"num_words":64,"start":492.345,"end":519.72},{"sentences":[{"text":"Probably about 900 ish.","start":523.285,"end":525.625,"sentiment":"neutral","sentiment_score":-0.00370539678260684},{"text":"Yep.","start":528.005,"end":528.505,"sentiment":"neutral","sentiment_score":0.055589817464351654},{"text":"I usually get a bit of a flag.","start":529.125,"end":530.745,"sentiment":"neutral","sentiment_score":-0.07531221956014633},{"text":"Yeah.","start":533.845,"end":534.165,"sentiment":"neutral","sentiment_score":-0.1474563330411911},{"text":"It's quite punishing.","start":534.165,"end":535.225,"sentiment":"neutral","sentiment_score":-0.2874716917673747}],"sentiment":"neutral","sentiment_score":-0.09244711379356244,"num_words":17,"start":523.285,"end":535.225},{"sentences":[{"text":"Smoker's race is probably one of the roughest loadings, we call them, in the industry, and it's very easy to get off with that twelve month tick off.","start":535.605,"end":543.38,"sentiment":"neutral","sentiment_score":0.044347021994846206},{"text":"It's basically just a a nonsmoker's declaration, and it's usually like a one page form.","start":543.38,"end":548.51996,"sentiment":"neutral","sentiment_score":0.06256768914560477},{"text":"If it's usually above 2,000, it would start to impact your super growth a little bit because of obviously your contribution rate versus the growth.","start":551.075,"end":560.195,"sentiment":"neutral","sentiment_score":-0.20999450355768204},{"text":"And if it was hitting 3,000 or above with any health based loadings, it would be hitting that unaffordable territory in in my opinion.","start":560.195,"end":568.71,"sentiment":"negative","sentiment_score":-0.34361038481195766},{"text":"So I have recommended because it was about $700 cheaper than all the other providers without skimping on any features or fine print under the hood.","start":569.09,"end":579.605,"sentiment":"neutral","sentiment_score":0.3131568941932458}],"sentiment":"neutral","sentiment_score":-0.026900005274278632,"num_words":118,"start":535.605,"end":579.605},{"sentences":[{"text":"I have included that too.","start":582.225,"end":583.505,"sentiment":"neutral","sentiment_score":0.20373722016811371},{"text":"So when it comes to the trauma insurance side of things, Carl would talk to you about possibly having a year's worth of income replacement after tax, so around about 60 5,000.","start":583.505,"end":595.51,"sentiment":"neutral","sentiment_score":0.09574769122991711},{"text":"A bit of a lump sum if you were diagnosed with a heart attack, stroke, cancer, or a severe medical condition.","start":596.29,"end":603.685,"sentiment":"neutral","sentiment_score":-0.05793363317137673},{"text":"And that can range from, you know, bacterial meningitis, organ failure, all that kind of thing.","start":604.945,"end":609.585,"sentiment":"neutral","sentiment_score":-0.030040263547562063},{"text":"So if you think of the landscape a little bit, life insurance is pretty self explanatory.","start":609.585,"end":614.005,"sentiment":"neutral","sentiment_score":0.1098632961511612}],"sentiment":"neutral","sentiment_score":0.04603527161396212,"num_words":90,"start":582.225,"end":614.005},{"sentences":[{"text":"If you pass away, here's a lump sum.","start":614.385,"end":616.55,"sentiment":"neutral","sentiment_score":-0.05627830675803125},{"text":"Disability cover is if you can never work again, and income protections if you're out of work temporarily for, you know, a few months, a few years.","start":616.77,"end":624.87,"sentiment":"neutral","sentiment_score":-0.22110722848662623},{"text":"The trauma cover is if you get that diagnosis or for some people, I've seen the people that have a heart attack and then go back to work the next week.","start":626.37,"end":633.59503,"sentiment":"neutral","sentiment_score":-0.18921040046599605},{"text":"Pretty serious thing has happened to them.","start":633.895,"end":635.895,"sentiment":"negative","sentiment_score":-0.33457357968602863},{"text":"Maybe they have to go get treatment follow ups, maybe spend a bit of time at home, but they may be straight back to work.","start":635.895,"end":642.135,"sentiment":"neutral","sentiment_score":-0.21629754185676575}],"sentiment":"neutral","sentiment_score":-0.20443977185582018,"num_words":98,"start":614.385,"end":642.135},{"sentences":[{"text":"So this is basically just a lump sum to help with medical costs, time with family, things like that.","start":642.135,"end":649.11,"sentiment":"neutral","sentiment_score":-0.08214920876841796},{"text":"It includes cancer diagnosis as well.","start":649.11,"end":651.93,"sentiment":"neutral","sentiment_score":-0.11338334282239278},{"text":"Now that one is the one that he would have probably mentioned to you originally is only payable out of pocket.","start":653.75,"end":659.77,"sentiment":"neutral","sentiment_score":-0.11591429405269169},{"text":"It's not payable through the super.","start":659.91,"end":661.69,"sentiment":"neutral","sentiment_score":-0.1039049153526624},{"text":"It is basically like a direct debit monthly premium.","start":662.165,"end":665.865,"sentiment":"neutral","sentiment_score":-0.036200369604759745}],"sentiment":"neutral","sentiment_score":-0.09220603306884648,"num_words":61,"start":642.135,"end":665.865},{"sentences":[{"text":"We have found this one to go at around about 20 about $20 a month, $21 a month out of pocket, including the smoker's rates.","start":666.165,"end":678.17,"sentiment":"neutral","sentiment_score":-0.023289329633116723},{"text":"So I wanted to run that one by you and say, first of all, is $21 a month affordable?","start":681.58997,"end":686.88995,"sentiment":"neutral","sentiment_score":0.18808200327973618},{"text":"And do you feel like that might be valuable as a type of insurance?","start":687.35,"end":703.19495,"sentiment":"neutral","sentiment_score":0.18638556876352855},{"text":"Mhmm.","start":703.89496,"end":704.16,"sentiment":"neutral","sentiment_score":-0.04182916879653931},{"text":"Yep.","start":709.92,"end":710.42,"sentiment":"neutral","sentiment_score":-0.01455591805279255}],"sentiment":"neutral","sentiment_score":0.09240562828878561,"num_words":60,"start":666.165,"end":710.42},{"sentences":[{"text":"Yeah.","start":718.31995,"end":718.81995,"sentiment":"neutral","sentiment_score":0.16261348128318787},{"text":"Yep.","start":723.515,"end":723.835,"sentiment":"neutral","sentiment_score":0.11076387017965315},{"text":"So what we do in this case is when we get to that end of that statement of advice document, there is essentially, where you sign, there's an authority to proceed, and there's a text box just above it if you would like to vary any of the recommendations you would like to go ahead with.","start":723.835,"end":740.38995,"sentiment":"neutral","sentiment_score":0.04524752763765199},{"text":"What you can essentially just put in there is just type in there no trauma insurance or do not wish to proceed with trauma cover, and we can exclude that from the implementation.","start":742.37,"end":748.76996,"sentiment":"neutral","sentiment_score":-0.07452897411404234},{"text":"Perfect.","start":748.76996,"end":749.26996,"sentiment":"neutral","sentiment_score":0.24488399922847748}],"sentiment":"neutral","sentiment_score":0.0064420299199612245,"num_words":92,"start":718.31995,"end":749.26996},{"sentences":[{"text":"Implementation.","start":751.755,"end":752.255,"sentiment":"neutral","sentiment_score":0.11742755770683289},{"text":"Perfect.","start":754.635,"end":755.135,"sentiment":"positive","sentiment_score":0.635865330696106},{"text":"When it comes sorry?","start":755.755,"end":757.21497,"sentiment":"neutral","sentiment_score":0.05708257248625159},{"text":"Yeah.","start":758.315,"end":758.815,"sentiment":"neutral","sentiment_score":0.053488899022340775},{"text":"Absolutely.","start":766.05,"end":766.55,"sentiment":"positive","sentiment_score":0.42498135566711426}],"sentiment":"neutral","sentiment_score":0.18251167912967503,"num_words":8,"start":751.755,"end":766.55},{"sentences":[{"text":"So we'll schedule essentially an annual review in, and I'll put a flag on the file to revisit that when we talk about the annual review.","start":766.61,"end":774.37,"sentiment":"neutral","sentiment_score":0.20020402079591385},{"text":"We'll talk about the super, how that current policy has been going, any other changes or advice, and then we'll also talk about an updated quote for that as well.","start":774.37,"end":783.125,"sentiment":"neutral","sentiment_score":0.13289760301510492},{"text":"Yep.","start":786.065,"end":786.465,"sentiment":"neutral","sentiment_score":0.19960521161556244},{"text":"Absolutely.","start":786.465,"end":786.965,"sentiment":"positive","sentiment_score":0.35908573865890503},{"text":"That's totally fine.","start":787.185,"end":788.325,"sentiment":"positive","sentiment_score":0.43005258838335675}],"sentiment":"neutral","sentiment_score":0.18100133355035156,"num_words":61,"start":766.61,"end":788.325},{"sentences":[{"text":"When it comes to the health side, you were expecting some exclusions based on previous discussions.","start":788.945,"end":795.365,"sentiment":"neutral","sentiment_score":-0.09919784171506763},{"text":"I have included here essentially all the notes that we had from the insurers because we called everybody just to get a bit of a lay of the land to find who would give you the best outcome, if that makes sense.","start":796.16,"end":807.38,"sentiment":"neutral","sentiment_score":0.11508894631905216},{"text":"Now what I'm kind of looking at is standard rates for the life insurance.","start":811.125,"end":816.34503,"sentiment":"neutral","sentiment_score":0.02623072945113693},{"text":"No issues there.","start":816.405,"end":817.465,"sentiment":"neutral","sentiment_score":0.010604685172438623},{"text":"We are looking at, obviously, the smokers' rates.","start":817.765,"end":820.965,"sentiment":"neutral","sentiment_score":0.0007754671387374397}],"sentiment":"neutral","sentiment_score":0.04399781063737639,"num_words":83,"start":788.945,"end":820.965},{"sentences":[{"text":"That's reviewable after that twelve month period.","start":820.965,"end":824.025,"sentiment":"neutral","sentiment_score":0.06859973924500602},{"text":"Again, policy doesn't have to be running for twelve months.","start":824.42,"end":826.66,"sentiment":"neutral","sentiment_score":0.035037028789520266},{"text":"You just have to have been able to do that nonsmoker's declaration.","start":826.66,"end":829.56,"sentiment":"neutral","sentiment_score":0.0701159555464983},{"text":"We've got the foot that came out fine from the pre assessment you did with Caden.","start":831.94,"end":838.19995,"sentiment":"neutral","sentiment_score":0.2700799647718668},{"text":"As far as Hashimoto's disease goes, we've got if the thyroid function test is normal, there are no concerns.","start":839.115,"end":846.075,"sentiment":"neutral","sentiment_score":0.09611320358357932}],"sentiment":"neutral","sentiment_score":0.12217797240009531,"num_words":64,"start":820.965,"end":846.075},{"sentences":[{"text":"If there has been no recent test, they may request a thyroid function test.","start":846.075,"end":850.255,"sentiment":"neutral","sentiment_score":0.014752923111830438},{"text":"Sensational.","start":856.92,"end":857.42,"sentiment":"neutral","sentiment_score":0.08584557473659515},{"text":"So as long as when we go through the application, you can kind of just give Jack and the team those details.","start":857.64,"end":862.54,"sentiment":"neutral","sentiment_score":0.13155393268574367},{"text":"I'll put in there two months ago, thyroid test normal.","start":862.92,"end":866.14,"sentiment":"neutral","sentiment_score":0.07034429125487804},{"text":"They'll just ask you, you know, for you when Correct.","start":866.625,"end":872.005,"sentiment":"neutral","sentiment_score":0.018842530064284803}],"sentiment":"neutral","sentiment_score":0.07155160053649492,"num_words":57,"start":846.075,"end":872.005},{"sentences":[{"text":"Early August.","start":873.825,"end":874.78503,"sentiment":"neutral","sentiment_score":0.010926992632448673},{"text":"Alright.","start":874.78503,"end":875.105,"sentiment":"neutral","sentiment_score":0.07295923680067062},{"text":"So that will go through.","start":875.105,"end":875.985,"sentiment":"neutral","sentiment_score":0.08918949514627457},{"text":"No problems.","start":875.985,"end":876.645,"sentiment":"neutral","sentiment_score":0.013185938820242882},{"text":"We've got likely exclusion on the TPD income protection trauma for endometriosis and mental health.","start":877.185,"end":886.06,"sentiment":"neutral","sentiment_score":-0.2648895770311356}],"sentiment":"neutral","sentiment_score":-0.13624844320118426,"num_words":25,"start":873.825,"end":886.06},{"sentences":[{"text":"That'll be the two that will be the exclusions we're expecting.","start":886.19995,"end":889.66,"sentiment":"neutral","sentiment_score":-0.21163795482028613},{"text":"Yep.","start":892.27997,"end":892.575,"sentiment":"neutral","sentiment_score":-0.038438912481069565},{"text":"There is.","start":897.375,"end":898.195,"sentiment":"neutral","sentiment_score":-0.05434072017669678},{"text":"There's two ways that we approach it.","start":898.575,"end":900.735,"sentiment":"neutral","sentiment_score":-0.02631359520767416},{"text":"So the insurers apply, like, a ten year minimum review in terms of symptom and treatment free, where you essentially, everything's resolved.","start":900.735,"end":911.09,"sentiment":"neutral","sentiment_score":-0.022998319600116123}],"sentiment":"neutral","sentiment_score":-0.07361153612822988,"num_words":43,"start":886.19995,"end":911.09},{"sentences":[{"text":"But there is a lot of insurers that will accept, like, a five year period as well.","start":911.63,"end":916.69,"sentiment":"neutral","sentiment_score":-0.06227616527501274},{"text":"So what may happen is in preview and sorry.","start":916.91003,"end":919.975,"sentiment":"neutral","sentiment_score":-0.03681556756297747},{"text":"In future reviews, we may actually look at another provider if we can do that two, three, four years earlier for you.","start":919.975,"end":926.955,"sentiment":"neutral","sentiment_score":-0.027298037132078953},{"text":"That sound okay?","start":928.295,"end":929.195,"sentiment":"neutral","sentiment_score":0.14280389746030173},{"text":"Perfect.","start":931.735,"end":932.235,"sentiment":"positive","sentiment_score":0.4979889392852783}],"sentiment":"neutral","sentiment_score":-0.020465213518876296,"num_words":52,"start":911.63,"end":932.235},{"sentences":[{"text":"I think that was pretty much everything.","start":933.05,"end":935.05,"sentiment":"neutral","sentiment_score":0.25323099323681425},{"text":"So couple of exclusions.","start":935.05,"end":936.43,"sentiment":"neutral","sentiment_score":-0.001762043684720993},{"text":"We won't go with the trauma cover.","start":936.49,"end":938.11,"sentiment":"neutral","sentiment_score":-0.03505971482289689},{"text":"Life TPD and income protection look pretty good.","start":938.25,"end":940.81,"sentiment":"positive","sentiment_score":0.4224499240517616},{"text":"As soon as we can do nonsmokers rates, that'd be fantastic on pricing, and we'd like to keep that hub cover in place as a bit of a baseline as well.","start":940.81,"end":949.595,"sentiment":"neutral","sentiment_score":0.23033366472490371}],"sentiment":"neutral","sentiment_score":0.21122971531657272,"num_words":57,"start":933.05,"end":949.595},{"sentences":[{"text":"Awesome.","start":951.095,"end":951.495,"sentiment":"positive","sentiment_score":0.4223333299160004},{"text":"When you go through that document, there's a needs analysis, which just goes over the discussion you originally had on how we arrived at those amounts.","start":951.495,"end":958.315,"sentiment":"neutral","sentiment_score":0.17376980386101282},{"text":"And there's also a projection table, which basically just faxes in the premium impact on the super so you can see the impact that that's having over five and ten years.","start":958.45496,"end":969.04,"sentiment":"neutral","sentiment_score":0.04058662261213026},{"text":"K.","start":970.86,"end":971.36,"sentiment":"neutral","sentiment_score":-0.005949161946773529},{"text":"Pros and cons of the cover types are in there.","start":972.13995,"end":974.3,"sentiment":"neutral","sentiment_score":-0.022259124368429185}],"sentiment":"neutral","sentiment_score":0.08652163950213487,"num_words":69,"start":951.095,"end":974.3},{"sentences":[{"text":"I do apologize.","start":974.3,"end":975.12,"sentiment":"neutral","sentiment_score":-0.15766840676466623},{"text":"The amount of text in the document is quite excessive, Covering off on every type of insurance and all the pros and cons of each one and how they're structured, insurance advice gets a bit excessive.","start":975.18,"end":987.765,"sentiment":"neutral","sentiment_score":-0.3136364399558968},{"text":"Perfect.","start":992.86,"end":993.26,"sentiment":"neutral","sentiment_score":0.02329504117369652},{"text":"And one thing I wanted to check with you too is just in terms of the last question I have for the occupation.","start":993.26,"end":999.2,"sentiment":"neutral","sentiment_score":0.026583751906519352},{"text":"Lab tech usage of chemicals, I believe.","start":1003.74,"end":1007.945,"sentiment":"neutral","sentiment_score":0.028140915823834284}],"sentiment":"neutral","sentiment_score":-0.15617441875594004,"num_words":70,"start":974.3,"end":1007.945},{"sentences":[{"text":"And we'd noted down a number of chemicals from aldehyde, a few different things there as well.","start":1009.765,"end":1014.74506,"sentiment":"neutral","sentiment_score":0.056080426144249296},{"text":"I think the rating that we found was like a obviously used PPE.","start":1014.885,"end":1019.78503,"sentiment":"neutral","sentiment_score":0.07948061623252355},{"text":"No heavy usage of chemicals beyond, you know, 20% of your day.","start":1020.96,"end":1024.72,"sentiment":"neutral","sentiment_score":-0.029183168585101765},{"text":"It's not all just sitting in a lab in a vat of chemicals kind of thing.","start":1024.72,"end":1029.06,"sentiment":"neutral","sentiment_score":-0.08240777370519936},{"text":"That was, I think, the perfect.","start":1029.12,"end":1034.02,"sentiment":"neutral","sentiment_score":0.13919643250604471}],"sentiment":"neutral","sentiment_score":0.018016741378232837,"num_words":64,"start":1009.765,"end":1034.02},{"sentences":[{"text":"So I think it's as long as we're under 10 is easy sailing, anything above that would be a bit gray area.","start":1034.3351,"end":1040.8351,"sentiment":"neutral","sentiment_score":0.26866210624575615},{"text":"Perfect.","start":1043.2151,"end":1043.7151,"sentiment":"positive","sentiment_score":0.5076470375061035},{"text":"I know I've just kind of dumped quite a lot of information at you on four types of insurances.","start":1044.175,"end":1048.675,"sentiment":"neutral","sentiment_score":0.15015096178180293},{"text":"Any questions at this point?","start":1049.94,"end":1051.64,"sentiment":"neutral","sentiment_score":0.017090513557195663},{"text":"Perfect.","start":1060.34,"end":1060.84,"sentiment":"positive","sentiment_score":0.564552903175354}],"sentiment":"neutral","sentiment_score":0.20668931499434015,"num_words":48,"start":1034.3351,"end":1060.84},{"sentences":[{"text":"We have included, obviously, commissions payable for applying for insurance cover.","start":1061.7,"end":1067.175,"sentiment":"neutral","sentiment_score":0.28053762831471185},{"text":"So if you weren't already aware, whichever provider we go with, we get paid 66% of the first year's premiums as a commission for establishment and then 22% ongoing to look after the policy.","start":1067.175,"end":1080.61,"sentiment":"neutral","sentiment_score":0.16808751882875667},{"text":"And for Okview service, that just includes, obviously, management of the policy and further advice, but also claims assistance and claims advice.","start":1081.31,"end":1090.85,"sentiment":"neutral","sentiment_score":0.14999180524186653},{"text":"If something happens to you, we will jump in, help you get the claim through, and then also give you some advice on, you know, if you receive a million dollars, how do you make it last, all that kind of thing.","start":1091.255,"end":1101.755,"sentiment":"neutral","sentiment_score":0.1585089619315806},{"text":"Cool.","start":1103.415,"end":1103.915,"sentiment":"positive","sentiment_score":0.4476499855518341}],"sentiment":"neutral","sentiment_score":0.17459759685126217,"num_words":110,"start":1061.7,"end":1103.915},{"sentences":[{"text":"Outside of that, so I was going to essentially pencil in a personal statement to go through the application for you and then pencil in a bit of an annual review in twelve months to go over everything in total.","start":1104.64,"end":1118.9249,"sentiment":"neutral","sentiment_score":0.14686111686751246},{"text":"I did just wanna ask you, Cecilia, do you want me to put in any further catch ups before the end of the year or into the new year about any areas you would like to discuss?","start":1119.225,"end":1128.99,"sentiment":"neutral","sentiment_score":0.056313418506367785},{"text":"Correct.","start":1133.87,"end":1134.37,"sentiment":"neutral","sentiment_score":0.08090880513191223},{"text":"Actually, let me have a quick look because that might be a bit of a super review for yes.","start":1142.075,"end":1149.035,"sentiment":"neutral","sentiment_score":0.04311556006340604},{"text":"So you've got the it's quite an ethical portfolio I can see here in the super.","start":1149.035,"end":1154.28,"sentiment":"positive","sentiment_score":0.37885284051299095}],"sentiment":"neutral","sentiment_score":0.13203354915027068,"num_words":113,"start":1104.64,"end":1154.28},{"sentences":[{"text":"And yep.","start":1157.9601,"end":1160.14,"sentiment":"neutral","sentiment_score":0.280700221657753},{"text":"Cool.","start":1160.4401,"end":1160.8401,"sentiment":"positive","sentiment_score":0.5180004835128784},{"text":"So what we can do is we'll get the insurance applications underway.","start":1160.8401,"end":1164.86,"sentiment":"positive","sentiment_score":0.38700656841198605},{"text":"And then once all that is applied for in force, we'll have a bit of a catch up on the super and just see if we need to update anything on that side of things as well.","start":1165.0801,"end":1174.5549,"sentiment":"neutral","sentiment_score":0.22543253447558428},{"text":"Alrighty.","start":1177.1749,"end":1177.6749,"sentiment":"positive","sentiment_score":0.4240626096725464}],"sentiment":"neutral","sentiment_score":0.27336879496304495,"num_words":53,"start":1157.9601,"end":1177.6749},{"sentences":[{"text":"In terms of time frames, I will send you through a bit of an updated quote when we do the application just to remove the trauma insurance from that.","start":1178.1349,"end":1188.4299,"sentiment":"neutral","sentiment_score":0.15076605359028125},{"text":"Do you have a bit of availability for next week?","start":1188.49,"end":1193.23,"sentiment":"neutral","sentiment_score":0.01164808627218008},{"text":"Perfect.","start":1206.9049,"end":1207.385,"sentiment":"positive","sentiment_score":0.38743820786476135},{"text":"Let me just bring up the implementation team for a quick moment.","start":1207.385,"end":1210.91,"sentiment":"neutral","sentiment_score":0.1904407429198424},{"text":"And in Perth, so we've got two hour time difference.","start":1211.29,"end":1216.09,"sentiment":"neutral","sentiment_score":0.09923494532704354}],"sentiment":"neutral","sentiment_score":0.13151246762924618,"num_words":62,"start":1178.1349,"end":1216.09},{"sentences":[{"text":"I'll make sure I take that into account.","start":1216.09,"end":1218.03,"sentiment":"neutral","sentiment_score":0.14146815799176693},{"text":"And you said 3PM onwards?","start":1218.33,"end":1219.95,"sentiment":"neutral","sentiment_score":0.027647614106535913},{"text":"Perfect.","start":1224.425,"end":1224.905,"sentiment":"neutral","sentiment_score":0.2231607288122177},{"text":"So something like a 03:30.","start":1224.905,"end":1226.8251,"sentiment":"neutral","sentiment_score":0.06824071705341339},{"text":"Would that be ideal?","start":1226.8251,"end":1227.885,"sentiment":"neutral","sentiment_score":0.05538295768201351}],"sentiment":"neutral","sentiment_score":0.08938606431626755,"num_words":23,"start":1216.09,"end":1227.885},{"sentences":[{"text":"Yes.","start":1233.225,"end":1233.625,"sentiment":"neutral","sentiment_score":0.07372163236141205},{"text":"Correct.","start":1233.625,"end":1234.025,"sentiment":"neutral","sentiment_score":0.12692560255527496},{"text":"So for us, we do close, like, 07:00 Queensland time, 05:00 your time.","start":1234.025,"end":1239.01,"sentiment":"neutral","sentiment_score":0.13599674919476876},{"text":"So we should have plenty of time.","start":1239.01,"end":1240.85,"sentiment":"neutral","sentiment_score":0.24776551766054972},{"text":"Usually takes no more than twenty to thirty minutes.","start":1240.85,"end":1243.59,"sentiment":"neutral","sentiment_score":0.22644915845659044}],"sentiment":"neutral","sentiment_score":0.1851937427155433,"num_words":31,"start":1233.225,"end":1243.59},{"sentences":[{"text":"Alrighty.","start":1247.09,"end":1247.59,"sentiment":"neutral","sentiment_score":0.25824984908103943},{"text":"What I can do is I can put in a bit of a tentative appointment on Tuesday, the twenty second at 03:30.","start":1247.8099,"end":1255.105,"sentiment":"neutral","sentiment_score":0.17038451744751495},{"text":"And from that point, if we need to reschedule, there is some free spots the next day as 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too.","start":1288.365,"end":1288.9249,"sentiment":"positive","sentiment_score":0.6534671485424042},{"text":"Have a fantastic evening, and we'll talk to you then.","start":1288.9249,"end":1291.345,"sentiment":"positive","sentiment_score":0.7299497902393342},{"text":"Thank you.","start":1293.195,"end":1293.835,"sentiment":"positive","sentiment_score":0.6313989162445068}],"sentiment":"neutral","sentiment_score":0.1333984343210856,"num_words":75,"start":1266.07,"end":1293.835},{"sentences":[{"text":"Bye.","start":1293.835,"end":1294.335,"sentiment":"neutral","sentiment_score":-0.11293701827526093}],"sentiment":"neutral","sentiment_score":-0.11293701827526093,"num_words":1,"start":1293.835,"end":1294.335}]}}]},{"alternatives":[{"transcript":"Hey. Good. How will you tell me? That's alright. Yep. Yes. If you could do that, that'd be preferable because I'm also like, I'm I'm I'm free to talk, but my hands are a little busy. Yep. Mhmm. Yep. Yep. Yep. Yep. Of course. Go for it. Wait. What? That is wildly not correct. Uh-huh. Technical officer. Yeah. None whatsoever. I work in tertiary education, universities. That sounds about right. Yes. That is still okay. I've I've been there. I've done that. You've got my falsities. I just wasn't expecting that specific job description. I will appreciate that. Yep. Yep. Yep. Did I take it? Absolutely correct. I wish I had million dollars in the mattress, but I do not. Not. Oh, god. That would be amazing, wouldn't it? That would that would be amazing. That being said, with my cats, I'm not so sure. They'd probably find them in Shredder and Caesar. Yep. Yep. Yes. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Sure. Okay. Mhmm. Forget that. I I was got a little bit more the the just one second, Tommy. Yeah. It's actually pushing down a little bit on the plastic. I could see it when you took the handle down. I would take But it it's not actually touching the rubber. Oh, okay. Okay. Yeah. Sorry, Tommy. Keep going. Yep. Hold on for me. Mhmm. Yes. That does sound about right. Yeah. Mhmm. Okay. What's the difference in cover and cost? Wow. Yeah. That's fair. Okay. Okay. So 16 100 per year, that's inclusive of the smokers. And without the smokers, it would be holy crap. Okay. If there wasn't a bigger if there wasn't a bigger motivation to quit, Jesus. Mhmm. Yep. Yes. Mhmm. Yep. Mhmm. Mhmm. Yep. Mhmm. Yep. Valuable? Yeah. Definitely. I'm not actually thinking that I might invest in that now slash yet. I think maybe I think I need to sit and think on that one a little because there's just a little bit of a a lot of moving parts at the moment. So I'm thinking maybe not sort of committing to that right now, but it is definitely something that I that I will be and should be considering for sure. Mhmm. Yeah. Okay. Yep. Okay. Sure. I think it it it if possible, I know that I think I have a file with you guys. I think maybe if we can revisit that in a year's time, if that would be great. Yep. Yeah. I think I think I'd like that for sure. Yeah. Yeah. Mhmm. Yep. Yep. I actually did a test about two months ago, and everything's looking normal. Yep. Yeah. So I did I did that test. What month is it now? September. Yes. I did that test early August. Mhmm. With the mental health, is there, like, a time frame or something where that is no longer an exclusionary? Yep. Mhmm. Okay. Yep. Yep. Cool. Yeah. Mhmm. Yep. Mhmm. That's alright. I have no doubt. I also used to work in a legal form, so that's fine. Yep. Uh-huh. Yeah. I can actually I can actually reduce that to about 5% at this point. Yes. For sure. No. It's not questions at this point, but it's it's all been good. It's I've I've gotten all of it. Mhmm. Yep. Yeah. Sure. Perfect. I could've sworn that could you tell me what is it? Vukovich? Yeah. I I could've sworn we actually had a a catch up scheduled for next month. Yes. That sounds about right. Yep. Cool. Yeah. Perfect. Mhmm. Monday, Tuesday would be good. Ideally, after 3PM my time, but I can make make it work any earlier as long as it's a Monday or Tuesday. 3PM onwards, because 3PM is when I finish work. Yes. That would be ideal. Now, again, that's WA time. Yeah? That is perfect. Sounds great. Yep. Sounds great. Thank you so much for your call. You too. 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Good. How will you tell me? That's alright. Yep.\n\nYes. If you could do that, that'd be preferable because I'm also like, I'm I'm I'm free to talk, but my hands are a little busy. Yep. Mhmm. Yep.\n\nYep. Yep. Yep. Of course. Go for it.\n\nWait. What? That is wildly not correct. Uh-huh. Technical officer.\n\nYeah. None whatsoever. I work in tertiary education, universities. That sounds about right. Yes.\n\nThat is still okay. I've I've been there. I've done that. You've got my falsities. I just wasn't expecting that specific job description.\n\nI will appreciate that. Yep. Yep. Yep. Did I take it?\n\nAbsolutely correct. I wish I had million dollars in the mattress, but I do not. Not. Oh, god. That would be amazing, wouldn't it?\n\nThat would that would be amazing. That being said, with my cats, I'm not so sure. They'd probably find them in Shredder and Caesar. Yep. Yep.\n\nYes. Mhmm. Yep. Yep. Mhmm.\n\nYep. Yep. Mhmm. Yep. Sure.\n\nOkay. Mhmm. Forget that. I I was got a little bit more the the just one second, Tommy. Yeah.\n\nIt's actually pushing down a little bit on the plastic. I could see it when you took the handle down. I would take But it it's not actually touching the rubber. Oh, okay. Okay.\n\nYeah. Sorry, Tommy. Keep going. Yep. Hold on for me.\n\nMhmm. Yes. That does sound about right. Yeah. Mhmm.\n\nOkay. What's the difference in cover and cost? Wow. Yeah. That's fair.\n\nOkay. Okay. So 16 100 per year, that's inclusive of the smokers. And without the smokers, it would be holy crap. Okay.\n\nIf there wasn't a bigger if there wasn't a bigger motivation to quit, Jesus. Mhmm. Yep. Yes. Mhmm.\n\nYep. Mhmm. Mhmm. Yep. Mhmm.\n\nYep. Valuable? Yeah. Definitely. I'm not actually thinking that I might invest in that now slash yet.\n\nI think maybe I think I need to sit and think on that one a little because there's just a little bit of a a lot of moving parts at the moment. So I'm thinking maybe not sort of committing to that right now, but it is definitely something that I that I will be and should be considering for sure. Mhmm. Yeah. Okay.\n\nYep. Okay. Sure. I think it it it if possible, I know that I think I have a file with you guys. I think maybe if we can revisit that in a year's time, if that would be great.\n\nYep. Yeah. I think I think I'd like that for sure. Yeah. Yeah.\n\nMhmm. Yep. Yep. I actually did a test about two months ago, and everything's looking normal. Yep.\n\nYeah. So I did I did that test. What month is it now? September. Yes.\n\nI did that test early August. Mhmm. With the mental health, is there, like, a time frame or something where that is no longer an exclusionary? Yep. Mhmm.\n\nOkay. Yep. Yep. Cool. Yeah.\n\nMhmm. Yep. Mhmm. That's alright. I have no doubt.\n\nI also used to work in a legal form, so that's fine. Yep. Uh-huh. Yeah. I can actually I can actually reduce that to about 5% at this point.\n\nYes. For sure. No. It's not questions at this point, but it's it's all been good. It's I've I've gotten all of it.\n\nMhmm. Yep. Yeah. Sure. Perfect.\n\nI could've sworn that could you tell me what is it? Vukovich? Yeah. I I could've sworn we actually had a a catch up scheduled for next month. Yes.\n\nThat sounds about right. Yep. Cool. Yeah. Perfect.\n\nMhmm. Monday, Tuesday would be good. Ideally, after 3PM my time, but I can make make it work any earlier as long as it's a Monday or Tuesday. 3PM onwards, because 3PM is when I finish work. Yes.\n\nThat would be ideal. Now, again, that's WA time. Yeah? That is perfect. Sounds great.\n\nYep. Sounds great. Thank you so much for your call. You too. Bye now.","paragraphs":[{"sentences":[{"text":"Hey.","start":6.56,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.26466619968414307},{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.3845919966697693},{"text":"How will you tell me?","start":7.12,"end":8.18,"sentiment":"neutral","sentiment_score":0.29464587569236755},{"text":"That's alright.","start":12.16,"end":12.9,"sentiment":"positive","sentiment_score":0.4606260359287262},{"text":"Yep.","start":24.445,"end":24.945,"sentiment":"neutral","sentiment_score":0.03260794281959534}],"sentiment":"neutral","sentiment_score":0.3076347589492798,"num_words":10,"start":6.56,"end":24.945},{"sentences":[{"text":"Yes.","start":34.2,"end":34.7,"sentiment":"neutral","sentiment_score":0.043410442769527435},{"text":"If you could do that, that'd be preferable because I'm also like, I'm I'm I'm free to talk, but my hands are a little 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fair.","start":495.385,"end":496.20502,"sentiment":"neutral","sentiment_score":-0.020651631988584995}],"sentiment":"neutral","sentiment_score":-0.05992165223384897,"num_words":12,"start":484.69,"end":496.20502},{"sentences":[{"text":"Okay.","start":511.93,"end":512.43,"sentiment":"neutral","sentiment_score":0.13590961694717407},{"text":"Okay.","start":512.49,"end":512.99,"sentiment":"neutral","sentiment_score":0.10465896129608154},{"text":"So 16 100 per year, that's inclusive of the smokers.","start":513.77,"end":518.405,"sentiment":"neutral","sentiment_score":0.04032169105485082},{"text":"And without the smokers, it would be holy crap.","start":520.465,"end":526.72504,"sentiment":"neutral","sentiment_score":-0.03511082174049483},{"text":"Okay.","start":526.78503,"end":527.28503,"sentiment":"neutral","sentiment_score":0.0403556115925312}],"sentiment":"neutral","sentiment_score":0.016733804759992796,"num_words":22,"start":511.93,"end":527.28503},{"sentences":[{"text":"If there wasn't a bigger if there wasn't a bigger motivation to quit, Jesus.","start":529.62,"end":533.16,"sentiment":"neutral","sentiment_score":-0.18357510625251702},{"text":"Mhmm.","start":540.01996,"end":540.51996,"sentiment":"neutral","sentiment_score":-0.02292459085583687},{"text":"Yep.","start":540.74,"end":541.095,"sentiment":"neutral","sentiment_score":0.17154400050640106},{"text":"Yes.","start":549.175,"end":549.675,"sentiment":"neutral","sentiment_score":0.0005222484469413757},{"text":"Mhmm.","start":567.79,"end":568.29,"sentiment":"neutral","sentiment_score":-0.121804878115654}],"sentiment":"neutral","sentiment_score":-0.14126192819741037,"num_words":18,"start":529.62,"end":568.29},{"sentences":[{"text":"Yep.","start":580.185,"end":580.685,"sentiment":"neutral","sentiment_score":0.19070395827293396},{"text":"Mhmm.","start":594.47003,"end":594.97003,"sentiment":"neutral","sentiment_score":0.03632095083594322},{"text":"Mhmm.","start":604.585,"end":605.085,"sentiment":"neutral","sentiment_score":-0.0065710293129086494},{"text":"Yep.","start":625.5,"end":626.0,"sentiment":"neutral","sentiment_score":-0.03502052649855614},{"text":"Mhmm.","start":677.01,"end":677.51,"sentiment":"neutral","sentiment_score":-0.121664896607399}],"sentiment":"neutral","sentiment_score":0.012753691338002679,"num_words":5,"start":580.185,"end":677.51},{"sentences":[{"text":"Yep.","start":680.37,"end":680.87,"sentiment":"neutral","sentiment_score":0.06669057905673981},{"text":"Valuable?","start":693.505,"end":694.005,"sentiment":"neutral","sentiment_score":0.14897520840168},{"text":"Yeah.","start":694.46497,"end":694.96497,"sentiment":"neutral","sentiment_score":0.0428505577147007},{"text":"Definitely.","start":695.60004,"end":696.10004,"sentiment":"neutral","sentiment_score":0.026915645226836205},{"text":"I'm not actually thinking that I might invest in that now slash yet.","start":696.4,"end":703.46,"sentiment":"neutral","sentiment_score":-0.23416022612498358}],"sentiment":"neutral","sentiment_score":-0.1622735852485194,"num_words":17,"start":680.37,"end":703.46},{"sentences":[{"text":"I think maybe I think I need to sit and think on that one a little because there's just a little bit of a a lot of moving parts at the moment.","start":704.72003,"end":713.515,"sentiment":"neutral","sentiment_score":-0.10696153691969812},{"text":"So I'm thinking maybe not sort of committing to that right now, but it is definitely something that I that I will be and should be considering for sure.","start":713.575,"end":723.115,"sentiment":"neutral","sentiment_score":0.07702402539294341},{"text":"Mhmm.","start":729.14,"end":729.64,"sentiment":"neutral","sentiment_score":0.03738559037446976},{"text":"Yeah.","start":741.65497,"end":742.15497,"sentiment":"neutral","sentiment_score":0.057510171085596085},{"text":"Okay.","start":742.455,"end":742.955,"sentiment":"neutral","sentiment_score":0.05449158698320389}],"sentiment":"neutral","sentiment_score":-0.016245079634245485,"num_words":64,"start":704.72003,"end":742.955},{"sentences":[{"text":"Yep.","start":749.575,"end":750.075,"sentiment":"neutral","sentiment_score":0.09748691320419312},{"text":"Okay.","start":753.095,"end":753.45,"sentiment":"neutral","sentiment_score":0.26005059480667114},{"text":"Sure.","start":753.69,"end":754.19,"sentiment":"positive","sentiment_score":0.5288397073745728},{"text":"I think it it it if possible, I know that I think I have a file with you guys.","start":755.45,"end":760.65,"sentiment":"neutral","sentiment_score":0.06401467039004753},{"text":"I think maybe if we can revisit that in a year's time, if that would be great.","start":760.65,"end":764.99,"sentiment":"neutral","sentiment_score":0.22681460354258032}],"sentiment":"neutral","sentiment_score":0.1527821593082104,"num_words":39,"start":749.575,"end":764.99},{"sentences":[{"text":"Yep.","start":774.875,"end":775.375,"sentiment":"neutral","sentiment_score":0.14239473640918732},{"text":"Yeah.","start":783.35004,"end":783.59,"sentiment":"neutral","sentiment_score":0.12507307529449463},{"text":"I think I think I'd like that for sure.","start":783.59,"end":785.85004,"sentiment":"neutral","sentiment_score":0.10927379131317139},{"text":"Yeah.","start":796.15,"end":796.65,"sentiment":"neutral","sentiment_score":0.0161651149392128},{"text":"Yeah.","start":809.58496,"end":810.0,"sentiment":"neutral","sentiment_score":0.04888228327035904}],"sentiment":"neutral","sentiment_score":0.10122917936398433,"num_words":13,"start":774.875,"end":810.0},{"sentences":[{"text":"Mhmm.","start":818.0,"end":818.5,"sentiment":"neutral","sentiment_score":0.01840043812990189},{"text":"Yep.","start":830.525,"end":831.025,"sentiment":"neutral","sentiment_score":0.1600555181503296},{"text":"Yep.","start":841.35004,"end":841.85004,"sentiment":"neutral","sentiment_score":0.104970321059227},{"text":"I actually did a test about two months ago, and everything's looking normal.","start":850.695,"end":856.315,"sentiment":"neutral","sentiment_score":0.153449786397127},{"text":"Yep.","start":863.17505,"end":863.61,"sentiment":"neutral","sentiment_score":0.07207179814577103}],"sentiment":"neutral","sentiment_score":0.1382556058028165,"num_words":17,"start":818.0,"end":863.61},{"sentences":[{"text":"Yeah.","start":866.73,"end":867.05,"sentiment":"neutral","sentiment_score":0.038582898676395416},{"text":"So I did I did that test.","start":867.05,"end":869.20996,"sentiment":"neutral","sentiment_score":0.009644446362342154},{"text":"What month is it now?","start":869.20996,"end":870.17,"sentiment":"neutral","sentiment_score":0.00716663096100092},{"text":"September.","start":870.17,"end":870.67,"sentiment":"neutral","sentiment_score":0.01334124244749546},{"text":"Yes.","start":870.81,"end":871.13,"sentiment":"neutral","sentiment_score":0.016924280673265457}],"sentiment":"neutral","sentiment_score":0.011479513409237066,"num_words":15,"start":866.73,"end":871.13},{"sentences":[{"text":"I did that test early August.","start":871.13,"end":872.67,"sentiment":"neutral","sentiment_score":0.034651119417200484},{"text":"Mhmm.","start":886.54504,"end":887.04504,"sentiment":"neutral","sentiment_score":-0.16486313939094543},{"text":"With the mental health, is there, like, a time frame or something where that is no longer an exclusionary?","start":890.385,"end":896.31,"sentiment":"neutral","sentiment_score":-0.0882225773836437},{"text":"Yep.","start":905.01,"end":905.51,"sentiment":"neutral","sentiment_score":-0.014214273542165756},{"text":"Mhmm.","start":908.84503,"end":909.34503,"sentiment":"neutral","sentiment_score":-0.02906929142773151}],"sentiment":"neutral","sentiment_score":-0.05987389136238822,"num_words":28,"start":871.13,"end":909.34503},{"sentences":[{"text":"Okay.","start":916.525,"end":917.025,"sentiment":"neutral","sentiment_score":-0.003491404466331005},{"text":"Yep.","start":917.165,"end":917.665,"sentiment":"neutral","sentiment_score":-0.000857750594150275},{"text":"Yep.","start":926.67004,"end":927.17004,"sentiment":"neutral","sentiment_score":0.08105505257844925},{"text":"Cool.","start":929.07,"end":929.55005,"sentiment":"neutral","sentiment_score":0.2955416738986969},{"text":"Yeah.","start":929.55005,"end":930.05005,"sentiment":"neutral","sentiment_score":0.2705099582672119}],"sentiment":"neutral","sentiment_score":0.12855150593677536,"num_words":5,"start":916.525,"end":930.05005},{"sentences":[{"text":"Mhmm.","start":944.825,"end":945.325,"sentiment":"neutral","sentiment_score":0.18323342502117157},{"text":"Yep.","start":949.99,"end":950.49,"sentiment":"neutral","sentiment_score":0.2483056038618088},{"text":"Mhmm.","start":966.125,"end":966.625,"sentiment":"neutral","sentiment_score":-0.017698751762509346},{"text":"That's alright.","start":978.07,"end":988.25,"sentiment":"neutral","sentiment_score":-0.09622291359119117},{"text":"I have no doubt.","start":988.63,"end":989.51,"sentiment":"neutral","sentiment_score":0.02645592764019966}],"sentiment":"neutral","sentiment_score":0.03635757338876525,"num_words":9,"start":944.825,"end":989.51},{"sentences":[{"text":"I also used to work in a legal form, so that's fine.","start":989.51,"end":1000.46497,"sentiment":"neutral","sentiment_score":0.05352878632644812},{"text":"Yep.","start":1000.46497,"end":1000.96497,"sentiment":"neutral","sentiment_score":0.0807337611913681},{"text":"Uh-huh.","start":1008.8,"end":1009.3,"sentiment":"neutral","sentiment_score":0.03736986964941025},{"text":"Yeah.","start":1029.085,"end":1029.325,"sentiment":"neutral","sentiment_score":0.07889632880687714},{"text":"I can actually I can actually reduce that to about 5% at this point.","start":1029.325,"end":1032.81,"sentiment":"neutral","sentiment_score":0.08157217928341456}],"sentiment":"neutral","sentiment_score":0.06832261743216679,"num_words":29,"start":989.51,"end":1032.81},{"sentences":[{"text":"Yes.","start":1041.3701,"end":1041.6901,"sentiment":"neutral","sentiment_score":0.15354451537132263},{"text":"For sure.","start":1041.6901,"end":1042.3501,"sentiment":"neutral","sentiment_score":0.17912746965885162},{"text":"No.","start":1053.965,"end":1054.125,"sentiment":"neutral","sentiment_score":0.06934703886508942},{"text":"It's not questions at this point, but it's it's all been good.","start":1054.125,"end":1057.245,"sentiment":"neutral","sentiment_score":0.2605021862934033},{"text":"It's I've I've gotten all of it.","start":1057.245,"end":1059.1849,"sentiment":"positive","sentiment_score":0.4058020200048174}],"sentiment":"neutral","sentiment_score":0.28468638561342074,"num_words":23,"start":1041.3701,"end":1059.1849},{"sentences":[{"text":"Mhmm.","start":1067.71,"end":1068.21,"sentiment":"neutral","sentiment_score":0.04508728161454201},{"text":"Yep.","start":1077.675,"end":1078.175,"sentiment":"neutral","sentiment_score":0.14301744103431702},{"text":"Yeah.","start":1102.105,"end":1102.425,"sentiment":"neutral","sentiment_score":0.2102867215871811},{"text":"Sure.","start":1102.425,"end":1102.825,"sentiment":"neutral","sentiment_score":0.3110677897930145},{"text":"Perfect.","start":1102.825,"end":1103.325,"sentiment":"positive","sentiment_score":0.5269597768783569}],"sentiment":"neutral","sentiment_score":0.24728380218148233,"num_words":5,"start":1067.71,"end":1103.325},{"sentences":[{"text":"I could've sworn that could you tell me what is it?","start":1129.6849,"end":1132.565,"sentiment":"neutral","sentiment_score":0.0023798870388418436},{"text":"Vukovich?","start":1132.565,"end":1133.065,"sentiment":"neutral","sentiment_score":0.008467331528663635},{"text":"Yeah.","start":1134.8049,"end":1135.125,"sentiment":"neutral","sentiment_score":0.0980485826730728},{"text":"I I could've sworn we actually had a a catch up scheduled for next month.","start":1135.125,"end":1145.82,"sentiment":"neutral","sentiment_score":0.0737898642818133},{"text":"Yes.","start":1146.84,"end":1147.34,"sentiment":"neutral","sentiment_score":0.1376952826976776}],"sentiment":"neutral","sentiment_score":0.047490962708754275,"num_words":29,"start":1129.6849,"end":1147.34},{"sentences":[{"text":"That sounds about right.","start":1157.925,"end":1158.885,"sentiment":"neutral","sentiment_score":0.25497186183929443},{"text":"Yep.","start":1158.885,"end":1159.385,"sentiment":"neutral","sentiment_score":0.2134493589401245},{"text":"Cool.","start":1175.4199,"end":1175.74,"sentiment":"positive","sentiment_score":0.4326508641242981},{"text":"Yeah.","start":1175.74,"end":1175.98,"sentiment":"positive","sentiment_score":0.3884984254837036},{"text":"Perfect.","start":1175.98,"end":1176.48,"sentiment":"positive","sentiment_score":0.5432120561599731}],"sentiment":"neutral","sentiment_score":0.32471226900815964,"num_words":8,"start":1157.925,"end":1176.48},{"sentences":[{"text":"Mhmm.","start":1188.7949,"end":1189.2949,"sentiment":"neutral","sentiment_score":0.023159077391028404},{"text":"Monday, Tuesday would be good.","start":1197.05,"end":1198.8301,"sentiment":"neutral","sentiment_score":0.07614393085241318},{"text":"Ideally, after 3PM my time, but I can make make it work any earlier as long as it's a Monday or Tuesday.","start":1199.61,"end":1205.87,"sentiment":"neutral","sentiment_score":0.11213567311113531},{"text":"3PM onwards, because 3PM is when I finish work.","start":1220.77,"end":1223.67,"sentiment":"neutral","sentiment_score":0.05623841699626711},{"text":"Yes.","start":1228.9299,"end":1229.25,"sentiment":"neutral","sentiment_score":0.08879746496677399}],"sentiment":"neutral","sentiment_score":0.09120544100082234,"num_words":38,"start":1188.7949,"end":1229.25},{"sentences":[{"text":"That would be ideal.","start":1229.25,"end":1230.23,"sentiment":"neutral","sentiment_score":0.1212308220565319},{"text":"Now, again, that's WA time.","start":1230.29,"end":1232.0499,"sentiment":"neutral","sentiment_score":0.04706846624612808},{"text":"Yeah?","start":1232.0499,"end":1232.5499,"sentiment":"neutral","sentiment_score":0.053345225751399994},{"text":"That is perfect.","start":1245.225,"end":1246.125,"sentiment":"positive","sentiment_score":0.6036974390347799},{"text":"Sounds great.","start":1262.9249,"end":1277.0249,"sentiment":"positive","sentiment_score":0.528662383556366}],"sentiment":"neutral","sentiment_score":0.24280186196168263,"num_words":15,"start":1229.25,"end":1277.0249},{"sentences":[{"text":"Yep.","start":1277.485,"end":1277.88,"sentiment":"neutral","sentiment_score":0.07919289916753769},{"text":"Sounds great.","start":1285.96,"end":1286.52,"sentiment":"positive","sentiment_score":0.7725933492183685},{"text":"Thank you so much for your call.","start":1286.52,"end":1287.9,"sentiment":"positive","sentiment_score":0.8477541037968227},{"text":"You too.","start":1291.56,"end":1292.2,"sentiment":"positive","sentiment_score":0.38615110516548157},{"text":"Bye now.","start":1292.2,"end":1292.835,"sentiment":"neutral","sentiment_score":0.28025534749031067}],"sentiment":"positive","sentiment_score":0.6351050878209727,"num_words":14,"start":1277.485,"end":1292.835}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Cecilia. You've come through to Tommy there. How are you doing?\n\nChannel 1: Hey. Good. How will you tell me?\n\nChannel 0: I'm doing absolutely fantastic. Thank you so much for calling back in.\n\nChannel 1: That's alright.\n\nChannel 0: Now I've got a bit of an updated strategy to run through with you today. I'm not sure if the team let you know, but we were doing some work on the insurance side of things since you came on board.\n\nChannel 1: Yep.\n\nChannel 0: Now that you've gone through security and everything, I was just wondering if you had access to your email to look onto it with me.\n\nChannel 1: Yes.\n\nChannel 0: Me. If you don't, that's okay. I can just send it through, kind of walk you through the cliff notes, and give you\n\nChannel 1: If\n\nChannel 0: some\n\nChannel 1: you\n\nChannel 0: time\n\nChannel 1: could do\n\nChannel 0: to read\n\nChannel 1: that,\n\nChannel 0: through.\n\nChannel 1: that'd be preferable because I'm also like, I'm I'm I'm free to talk, but my hands are a little busy.\n\nChannel 0: No. That's totally fine. So what I'll do is I'll pop it through just so you've got it. And I'm just using your Hotmail address, c_0.5star@Hotmail.com?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now just to kind of give you a bit of background context, so there's a solid nine documents coming through. I do apologize. Whenever we do any product recommendations, we have to attach about 1,200 pages worth of product disclosure documents too. So there's a statement of advice is the main one, and then some quotes, and then basically just service guides with us and product documents for the super and the insurance.\n\nSo all of that will go through. And your your case in your file has essentially been escalated to me as the senior adviser just to try and get you essentially retail insurance cover in line with your original discussion with us and the amounts\n\nChannel 1: Mhmm.\n\nChannel 0: that you originally wanted to obtain. Obviously, there was some health investigations going on, and you've since had that finished. And so we've\n\nChannel 1: Yep.\n\nChannel 0: gone\n\nChannel 1: Yep.\n\nChannel 0: through the research side of things.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now just to give you a couple of quick points on this document itself because you probably remember from your first one, we include a scope of advice on what we're covering, and this document is purely just insurance scope only. There's nothing in here about cash flow, debt management, superannuation changes, or anything of the like. It is really just trying to get in place that top up that you're originally aiming for. Now as a bit of a recap as well, we do have your details listed in there as well.\n\nDo you mind if I just quickly check if these details are current?\n\nChannel 1: Yep. Of course. Go for it.\n\nChannel 0: Perfect. So in the about you section, we have you listed down as a teacher for the correctional centers on about 108,000 per annum.\n\nChannel 1: Wait. What? That is wildly not correct.\n\nChannel 0: Okay. Good thing to double check before I go any further. So in terms\n\nChannel 1: Uh-huh.\n\nChannel 0: of occupation title,\n\nChannel 1: Technical officer.\n\nChannel 0: Technical officer. And did\n\nChannel 1: Yeah.\n\nChannel 0: that have any linking towards correctional facilities or no?\n\nChannel 1: None whatsoever. I work in tertiary education, universities.\n\nChannel 0: Tertiary. Teacher for Thank you very much for that. Let me have a quick look. I am looking at the wrong document. I do apologize.\n\nAlright. Let me grab the correct one up. Technical officer 82000. Does that sound\n\nChannel 1: That\n\nChannel 0: more correct?\n\nChannel 1: sounds about right. Yes.\n\nChannel 0: I am so sorry. I have four screens going, and I'm usually pretty good with them.\n\nChannel 1: That\n\nChannel 0: And\n\nChannel 1: is still okay. I've I've been there. I've done that. You've got my falsities.\n\nChannel 0: okay.\n\nChannel 1: I just wasn't expecting that specific job description.\n\nChannel 0: Perfect. Well, great for us to check that up front before I went any further with it.\n\nChannel 1: I will\n\nChannel 0: So\n\nChannel 1: appreciate\n\nChannel 0: that your\n\nChannel 1: that. Yep.\n\nChannel 0: email address, phone number hasn't changed. That's all great. We\n\nChannel 1: Yep.\n\nChannel 0: had you de facto marital status.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Did I take it? Absolutely\n\nChannel 0: Yep. De facto. The only real main sort of asset we had on file was motorbike kind of things. No million dollars hidden under a mattress or anything like that.\n\nChannel 1: correct. I wish I had\n\nChannel 0: Perfect.\n\nChannel 1: million dollars in the mattress, but I do not.\n\nChannel 0: Hopefully, one review that will just pop up randomly, and we can just tick off the goals as all met\n\nChannel 1: Not. Oh, god. That\n\nChannel 0: twenty\n\nChannel 1: would\n\nChannel 0: years\n\nChannel 1: be amazing,\n\nChannel 0: early.\n\nChannel 1: wouldn't\n\nChannel 0: Hey?\n\nChannel 1: it? That would that would be amazing. That being said, with my cats, I'm not so sure. They'd probably find them in\n\nChannel 0: Fair.\n\nChannel 1: Shredder and Caesar.\n\nChannel 0: Absolutely. I've got two cats and a dog, so I know exactly what you're talking about. We have your hub 24 super. And so originally, when you came on board, we put in place a little bit of life and TPD insurance,\n\nChannel 1: Yep.\n\nChannel 0: about 200,000 of each.\n\nChannel 1: Yep.\n\nChannel 0: And you were aiming for around about 750,000 to cover everything, essentially.\n\nChannel 1: Yes.\n\nChannel 0: We were also talking about you spoke with Carl about income protection, and he did mention things like trauma insurance as well just as a bit of an exploratory thing.\n\nChannel 1: Mhmm.\n\nChannel 0: That's for heart attack, stroke, and cancer, that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: Now when you go through there, we basically compare the top five providers for you, and we found that most of the providers had a pretty good occupation rating for you. Their feature score was all sitting around about the 78 to 82, which is pretty well the the sort of highest you can get. There's a lot of policies that are in the sixties. Very rarely have I seen anything above 85.\n\nChannel 1: Yep.\n\nChannel 0: We've picked the one that had the lowest premiums for your occupation. And, basically, what we've recommended to do is go through a provider called Zurich who\n\nChannel 1: Mhmm.\n\nChannel 0: is very good with your your industry. They kind of come out the best in terms of pricing.\n\nChannel 1: Yep.\n\nChannel 0: I have recommended two. So just to kind of swing into the health side of things a little bit, I'm recommending that we keep the 200,000 that we put in place through Hub as\n\nChannel 1: Yep.\n\nChannel 0: a kind of baseline cover because that\n\nChannel 1: Mhmm.\n\nChannel 0: kind of default group cover is not gonna get the exclusions and everything that you're expecting from your previous conversations.\n\nChannel 1: Yep. Sure.\n\nChannel 0: So what I've recommended essentially is 550,000 top up of life and CPD, income protection for 70% of your income with a we had it there as a sort of ninety day waiting period, age 65 benefit period just kind of in line with that chat that you have with Kyle. Bear in mind that that cover amount will probably get you after tax around about a thousand dollars a week in the hands because it is\n\nChannel 1: Okay.\n\nChannel 0: kind of gross payments. The maximum is 70%. Yeah. So it's 4,783 per month, and that equates to about a thousand dollars a week.\n\nChannel 1: Mhmm. Forget that. I I was got a little bit more the the just one second, Tommy. Yeah. It's actually pushing down a little bit on the plastic.\n\nI could see it when you took the handle down. I would take But it it's not actually touching the rubber. Oh, okay. Okay. Yeah.\n\nSorry, Tommy. Keep going. Yep. Hold on for me.\n\nChannel 0: No. You're totally fine. So that cover amount will basically get you through right through to the age of 65. It works in tandem with the TPD cover. So if\n\nChannel 1: Mhmm.\n\nChannel 0: you're in a very, very long term injury or illness, you'll get your income protection. You can also claim on the lump sums, the the 550, the 200 on top of that if that gets that serious.\n\nChannel 1: Yes.\n\nChannel 0: Now just quickly on the sort of health side of things, we did have you basically quitting vaping possibly about six to twelve months ago. Does that sound about right?\n\nChannel 1: That does sound about right. Yeah.\n\nChannel 0: Cool. So just in case, because it had just been a little bit of time between conversations, I did quote it up as smokers' rates to see the worst case scenario. And if we get you to twelve months nicotine free, you can apply nonsmoker's rates pretty much straight away.\n\nChannel 1: Mhmm. Okay. What's the difference in cover and cost?\n\nChannel 0: So when it comes to cost, it's always around about a 50% difference. It can be\n\nChannel 1: Wow.\n\nChannel 0: quite quite hefty.\n\nChannel 1: Yeah.\n\nChannel 0: In\n\nChannel 1: That's\n\nChannel 0: terms\n\nChannel 1: fair.\n\nChannel 0: of the the premiums through the super, though, with the rebates and everything that you get, it would still be under about 2,000 coming out of the super. We've gotten it down to about 1,600 per year for all of the life insurance disability and income protection.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Now\n\nChannel 1: So 16\n\nChannel 0: I usually apply that\n\nChannel 1: 100\n\nChannel 0: for a\n\nChannel 1: per\n\nChannel 0: dozen.\n\nChannel 1: year, that's inclusive of the smokers.\n\nChannel 0: Correct.\n\nChannel 1: And without the smokers, it would be\n\nChannel 0: Probably about 900 ish.\n\nChannel 1: holy crap. Okay.\n\nChannel 0: Yep. I usually get\n\nChannel 1: If\n\nChannel 0: a bit\n\nChannel 1: there\n\nChannel 0: of\n\nChannel 1: wasn't\n\nChannel 0: a flag.\n\nChannel 1: a bigger if there wasn't a bigger motivation to quit, Jesus.\n\nChannel 0: Yeah. It's quite punishing. Smoker's race is probably one of the roughest loadings, we call them, in the industry,\n\nChannel 1: Mhmm.\n\nChannel 0: and it's\n\nChannel 1: Yep.\n\nChannel 0: very easy to get off with that twelve month tick off. It's basically just a a nonsmoker's declaration, and it's usually like a one page form.\n\nChannel 1: Yes.\n\nChannel 0: If it's usually above 2,000, it would start to impact your super growth a little bit because of obviously your contribution rate versus the growth. And if it was hitting 3,000 or above with any health based loadings, it would be hitting that unaffordable territory in\n\nChannel 1: Mhmm.\n\nChannel 0: in my opinion. So I have recommended because it was about $700 cheaper than all the other providers without skimping on any features or fine print under the hood.\n\nChannel 1: Yep.\n\nChannel 0: I have included that too. So when it comes to the trauma insurance side of things, Carl would talk to you about possibly having a year's worth of income replacement after tax, so around about 60\n\nChannel 1: Mhmm.\n\nChannel 0: 5,000. A bit of a lump sum if you were diagnosed with a heart attack, stroke, cancer, or a severe medical condition.\n\nChannel 1: Mhmm.\n\nChannel 0: And that can range from, you know, bacterial meningitis, organ failure, all that kind of thing. So if you think of the landscape a little bit, life insurance is pretty self explanatory. If you pass away, here's a lump sum. Disability cover is if you can never work again, and income protections if you're out of work temporarily for, you know, a few months, a few years.\n\nChannel 1: Yep.\n\nChannel 0: The trauma cover is if you get that diagnosis or for some people, I've seen the people that have a heart attack and then go back to work the next week. Pretty serious thing has happened to them. Maybe they have to go get treatment follow ups, maybe spend a bit of time at home, but they may be straight back to work. So this is basically just a lump sum to help with medical costs, time with family, things like that. It includes cancer diagnosis as well.\n\nNow that one is the one that he would have probably mentioned to you originally is only payable out of pocket. It's not payable through the super. It is basically like a direct debit monthly premium. We have found this one to go at around about 20 about $20 a month, $21 a month out of pocket, including the\n\nChannel 1: Mhmm.\n\nChannel 0: smoker's rates.\n\nChannel 1: Yep.\n\nChannel 0: So I wanted to run that one by you and say, first of all, is $21 a month affordable? And do you feel like that might be valuable as a type of\n\nChannel 1: Valuable? Yeah. Definitely. I'm not actually thinking that I might invest in that now slash\n\nChannel 0: insurance?\n\nChannel 1: yet.\n\nChannel 0: Mhmm.\n\nChannel 1: I think maybe I think I need to sit and think on that one a little\n\nChannel 0: Yep.\n\nChannel 1: because there's just a little bit of a a lot of moving parts at the moment. So I'm thinking maybe not sort of committing to that right now, but it\n\nChannel 0: Yeah.\n\nChannel 1: is definitely something that I that I will be and should be considering for sure.\n\nChannel 0: Yep. So what we do in this case is when we get to that end of that statement of advice document, there is\n\nChannel 1: Mhmm.\n\nChannel 0: essentially, where you sign, there's an authority to proceed, and there's a text box just above it if you would like to vary any of the recommendations you would like to go ahead with.\n\nChannel 1: Yeah.\n\nChannel 0: What\n\nChannel 1: Okay.\n\nChannel 0: you can essentially just put in there is just type in there no trauma insurance or do not wish to proceed with trauma cover, and we can exclude that from the implementation. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Implementation.\n\nChannel 1: Okay. Sure.\n\nChannel 0: Perfect.\n\nChannel 1: I think\n\nChannel 0: When it\n\nChannel 1: it\n\nChannel 0: comes\n\nChannel 1: it it\n\nChannel 0: sorry?\n\nChannel 1: if possible,\n\nChannel 0: Yeah.\n\nChannel 1: I know that I think I have a file with you guys. I think maybe if we can revisit that in a year's time, if that would be great.\n\nChannel 0: Absolutely. So we'll schedule essentially an annual review in, and I'll put a flag on the file to revisit that when we talk about the annual review. We'll talk about\n\nChannel 1: Yep.\n\nChannel 0: the super, how that current policy has been going, any other changes or advice, and then we'll also talk about an updated quote for that as well.\n\nChannel 1: Yeah. I think I think I'd like that for sure.\n\nChannel 0: Yep. Absolutely. That's totally fine. When it comes to the health side, you were expecting some exclusions based on previous discussions.\n\nChannel 1: Yeah.\n\nChannel 0: I have included here essentially all the notes that we had from the insurers because we called everybody just to get a bit of a lay of the land to find who would give you the best outcome, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: Now what I'm kind of looking at is standard rates for the life insurance. No issues there. We\n\nChannel 1: Mhmm.\n\nChannel 0: are looking at, obviously, the smokers' rates. That's reviewable after that twelve month period. Again, policy doesn't have to be running for twelve months. You just have to have been able to do that nonsmoker's declaration.\n\nChannel 1: Yep.\n\nChannel 0: We've got the foot that came out fine from the pre assessment you did with Caden. As far as Hashimoto's disease\n\nChannel 1: Yep.\n\nChannel 0: goes, we've got if the thyroid function test is normal, there are no concerns. If there has been no recent test, they may request a thyroid function test.\n\nChannel 1: I actually did a test about two months ago, and everything's looking normal.\n\nChannel 0: Sensational. So as long as when we go through the application, you can kind of just give Jack and the team those details. I'll put\n\nChannel 1: Yep.\n\nChannel 0: in there two months ago, thyroid test normal. They'll\n\nChannel 1: Yeah.\n\nChannel 0: just ask\n\nChannel 1: So\n\nChannel 0: you,\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: did\n\nChannel 0: know, for\n\nChannel 1: I\n\nChannel 0: you when\n\nChannel 1: did that test. What month is it now? September. Yes. I did that\n\nChannel 0: Correct.\n\nChannel 1: test early August.\n\nChannel 0: Early August. Alright. So that will go through. No problems. We've got likely exclusion on the TPD income protection trauma for endometriosis and mental health.\n\nThat'll be\n\nChannel 1: Mhmm.\n\nChannel 0: the two that will be the exclusions we're expecting.\n\nChannel 1: With the mental health, is there,\n\nChannel 0: Yep.\n\nChannel 1: like, a time frame or something where that is no longer an exclusionary?\n\nChannel 0: There is. There's two ways that we approach it. So the insurers apply, like, a ten year minimum review in\n\nChannel 1: Yep.\n\nChannel 0: terms of symptom and treatment free,\n\nChannel 1: Mhmm.\n\nChannel 0: where you essentially, everything's resolved. But there is a lot of insurers that will accept, like, a five year period as well.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: what may happen is in preview and sorry. In future reviews, we may actually look at another provider if we can do that two, three, four years earlier for you.\n\nChannel 1: Yep.\n\nChannel 0: That sound okay?\n\nChannel 1: Cool. Yeah.\n\nChannel 0: Perfect. I think that was pretty much everything. So couple of exclusions. We won't go with the trauma cover. Life TPD and income protection look pretty good.\n\nAs soon as we can do nonsmokers rates, that'd be fantastic on pricing,\n\nChannel 1: Mhmm.\n\nChannel 0: and we'd like to keep that hub cover in place as a bit of a baseline as well.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. When you go through that document, there's a needs analysis, which just goes over the discussion you originally had on how we arrived at those amounts. And there's also a projection table, which basically just faxes in the premium impact on the super so you can see\n\nChannel 1: Mhmm.\n\nChannel 0: the impact that that's having over five and ten years. K. Pros and cons of the cover types are in there. I do apologize. The amount of text in the document is quite excessive,\n\nChannel 1: That's\n\nChannel 0: Covering off on every type of insurance and all the pros and cons of each one and how they're structured, insurance advice gets a bit excessive.\n\nChannel 1: alright. I have no doubt. I also used to work in a legal form, so that's\n\nChannel 0: Perfect. And one thing I wanted to check with you too is just in terms of the last question I have for the occupation.\n\nChannel 1: fine. Yep.\n\nChannel 0: Lab tech usage of chemicals, I believe.\n\nChannel 1: Uh-huh.\n\nChannel 0: And we'd noted down a number of chemicals from aldehyde, a few different things there as well. I think the rating that we found was like a obviously used PPE. No heavy usage of chemicals beyond, you know, 20% of your day. It's not all just sitting in a lab in a vat of chemicals kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: That\n\nChannel 1: I\n\nChannel 0: was,\n\nChannel 1: can actually\n\nChannel 0: I think,\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: can actually reduce that to about 5% at this point.\n\nChannel 0: perfect. So I think it's as long as we're under 10 is easy sailing, anything above that would be a bit gray area.\n\nChannel 1: Yes. For sure.\n\nChannel 0: Perfect. I know I've just kind of dumped quite a lot of information at you on four types of insurances. Any questions at this point?\n\nChannel 1: No. It's not questions at this point, but it's it's all been good. It's I've I've gotten all of it.\n\nChannel 0: Perfect. We have included, obviously, commissions payable for applying for insurance cover. So if you weren't\n\nChannel 1: Mhmm.\n\nChannel 0: already aware, whichever provider we go with, we get paid 66% of the first year's premiums as a commission for establishment and then\n\nChannel 1: Yep.\n\nChannel 0: 22% ongoing to look after the policy. And for Okview service, that just includes, obviously, management of the policy and further advice, but also claims assistance and claims advice. If something happens to you, we will jump in, help you get the claim through, and then also give you some advice on, you know, if you receive a million dollars, how do you make it last, all that kind of thing.\n\nChannel 1: Yeah. Sure. Perfect.\n\nChannel 0: Cool. Outside of that, so I was going to essentially pencil in a personal statement to go through the application for you and then pencil in a bit of an annual review in twelve months to go over everything in total. I did just wanna ask you, Cecilia, do you want me to put in any further catch ups before the end of the year or into the new year about any areas you would like to discuss?\n\nChannel 1: I could've sworn that could you tell me what is it? Vukovich?\n\nChannel 0: Correct.\n\nChannel 1: Yeah. I I could've sworn we actually had a a catch up scheduled for next\n\nChannel 0: Actually, let me have a quick look because that might be a bit of a super\n\nChannel 1: month.\n\nChannel 0: review for\n\nChannel 1: Yes.\n\nChannel 0: yes. So you've got the it's quite an ethical portfolio I can see here in the super.\n\nChannel 1: That\n\nChannel 0: And\n\nChannel 1: sounds about right. Yep.\n\nChannel 0: yep. Cool. So what we can do is we'll get the insurance applications underway. And then once all that is applied for in force, we'll have a bit of a catch up on the super and just see if we need to update anything on that side of things as well.\n\nChannel 1: Cool. Yeah. Perfect.\n\nChannel 0: Alrighty. In terms of time frames, I will send you through a bit of an updated quote when we do the application just to remove the trauma insurance from that. Do you\n\nChannel 1: Mhmm.\n\nChannel 0: have a bit of availability for next week?\n\nChannel 1: Monday, Tuesday would be good. Ideally, after 3PM my time, but I can make make it work any earlier as long as it's a Monday or Tuesday.\n\nChannel 0: Perfect. Let me just bring up the implementation team for a quick moment. And in Perth, so we've got two hour time difference. I'll make sure I take that into account. And you said 3PM onwards?\n\nChannel 1: 3PM onwards, because 3PM is when I finish work.\n\nChannel 0: Perfect. So something like a 03:30. Would that be ideal?\n\nChannel 1: Yes. That would be ideal. Now, again, that's WA time. Yeah?\n\nChannel 0: Yes. Correct. So for us, we do close, like, 07:00 Queensland time, 05:00 your time. So we should have plenty of time. Usually takes no more than twenty to thirty minutes.\n\nChannel 1: That is perfect.\n\nChannel 0: Alrighty. What I can do is I can put in a bit of a tentative appointment on Tuesday, the twenty second at 03:30. And from that point, if we need to reschedule, there is some free spots the next day as well.\n\nChannel 1: Sounds\n\nChannel 0: Perfect. Alright, Cecilia. I'll leave that statement of advice document with you. Please just remember when you go to sign that, if you can please put in the authority to proceed the box that you do not wish to proceed with the trauma,\n\nChannel 1: great. Yep.\n\nChannel 0: then I will forward that to the implementation team, and we will be speaking to you 03:30 WA time next Tuesday.\n\nChannel 1: Sounds great. Thank you so much for your call.\n\nChannel 0: You too. Have a fantastic evening, and we'll talk to you then.\n\nChannel 1: You too. Bye now.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Cecilia.","start":2.24,"end":3.6999998,"sentiment":"positive","sentiment_score":0.4224460820357005},{"text":"You've come through to Tommy there.","start":3.84,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.3192705164353053},{"text":"How are you doing?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.2919810116291046}],"sentiment":"positive","sentiment_score":0.3346834916334886,"channel":0,"num_words":13,"start":2.24,"end":6.18},{"sentences":[{"text":"Hey.","start":6.56,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.26466619968414307},{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.3845919966697693},{"text":"How will you tell me?","start":7.12,"end":8.18,"sentiment":"neutral","sentiment_score":0.29464587569236755}],"sentiment":"neutral","sentiment_score":0.3032125106879643,"channel":1,"num_words":7,"start":6.56,"end":8.18},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":8.32,"end":10.099999,"sentiment":"positive","sentiment_score":0.7824842780828476},{"text":"Thank you so much for calling back in.","start":10.16,"end":11.94,"sentiment":"positive","sentiment_score":0.7712864950299263}],"sentiment":"positive","sentiment_score":0.7750190893809,"channel":0,"num_words":12,"start":8.32,"end":11.94},{"sentences":[{"text":"That's alright.","start":12.16,"end":12.9,"sentiment":"positive","sentiment_score":0.4606260359287262}],"sentiment":"positive","sentiment_score":0.4606260359287262,"channel":1,"num_words":2,"start":12.16,"end":12.9},{"sentences":[{"text":"Now I've got a bit of an updated strategy to run through with you today.","start":13.5199995,"end":18.155,"sentiment":"neutral","sentiment_score":0.24556556344032288},{"text":"I'm not sure if the team let you know, but we were doing some work on the insurance side of things since you came on board.","start":18.535,"end":24.075,"sentiment":"neutral","sentiment_score":-0.005031339537638884}],"sentiment":"neutral","sentiment_score":0.08665045423478615,"channel":0,"num_words":41,"start":13.5199995,"end":24.075},{"sentences":[{"text":"Yep.","start":24.445,"end":24.945,"sentiment":"neutral","sentiment_score":0.03260794281959534}],"sentiment":"neutral","sentiment_score":0.03260794281959534,"channel":1,"num_words":1,"start":24.445,"end":24.945},{"sentences":[{"text":"Now that you've gone through security and everything, I was just wondering if you had access to your email to look onto it with me.","start":25.335,"end":31.8,"sentiment":"neutral","sentiment_score":-0.03298562148585916}],"sentiment":"neutral","sentiment_score":-0.03298562148585916,"channel":0,"num_words":25,"start":25.335,"end":31.8},{"sentences":[{"text":"Yes.","start":34.2,"end":34.7,"sentiment":"neutral","sentiment_score":0.043410442769527435}],"sentiment":"neutral","sentiment_score":0.043410442769527435,"channel":1,"num_words":1,"start":34.2,"end":34.7},{"sentences":[{"text":"Me.","start":37.16,"end":37.559998,"sentiment":"neutral","sentiment_score":0.04184630513191223},{"text":"If you don't, that's okay.","start":37.559998,"end":38.68,"sentiment":"neutral","sentiment_score":0.0024235043674707413},{"text":"I can just send it through, kind of walk you through the cliff notes, and give you","start":38.68,"end":42.519997,"sentiment":"neutral","sentiment_score":0.061715746517567074}],"sentiment":"neutral","sentiment_score":0.047962239902952446,"channel":0,"num_words":23,"start":37.16,"end":42.519997},{"sentences":[{"text":"If","start":42.375,"end":42.535,"sentiment":"neutral","sentiment_score":0.0032956115901470184}],"sentiment":"neutral","sentiment_score":0.0032956115901470184,"channel":1,"num_words":1,"start":42.375,"end":42.535},{"sentences":[{"text":"some","start":42.519997,"end":42.68,"sentiment":"neutral","sentiment_score":-0.029773082584142685}],"sentiment":"neutral","sentiment_score":-0.029773082584142685,"channel":0,"num_words":1,"start":42.519997,"end":42.68},{"sentences":[{"text":"you","start":42.535,"end":42.695,"sentiment":"neutral","sentiment_score":-0.02960487455129623}],"sentiment":"neutral","sentiment_score":-0.02960487455129623,"channel":1,"num_words":1,"start":42.535,"end":42.695},{"sentences":[{"text":"time","start":42.68,"end":42.92,"sentiment":"neutral","sentiment_score":-0.015525996685028076}],"sentiment":"neutral","sentiment_score":-0.015525996685028076,"channel":0,"num_words":1,"start":42.68,"end":42.92},{"sentences":[{"text":"could do","start":42.695,"end":43.095,"sentiment":"neutral","sentiment_score":-0.019994396716356277}],"sentiment":"neutral","sentiment_score":-0.019994396716356277,"channel":1,"num_words":2,"start":42.695,"end":43.095},{"sentences":[{"text":"to read","start":42.92,"end":43.16,"sentiment":"neutral","sentiment_score":-0.03533213026821613}],"sentiment":"neutral","sentiment_score":-0.03533213026821613,"channel":0,"num_words":2,"start":42.92,"end":43.16},{"sentences":[{"text":"that,","start":43.095,"end":43.255,"sentiment":"neutral","sentiment_score":-0.0010539330542087555}],"sentiment":"neutral","sentiment_score":-0.0010539330542087555,"channel":1,"num_words":1,"start":43.095,"end":43.255},{"sentences":[{"text":"through.","start":43.16,"end":43.66,"sentiment":"neutral","sentiment_score":0.0016369447112083435}],"sentiment":"neutral","sentiment_score":0.0016369447112083435,"channel":0,"num_words":1,"start":43.16,"end":43.66},{"sentences":[{"text":"that'd be preferable because I'm also like, I'm I'm I'm free to talk, but my hands are a little busy.","start":43.255,"end":48.475002,"sentiment":"neutral","sentiment_score":-0.08717600284144282}],"sentiment":"neutral","sentiment_score":-0.08717600284144282,"channel":1,"num_words":20,"start":43.255,"end":48.475002},{"sentences":[{"text":"No.","start":49.335,"end":49.655,"sentiment":"neutral","sentiment_score":-0.09478642046451569},{"text":"That's totally fine.","start":49.655,"end":50.614998,"sentiment":"neutral","sentiment_score":-0.014350266506274542},{"text":"So what I'll do is I'll pop it through just so you've got it.","start":50.614998,"end":53.515,"sentiment":"neutral","sentiment_score":0.10578731394239835},{"text":"And I'm just using your Hotmail address, c_0.5star@Hotmail.com?","start":53.975,"end":60.32,"sentiment":"neutral","sentiment_score":0.04416488343849778}],"sentiment":"neutral","sentiment_score":0.06525016318146999,"channel":0,"num_words":26,"start":49.335,"end":60.32},{"sentences":[{"text":"Yep.","start":60.63,"end":61.13,"sentiment":"neutral","sentiment_score":0.12008851766586304}],"sentiment":"neutral","sentiment_score":0.12008851766586304,"channel":1,"num_words":1,"start":60.63,"end":61.13},{"sentences":[{"text":"Perfect.","start":61.82,"end":62.32,"sentiment":"positive","sentiment_score":0.3608732223510742},{"text":"Now just to kind of give you a bit of background context, so there's a solid nine documents coming through.","start":62.38,"end":67.58,"sentiment":"neutral","sentiment_score":0.0774783369153738},{"text":"I do apologize.","start":67.58,"end":68.4,"sentiment":"neutral","sentiment_score":-0.08772063006957372},{"text":"Whenever we do any product recommendations, we have to attach about 1,200 pages worth of product disclosure documents too.","start":68.46,"end":75.445,"sentiment":"neutral","sentiment_score":-0.02262528662226702},{"text":"So there's a statement of advice is the main one, and then some quotes, and then basically just service guides with us and product documents for the super and the insurance.","start":77.025,"end":86.15,"sentiment":"neutral","sentiment_score":0.043101502642516165}],"sentiment":"neutral","sentiment_score":0.03450735414249671,"channel":0,"num_words":74,"start":61.82,"end":86.15},{"sentences":[{"text":"So all of that will go through.","start":86.15,"end":87.689995,"sentiment":"neutral","sentiment_score":0.03859248225178037},{"text":"And your your case in your file has essentially been escalated to me as the senior adviser just to try and get you essentially retail insurance cover in line with your original discussion with us and the 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Kyle.","start":368.78998,"end":386.39502,"sentiment":"neutral","sentiment_score":0.2066645575504677},{"text":"Bear in mind that that cover amount will probably get you after tax around about a thousand dollars a week in the hands because it is","start":387.575,"end":397.09,"sentiment":"neutral","sentiment_score":0.1155437845736742}],"sentiment":"neutral","sentiment_score":0.17589650433752443,"channel":0,"num_words":77,"start":368.78998,"end":397.09},{"sentences":[{"text":"Okay.","start":396.87997,"end":397.37997,"sentiment":"neutral","sentiment_score":0.07901297509670258}],"sentiment":"neutral","sentiment_score":0.07901297509670258,"channel":1,"num_words":1,"start":396.87997,"end":397.37997},{"sentences":[{"text":"kind of gross payments.","start":397.09,"end":398.23,"sentiment":"neutral","sentiment_score":0.05582988541573286},{"text":"The maximum is 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get off with that twelve month tick off.","start":540.89996,"end":543.38,"sentiment":"positive","sentiment_score":0.33666733178225433},{"text":"It's basically just a a nonsmoker's declaration, and it's usually like a one page form.","start":543.38,"end":548.51996,"sentiment":"neutral","sentiment_score":0.06256768914560477}],"sentiment":"neutral","sentiment_score":0.17853292256880265,"channel":0,"num_words":26,"start":540.89996,"end":548.51996},{"sentences":[{"text":"Yes.","start":549.175,"end":549.675,"sentiment":"neutral","sentiment_score":0.0005222484469413757}],"sentiment":"neutral","sentiment_score":0.0005222484469413757,"channel":1,"num_words":1,"start":549.175,"end":549.675},{"sentences":[{"text":"If it's usually above 2,000, it would start to impact your super growth a little bit because of obviously your contribution rate versus the growth.","start":551.075,"end":560.195,"sentiment":"neutral","sentiment_score":-0.20999450355768204},{"text":"And if it was hitting 3,000 or above with any health based loadings, it would be hitting that unaffordable territory in","start":560.195,"end":567.81,"sentiment":"negative","sentiment_score":-0.3791396078609285}],"sentiment":"neutral","sentiment_score":-0.2872129207395989,"channel":0,"num_words":46,"start":551.075,"end":567.81},{"sentences":[{"text":"Mhmm.","start":567.79,"end":568.29,"sentiment":"neutral","sentiment_score":-0.121804878115654}],"sentiment":"neutral","sentiment_score":-0.121804878115654,"channel":1,"num_words":1,"start":567.79,"end":568.29},{"sentences":[{"text":"in my opinion.","start":567.81,"end":568.71,"sentiment":"neutral","sentiment_score":-0.09490582346916199},{"text":"So I have recommended because it was about $700 cheaper than all the other providers without skimping on any features or fine print under the 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at this point.","start":1030.285,"end":1032.81,"sentiment":"neutral","sentiment_score":0.0836749404668808}],"sentiment":"neutral","sentiment_score":0.0836749404668808,"channel":1,"num_words":10,"start":1030.285,"end":1032.81},{"sentences":[{"text":"perfect.","start":1033.52,"end":1034.02,"sentiment":"positive","sentiment_score":0.5074253082275391},{"text":"So I think it's as long as we're under 10 is easy sailing, anything above that would be a bit gray area.","start":1034.3351,"end":1040.8351,"sentiment":"neutral","sentiment_score":0.26866210624575615}],"sentiment":"neutral","sentiment_score":0.2790431150275728,"channel":0,"num_words":23,"start":1033.52,"end":1040.8351},{"sentences":[{"text":"Yes.","start":1041.3701,"end":1041.6901,"sentiment":"neutral","sentiment_score":0.15354451537132263},{"text":"For 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you receive a million dollars, how do you make it last, all that kind of thing.","start":1091.255,"end":1101.755,"sentiment":"neutral","sentiment_score":0.1585089619315806}],"sentiment":"neutral","sentiment_score":0.15876728401217663,"channel":0,"num_words":71,"start":1077.9501,"end":1101.755},{"sentences":[{"text":"Yeah.","start":1102.105,"end":1102.425,"sentiment":"neutral","sentiment_score":0.2102867215871811},{"text":"Sure.","start":1102.425,"end":1102.825,"sentiment":"neutral","sentiment_score":0.3110677897930145},{"text":"Perfect.","start":1102.825,"end":1103.325,"sentiment":"positive","sentiment_score":0.5269597768783569}],"sentiment":"positive","sentiment_score":0.3494380960861842,"channel":1,"num_words":3,"start":1102.105,"end":1103.325},{"sentences":[{"text":"Cool.","start":1103.415,"end":1103.915,"sentiment":"positive","sentiment_score":0.4476499855518341},{"text":"Outside of that, so I was going to essentially pencil in a personal statement to go through the application for you and then pencil in a bit of an annual review in twelve months to go over everything in total.","start":1104.64,"end":1118.9249,"sentiment":"neutral","sentiment_score":0.14686111686751246},{"text":"I did just wanna ask you, Cecilia, do you want me to put in any further catch ups before the end of the year or into the new year about any areas you would like to discuss?","start":1119.225,"end":1128.99,"sentiment":"neutral","sentiment_score":0.056313418506367785}],"sentiment":"neutral","sentiment_score":0.10776527108958898,"channel":0,"num_words":78,"start":1103.415,"end":1128.99},{"sentences":[{"text":"I could've sworn that could you tell me what is 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that.","start":1178.1349,"end":1188.4299,"sentiment":"neutral","sentiment_score":0.15076605359028125},{"text":"Do you","start":1188.49,"end":1188.8899,"sentiment":"neutral","sentiment_score":0.015925741754472256}],"sentiment":"neutral","sentiment_score":0.15087905147811398,"channel":0,"num_words":32,"start":1177.1749,"end":1188.8899},{"sentences":[{"text":"Mhmm.","start":1188.7949,"end":1189.2949,"sentiment":"neutral","sentiment_score":0.023159077391028404}],"sentiment":"neutral","sentiment_score":0.023159077391028404,"channel":1,"num_words":1,"start":1188.7949,"end":1189.2949},{"sentences":[{"text":"have a bit of availability for next week?","start":1188.8899,"end":1193.23,"sentiment":"neutral","sentiment_score":0.010578672401607037}],"sentiment":"neutral","sentiment_score":0.010578672401607037,"channel":0,"num_words":8,"start":1188.8899,"end":1193.23},{"sentences":[{"text":"Monday, Tuesday would be 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wish to proceed with the trauma,","start":1268.63,"end":1276.97,"sentiment":"neutral","sentiment_score":-0.11346054702035842}],"sentiment":"neutral","sentiment_score":-0.01654649785784788,"channel":0,"num_words":43,"start":1264.205,"end":1276.97},{"sentences":[{"text":"great.","start":1276.5249,"end":1277.0249,"sentiment":"neutral","sentiment_score":0.2830713987350464},{"text":"Yep.","start":1277.485,"end":1277.88,"sentiment":"neutral","sentiment_score":0.07919289916753769}],"sentiment":"neutral","sentiment_score":0.18113214895129204,"channel":1,"num_words":2,"start":1276.5249,"end":1277.88},{"sentences":[{"text":"then I will forward that to the implementation team, and we will be speaking to you 03:30 WA time next Tuesday.","start":1277.725,"end":1284.705,"sentiment":"neutral","sentiment_score":0.10308922259580522}],"sentiment":"neutral","sentiment_score":0.10308922259580522,"channel":0,"num_words":21,"start":1277.725,"end":1284.705},{"sentences":[{"text":"Sounds great.","start":1285.96,"end":1286.52,"sentiment":"positive","sentiment_score":0.7725933492183685},{"text":"Thank you so much for your call.","start":1286.52,"end":1287.9,"sentiment":"positive","sentiment_score":0.8477541037968227}],"sentiment":"positive","sentiment_score":0.8310517138904996,"channel":1,"num_words":9,"start":1285.96,"end":1287.9},{"sentences":[{"text":"You too.","start":1288.365,"end":1288.9249,"sentiment":"positive","sentiment_score":0.6534671485424042},{"text":"Have a fantastic evening, and we'll talk to you then.","start":1288.9249,"end":1291.345,"sentiment":"positive","sentiment_score":0.7299497902393342}],"sentiment":"positive","sentiment_score":0.7172026832898458,"channel":0,"num_words":12,"start":1288.365,"end":1291.345},{"sentences":[{"text":"You too.","start":1291.56,"end":1292.2,"sentiment":"positive","sentiment_score":0.38615110516548157},{"text":"Bye 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Tommy provided her with information about her case and recommends keeping her coverage at a minimum of 70%. The agent discussed the benefits of life insurance coverage for accidents and illnesses, including coverage for long term injuries and illnesses. They also discussed the cost of insurance and the possibility of income replacement after a life insurance policy is replaced. The agent provided information on the policy and the exclusions for certain insurances, and discussed the need for a written statement of advice and a projection table. They also discussed the details of the policy and the exclusions for certain insurances. The customer was advised of a lump sum medical cost of $20 a month and the possibility of revisiting the policy in a year's time."},"intents":{"segments":[{"text":"Obviously, there was some health investigations going on, and you've since had that finished. And so we've Yep. gone Yep. through the research side of things. Yep. Cool.","start_word":308,"end_word":335,"intents":[{"intent":"Provide insurance coverage for health investigations","confidence_score":0.000004276759}]},{"text":"So what I've recommended essentially is 550,000 top up of life and CPD, income protection for 70% of your income with a we had it there as a sort of ninety day waiting period, age 65 benefit period just kind of in line with that chat that you have with Kyle. Bear in mind that that cover amount will probably get you after tax around about a thousand dollars a week in the hands because it is Okay.","start_word":1051,"end_word":1128,"intents":[{"intent":"Inform about insurance coverage","confidence_score":0.0005234305}]},{"text":"of the the premiums through the super, though, with the rebates and everything that you get, it would still be under about 2,000 coming out of the super. We've gotten it down to about 1,600 per year for all of the life insurance disability and income protection. Okay.","start_word":1404,"end_word":1451,"intents":[{"intent":"Compare premiums and benefits","confidence_score":0.0017437511}]},{"text":"So I wanted to run that one by you and say, first of all, is $21 a month affordable? And do you feel like that might be valuable as a type of Valuable? Yeah. Definitely.","start_word":1914,"end_word":1948,"intents":[{"intent":"Evaluate insurance coverage options","confidence_score":0.05509933}]},{"text":"So we'll schedule essentially an annual review in, and I'll put a flag on the file to revisit that when we talk about the annual review. We'll talk about Yep. the super, how that current policy has been going, any other changes or advice, and then we'll also talk about an updated quote for that as well. Yeah.","start_word":2168,"end_word":2225,"intents":[{"intent":"Schedule annual review","confidence_score":0.63572633}]},{"text":"We'll talk about Yep. the super, how that current policy has been going, any other changes or advice, and then we'll also talk about an updated quote for that as well. Yeah.","start_word":2194,"end_word":2225,"intents":[{"intent":"Discuss policy changes","confidence_score":0.02109673}]},{"text":"We've got likely exclusion on the TPD income protection trauma for endometriosis and mental health.","start_word":2494,"end_word":2508,"intents":[{"intent":"Review and review exclusions","confidence_score":0.000054939108}]},{"text":"and we'd like to keep that hub cover in place as a bit of a baseline as well. Yep.","start_word":2671,"end_word":2689,"intents":[{"intent":"Maintain hub cover","confidence_score":0.29542026}]},{"text":"When you go through that document, there's a needs analysis, which just goes over the discussion you originally had on how we arrived at those amounts. And there's also a projection table, which basically just faxes in the premium impact on the super so you can see Mhmm. the impact that that's having over five and ten years.","start_word":2691,"end_word":2748,"intents":[{"intent":"Analyze needs and impact","confidence_score":0.03710154}]},{"text":"When you go through that document, there's a needs analysis, which just goes over the discussion you originally had on how we arrived at those amounts. And there's also a projection table, which basically just faxes in the premium impact on the super so you can see Mhmm. the impact that that's having over five and ten years. K.","start_word":2691,"end_word":2749,"intents":[{"intent":"Evaluate document impact","confidence_score":0.000070181624}]},{"text":"The amount of text in the document is quite excessive, That's Covering off on every type of insurance and all the pros and cons of each one and how they're structured, insurance advice gets a bit excessive. alright.","start_word":2763,"end_word":2800,"intents":[{"intent":"Ensure tpd coverage","confidence_score":0.000018118913}]},{"text":"I also used to work in a legal form, so that's Perfect.","start_word":2805,"end_word":2816,"intents":[{"intent":"Provide legal advice","confidence_score":0.0036430443},{"intent":"Provide legal advice","confidence_score":0.04025573}]},{"text":"It's not questions at this point, but it's it's all been good. It's I've I've gotten all of it. Perfect.","start_word":2980,"end_word":2999,"intents":[{"intent":"Provide opinion","confidence_score":0.00004505512}]},{"text":"We have included, obviously, commissions payable for applying for insurance cover.","start_word":3000,"end_word":3010,"intents":[{"intent":"Ask about coverage","confidence_score":0.000045619254}]},{"text":"I did just wanna ask you, Cecilia, do you want me to put in any further catch ups before the end of the year or into the new year about any areas you would like to discuss?","start_word":3156,"end_word":3192,"intents":[{"intent":"Schedule catch up","confidence_score":0.5259718}]},{"text":"So what we can do is we'll get the insurance applications underway. And then once all that is applied for in force, we'll have a bit of a catch up on the super and just see if we need to update anything on that side of things as well. Cool.","start_word":3265,"end_word":3314,"intents":[{"intent":"Update insurance application","confidence_score":0.14527011}]},{"text":"In terms of time frames, I will send you through a bit of an updated quote when we do the application just to remove the trauma insurance from that. Do you Mhmm.","start_word":3318,"end_word":3349,"intents":[{"intent":"Send quote","confidence_score":0.36066395}]},{"text":"So for us, we do close, like, 07:00 Queensland time, 05:00 your time. So we should have plenty of time. Usually takes no more than twenty to thirty minutes. That is perfect.","start_word":3453,"end_word":3484,"intents":[{"intent":"Close meeting","confidence_score":0.008269032}]},{"text":"What I can do is I can put in a bit of a tentative appointment on Tuesday, the twenty second at 03:30.","start_word":3486,"end_word":3507,"intents":[{"intent":"Schedule appointment","confidence_score":0.441923}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Cecilia.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.4198831915855408},{"text":"You've come through to Tommy there. How are you doing? Hey.","start_word":3,"end_word":13,"sentiment":"neutral","sentiment_score":0.30479779839515686},{"text":"Good.","start_word":14,"end_word":14,"sentiment":"positive","sentiment_score":0.3845919966697693},{"text":"How will you tell me?","start_word":15,"end_word":19,"sentiment":"neutral","sentiment_score":0.3087066411972046},{"text":"I'm doing absolutely fantastic. Thank you so much for calling back in. That's alright.","start_word":20,"end_word":33,"sentiment":"positive","sentiment_score":0.6865893006324768},{"text":"Now I've got a bit of an updated strategy to run through with you today. I'm not sure if the team let you know, but we were doing some work on the insurance side of things since you came on board. Yep. Now that you've gone through security and everything, I was just wondering if you had access to your email to look onto it with me. Yes. Me. If you don't, that's okay. I can just send it through, kind of walk you through the cliff notes, and give you If some you time could do to read that, through. that'd be preferable because I'm also like, I'm I'm I'm free to talk, but my hands are a little busy. No. That's totally fine. So what I'll do is I'll pop it through just so you've got it. And I'm just using your Hotmail address, c_0.5star@Hotmail.com? Yep.","start_word":34,"end_word":181,"sentiment":"neutral","sentiment_score":0.02490275539457798},{"text":"Perfect.","start_word":182,"end_word":182,"sentiment":"positive","sentiment_score":0.3608732223510742},{"text":"Now just to kind of give you a bit of background context, so there's a solid nine documents coming through. I do apologize. Whenever we do any product recommendations, we have to attach about 1,200 pages worth of product disclosure documents too. So there's a statement of advice is the main one, and then some quotes, and then basically just service guides with us and product documents for the super and the insurance. So all of that will go through. And your your case in your file has essentially been escalated to me as the senior adviser just to try and get you essentially retail insurance cover in line with your original discussion with us and the amounts Mhmm. that you originally wanted to obtain. Obviously, there was some health investigations going on, and you've since had that finished. And so we've Yep. gone Yep. through the research side of things. Yep. Cool. Now just to give you a couple of quick points on this document itself because you probably remember from your first one, we include a scope of advice on what we're covering, and this document is purely just insurance scope only. There's nothing in here about cash flow, debt management, superannuation changes, or anything of the like. It is really just trying to get in place that top up that you're originally aiming for. Now as a bit of a recap as well, we do have your details listed in there as well. Do you mind if I just quickly check if these details are current? Yep. Of course. Go for it.","start_word":183,"end_word":447,"sentiment":"neutral","sentiment_score":0.02667968866222029},{"text":"Perfect.","start_word":448,"end_word":448,"sentiment":"positive","sentiment_score":0.3766325116157532},{"text":"So in the about you section, we have you listed down as a teacher for the correctional centers on about 108,000 per annum. Wait. What?","start_word":449,"end_word":473,"sentiment":"neutral","sentiment_score":0.03927473723888397},{"text":"That is wildly not correct.","start_word":474,"end_word":478,"sentiment":"negative","sentiment_score":-0.46277013421058655},{"text":"Okay. Good thing to double check before I go any further. So in terms Uh-huh. of occupation title, Technical officer. Technical officer. And did Yeah. that have any linking towards correctional facilities or no? None whatsoever. I work in tertiary education, universities. Tertiary. Teacher for Thank you very much for that. Let me have a quick look. I am looking at the wrong document. I do apologize. Alright. Let me grab the correct one up. Technical officer 82000. Does that sound That more correct? sounds about right. Yes. I am so sorry. I have four screens going, and I'm usually pretty good with them. That And is still okay. I've I've been there. I've done that.","start_word":479,"end_word":594,"sentiment":"neutral","sentiment_score":-0.031793899834156036},{"text":"You've got my falsities.","start_word":595,"end_word":598,"sentiment":"negative","sentiment_score":-0.39221423864364624},{"text":"okay. I just wasn't expecting that specific job description.","start_word":599,"end_word":607,"sentiment":"neutral","sentiment_score":-0.13025102019309998},{"text":"Perfect. Well, great for us to check that up front before I went any further with it. I will So appreciate that your that.","start_word":608,"end_word":631,"sentiment":"positive","sentiment_score":0.3915789723396301},{"text":"Yep. email address, phone number hasn't changed. That's all great. We Yep. had you de facto marital status. Yep. Perfect. Did I take it? Absolutely Yep. De facto. The only real main sort of asset we had on file was motorbike kind of things. No million dollars hidden under a mattress or anything like that. correct. I wish I had Perfect. million dollars in the mattress, but I do not. Hopefully, one review that will just pop up randomly, and we can just tick off the goals as all met Not. Oh, god. That twenty would years be amazing, early. wouldn't Hey? it? That would that would be amazing. That being said, with my cats, I'm not so sure. They'd probably find them in Fair. Shredder and Caesar. Absolutely. I've got two cats and a dog, so I know exactly what you're talking about. We have your hub 24 super. And so originally, when you came on board, we put in place a little bit of life and TPD insurance, Yep. about 200,000 of each. Yep. And you were aiming for around about 750,000 to cover everything, essentially. Yes. We were also talking about you spoke with Carl about income protection, and he did mention things like trauma insurance as well just as a bit of an exploratory thing. Mhmm. That's for heart attack, stroke, and cancer, that kind of thing. Yep. Now when you go through there, we basically compare the top five providers for you, and we found that most of the providers had a pretty good occupation rating for you.","start_word":632,"end_word":894,"sentiment":"neutral","sentiment_score":0.06773999616673691},{"text":"Their feature score was all sitting around about the 78 to 82, which is pretty well the the sort of highest you can get.","start_word":895,"end_word":918,"sentiment":"positive","sentiment_score":0.33491218090057373},{"text":"There's a lot of policies that are in the sixties. Very rarely have I seen anything above 85. Yep.","start_word":919,"end_word":937,"sentiment":"neutral","sentiment_score":0.09685525298118591},{"text":"We've picked the one that had the lowest premiums for your occupation. And, basically, what we've recommended to do is go through a provider called Zurich who Mhmm. is very good with your your industry. They kind of come out the best in terms of pricing.","start_word":938,"end_word":983,"sentiment":"positive","sentiment_score":0.3890920579433441},{"text":"Yep. I have recommended two. So just to kind of swing into the health side of things a little bit, I'm recommending that we keep the 200,000 that we put in place through Hub as Yep. a kind of baseline cover because that Mhmm. kind of default group cover is not gonna get the exclusions and everything that you're expecting from your previous conversations. Yep. Sure. So what I've recommended essentially is 550,000 top up of life and CPD, income protection for 70% of your income with a we had it there as a sort of ninety day waiting period, age 65 benefit period just kind of in line with that chat that you have with Kyle. Bear in mind that that cover amount will probably get you after tax around about a thousand dollars a week in the hands because it is Okay. kind of gross payments. The maximum is 70%. Yeah. So it's 4,783 per month, and that equates to about a thousand dollars a week. Mhmm. Forget that. I I was got a little bit more the the just one second, Tommy. Yeah. It's actually pushing down a little bit on the plastic. I could see it when you took the handle down. I would take But it it's not actually touching the rubber. Oh, okay. Okay. Yeah. Sorry, Tommy. Keep going. Yep. Hold on for me. No. You're totally fine. So that cover amount will basically get you through right through to the age of 65. It works in tandem with the TPD cover. So if Mhmm. you're in a very, very long term injury or illness, you'll get your income protection. You can also claim on the lump sums, the the 550, the 200 on top of that if that gets that serious. Yes. Now just quickly on the sort of health side of things, we did have you basically quitting vaping possibly about six to twelve months ago. Does that sound about right? That does sound about right. Yeah.","start_word":984,"end_word":1318,"sentiment":"neutral","sentiment_score":0.10117037847860536},{"text":"Cool.","start_word":1319,"end_word":1319,"sentiment":"positive","sentiment_score":0.3533291816711426},{"text":"So just in case, because it had just been a little bit of time between conversations, I did quote it up as smokers' rates to see the worst case scenario. And if we get you to twelve months nicotine free, you can apply nonsmoker's rates pretty much straight away. Mhmm. Okay. What's the difference in cover and cost? So when it comes to cost, it's always around about a 50% difference. It can be Wow.","start_word":1320,"end_word":1394,"sentiment":"neutral","sentiment_score":0.07603584975004196},{"text":"quite quite hefty.","start_word":1395,"end_word":1397,"sentiment":"negative","sentiment_score":-0.6083980798721313},{"text":"Yeah. In That's terms fair. of the the premiums through the super, though, with the rebates and everything that you get, it would still be under about 2,000 coming out of the super.","start_word":1398,"end_word":1430,"sentiment":"neutral","sentiment_score":0.2050365044199156},{"text":"We've gotten it down to about 1,600 per year for all of the life insurance disability and income protection.","start_word":1431,"end_word":1449,"sentiment":"positive","sentiment_score":0.46570152044296265},{"text":"Okay. Okay. Now So 16 I usually apply that 100 for a per dozen. year, that's inclusive of the smokers. Correct. And without the smokers, it would be Probably about 900 ish. holy crap. Okay. Yep. I usually get If a bit there of wasn't a flag. a bigger if there wasn't a bigger motivation to quit, Jesus. Yeah. It's quite punishing. Smoker's race is probably one of the roughest loadings, we call them, in the industry, Mhmm. and it's Yep. very easy to get off with that twelve month tick off. It's basically just a a nonsmoker's declaration, and it's usually like a one page form. Yes. If it's usually above 2,000, it would start to impact your super growth a little bit because of obviously your contribution rate versus the growth.","start_word":1450,"end_word":1582,"sentiment":"neutral","sentiment_score":-0.051708661019802094},{"text":"And if it was hitting 3,000 or above with any health based loadings, it would be hitting that unaffordable territory in Mhmm.","start_word":1583,"end_word":1604,"sentiment":"negative","sentiment_score":-0.35726603865623474},{"text":"in my opinion. So I have recommended because it was about $700 cheaper than all the other providers without skimping on any features or fine print under the hood. Yep. I have included that too. So when it comes to the trauma insurance side of things, Carl would talk to you about possibly having a year's worth of income replacement after tax, so around about 60 Mhmm. 5,000. A bit of a lump sum if you were diagnosed with a heart attack, stroke, cancer, or a severe medical condition. Mhmm. And that can range from, you know, bacterial meningitis, organ failure, all that kind of thing. So if you think of the landscape a little bit, life insurance is pretty self explanatory. If you pass away, here's a lump sum. Disability cover is if you can never work again, and income protections if you're out of work temporarily for, you know, a few months, a few years. Yep. The trauma cover is if you get that diagnosis or for some people, I've seen the people that have a heart attack and then go back to work the next week.","start_word":1605,"end_word":1793,"sentiment":"neutral","sentiment_score":-0.006901972744830702},{"text":"Pretty serious thing has happened to them.","start_word":1794,"end_word":1800,"sentiment":"negative","sentiment_score":-0.33427226543426514},{"text":"Maybe they have to go get treatment follow ups, maybe spend a bit of time at home, but they may be straight back to work. So this is basically just a lump sum to help with medical costs, time with family, things like that. It includes cancer diagnosis as well. Now that one is the one that he would have probably mentioned to you originally is only payable out of pocket. It's not payable through the super. It is basically like a direct debit monthly premium. We have found this one to go at around about 20 about $20 a month, $21 a month out of pocket, including the Mhmm. smoker's rates. Yep. So I wanted to run that one by you and say, first of all, is $21 a month affordable? And do you feel like that might be valuable as a type of Valuable? Yeah. Definitely. I'm not actually thinking that I might invest in that now slash insurance? yet. Mhmm. I think maybe I think I need to sit and think on that one a little Yep. because there's just a little bit of a a lot of moving parts at the moment. So I'm thinking maybe not sort of committing to that right now, but it Yeah. is definitely something that I that I will be and should be considering for sure. Yep. So what we do in this case is when we get to that end of that statement of advice document, there is Mhmm. essentially, where you sign, there's an authority to proceed, and there's a text box just above it if you would like to vary any of the recommendations you would like to go ahead with. Yeah. What Okay. you can essentially just put in there is just type in there no trauma insurance or do not wish to proceed with trauma cover, and we can exclude that from the implementation.","start_word":1801,"end_word":2119,"sentiment":"neutral","sentiment_score":-0.02913316898047924},{"text":"Perfect.","start_word":2120,"end_word":2120,"sentiment":"positive","sentiment_score":0.3701002299785614},{"text":"Yep. Implementation. Okay.","start_word":2121,"end_word":2123,"sentiment":"neutral","sentiment_score":0.14560557901859283},{"text":"Sure. Perfect.","start_word":2124,"end_word":2125,"sentiment":"positive","sentiment_score":0.5823525190353394},{"text":"I think When it it comes it it sorry? if possible, Yeah. I know that I think I have a file with you guys. I think maybe if we can revisit that in a year's time, if that would be great.","start_word":2126,"end_word":2166,"sentiment":"neutral","sentiment_score":0.13254180550575256},{"text":"Absolutely.","start_word":2167,"end_word":2167,"sentiment":"positive","sentiment_score":0.42498135566711426},{"text":"So we'll schedule essentially an annual review in, and I'll put a flag on the file to revisit that when we talk about the annual review. We'll talk about Yep. the super, how that current policy has been going, any other changes or advice, and then we'll also talk about an updated quote for that as well. Yeah. I think I think I'd like that for sure. Yep.","start_word":2168,"end_word":2235,"sentiment":"neutral","sentiment_score":0.15968506038188934},{"text":"Absolutely. That's totally fine.","start_word":2236,"end_word":2239,"sentiment":"positive","sentiment_score":0.4091214537620544},{"text":"When it comes to the health side, you were expecting some exclusions based on previous discussions. Yeah. I have included here essentially all the notes that we had from the insurers because we called everybody just to get a bit of a lay of the land to find who would give you the best outcome, if that makes sense. Yeah. Now what I'm kind of looking at is standard rates for the life insurance. No issues there. We Mhmm. are looking at, obviously, the smokers' rates. That's reviewable after that twelve month period. Again, policy doesn't have to be running for twelve months. You just have to have been able to do that nonsmoker's declaration. Yep. We've got the foot that came out fine from the pre assessment you did with Caden. As far as Hashimoto's disease Yep. goes, we've got if the thyroid function test is normal, there are no concerns. If there has been no recent test, they may request a thyroid function test. I actually did a test about two months ago, and everything's looking normal. Sensational. So as long as when we go through the application, you can kind of just give Jack and the team those details. I'll put Yep. in there two months ago, thyroid test normal. They'll Yeah. just ask So you, I you did know, for I you when did that test. What month is it now? September. Yes. I did that Correct. test early August. Early August. Alright. So that will go through. No problems. We've got likely exclusion on the TPD income protection trauma for endometriosis and mental health. That'll be Mhmm. the two that will be the exclusions we're expecting. With the mental health, is there, Yep. like, a time frame or something where that is no longer an exclusionary? There is. There's two ways that we approach it. So the insurers apply, like, a ten year minimum review in Yep. terms of symptom and treatment free, Mhmm. where you essentially, everything's resolved. But there is a lot of insurers that will accept, like, a five year period as well. Okay. So Yep. what may happen is in preview and sorry. In future reviews, we may actually look at another provider if we can do that two, three, four years earlier for you. Yep. That sound okay? Cool. Yeah.","start_word":2240,"end_word":2629,"sentiment":"neutral","sentiment_score":0.01927078515291214},{"text":"Perfect.","start_word":2630,"end_word":2630,"sentiment":"positive","sentiment_score":0.4979889392852783},{"text":"I think that was pretty much everything. So couple of exclusions. We won't go with the trauma cover.","start_word":2631,"end_word":2648,"sentiment":"neutral","sentiment_score":0.05859354883432388},{"text":"Life TPD and income protection look pretty good.","start_word":2649,"end_word":2656,"sentiment":"positive","sentiment_score":0.4072769284248352},{"text":"As soon as we can do nonsmokers rates, that'd be fantastic on pricing, Mhmm. and we'd like to keep that hub cover in place as a bit of a baseline as well. Yep.","start_word":2657,"end_word":2689,"sentiment":"neutral","sentiment_score":0.22896932065486908},{"text":"Awesome.","start_word":2690,"end_word":2690,"sentiment":"positive","sentiment_score":0.4223333299160004},{"text":"When you go through that document, there's a needs analysis, which just goes over the discussion you originally had on how we arrived at those amounts. And there's also a projection table, which basically just faxes in the premium impact on the super so you can see Mhmm. the impact that that's having over five and ten years. K. Pros and cons of the cover types are in there. I do apologize. The amount of text in the document is quite excessive, That's Covering off on every type of insurance and all the pros and cons of each one and how they're structured, insurance advice gets a bit excessive. alright. I have no doubt. I also used to work in a legal form, so that's Perfect. And one thing I wanted to check with you too is just in terms of the last question I have for the occupation. fine. Yep. Lab tech usage of chemicals, I believe. Uh-huh. And we'd noted down a number of chemicals from aldehyde, a few different things there as well. I think the rating that we found was like a obviously used PPE. No heavy usage of chemicals beyond, you know, 20% of your day. It's not all just sitting in a lab in a vat of chemicals kind of thing. Yeah. That I was, can actually I think, I the can actually reduce that to about 5% at this point.","start_word":2691,"end_word":2927,"sentiment":"neutral","sentiment_score":-0.007330204089042507},{"text":"perfect.","start_word":2928,"end_word":2928,"sentiment":"positive","sentiment_score":0.5074253082275391},{"text":"So I think it's as long as we're under 10 is easy sailing, anything above that would be a bit gray area. Yes. For sure.","start_word":2929,"end_word":2953,"sentiment":"neutral","sentiment_score":0.2626599669456482},{"text":"Perfect.","start_word":2954,"end_word":2954,"sentiment":"positive","sentiment_score":0.5076470375061035},{"text":"I know I've just kind of dumped quite a lot of information at you on four types of insurances. Any questions at this point? No. It's not questions at this point, but it's it's all been good.","start_word":2955,"end_word":2991,"sentiment":"neutral","sentiment_score":0.1863339990377426},{"text":"It's I've I've gotten all of it. Perfect.","start_word":2992,"end_word":2999,"sentiment":"positive","sentiment_score":0.42763611674308777},{"text":"We have included, obviously, commissions payable for applying for insurance cover. So if you weren't Mhmm. already aware, whichever provider we go with, we get paid 66% of the first year's premiums as a commission for establishment and then Yep. 22% ongoing to look after the policy. And for Okview service, that just includes, obviously, management of the policy and further advice, but also claims assistance and claims advice. If something happens to you, we will jump in, help you get the claim through, and then also give you some advice on, you know, if you receive a million dollars, how do you make it last, all that kind of thing. Yeah. Sure.","start_word":3000,"end_word":3112,"sentiment":"neutral","sentiment_score":0.1705947071313858},{"text":"Perfect. Cool.","start_word":3113,"end_word":3114,"sentiment":"positive","sentiment_score":0.4873048961162567},{"text":"Outside of that, so I was going to essentially pencil in a personal statement to go through the application for you and then pencil in a bit of an annual review in twelve months to go over everything in total. I did just wanna ask you, Cecilia, do you want me to put in any further catch ups before the end of the year or into the new year about any areas you would like to discuss? I could've sworn that could you tell me what is it? Vukovich? Correct. Yeah. I I could've sworn we actually had a a catch up scheduled for next Actually, let me have a quick look because that might be a bit of a super month. review for Yes. yes.","start_word":3115,"end_word":3240,"sentiment":"neutral","sentiment_score":0.0827238287717577},{"text":"So you've got the it's quite an ethical portfolio I can see here in the super.","start_word":3241,"end_word":3256,"sentiment":"positive","sentiment_score":0.3833652436733246},{"text":"That And sounds about right. Yep. yep.","start_word":3257,"end_word":3263,"sentiment":"neutral","sentiment_score":0.2615252435207367},{"text":"Cool. So what we can do is we'll get the insurance applications underway.","start_word":3264,"end_word":3276,"sentiment":"positive","sentiment_score":0.3961072862148285},{"text":"And then once all that is applied for in force, we'll have a bit of a catch up on the super and just see if we need to update anything on that side of things as well.","start_word":3277,"end_word":3313,"sentiment":"neutral","sentiment_score":0.22868980467319489},{"text":"Cool. Yeah. Perfect. Alrighty.","start_word":3314,"end_word":3317,"sentiment":"positive","sentiment_score":0.4424973130226135},{"text":"In terms of time frames, I will send you through a bit of an updated quote when we do the application just to remove the trauma insurance from that. Do you Mhmm. have a bit of availability for next week? Monday, Tuesday would be good. Ideally, after 3PM my time, but I can make make it work any earlier as long as it's a Monday or Tuesday.","start_word":3318,"end_word":3384,"sentiment":"neutral","sentiment_score":0.10311371833086014},{"text":"Perfect.","start_word":3385,"end_word":3385,"sentiment":"positive","sentiment_score":0.38743820786476135},{"text":"Let me just bring up the implementation team for a quick moment. And in Perth, so we've got two hour time difference. I'll make sure I take that into account. And you said 3PM onwards? 3PM onwards, because 3PM is when I finish work. Perfect. So something like a 03:30. Would that be ideal? Yes. That would be ideal. Now, again, that's WA time. Yeah? Yes. Correct. So for us, we do close, like, 07:00 Queensland time, 05:00 your time. So we should have plenty of time. Usually takes no more than twenty to thirty minutes.","start_word":3386,"end_word":3481,"sentiment":"neutral","sentiment_score":0.12105882912874222},{"text":"That is perfect.","start_word":3482,"end_word":3484,"sentiment":"positive","sentiment_score":0.5922026634216309},{"text":"Alrighty. What I can do is I can put in a bit of a tentative appointment on Tuesday, the twenty second at 03:30. And from that point, if we need to reschedule, there is some free spots the next day as well.","start_word":3485,"end_word":3526,"sentiment":"neutral","sentiment_score":0.1259958820328826},{"text":"Sounds Perfect.","start_word":3527,"end_word":3528,"sentiment":"positive","sentiment_score":0.7418704032897949},{"text":"Alright, Cecilia. I'll leave that statement of advice document with you. Please just remember when you go to sign that, if you can please put in the authority to proceed the box that you do not wish to proceed with the trauma, great. Yep. then I will forward that to the implementation team, and we will be speaking to you 03:30 WA time next Tuesday.","start_word":3529,"end_word":3593,"sentiment":"neutral","sentiment_score":0.04420473426580429},{"text":"Sounds great. Thank you so much for your call. You too. Have a fantastic evening, and we'll talk to you then. You too.","start_word":3594,"end_word":3616,"sentiment":"positive","sentiment_score":0.7236431837081909},{"text":"Bye now.","start_word":3617,"end_word":3618,"sentiment":"neutral","sentiment_score":0.28025537729263306},{"text":"Thank you.","start_word":3619,"end_word":3620,"sentiment":"positive","sentiment_score":0.6318328976631165},{"text":"Bye.","start_word":3621,"end_word":3621,"sentiment":"neutral","sentiment_score":0.320115864276886}],"average":{"sentiment":"neutral","sentiment_score":0.07195132635227786}}}}