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Is now still a good time for you? It depends how much time you have. So I can go through, like, a brief overview, and you can have some time to read over it and then come back with any questions. Or if you've got a bit more time, it could be around that sort of thirty plus minute mark if you wanna go a bit more in-depth, have a few questions in regards to what is explained and presented. Yep. Not a problem at all. Now just before we jump into that today then, Mike, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today. Perfect. Thanks for that. And, Michael, I definitely know these calls are recorded for quality and training purposes there as well. Now I do apologize for the time it's taken to to get you this document. Obviously, there's a few business changes in the meantime, plus the the issues with the insurances as well and then the Christmas break. So that's taken a bit longer to get everything together, but it's all sorted now, and I'll let you know what it sort of come through there. But I'll be sending this via your email at Mick Armstrong nineteen eighty three. Is that still correct? Perfect. And that's at Gmail dot com. So that'll be in your inbox shortly. It sounds like you might be in the car or something like that as well. So don't feel like you have to open up while you're driving. But with this document here, we're coming by OdooSign, not the DocuSign we used regularly previously. And with that, you'll have attachments in that email. So you'll have a copy of your statement advice, the appendix, the insurance quotes within that as well, and then a PDF document for everything that was recommended. With that as well, you will have a link. And with that link, it is the signable document that includes the quotes if you're happy with everything, the ongoing service agreement if you are happy with everything, and then also the advice piece if you are happy to implement the advice as well. Now as far as the advice goes, so it is in line with best interest to you still there. So advice is we're bound by that to put you in a better position than where you currently are. As far as the advice piece itself, we're looking into superannuation, your insurances, and the estate planning side of things. As far as everything we touched on during conversation, we're not addressing currently. We're not looking at trauma insurance because you didn't wanna look at that given the the out of pocket costs. We weren't touching on your cash flow and budgeting, retirement planning, and debt management at this time. But it is something that we're aware of based on your goals and what you are working towards, but we're not making a recommendation in regards to those, if that makes sense. Perfect. There is limited advice warning just to state as above, like, we're only touching on the super insurance and estate planning side of things. Everything else we're aware of, but we're not making that recommendation. There is on page six your goals and then a brief overview of the advice. So with that, we did review your current fund, your net wealth account compared to some other alternatives. It's just worked out given the capital gains that is liable for your fund and net wealth itself. It's still like a valued product. You still got good user interface with, like, yourself if you're able to log on and have a look at your superannuation, track it, do your reporting, and have a little look and follow along. In addition to that one in terms of, like, cost and product features in the back end as well, it's still quite good. But we are recommending you do change your underlying investments with that, which I'll get on to in a bit. And then with that with the insurance side of things, now I know this was a bit of a bit of area of a concern there for you, Michael, given what did happen. But with that, we are recommending that you retain your income protection policy because that doesn't have those exclusions we're talking about during that pre assessment process, maintaining those, and then just reapplying reapplying for that life and TPD portion because the TPD you had currently is that activities daily living definition, which isn't too good versus, like, the any occupation you're eligible for there as well, which I'll touch on a little bit later as well. And then with that, setting up the beneficiary nominations for the recommended insurance, reviewing your will, making sure your power of attorney is all active and up to date as your will is part of that, which I know you do have a power of attorney in your will, in place. And just before I go into everything else there, Michael, in terms of, like, your circumstances, like your house, your car, your job, has anything changed since we sort of have been speaking over the, you know, the few months? All largely unchanged. Yeah. Because we do have your details, obviously, listed about you. Obviously, the figures may have changed slightly with you paying down from your mortgage and things like that. But these figures, they're just based on, like, the previous discussions, but that doesn't really affect the advice piece too much anywhere. Now as far as the insurance you do have, you do have that Nios cover with the life TPD and income protection. Now it's the TPD that's very concerned because as I noticed when I was reviewing your account, that ADL definition, it's not a comprehensive definition, and it means that you have to be injured to the point where you can't look after yourself for your regular and day to day activities like getting dressed, feeding yourself, things like that, which is quite a strict definition. Now I'm not too sure the conversation you had back in 2019 there, Marco, but if you were explaining the definition of, like, ADL and activities daily living, would you have taken under that recommendation back in 2019 if that was explained to you a bit more clearly? So back in 2019 when you came on board and, like, had this presented, took out the income protection and the the insurances there. Now if it was explained to you what activities and daily living means in terms of a definition you have to meet for total permanent disability, given that, you'd know, you have to not be able to feed yourself, dress yourself, those sort of activities to meet the criteria to have that payout in the event that you were injured, would you have taken out that policy or, like, accepted that recommendation? Yep. Understandable. Now my job here, basically, I'm not the one that deals with reviewing your account in the sense that as a business, they look over it and what was recommended back in 2019 versus the outcome from this advice. So my job here was to review and try and put you in a position where moving forward, your sort of for your current circumstances are adequately covered, but you still will end up with those exclusions. Exclusions, but it's better than what you currently hold with that ADL. Now following the advice, if you were to accept it there, Michael, or if you weren't to accept it, There would be a committee that looks over your account as a whole, and I'd provide you a letter of offer from the advice you did receive in 2019 and how that has affected you from your position there to now, if that makes sense. Yep. So I can answer anything in regards to the recommendation once you go through it and have a read through it and have a look over it and see if you're happy with it or not. As far as what occurs from, like, that 2019 to now and then the exclusions that will apply to the new TPD or total current disability that weren't on your current policy or wouldn't have been potentially back in 2019, as I said, they will review it and provide you that letter of outcome from that. And I'm not too sure how long that will take, but they will be doing that in the back end just so you're aware. Now in terms of your risk profile, there was no change to your risk profile. You scored high growth. You are in a high growth portfolio. We just look at maintaining that. Now in terms of the recommendation, we are recommending that you move away from the that was underperforming the active managed fund and going more of an index approach, which is cheaper, which is gonna in turn lower your investment costs that you are paying. And then with that as well, your insurance premiums there will dip slightly in terms of what you're paying overall even though the policies are separated because you are rewriting that portion and you don't have because as it gets older, it obviously gets more expensive. And then with that, it obviously the recommended fund has been performing historically better. It is cheaper. And then with that, it takes out that managed risk that was that Benelon fund that isn't performing and didn't perform and had that issue back in November with their underlying investment. So I'll be getting rid of all of that. As I said, in terms of, like, maintaining the fund, you don't have to pay a full CGT. The cost of switching investments due to Benelon being down a little bit is only around that 200, a bit under dollars when switching everything around. And then moving forward, you'll actually have a lower ongoing cost. Obviously, the risk of everything when you change investments is the time out of the market. There's no guarantee that the recommended portfolio will outperform your existing portfolio or the market scenarios that were presented in those, like, five year rolling averages because, obviously, the five years aren't gonna replicate year on year with that. Now with the main things that you do get, though, is that lower cost, better track record historically. And then with that, you're maintaining a similar allocation to the growth assets. You're just removing that manager risk, which in turn should remove some of that little bit of volatility as well and then the the market downsides have occurred recently. Perfect. And then within regards to the risk, obviously, when switching investments around, you got the time out in the market, those sort of things as well. Feel free to have a read through all that. I'm not gonna go too much into it given your time. Now in regards to the investments, on page 16, you'll be able to see what's selling down and what's purchasing in. So with the the main sell downs, you'll have Benelong, which will be gone. That's an actively managed fund. With that, the iShares Misky, which is like an exposure to Australia, Europe, and you'll be replacing that with a cheaper or well excluding The US Vanguard alternative, which is a little bit cheaper. It still has the same exposure outside The US and then across those European regions. And then you'll be just reducing your exposure slightly in the Japan market there as well. But everything else is largely staying the same because the other assets have been performing apart from Hack did have a little bit of a a backward step like your cyber security side of things, but all AI and tech companies have taken a little bit of backward step this month. But they have a bit of conviction in those moving forward still as opposed to that been along. Now in regards to the allocation there, your proposed is sort of sitting a little bit higher in terms of, like, the amount of growth assets you do hold. But, obviously, these change and switch slightly depending on how, like, they do in the market and how they perform in your portfolio, which do skew these a little bit, but you'll have more allocation to those growth assets at a cheaper cost and having that indexed approach to if the markets are doing well, your portfolio is doing well. If they're not doing too great, you sort of just follow the market. You're not picking those winners and losers, which what that management risk carries as well. You still have your defensive portions there as well with your bank hybrids, and then you'll also have your alternative goals, which is a bit of a split. You're not entirely growth or defensive with the gold. It does have the capital nature of growth, but also in those market downturns tends to go up as well because people go back to that harder currency. Any questions in regards to the investments or super side of things there, Michael? Perfect. Now the more important section, that insurance side of things, we are looking at maintaining that IP portion. It is a little bit less than what your current 70% of your current income. Now I know a lot of your income goes towards additionally paying down the mortgage. So the way to sort of bridge that gap is either you can look at sorta, you know, building up a bit more self insurance by building up a bit of a redraw on that to cover the sort of difference. There also is the option when it comes to the policy renewal if you'd like. When that does come up, you get that email the thirty days before the policy renewal. You do have the option for future increases if your income has increased above, like, what you're currently insured for, and that can go up to 15% of that without a level of underwriting. Because given that we don't wanna go through underwriting to get any more exclusions on that IP policy, we can look at doing that future increase if you'd like. But in term, we're just looking at keeping the same for now because going through a new policy, the level that you'd be applying for to bridge the gap isn't a huge amount, and it would be worth having a separate IP policy that you'd be paying for. And then we're just looking at rewriting the life and total permanent disability, And then that's for the same amount that you're currently covered for, which is in line with your your current needs given your debt, income replacement, things like that as well. And it actually comes out as a cheaper plus. Obviously, disadvantage with that. The life standard because life's life, that you will have that lower back and bilateral knee exclusion with that one given, you know, the injuries and then also the arthroscopic clean out of the other knee that was injured previously and then the sciatica. Now the risk with these, obviously, Michael, is given that it's two or three depending on if they considered bilateral or two separate exclusions, that's three. If you get four exclusions or loadings or more, there's a risk of decline. So if you haven't disclosed anything else that we aren't previously aware of during that pre assessment process, if something else does come up during that application stage, it might result in the decline because it's too at the current with the bilateral that they're considering, but it may be split that you'd have one for each knee and the back. And then if you get one more on top of that, then it would be at risk of decline. So that's one of the main risk factors there. But in saying that Yep. So with the the way they do exclusions and loadings, if you have four exclusions or loadings, like a combination of, it can be a risk of decline. Like, they don't want the policy because it's too sort of risky in terms of, like, what could occur. But in saying that now, you've got one for the back and then you've got one for your bilateral knee. So they consider it one because it's both knees if they do bilateral. But if they consider it as two separate exclusions for each knee, then you've got three. And then if anything else did come up in terms of, like, something you didn't disclose to us during that pre assessment pros like, progress process, sorry, then it may result in a decline if you didn't disclose anything that you would disclose during that application stage, if that makes sense. So, obviously, we're aware of the two knees and the the sciatica, which is those three. At a a max, it might be two if they consider it bilateral. And then if there's anything on top of that, then you're sort of getting up there and at risk of that. But, otherwise, it should be fine if it's just those. The benefits of it, even though you've got two split across two different providers, so the life and TPD would be with MetLife. It is cheaper. It would be in two separate spots, so it is a little bit more administratively a bit more annoying, but it worked out to be cheaper, more comprehensive than not only your current policy if it was in place, but it just rewriting with Neos there as well. Now with that, it's obviously not the the best circumstances, but moving forward, we wanna make sure you don't have that ADL definition on your policy. Because if you were to hurt yourself to a point where you couldn't work, but you can still, like, afford to, like, you know, dress yourself, cook, clean for yourself, care for yourself, then you still wouldn't meet the definition under your current policy. So we wanna get your policy. Even though it would have the exclusions, it's still better than the definition of your current TPD policy. TPD policy. Now in regards to that, it does show your needs analysis there and how they've come to that. Obviously, in regards to the income protection side of things, you're about a thousand dollars a month sort of off what your income would suggest being on a 100 and sixteen thousand and seventy percent of that. But as I said, you can look to do a 15% increase, which gets you a little bit closer or work on that self in which oh. $1.30. Well, given that you're still, like, covered for the the amount that you are covered for, we aren't recommending changing that. We're looking at retaining that IP portion. The options there, we can look at doing a top up to bridge the difference, or you can just look at doing that 15% increase. Now 15% increase isn't obviously gonna get you close to one like, 70% of the one thirty. But what it does, it gives you an increase that isn't gonna go through an level of underwriting, if that makes sense. Yep. So I'll give you the sort of figures and what that sort of looks like. So if you wait till the policy anniversary and do the future increase given your income, that has gone up. So currently, you're around the $5,568 as a monthly benefit if something were to happen. If you did an extra 15% of that, you're looking at, like, another $805. So there it, like, doesn't get you close to what 70% of your current income would be, but it gets you a little bit closer. So you'd be looking at around a $6,400 a month monthly benefit. Whereas if you did 70 percent of your your current income, and I'll just work out what that is. Bear with me. Then you'd be looking at more like a 7,500. So you'd still have that thousand dollar shortfall, but then the next year after that, I don't believe there is a limit. You look at doing another 15% increase as well to try and keep getting a little bit closer, and it does CPI up each year in terms of, like, the dollar figure does go up with, like, the inflationary or, like, the figure that they deem as well. But as long as you could survive off currently the 5,500, if something were to go wrong in terms of, like, paying for the the mortgage and your general expenses, it doesn't mean that you have to increase your cover. If you're comfortable if something were to go wrong that you're just on that base amount of getting the $5.50, you know, with the minus the taxes to cover, you know, your your mortgage and things like that as well, then it's more than adequate. Otherwise, we could look at doing some form of pop up cover, which would have those exclusions, if that makes sense. Well, if yeah. No. Well, I I would look at doing when it comes around that policy anniversary just because you've already got the policy, looking at doing that future increase or the circumstance increase just to to bump that up. And then if you were to rewrite, the the difference there is you're probably looking at doing just a policy for a couple of thousand dollars that would have the exclusion for the knees and then also the back as well. Currently, if you were to, like, have to go off for your your knees due to them being injured, your current policy should cover that. And it's entirely same with the back, but even if you did a top up policy, it wouldn't cover you for that because you'd have those exclusions. And then if something were to occur where you'd take both, you'd have, like, one in conjunction with the other, and then you'd just have to pay having the dual premium. So you'd probably definitely wanna do the the future increase because you're increasing it without underwriting. But it isn't till the tenth of this year that you could look at doing that. And that way yeah. Yeah. So and then you'd look at increasing that level of cover that doesn't have those exclusions, no level of underwriting, and it's more comprehensive than if you were to do look at doing a separate policy. And then that way, if you did that this year, it gets you much closer that there's only around a thousand dollar difference even based on your sort of new new income. Yeah. I'll just put a reminder in my calendar, and I'll touch base, like, just around October when that policy does set for renewal. And then we'll do that process. And when that figure comes out, we can have a bit more of a discussion around if you'd wanna look at doing another income protection policy to help top it up, if that makes sense. Because I know at the moment, you're sort of putting most of your income towards extra payments on the mortgage to get that down quicker anyway. So you probably you probably got a little bit of a redraw sitting there at the moment or some level that you could could draw down on if something were to go south. Yeah. Yeah. Yeah. Exactly. So that's like the other option is like putting more money on that to have that level of drawdown if something were to go wrong as well to also or is that sort of you're paying an extra few $100 a week towards your your mortgage or an offset account? That's sort of money aside as well that if something went wrong, you could use to somewhat fund, you know, living expenses as well, even bridge the gaps for for waiting periods for your income protection, things like that as well. Yep. Yeah. So feel free to have a read through all that as well as just like you said, there is a lot coming at you all at once, so feel free to definitely have a read through it. Now within regards to that as well as obviously benefits and disadvantages of that, the benefit is you have a more comprehensive total permanent disability definition even though you do have those exclusions, and then you're maintaining that income protection that doesn't have those exclusions, and then you're getting rid of that Neos life and TPD. And then with that, it is saving you a little bit of money at the end of the day there as well. There also is a a little bit here about life insurance through superannuation and the cost of that and how that affects, like, retirement outcomes. Obviously, it's still quite affordable given your level of income and your contributions going in now, but as you do get older, it does get more expensive, and we, you know, just like to keep an eye on that as well. It's something to be mindful of when increasing or doing separate. That's why we decided in turn not to do a top up for the income protection side of things just because income protection is the more expensive insurance, and even having a a smaller policy there can add up quite a bit in terms of that in terms of cost that you are paying out of your superannuation at the end of the day. With the beneficiary nominations, we're just saying similar to your your superannuation that you currently hold, just nominating your your son Blake there in the event anything did happen for that MetLife policy. And then they're also a little bit about wills and a power of attorney here, just reviewing those, make sure they're up to date and everything. You know, having even though if anything's amicable, having an ex partner, things like that, if something were to go wrong, ex spouses and partners and estates don't don't really mix generally. Not to say that your ex would potentially try and take anything from your your son, given that you'd probably want him to be the sole beneficiary, but, you know, money does sort of bring out the worst in people, so it's important to have those all up to date. And then in regards to if you were happy with everything, there is a disclosure for the remuneration we do receive. We do get still 66% of the upfront premiums that you do pay, which works out to be $533. Now that's not an additional cost to the premium that is disclosed there. It's just what the insurer pays us for setting up the policy, doing the application, setting it up, maintaining it. In addition to that, we do get the trailing, which is 22% of those premiums for the MetLife and policy and then 1.65 for managing of the superannuation, which all is disclosed there in terms of your ongoing fees. So it works at the around 3,300 in terms of our total remuneration, a little bit under that for what we get. And if you were happy with everything, Michael, we'd change the underlying investments in the background for you. We'd get you booked in for that application process to do those insurances and get that all sorted. Once that was done there, we would look at removing the life and TBD portion from that Neos cover. We wouldn't do that before we got your cover in place because we don't wanna look at getting rid of that and leaving you under insured in the meantime. And then in regards to the beneficiaries and seeing up here or reviewing real, sorry, and the power of attorney, that is up to you and your your own time. We can obviously send you the forms, but I can't force you to go see a solicitor and revise your will. But, obviously, it's a lot of information coming at you quite quickly there, Michael, in terms of everything. But do you have any questions currently? Obviously, I was a bit sort of stretched for for time there to try and get through everything with you, but anything else that jumps out that you wanted to have a chat about? Yep. No. In terms of, like, cost wise, you're actually saving on investment costs with the recommended update. You do pay a little bit with the capital gains and switching up those few investments, but only a few $100. And then in terms of, like, the cost of the premiums for insurances, it actually dropped a little bit overall as well. Even though as I said, you do get those exclusions on the policy, overall, you're paying paying less, and you do have a more comprehensive definition for your total permanent disability. It just means that those the knees and the lower back are excluded on that policy. Yep. So those are the the key differences. Yeah. So overall, you'd probably save around $5.40 ish dollars in terms of, like, the costs ongoing from what you save on the insurances and then also the investment fees there as well. Perfect. Okay. Do you want some time, like, when we put a hold on it a little bit until you've had a chance to read through it and make sure you are happy with everything, come back with any questions you might have? Yep. Not a problem. If you do have any questions or come back with anything, there is a quite simple piece of advice at the end of the day there, Michael, in terms of, like, retraining your super, doing a little update with the investments, getting you the life and TPD portion that you, like, will be able to potentially claim on the future as opposed to ADL definition. Those, pardon me, are the key changes with that one. From there, obviously, we'll be in touch, or I can even book in a time to go through that personal statement for the insurances. Is there a time that sort of best suits you sort of maybe end of this week, start of next week? The the personal statement just for the insurances applying for that new cover even sometime even the same time next week maybe potentially? Yep. I'll chuck that down. And then if you do have any questions from, like, the document having a look through that in the meantime, if you do have happen to have a look over over the weekend, feel free to just let them know during that booking, and I can probably maybe spare a few minutes to jump on and answer any questions you might have. No problems, Michael. Well, thanks for your time this afternoon. I hope you enjoy the rest of your afternoon, and then we yeah. We'll we'll chat soon. Thanks, mate. 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afternoon, Michael. It's Carl calling from ICU Financial. How are you today? Yeah. Not too bad at all.\n\nI've got you scheduled in to go through that statement advice piece this afternoon. Is now still a good time for you? It depends how much time you have. So I can go through, like, a brief overview, and you can have some time to read over it and then come back with any questions. Or if you've got a bit more time, it could be around that sort of thirty plus minute mark if you wanna go a bit more in-depth, have a few questions in regards to what is explained and presented.\n\nYep. Not a problem at all. Now just before we jump into that today then, Mike, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today. Perfect. Thanks for that.\n\nAnd, Michael, I definitely know these calls are recorded for quality and training purposes there as well. Now I do apologize for the time it's taken to to get you this document. Obviously, there's a few business changes in the meantime, plus the the issues with the insurances as well and then the Christmas break. So that's taken a bit longer to get everything together, but it's all sorted now, and I'll let you know what it sort of come through there. But I'll be sending this via your email at Mick Armstrong nineteen eighty three.\n\nIs that still correct? Perfect. And that's at Gmail dot com. So that'll be in your inbox shortly. It sounds like you might be in the car or something like that as well.\n\nSo don't feel like you have to open up while you're driving. But with this document here, we're coming by OdooSign, not the DocuSign we used regularly previously. And with that, you'll have attachments in that email. So you'll have a copy of your statement advice, the appendix, the insurance quotes within that as well, and then a PDF document for everything that was recommended. With that as well, you will have a link.\n\nAnd with that link, it is the signable document that includes the quotes if you're happy with everything, the ongoing service agreement if you are happy with everything, and then also the advice piece if you are happy to implement the advice as well. Now as far as the advice goes, so it is in line with best interest to you still there. So advice is we're bound by that to put you in a better position than where you currently are. As far as the advice piece itself, we're looking into superannuation, your insurances, and the estate planning side of things. As far as everything we touched on during conversation, we're not addressing currently.\n\nWe're not looking at trauma insurance because you didn't wanna look at that given the the out of pocket costs. We weren't touching on your cash flow and budgeting, retirement planning, and debt management at this time. But it is something that we're aware of based on your goals and what you are working towards, but we're not making a recommendation in regards to those, if that makes sense. Perfect. There is limited advice warning just to state as above, like, we're only touching on the super insurance and estate planning side of things.\n\nEverything else we're aware of, but we're not making that recommendation. There is on page six your goals and then a brief overview of the advice. So with that, we did review your current fund, your net wealth account compared to some other alternatives. It's just worked out given the capital gains that is liable for your fund and net wealth itself. It's still like a valued product.\n\nYou still got good user interface with, like, yourself if you're able to log on and have a look at your superannuation, track it, do your reporting, and have a little look and follow along. In addition to that one in terms of, like, cost and product features in the back end as well, it's still quite good. But we are recommending you do change your underlying investments with that, which I'll get on to in a bit. And then with that with the insurance side of things, now I know this was a bit of a bit of area of a concern there for you, Michael, given what did happen. But with that, we are recommending that you retain your income protection policy because that doesn't have those exclusions we're talking about during that pre assessment process, maintaining those, and then just reapplying reapplying for that life and TPD portion because the TPD you had currently is that activities daily living definition, which isn't too good versus, like, the any occupation you're eligible for there as well, which I'll touch on a little bit later as well.\n\nAnd then with that, setting up the beneficiary nominations for the recommended insurance, reviewing your will, making sure your power of attorney is all active and up to date as your will is part of that, which I know you do have a power of attorney in your will, in place. And just before I go into everything else there, Michael, in terms of, like, your circumstances, like your house, your car, your job, has anything changed since we sort of have been speaking over the, you know, the few months? All largely unchanged. Yeah. Because we do have your details, obviously, listed about you.\n\nObviously, the figures may have changed slightly with you paying down from your mortgage and things like that. But these figures, they're just based on, like, the previous discussions, but that doesn't really affect the advice piece too much anywhere. Now as far as the insurance you do have, you do have that Nios cover with the life TPD and income protection. Now it's the TPD that's very concerned because as I noticed when I was reviewing your account, that ADL definition, it's not a comprehensive definition, and it means that you have to be injured to the point where you can't look after yourself for your regular and day to day activities like getting dressed, feeding yourself, things like that, which is quite a strict definition. Now I'm not too sure the conversation you had back in 2019 there, Marco, but if you were explaining the definition of, like, ADL and activities daily living, would you have taken under that recommendation back in 2019 if that was explained to you a bit more clearly?\n\nSo back in 2019 when you came on board and, like, had this presented, took out the income protection and the the insurances there. Now if it was explained to you what activities and daily living means in terms of a definition you have to meet for total permanent disability, given that, you'd know, you have to not be able to feed yourself, dress yourself, those sort of activities to meet the criteria to have that payout in the event that you were injured, would you have taken out that policy or, like, accepted that recommendation? Yep. Understandable. Now my job here, basically, I'm not the one that deals with reviewing your account in the sense that as a business, they look over it and what was recommended back in 2019 versus the outcome from this advice.\n\nSo my job here was to review and try and put you in a position where moving forward, your sort of for your current circumstances are adequately covered, but you still will end up with those exclusions. Exclusions, but it's better than what you currently hold with that ADL. Now following the advice, if you were to accept it there, Michael, or if you weren't to accept it, There would be a committee that looks over your account as a whole, and I'd provide you a letter of offer from the advice you did receive in 2019 and how that has affected you from your position there to now, if that makes sense. Yep. So I can answer anything in regards to the recommendation once you go through it and have a read through it and have a look over it and see if you're happy with it or not.\n\nAs far as what occurs from, like, that 2019 to now and then the exclusions that will apply to the new TPD or total current disability that weren't on your current policy or wouldn't have been potentially back in 2019, as I said, they will review it and provide you that letter of outcome from that. And I'm not too sure how long that will take, but they will be doing that in the back end just so you're aware. Now in terms of your risk profile, there was no change to your risk profile. You scored high growth. You are in a high growth portfolio.\n\nWe just look at maintaining that. Now in terms of the recommendation, we are recommending that you move away from the that was underperforming the active managed fund and going more of an index approach, which is cheaper, which is gonna in turn lower your investment costs that you are paying. And then with that as well, your insurance premiums there will dip slightly in terms of what you're paying overall even though the policies are separated because you are rewriting that portion and you don't have because as it gets older, it obviously gets more expensive. And then with that, it obviously the recommended fund has been performing historically better. It is cheaper.\n\nAnd then with that, it takes out that managed risk that was that Benelon fund that isn't performing and didn't perform and had that issue back in November with their underlying investment. So I'll be getting rid of all of that. As I said, in terms of, like, maintaining the fund, you don't have to pay a full CGT. The cost of switching investments due to Benelon being down a little bit is only around that 200, a bit under dollars when switching everything around. And then moving forward, you'll actually have a lower ongoing cost.\n\nObviously, the risk of everything when you change investments is the time out of the market. There's no guarantee that the recommended portfolio will outperform your existing portfolio or the market scenarios that were presented in those, like, five year rolling averages because, obviously, the five years aren't gonna replicate year on year with that. Now with the main things that you do get, though, is that lower cost, better track record historically. And then with that, you're maintaining a similar allocation to the growth assets. You're just removing that manager risk, which in turn should remove some of that little bit of volatility as well and then the the market downsides have occurred recently.\n\nPerfect. And then within regards to the risk, obviously, when switching investments around, you got the time out in the market, those sort of things as well. Feel free to have a read through all that. I'm not gonna go too much into it given your time. Now in regards to the investments, on page 16, you'll be able to see what's selling down and what's purchasing in.\n\nSo with the the main sell downs, you'll have Benelong, which will be gone. That's an actively managed fund. With that, the iShares Misky, which is like an exposure to Australia, Europe, and you'll be replacing that with a cheaper or well excluding The US Vanguard alternative, which is a little bit cheaper. It still has the same exposure outside The US and then across those European regions. And then you'll be just reducing your exposure slightly in the Japan market there as well.\n\nBut everything else is largely staying the same because the other assets have been performing apart from Hack did have a little bit of a a backward step like your cyber security side of things, but all AI and tech companies have taken a little bit of backward step this month. But they have a bit of conviction in those moving forward still as opposed to that been along. Now in regards to the allocation there, your proposed is sort of sitting a little bit higher in terms of, like, the amount of growth assets you do hold. But, obviously, these change and switch slightly depending on how, like, they do in the market and how they perform in your portfolio, which do skew these a little bit, but you'll have more allocation to those growth assets at a cheaper cost and having that indexed approach to if the markets are doing well, your portfolio is doing well. If they're not doing too great, you sort of just follow the market.\n\nYou're not picking those winners and losers, which what that management risk carries as well. You still have your defensive portions there as well with your bank hybrids, and then you'll also have your alternative goals, which is a bit of a split. You're not entirely growth or defensive with the gold. It does have the capital nature of growth, but also in those market downturns tends to go up as well because people go back to that harder currency. Any questions in regards to the investments or super side of things there, Michael?\n\nPerfect. Now the more important section, that insurance side of things, we are looking at maintaining that IP portion. It is a little bit less than what your current 70% of your current income. Now I know a lot of your income goes towards additionally paying down the mortgage. So the way to sort of bridge that gap is either you can look at sorta, you know, building up a bit more self insurance by building up a bit of a redraw on that to cover the sort of difference.\n\nThere also is the option when it comes to the policy renewal if you'd like. When that does come up, you get that email the thirty days before the policy renewal. You do have the option for future increases if your income has increased above, like, what you're currently insured for, and that can go up to 15% of that without a level of underwriting. Because given that we don't wanna go through underwriting to get any more exclusions on that IP policy, we can look at doing that future increase if you'd like. But in term, we're just looking at keeping the same for now because going through a new policy, the level that you'd be applying for to bridge the gap isn't a huge amount, and it would be worth having a separate IP policy that you'd be paying for.\n\nAnd then we're just looking at rewriting the life and total permanent disability, And then that's for the same amount that you're currently covered for, which is in line with your your current needs given your debt, income replacement, things like that as well. And it actually comes out as a cheaper plus. Obviously, disadvantage with that. The life standard because life's life, that you will have that lower back and bilateral knee exclusion with that one given, you know, the injuries and then also the arthroscopic clean out of the other knee that was injured previously and then the sciatica. Now the risk with these, obviously, Michael, is given that it's two or three depending on if they considered bilateral or two separate exclusions, that's three.\n\nIf you get four exclusions or loadings or more, there's a risk of decline. So if you haven't disclosed anything else that we aren't previously aware of during that pre assessment process, if something else does come up during that application stage, it might result in the decline because it's too at the current with the bilateral that they're considering, but it may be split that you'd have one for each knee and the back. And then if you get one more on top of that, then it would be at risk of decline. So that's one of the main risk factors there. But in saying that Yep.\n\nSo with the the way they do exclusions and loadings, if you have four exclusions or loadings, like a combination of, it can be a risk of decline. Like, they don't want the policy because it's too sort of risky in terms of, like, what could occur. But in saying that now, you've got one for the back and then you've got one for your bilateral knee. So they consider it one because it's both knees if they do bilateral. But if they consider it as two separate exclusions for each knee, then you've got three.\n\nAnd then if anything else did come up in terms of, like, something you didn't disclose to us during that pre assessment pros like, progress process, sorry, then it may result in a decline if you didn't disclose anything that you would disclose during that application stage, if that makes sense. So, obviously, we're aware of the two knees and the the sciatica, which is those three. At a a max, it might be two if they consider it bilateral. And then if there's anything on top of that, then you're sort of getting up there and at risk of that. But, otherwise, it should be fine if it's just those.\n\nThe benefits of it, even though you've got two split across two different providers, so the life and TPD would be with MetLife. It is cheaper. It would be in two separate spots, so it is a little bit more administratively a bit more annoying, but it worked out to be cheaper, more comprehensive than not only your current policy if it was in place, but it just rewriting with Neos there as well. Now with that, it's obviously not the the best circumstances, but moving forward, we wanna make sure you don't have that ADL definition on your policy. Because if you were to hurt yourself to a point where you couldn't work, but you can still, like, afford to, like, you know, dress yourself, cook, clean for yourself, care for yourself, then you still wouldn't meet the definition under your current policy.\n\nSo we wanna get your policy. Even though it would have the exclusions, it's still better than the definition of your current TPD policy. TPD policy. Now in regards to that, it does show your needs analysis there and how they've come to that. Obviously, in regards to the income protection side of things, you're about a thousand dollars a month sort of off what your income would suggest being on a 100 and sixteen thousand and seventy percent of that.\n\nBut as I said, you can look to do a 15% increase, which gets you a little bit closer or work on that self in which oh. $1.30. Well, given that you're still, like, covered for the the amount that you are covered for, we aren't recommending changing that. We're looking at retaining that IP portion. The options there, we can look at doing a top up to bridge the difference, or you can just look at doing that 15% increase.\n\nNow 15% increase isn't obviously gonna get you close to one like, 70% of the one thirty. But what it does, it gives you an increase that isn't gonna go through an level of underwriting, if that makes sense. Yep. So I'll give you the sort of figures and what that sort of looks like. So if you wait till the policy anniversary and do the future increase given your income, that has gone up.\n\nSo currently, you're around the $5,568 as a monthly benefit if something were to happen. If you did an extra 15% of that, you're looking at, like, another $805. So there it, like, doesn't get you close to what 70% of your current income would be, but it gets you a little bit closer. So you'd be looking at around a $6,400 a month monthly benefit. Whereas if you did 70 percent of your your current income, and I'll just work out what that is.\n\nBear with me. Then you'd be looking at more like a 7,500. So you'd still have that thousand dollar shortfall, but then the next year after that, I don't believe there is a limit. You look at doing another 15% increase as well to try and keep getting a little bit closer, and it does CPI up each year in terms of, like, the dollar figure does go up with, like, the inflationary or, like, the figure that they deem as well. But as long as you could survive off currently the 5,500, if something were to go wrong in terms of, like, paying for the the mortgage and your general expenses, it doesn't mean that you have to increase your cover.\n\nIf you're comfortable if something were to go wrong that you're just on that base amount of getting the $5.50, you know, with the minus the taxes to cover, you know, your your mortgage and things like that as well, then it's more than adequate. Otherwise, we could look at doing some form of pop up cover, which would have those exclusions, if that makes sense. Well, if yeah. No. Well, I I would look at doing when it comes around that policy anniversary just because you've already got the policy, looking at doing that future increase or the circumstance increase just to to bump that up.\n\nAnd then if you were to rewrite, the the difference there is you're probably looking at doing just a policy for a couple of thousand dollars that would have the exclusion for the knees and then also the back as well. Currently, if you were to, like, have to go off for your your knees due to them being injured, your current policy should cover that. And it's entirely same with the back, but even if you did a top up policy, it wouldn't cover you for that because you'd have those exclusions. And then if something were to occur where you'd take both, you'd have, like, one in conjunction with the other, and then you'd just have to pay having the dual premium. So you'd probably definitely wanna do the the future increase because you're increasing it without underwriting.\n\nBut it isn't till the tenth of this year that you could look at doing that. And that way yeah. Yeah. So and then you'd look at increasing that level of cover that doesn't have those exclusions, no level of underwriting, and it's more comprehensive than if you were to do look at doing a separate policy. And then that way, if you did that this year, it gets you much closer that there's only around a thousand dollar difference even based on your sort of new new income.\n\nYeah. I'll just put a reminder in my calendar, and I'll touch base, like, just around October when that policy does set for renewal. And then we'll do that process. And when that figure comes out, we can have a bit more of a discussion around if you'd wanna look at doing another income protection policy to help top it up, if that makes sense. Because I know at the moment, you're sort of putting most of your income towards extra payments on the mortgage to get that down quicker anyway.\n\nSo you probably you probably got a little bit of a redraw sitting there at the moment or some level that you could could draw down on if something were to go south. Yeah. Yeah. Yeah. Exactly.\n\nSo that's like the other option is like putting more money on that to have that level of drawdown if something were to go wrong as well to also or is that sort of you're paying an extra few $100 a week towards your your mortgage or an offset account? That's sort of money aside as well that if something went wrong, you could use to somewhat fund, you know, living expenses as well, even bridge the gaps for for waiting periods for your income protection, things like that as well. Yep. Yeah. So feel free to have a read through all that as well as just like you said, there is a lot coming at you all at once, so feel free to definitely have a read through it.\n\nNow within regards to that as well as obviously benefits and disadvantages of that, the benefit is you have a more comprehensive total permanent disability definition even though you do have those exclusions, and then you're maintaining that income protection that doesn't have those exclusions, and then you're getting rid of that Neos life and TPD. And then with that, it is saving you a little bit of money at the end of the day there as well. There also is a a little bit here about life insurance through superannuation and the cost of that and how that affects, like, retirement outcomes. Obviously, it's still quite affordable given your level of income and your contributions going in now, but as you do get older, it does get more expensive, and we, you know, just like to keep an eye on that as well. It's something to be mindful of when increasing or doing separate.\n\nThat's why we decided in turn not to do a top up for the income protection side of things just because income protection is the more expensive insurance, and even having a a smaller policy there can add up quite a bit in terms of that in terms of cost that you are paying out of your superannuation at the end of the day. With the beneficiary nominations, we're just saying similar to your your superannuation that you currently hold, just nominating your your son Blake there in the event anything did happen for that MetLife policy. And then they're also a little bit about wills and a power of attorney here, just reviewing those, make sure they're up to date and everything. You know, having even though if anything's amicable, having an ex partner, things like that, if something were to go wrong, ex spouses and partners and estates don't don't really mix generally. Not to say that your ex would potentially try and take anything from your your son, given that you'd probably want him to be the sole beneficiary, but, you know, money does sort of bring out the worst in people, so it's important to have those all up to date.\n\nAnd then in regards to if you were happy with everything, there is a disclosure for the remuneration we do receive. We do get still 66% of the upfront premiums that you do pay, which works out to be $533. Now that's not an additional cost to the premium that is disclosed there. It's just what the insurer pays us for setting up the policy, doing the application, setting it up, maintaining it. In addition to that, we do get the trailing, which is 22% of those premiums for the MetLife and policy and then 1.65 for managing of the superannuation, which all is disclosed there in terms of your ongoing fees.\n\nSo it works at the around 3,300 in terms of our total remuneration, a little bit under that for what we get. And if you were happy with everything, Michael, we'd change the underlying investments in the background for you. We'd get you booked in for that application process to do those insurances and get that all sorted. Once that was done there, we would look at removing the life and TBD portion from that Neos cover. We wouldn't do that before we got your cover in place because we don't wanna look at getting rid of that and leaving you under insured in the meantime.\n\nAnd then in regards to the beneficiaries and seeing up here or reviewing real, sorry, and the power of attorney, that is up to you and your your own time. We can obviously send you the forms, but I can't force you to go see a solicitor and revise your will. But, obviously, it's a lot of information coming at you quite quickly there, Michael, in terms of everything. But do you have any questions currently? Obviously, I was a bit sort of stretched for for time there to try and get through everything with you, but anything else that jumps out that you wanted to have a chat about?\n\nYep. No. In terms of, like, cost wise, you're actually saving on investment costs with the recommended update. You do pay a little bit with the capital gains and switching up those few investments, but only a few $100. And then in terms of, like, the cost of the premiums for insurances, it actually dropped a little bit overall as well.\n\nEven though as I said, you do get those exclusions on the policy, overall, you're paying paying less, and you do have a more comprehensive definition for your total permanent disability. It just means that those the knees and the lower back are excluded on that policy. Yep. So those are the the key differences. Yeah.\n\nSo overall, you'd probably save around $5.40 ish dollars in terms of, like, the costs ongoing from what you save on the insurances and then also the investment fees there as well. Perfect. Okay. Do you want some time, like, when we put a hold on it a little bit until you've had a chance to read through it and make sure you are happy with everything, come back with any questions you might have? Yep.\n\nNot a problem. If you do have any questions or come back with anything, there is a quite simple piece of advice at the end of the day there, Michael, in terms of, like, retraining your super, doing a little update with the investments, getting you the life and TPD portion that you, like, will be able to potentially claim on the future as opposed to ADL definition. Those, pardon me, are the key changes with that one. From there, obviously, we'll be in touch, or I can even book in a time to go through that personal statement for the insurances. Is there a time that sort of best suits you sort of maybe end of this week, start of next week?\n\nThe the personal statement just for the insurances applying for that new cover even sometime even the same time next week maybe potentially? Yep. I'll chuck that down. And then if you do have any questions from, like, the document having a look through that in the meantime, if you do have happen to have a look over over the weekend, feel free to just let them know during that booking, and I can probably maybe spare a few minutes to jump on and answer any questions you might have. No problems, Michael.\n\nWell, thanks for your time this afternoon. I hope you enjoy the rest of your afternoon, and then we yeah. We'll we'll chat soon. Thanks, mate. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Michael.","start":2.56,"end":3.4399998,"sentiment":"positive","sentiment_score":0.3556581437587738},{"text":"It's Carl calling from ICU Financial.","start":3.4399998,"end":5.12,"sentiment":"neutral","sentiment_score":0.2613329291343689},{"text":"How are you today?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.315444678068161},{"text":"Yeah.","start":8.24,"end":8.48,"sentiment":"neutral","sentiment_score":0.2569187879562378},{"text":"Not too bad at all.","start":8.48,"end":9.36,"sentiment":"neutral","sentiment_score":0.29129173755645754}],"sentiment":"neutral","sentiment_score":0.2952699049523002,"num_words":19,"start":2.56,"end":9.36},{"sentences":[{"text":"I've got you scheduled in to go through that statement advice piece this afternoon.","start":9.36,"end":12.795,"sentiment":"positive","sentiment_score":0.3759030039821352},{"text":"Is now still a good time for you?","start":12.795,"end":17.915,"sentiment":"neutral","sentiment_score":0.28266917332075536},{"text":"It depends how much time you have.","start":18.795,"end":20.635,"sentiment":"neutral","sentiment_score":0.008127957050289427},{"text":"So I can go through, like, a brief overview, and you can have some time to read over it and then come back with any questions.","start":20.635,"end":25.915,"sentiment":"neutral","sentiment_score":0.10434990347577976},{"text":"Or if you've got a bit more time, it could be around that sort of thirty plus minute mark if you wanna go a bit more in-depth, have a few questions in regards to what is explained and presented.","start":25.915,"end":34.47,"sentiment":"neutral","sentiment_score":0.06503609625192788}],"sentiment":"neutral","sentiment_score":0.13649357857301514,"num_words":94,"start":9.36,"end":34.47},{"sentences":[{"text":"Yep.","start":38.29,"end":38.690002,"sentiment":"neutral","sentiment_score":0.2146916091442108},{"text":"Not a problem at all.","start":38.690002,"end":39.91,"sentiment":"neutral","sentiment_score":0.2855371743440628},{"text":"Now just before we jump into that today then, Mike, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today.","start":40.37,"end":46.965,"sentiment":"neutral","sentiment_score":0.11146364076172605},{"text":"Perfect.","start":57.665,"end":58.065,"sentiment":"neutral","sentiment_score":0.2807322144508362},{"text":"Thanks for that.","start":58.065,"end":58.51,"sentiment":"positive","sentiment_score":0.5182454586029053}],"sentiment":"neutral","sentiment_score":0.16517295129597187,"num_words":44,"start":38.29,"end":58.51},{"sentences":[{"text":"And, Michael, I definitely know these calls are recorded for quality and training purposes there as well.","start":58.51,"end":62.289997,"sentiment":"neutral","sentiment_score":0.1376004604732289},{"text":"Now I do apologize for the time it's taken to to get you this document.","start":62.51,"end":65.79,"sentiment":"neutral","sentiment_score":-0.17136365125576655},{"text":"Obviously, there's a few business changes in the meantime, plus the the issues with the insurances as well and then the Christmas break.","start":65.79,"end":71.31,"sentiment":"neutral","sentiment_score":-0.16919239124526148},{"text":"So that's taken a bit longer to get everything together, but it's all sorted now, and I'll let you know what it sort of come through there.","start":71.31,"end":77.745,"sentiment":"neutral","sentiment_score":-0.040116955474432975},{"text":"But I'll be sending this via your email at Mick Armstrong nineteen eighty three.","start":77.745,"end":82.725006,"sentiment":"neutral","sentiment_score":0.07480959328157562}],"sentiment":"neutral","sentiment_score":-0.04331766074271096,"num_words":96,"start":58.51,"end":82.725006},{"sentences":[{"text":"Is that still correct?","start":82.785,"end":83.925,"sentiment":"neutral","sentiment_score":0.07868039701133966},{"text":"Perfect.","start":86.705,"end":87.105,"sentiment":"positive","sentiment_score":0.35754889249801636},{"text":"And that's at Gmail dot com.","start":87.105,"end":88.520004,"sentiment":"neutral","sentiment_score":0.1934355472524961},{"text":"So that'll be in your inbox shortly.","start":88.520004,"end":90.28,"sentiment":"neutral","sentiment_score":0.23891122213431767},{"text":"It sounds like you might be in the car or something like that as well.","start":90.28,"end":92.94,"sentiment":"neutral","sentiment_score":0.07495137726267179}],"sentiment":"neutral","sentiment_score":0.1402888781193531,"num_words":33,"start":82.785,"end":92.94},{"sentences":[{"text":"So don't feel like you have to open up while you're driving.","start":93.48,"end":95.64,"sentiment":"neutral","sentiment_score":-0.01920566145175447},{"text":"But with this document here, we're coming by OdooSign, not the DocuSign we used regularly previously.","start":95.64,"end":100.94,"sentiment":"neutral","sentiment_score":0.07406660658307374},{"text":"And with that, you'll have attachments in that email.","start":102.12,"end":105.33501,"sentiment":"neutral","sentiment_score":0.07757442341082627},{"text":"So you'll have a copy of your statement advice, the appendix, the insurance quotes within that as well, and then a PDF document for everything that was recommended.","start":105.33501,"end":112.875,"sentiment":"neutral","sentiment_score":0.18834939199898923},{"text":"With that as well, you will have a link.","start":113.33501,"end":115.33501,"sentiment":"neutral","sentiment_score":0.21200531058841282}],"sentiment":"neutral","sentiment_score":0.11938646418747266,"num_words":74,"start":93.48,"end":115.33501},{"sentences":[{"text":"And with that link, it is the signable document that includes the quotes if you're happy with everything, the ongoing service agreement if you are happy with everything, and then also the advice piece if you are happy to implement the advice as well.","start":115.33501,"end":126.270004,"sentiment":"neutral","sentiment_score":0.3194414929232814},{"text":"Now as far as the advice goes, so it is in line with best interest to you still there.","start":126.490005,"end":131.305,"sentiment":"positive","sentiment_score":0.3819824308156967},{"text":"So advice is we're bound by that to put you in a better position than where you currently are.","start":131.305,"end":135.405,"sentiment":"positive","sentiment_score":0.4345951535199818},{"text":"As far as the advice piece itself, we're looking into superannuation, your insurances, and the estate planning side of things.","start":135.465,"end":141.405,"sentiment":"neutral","sentiment_score":0.07638524640351534},{"text":"As far as everything we touched on during conversation, we're not addressing currently.","start":141.545,"end":145.74,"sentiment":"neutral","sentiment_score":-0.10634093043895868}],"sentiment":"neutral","sentiment_score":0.2583971532466619,"num_words":115,"start":115.33501,"end":145.74},{"sentences":[{"text":"We're not looking at trauma insurance because you didn't wanna look at that given the the out of pocket costs.","start":145.96,"end":150.28,"sentiment":"neutral","sentiment_score":-0.2792351096868515},{"text":"We weren't touching on your cash flow and budgeting, retirement planning, and debt management at this time.","start":150.28,"end":155.16,"sentiment":"neutral","sentiment_score":-0.2282676512704176},{"text":"But it is something that we're aware of based on your goals and what you are working towards, but we're not making a recommendation in regards to those, if that makes sense.","start":155.16,"end":162.10501,"sentiment":"neutral","sentiment_score":-0.16240762220695615},{"text":"Perfect.","start":164.325,"end":164.825,"sentiment":"neutral","sentiment_score":0.29223859310150146},{"text":"There is limited advice warning just to state as above, like, we're only touching on the super insurance and estate planning side of things.","start":164.88501,"end":171.205,"sentiment":"neutral","sentiment_score":-0.07687463735540707}],"sentiment":"neutral","sentiment_score":-0.1725005199934574,"num_words":94,"start":145.96,"end":171.205},{"sentences":[{"text":"Everything else we're aware of, but we're not making that recommendation.","start":171.205,"end":174.14,"sentiment":"neutral","sentiment_score":-0.1597116765650836},{"text":"There is on page six your goals and then a brief overview of the advice.","start":174.52,"end":178.2,"sentiment":"neutral","sentiment_score":0.018893871208031973},{"text":"So with that, we did review your current fund, your net wealth account compared to some other alternatives.","start":178.2,"end":183.64,"sentiment":"neutral","sentiment_score":0.11364176186422507},{"text":"It's just worked out given the capital gains that is liable for your fund and net wealth itself.","start":183.64,"end":187.575,"sentiment":"neutral","sentiment_score":0.1624084615872966},{"text":"It's still like a valued product.","start":187.575,"end":189.015,"sentiment":"positive","sentiment_score":0.42545418441295624}],"sentiment":"neutral","sentiment_score":0.08894424638984834,"num_words":68,"start":171.205,"end":189.015},{"sentences":[{"text":"You still got good user interface with, like, yourself if you're able to log on and have a look at your superannuation, track it, do your reporting, and have a little look and follow along.","start":189.015,"end":197.675,"sentiment":"positive","sentiment_score":0.34264777089868276},{"text":"In addition to that one in terms of, like, cost and product features in the back end as well, it's still quite good.","start":197.975,"end":202.74,"sentiment":"positive","sentiment_score":0.5243549463541611},{"text":"But we are recommending you do change your underlying investments with that, which I'll get on to in a bit.","start":203.52,"end":207.78,"sentiment":"neutral","sentiment_score":0.21423456035554408},{"text":"And then with that with the insurance side of things, now I know this was a bit of a bit of area of a concern there for you, Michael, given what did happen.","start":208.08,"end":216.665,"sentiment":"neutral","sentiment_score":-0.0414622775420095},{"text":"But with that, we are recommending that you retain your income protection policy because that doesn't have those exclusions we're talking about during that pre assessment process, maintaining those, and then just reapplying reapplying for that life and TPD portion because the TPD you had currently is that activities daily living definition, which isn't too good versus, like, the any occupation you're eligible for there as well, which I'll touch on a little bit later as well.","start":216.665,"end":239.9,"sentiment":"neutral","sentiment_score":0.1408999597097372}],"sentiment":"neutral","sentiment_score":0.201162599433372,"num_words":188,"start":189.015,"end":239.9},{"sentences":[{"text":"And then with that, setting up the beneficiary nominations for the recommended insurance, reviewing your will, making sure your power of attorney is all active and up to date as your will is part of that, which I know you do have a power of attorney in your will, in place.","start":240.2,"end":253.25499,"sentiment":"neutral","sentiment_score":0.22520048711814133},{"text":"And just before I go into everything else there, Michael, in terms of, like, your circumstances, like your house, your car, your job, has anything changed since we sort of have been speaking over the, you know, the few months?","start":254.58,"end":265.88,"sentiment":"neutral","sentiment_score":-0.04302174136973917},{"text":"All largely unchanged.","start":269.85498,"end":270.995,"sentiment":"neutral","sentiment_score":0.11786973476409912},{"text":"Yeah.","start":271.055,"end":271.555,"sentiment":"neutral","sentiment_score":0.23011639714241028},{"text":"Because we do have your details, obviously, listed about you.","start":271.935,"end":274.995,"sentiment":"neutral","sentiment_score":0.24862490147352218}],"sentiment":"neutral","sentiment_score":0.12223171242291019,"num_words":105,"start":240.2,"end":274.995},{"sentences":[{"text":"Obviously, the figures may have changed slightly with you paying down from your mortgage and things like that.","start":275.13498,"end":279.315,"sentiment":"neutral","sentiment_score":0.01919709166718854},{"text":"But these figures, they're just based on, like, the previous discussions, but that doesn't really affect the advice piece too much anywhere.","start":280.41498,"end":286.37,"sentiment":"neutral","sentiment_score":0.04439783502708782},{"text":"Now as far as the insurance you do have, you do have that Nios cover with the life TPD and income protection.","start":286.91,"end":292.77,"sentiment":"neutral","sentiment_score":0.24048424579880454},{"text":"Now it's the TPD that's very concerned because as I noticed when I was reviewing your account, that ADL definition, it's not a comprehensive definition, and it means that you have to be injured to the point where you can't look after yourself for your regular and day to day activities like getting dressed, feeding yourself, things like that, which is quite a strict definition.","start":293.07,"end":310.535,"sentiment":"negative","sentiment_score":-0.39479804864296547},{"text":"Now I'm not too sure the conversation you had back in 2019 there, Marco, but if you were explaining the definition of, like, ADL and activities daily living, would you have taken under that recommendation back in 2019 if that was explained to you a bit more clearly?","start":311.155,"end":324.53998,"sentiment":"neutral","sentiment_score":-0.15457812789827585}],"sentiment":"neutral","sentiment_score":-0.15124954212989125,"num_words":175,"start":275.13498,"end":324.53998},{"sentences":[{"text":"So back in 2019 when you came on board and, like, had this presented, took out the income protection and the the insurances there.","start":330.225,"end":337.26498,"sentiment":"neutral","sentiment_score":-0.18337785390516123},{"text":"Now if it was explained to you what activities and daily living means in terms of a definition you have to meet for total permanent disability, given that, you'd know, you have to not be able to feed yourself, dress yourself, those sort of activities to meet the criteria to have that payout in the event that you were injured, would you have taken out that policy or, like, accepted that recommendation?","start":337.26498,"end":361.30502,"sentiment":"neutral","sentiment_score":-0.24879606999456882},{"text":"Yep.","start":361.765,"end":362.265,"sentiment":"neutral","sentiment_score":-0.062098853290081024},{"text":"Understandable.","start":362.405,"end":362.905,"sentiment":"neutral","sentiment_score":-0.031174730509519577},{"text":"Now my job here, basically, I'm not the one that deals with reviewing your account in the sense that as a business, they look over it and what was recommended back in 2019 versus the outcome from this advice.","start":363.445,"end":377.15,"sentiment":"neutral","sentiment_score":-0.13969200524764183}],"sentiment":"neutral","sentiment_score":-0.20332589285978436,"num_words":137,"start":330.225,"end":377.15},{"sentences":[{"text":"So my job here was to review and try and put you in a position where moving forward, your sort of for your current circumstances are adequately covered, but you still will end up with those exclusions.","start":377.15,"end":383.25,"sentiment":"neutral","sentiment_score":-0.10836615292607127},{"text":"Exclusions, but it's better than what you currently hold with that ADL.","start":386.535,"end":390.635,"sentiment":"neutral","sentiment_score":-0.3110457646350066},{"text":"Now following the advice, if you were to accept it there, Michael, or if you weren't to accept it, There would be a committee that looks over your account as a whole, and I'd provide you a letter of offer from the advice you did receive in 2019 and how that has affected you from your position there to now, if that makes sense.","start":390.855,"end":410.105,"sentiment":"neutral","sentiment_score":-0.026735034480225295},{"text":"Yep.","start":413.925,"end":414.245,"sentiment":"neutral","sentiment_score":-0.03740016371011734},{"text":"So I can answer anything in regards to the recommendation once you go through it and have a read through it and have a look over it and see if you're happy with it or not.","start":414.245,"end":423.15,"sentiment":"neutral","sentiment_score":0.2652856777939532}],"sentiment":"neutral","sentiment_score":0.00039830130835374195,"num_words":150,"start":377.15,"end":423.15},{"sentences":[{"text":"As far as what occurs from, like, that 2019 to now and then the exclusions that will apply to the new TPD or total current disability that weren't on your current policy or wouldn't have been potentially back in 2019, as I said, they will review it and provide you that letter of outcome from that.","start":423.55,"end":439.805,"sentiment":"neutral","sentiment_score":-0.18666814493813685},{"text":"And I'm not too sure how long that will take, but they will be doing that in the back end just so you're aware.","start":440.745,"end":446.685,"sentiment":"neutral","sentiment_score":-0.16486806236207485},{"text":"Now in terms of your risk profile, there was no change to your risk profile.","start":447.705,"end":451.145,"sentiment":"neutral","sentiment_score":0.019984802107016246},{"text":"You scored high growth.","start":451.145,"end":452.27,"sentiment":"positive","sentiment_score":0.47349732369184494},{"text":"You are in a high growth portfolio.","start":452.27,"end":453.95,"sentiment":"positive","sentiment_score":0.4419742780072348}],"sentiment":"neutral","sentiment_score":-0.08606290887549238,"num_words":106,"start":423.55,"end":453.95},{"sentences":[{"text":"We just look at maintaining that.","start":453.95,"end":455.57,"sentiment":"neutral","sentiment_score":0.17803640787800154},{"text":"Now in terms of the recommendation, we are recommending that you move away from the that was underperforming the active managed fund and going more of an index approach, which is cheaper, which is gonna in turn lower your investment costs that you are paying.","start":455.87,"end":470.055,"sentiment":"neutral","sentiment_score":-0.03928249859147602},{"text":"And then with that as well, your insurance premiums there will dip slightly in terms of what you're paying overall even though the policies are separated because you are rewriting that portion and you don't have because as it gets older, it obviously gets more expensive.","start":470.51498,"end":485.23,"sentiment":"neutral","sentiment_score":-0.15955429718546246},{"text":"And then with that, it obviously the recommended fund has been performing historically better.","start":486.25,"end":490.41,"sentiment":"neutral","sentiment_score":0.15386208572557994},{"text":"It is cheaper.","start":490.41,"end":491.31,"sentiment":"positive","sentiment_score":0.3576389054457347}],"sentiment":"neutral","sentiment_score":-0.042210576696354044,"num_words":114,"start":453.95,"end":491.31},{"sentences":[{"text":"And then with that, it takes out that managed risk that was that Benelon fund that isn't performing and didn't perform and had that issue back in November with their underlying investment.","start":491.37,"end":499.96503,"sentiment":"neutral","sentiment_score":-0.17768319509923458},{"text":"So I'll be getting rid of all of that.","start":500.265,"end":501.96503,"sentiment":"neutral","sentiment_score":-0.19018342511521447},{"text":"As I said, in terms of, like, maintaining the fund, you don't have to pay a full CGT.","start":502.185,"end":505.96503,"sentiment":"neutral","sentiment_score":0.12149051287107998},{"text":"The cost of switching investments due to Benelon being down a little bit is only around that 200, a bit under dollars when switching everything around.","start":506.105,"end":513.28,"sentiment":"neutral","sentiment_score":0.2719033509492874},{"text":"And then moving forward, you'll actually have a lower ongoing cost.","start":513.34,"end":516.4,"sentiment":"positive","sentiment_score":0.45184173909100617}],"sentiment":"neutral","sentiment_score":0.07113606684530775,"num_words":96,"start":491.37,"end":516.4},{"sentences":[{"text":"Obviously, the risk of everything when you change investments is the time out of the market.","start":517.1,"end":521.1,"sentiment":"neutral","sentiment_score":-0.19004201499046758},{"text":"There's no guarantee that the recommended portfolio will outperform your existing portfolio or the market scenarios that were presented in those, like, five year rolling averages because, obviously, the five years aren't gonna replicate year on year with that.","start":521.1,"end":534.355,"sentiment":"neutral","sentiment_score":-0.13995516539002076},{"text":"Now with the main things that you do get, though, is that lower cost, better track record historically.","start":535.135,"end":540.01,"sentiment":"positive","sentiment_score":0.3622911274433136},{"text":"And then with that, you're maintaining a similar allocation to the growth assets.","start":540.55,"end":544.63,"sentiment":"positive","sentiment_score":0.3562642290041997},{"text":"You're just removing that manager risk, which in turn should remove some of that little bit of volatility as well and then the the market downsides have occurred recently.","start":544.63,"end":553.745,"sentiment":"neutral","sentiment_score":-0.05898455427638415}],"sentiment":"neutral","sentiment_score":0.008201734843137472,"num_words":115,"start":517.1,"end":553.745},{"sentences":[{"text":"Perfect.","start":556.20496,"end":556.70496,"sentiment":"positive","sentiment_score":0.6008151769638062},{"text":"And then within regards to the risk, obviously, when switching investments around, you got the time out in the market, those sort of things as well.","start":557.565,"end":563.40497,"sentiment":"neutral","sentiment_score":0.07619361579418182},{"text":"Feel free to have a read through all that.","start":563.40497,"end":564.685,"sentiment":"neutral","sentiment_score":0.09370844066143036},{"text":"I'm not gonna go too much into it given your time.","start":564.685,"end":566.84,"sentiment":"neutral","sentiment_score":-0.17528165199539877},{"text":"Now in regards to the investments, on page 16, you'll be able to see what's selling down and what's purchasing in.","start":567.94,"end":572.5,"sentiment":"neutral","sentiment_score":0.06073161933038916}],"sentiment":"neutral","sentiment_score":0.040771926287561655,"num_words":68,"start":556.20496,"end":572.5},{"sentences":[{"text":"So with the the main sell downs, you'll have Benelong, which will be gone.","start":572.5,"end":575.86,"sentiment":"neutral","sentiment_score":-0.0891013720205852},{"text":"That's an actively managed fund.","start":575.86,"end":577.46,"sentiment":"neutral","sentiment_score":0.04084291458129883},{"text":"With that, the iShares Misky, which is like an exposure to Australia, Europe, and you'll be replacing that with a cheaper or well excluding The US Vanguard alternative, which is a little bit cheaper.","start":577.46,"end":587.045,"sentiment":"neutral","sentiment_score":0.05432629344217917},{"text":"It still has the same exposure outside The US and then across those European regions.","start":587.045,"end":592.185,"sentiment":"neutral","sentiment_score":0.07486697683731715},{"text":"And then you'll be just reducing your exposure slightly in the Japan market there as well.","start":592.805,"end":597.7,"sentiment":"neutral","sentiment_score":0.06262718141078949}],"sentiment":"neutral","sentiment_score":0.03486820115219979,"num_words":84,"start":572.5,"end":597.7},{"sentences":[{"text":"But everything else is largely staying the same because the other assets have been performing apart from Hack did have a little bit of a a backward step like your cyber security side of things, but all AI and tech companies have taken a little bit of backward step this month.","start":599.04,"end":613.82495,"sentiment":"neutral","sentiment_score":-0.0009763224744329263},{"text":"But they have a bit of conviction in those moving forward still as opposed to that been along.","start":613.96497,"end":618.225,"sentiment":"neutral","sentiment_score":0.13123425427410337},{"text":"Now in regards to the allocation there, your proposed is sort of sitting a little bit higher in terms of, like, the amount of growth assets you do hold.","start":619.485,"end":628.61,"sentiment":"neutral","sentiment_score":0.10240910870247874},{"text":"But, obviously, these change and switch slightly depending on how, like, they do in the market and how they perform in your portfolio, which do skew these a little bit, but you'll have more allocation to those growth assets at a cheaper cost and having that indexed approach to if the markets are doing well, your portfolio is doing well.","start":628.91,"end":645.865,"sentiment":"neutral","sentiment_score":0.19429110079460468},{"text":"If they're not doing too great, you sort of just follow the market.","start":645.865,"end":648.105,"sentiment":"neutral","sentiment_score":-0.13597846403717995}],"sentiment":"neutral","sentiment_score":0.08872534677369945,"num_words":171,"start":599.04,"end":648.105},{"sentences":[{"text":"You're not picking those winners and losers, which what that management risk carries as well.","start":648.105,"end":653.18,"sentiment":"neutral","sentiment_score":-0.17112415749579668},{"text":"You still have your defensive portions there as well with your bank hybrids, and then you'll also have your alternative goals, which is a bit of a split.","start":654.12,"end":662.19995,"sentiment":"neutral","sentiment_score":0.2513454833201},{"text":"You're not entirely growth or defensive with the gold.","start":662.19995,"end":664.995,"sentiment":"neutral","sentiment_score":-0.056630023237731725},{"text":"It does have the capital nature of growth, but also in those market downturns tends to go up as well because people go back to that harder currency.","start":664.995,"end":672.29504,"sentiment":"neutral","sentiment_score":-0.08244909053402287},{"text":"Any questions in regards to the investments or super side of things there, Michael?","start":674.195,"end":682.05,"sentiment":"neutral","sentiment_score":0.20346500032714435}],"sentiment":"neutral","sentiment_score":0.04788379181929408,"num_words":94,"start":648.105,"end":682.05},{"sentences":[{"text":"Perfect.","start":682.05,"end":682.52997,"sentiment":"positive","sentiment_score":0.6368412971496582},{"text":"Now the more important section, that insurance side of things, we are looking at maintaining that IP portion.","start":682.52997,"end":688.37,"sentiment":"neutral","sentiment_score":0.13621541361014047},{"text":"It is a little bit less than what your current 70% of your current income.","start":688.37,"end":692.215,"sentiment":"neutral","sentiment_score":0.05376077393690745},{"text":"Now I know a lot of your income goes towards additionally paying down the mortgage.","start":692.35504,"end":695.955,"sentiment":"neutral","sentiment_score":0.14351779967546463},{"text":"So the way to sort of bridge that gap is either you can look at sorta, you know, building up a bit more self insurance by building up a bit of a redraw on that to cover the sort of difference.","start":695.955,"end":704.05505,"sentiment":"neutral","sentiment_score":0.18650831300310972}],"sentiment":"neutral","sentiment_score":0.15216375754939185,"num_words":90,"start":682.05,"end":704.05505},{"sentences":[{"text":"There also is the option when it comes to the policy renewal if you'd like.","start":704.195,"end":708.32,"sentiment":"neutral","sentiment_score":0.17407093395789464},{"text":"When that does come up, you get that email the thirty days before the policy renewal.","start":708.45996,"end":712.3,"sentiment":"neutral","sentiment_score":0.14639437990263104},{"text":"You do have the option for future increases if your income has increased above, like, what you're currently insured for, and that can go up to 15% of that without a level of underwriting.","start":712.3,"end":722.785,"sentiment":"neutral","sentiment_score":0.2275501553188352},{"text":"Because given that we don't wanna go through underwriting to get any more exclusions on that IP policy, we can look at doing that future increase if you'd like.","start":722.925,"end":729.665,"sentiment":"neutral","sentiment_score":0.09659037700500982},{"text":"But in term, we're just looking at keeping the same for now because going through a new policy, the level that you'd be applying for to bridge the gap isn't a huge amount, and it would be worth having a separate IP policy that you'd be paying for.","start":730.045,"end":742.52997,"sentiment":"neutral","sentiment_score":0.08505173058559497}],"sentiment":"neutral","sentiment_score":0.1378428406331321,"num_words":142,"start":704.195,"end":742.52997},{"sentences":[{"text":"And then we're just looking at rewriting the life and total permanent disability, And then that's for the same amount that you're currently covered for, which is in line with your your current needs given your debt, income replacement, things like that as well.","start":742.52997,"end":753.57495,"sentiment":"neutral","sentiment_score":0.203227477486838},{"text":"And it actually comes out as a cheaper plus.","start":754.115,"end":756.21497,"sentiment":"positive","sentiment_score":0.4085410071743859},{"text":"Obviously, disadvantage with that.","start":756.83496,"end":758.77496,"sentiment":"negative","sentiment_score":-0.3957044780254364},{"text":"The life standard because life's life, that you will have that lower back and bilateral knee exclusion with that one given, you know, the injuries and then also the arthroscopic clean out of the other knee that was injured previously and then the sciatica.","start":758.915,"end":773.15,"sentiment":"negative","sentiment_score":-0.4363557980819182},{"text":"Now the risk with these, obviously, Michael, is given that it's two or three depending on if they considered bilateral or two separate exclusions, that's three.","start":774.17,"end":783.09503,"sentiment":"negative","sentiment_score":-0.37460886400479537}],"sentiment":"neutral","sentiment_score":-0.14097185368378332,"num_words":127,"start":742.52997,"end":783.09503},{"sentences":[{"text":"If you get four exclusions or loadings or more, there's a risk of decline.","start":783.715,"end":787.955,"sentiment":"negative","sentiment_score":-0.41124833481652395},{"text":"So if you haven't disclosed anything else that we aren't previously aware of during that pre assessment process, if something else does come up during that application stage, it might result in the decline because it's too at the current with the bilateral that they're considering, but it may be split that you'd have one for each knee and the back.","start":787.955,"end":804.765,"sentiment":"neutral","sentiment_score":-0.3057417334591756},{"text":"And then if you get one more on top of that, then it would be at risk of decline.","start":804.925,"end":808.765,"sentiment":"negative","sentiment_score":-0.41878685982603775},{"text":"So that's one of the main risk factors there.","start":808.765,"end":811.185,"sentiment":"negative","sentiment_score":-0.4007053342130449},{"text":"But in saying that Yep.","start":811.72504,"end":815.745,"sentiment":"neutral","sentiment_score":-0.09888886585831642}],"sentiment":"negative","sentiment_score":-0.33764319539208104,"num_words":108,"start":783.715,"end":815.745},{"sentences":[{"text":"So with the the way they do exclusions and loadings, if you have four exclusions or loadings, like a combination of, it can be a risk of decline.","start":816.04504,"end":825.56,"sentiment":"neutral","sentiment_score":-0.24983984737523965},{"text":"Like, they don't want the policy because it's too sort of risky in terms of, like, what could occur.","start":825.56,"end":830.62,"sentiment":"negative","sentiment_score":-0.38906073727105794},{"text":"But in saying that now, you've got one for the back and then you've got one for your bilateral knee.","start":830.92,"end":836.555,"sentiment":"neutral","sentiment_score":-0.002116982638835907},{"text":"So they consider it one because it's both knees if they do bilateral.","start":836.555,"end":839.53503,"sentiment":"neutral","sentiment_score":-0.00397325951892596},{"text":"But if they consider it as two separate exclusions for each knee, then you've got three.","start":839.59503,"end":845.06,"sentiment":"neutral","sentiment_score":-0.08620901964604855}],"sentiment":"neutral","sentiment_score":-0.16521881328662857,"num_words":96,"start":816.04504,"end":845.06},{"sentences":[{"text":"And then if anything else did come up in terms of, like, something you didn't disclose to us during that pre assessment pros like, progress process, sorry, then it may result in a decline if you didn't disclose anything that you would disclose during that application stage, if that makes sense.","start":845.06,"end":859.475,"sentiment":"neutral","sentiment_score":-0.24958997643461414},{"text":"So, obviously, we're aware of the two knees and the the sciatica, which is those three.","start":861.77496,"end":866.255,"sentiment":"neutral","sentiment_score":-0.03301278765138704},{"text":"At a a max, it might be two if they consider it bilateral.","start":866.255,"end":868.995,"sentiment":"neutral","sentiment_score":-0.011737007504472366},{"text":"And then if there's anything on top of that, then you're sort of getting up there and at risk of that.","start":869.25995,"end":873.51996,"sentiment":"neutral","sentiment_score":-0.25361658526318415},{"text":"But, otherwise, it should be fine if it's just those.","start":873.66,"end":876.16,"sentiment":"neutral","sentiment_score":0.13960374891757965}],"sentiment":"neutral","sentiment_score":-0.15621428197744797,"num_words":111,"start":845.06,"end":876.16},{"sentences":[{"text":"The benefits of it, even though you've got two split across two different providers, so the life and TPD would be with MetLife.","start":876.77997,"end":883.44,"sentiment":"positive","sentiment_score":0.39008426860622736},{"text":"It is cheaper.","start":883.685,"end":884.665,"sentiment":"positive","sentiment_score":0.6014970739682516},{"text":"It would be in two separate spots, so it is a little bit more administratively a bit more annoying, but it worked out to be cheaper, more comprehensive than not only your current policy if it was in place, but it just rewriting with Neos there as well.","start":884.725,"end":897.70496,"sentiment":"neutral","sentiment_score":0.2948231811945637},{"text":"Now with that, it's obviously not the the best circumstances, but moving forward, we wanna make sure you don't have that ADL definition on your policy.","start":898.72,"end":906.74,"sentiment":"neutral","sentiment_score":-0.3072006401534264},{"text":"Because if you were to hurt yourself to a point where you couldn't work, but you can still, like, afford to, like, you know, dress yourself, cook, clean for yourself, care for yourself, then you still wouldn't meet the definition under your current policy.","start":907.04,"end":918.915,"sentiment":"neutral","sentiment_score":-0.17132721028544687}],"sentiment":"neutral","sentiment_score":0.06529394583776593,"num_words":144,"start":876.77997,"end":918.915},{"sentences":[{"text":"So we wanna get your policy.","start":918.915,"end":920.035,"sentiment":"neutral","sentiment_score":0.0965838332970937},{"text":"Even though it would have the exclusions, it's still better than the definition of your current TPD policy.","start":920.035,"end":925.83,"sentiment":"neutral","sentiment_score":-0.00986563041806221},{"text":"TPD policy.","start":928.71,"end":929.11005,"sentiment":"neutral","sentiment_score":0.12008886784315109},{"text":"Now in regards to that, it does show your needs analysis there and how they've come to that.","start":929.11005,"end":933.75,"sentiment":"neutral","sentiment_score":0.12040125288897091},{"text":"Obviously, in regards to the income protection side of things, you're about a thousand dollars a month sort of off what your income would suggest being on a 100 and sixteen thousand and seventy percent of that.","start":933.75,"end":944.34503,"sentiment":"neutral","sentiment_score":-0.09492146193578437}],"sentiment":"neutral","sentiment_score":-0.008676199403441982,"num_words":81,"start":918.915,"end":944.34503},{"sentences":[{"text":"But as I said, you can look to do a 15% increase, which gets you a little bit closer or work on that self in which oh.","start":944.565,"end":951.225,"sentiment":"neutral","sentiment_score":0.0015592004551931663},{"text":"$1.30.","start":956.66003,"end":957.48004,"sentiment":"neutral","sentiment_score":-0.0293782539665699},{"text":"Well, given that you're still, like, covered for the the amount that you are covered for, we aren't recommending changing that.","start":961.54004,"end":967.875,"sentiment":"neutral","sentiment_score":-0.24400305960859572},{"text":"We're looking at retaining that IP portion.","start":967.875,"end":969.815,"sentiment":"neutral","sentiment_score":-0.07524620369076729},{"text":"The options there, we can look at doing a top up to bridge the difference, or you can just look at doing that 15% increase.","start":970.19495,"end":977.63495,"sentiment":"neutral","sentiment_score":0.03080308757722378}],"sentiment":"neutral","sentiment_score":-0.06009864604767458,"num_words":81,"start":944.565,"end":977.63495},{"sentences":[{"text":"Now 15% increase isn't obviously gonna get you close to one like, 70% of the one thirty.","start":977.63495,"end":983.58,"sentiment":"neutral","sentiment_score":-0.010955024510622025},{"text":"But what it does, it gives you an increase that isn't gonna go through an level of underwriting, if that makes sense.","start":983.72003,"end":989.98004,"sentiment":"neutral","sentiment_score":0.014024048281664198},{"text":"Yep.","start":997.33496,"end":997.735,"sentiment":"neutral","sentiment_score":0.03661300614476204},{"text":"So I'll give you the sort of figures and what that sort of looks like.","start":997.735,"end":1000.69495,"sentiment":"neutral","sentiment_score":0.09105510960022609},{"text":"So if you wait till the policy anniversary and do the future increase given your income, that has gone up.","start":1000.69495,"end":1006.16003,"sentiment":"neutral","sentiment_score":0.057809599116444586}],"sentiment":"neutral","sentiment_score":0.035745670373241105,"num_words":75,"start":977.63495,"end":1006.16003},{"sentences":[{"text":"So currently, you're around the $5,568 as a monthly benefit if something were to happen.","start":1006.54004,"end":1012.4,"sentiment":"neutral","sentiment_score":0.04736852869391441},{"text":"If you did an extra 15% of that, you're looking at, like, another $805.","start":1012.46,"end":1017.61505,"sentiment":"neutral","sentiment_score":0.011498225320662771},{"text":"So there it, like, doesn't get you close to what 70% of your current income would be, but it gets you a little bit closer.","start":1017.99506,"end":1024.9551,"sentiment":"neutral","sentiment_score":-0.0030121535807847975},{"text":"So you'd be looking at around a $6,400 a month monthly benefit.","start":1024.9551,"end":1029.375,"sentiment":"neutral","sentiment_score":0.017961570372184116},{"text":"Whereas if you did 70 percent of your your current income, and I'll just work out what that is.","start":1029.435,"end":1036.4601,"sentiment":"neutral","sentiment_score":-0.04480178477732759}],"sentiment":"neutral","sentiment_score":0.0018882844597101212,"num_words":85,"start":1006.54004,"end":1036.4601},{"sentences":[{"text":"Bear with me.","start":1036.8401,"end":1037.74,"sentiment":"neutral","sentiment_score":-0.12505634874105453},{"text":"Then you'd be looking at more like a 7,500.","start":1038.28,"end":1040.76,"sentiment":"neutral","sentiment_score":-0.1701940033170912},{"text":"So you'd still have that thousand dollar shortfall, but then the next year after that, I don't believe there is a limit.","start":1040.76,"end":1045.88,"sentiment":"neutral","sentiment_score":-0.27958648719570856},{"text":"You look at doing another 15% increase as well to try and keep getting a little bit closer, and it does CPI up each year in terms of, like, the dollar figure does go up with, like, the inflationary or, like, the figure that they deem as well.","start":1045.88,"end":1060.62,"sentiment":"positive","sentiment_score":0.383385415499409},{"text":"But as long as you could survive off currently the 5,500, if something were to go wrong in terms of, like, paying for the the mortgage and your general expenses, it doesn't mean that you have to increase your cover.","start":1060.7,"end":1073.68,"sentiment":"neutral","sentiment_score":-0.07413155119866133}],"sentiment":"neutral","sentiment_score":0.06048705001346401,"num_words":122,"start":1036.8401,"end":1073.68},{"sentences":[{"text":"If you're comfortable if something were to go wrong that you're just on that base amount of getting the $5.50, you know, with the minus the taxes to cover, you know, your your mortgage and things like that as well, then it's more than adequate.","start":1073.765,"end":1086.0851,"sentiment":"neutral","sentiment_score":0.25193283077743317},{"text":"Otherwise, we could look at doing some form of pop up cover, which would have those exclusions, if that makes sense.","start":1086.0851,"end":1091.8401,"sentiment":"neutral","sentiment_score":-0.05441302132038843},{"text":"Well, if yeah.","start":1103.3551,"end":1105.275,"sentiment":"neutral","sentiment_score":-0.1766164501508077},{"text":"No.","start":1105.275,"end":1105.515,"sentiment":"neutral","sentiment_score":-0.2259184569120407},{"text":"Well, I I would look at doing when it comes around that policy anniversary just because you've already got the policy, looking at doing that future increase or the circumstance increase just to to bump that up.","start":1105.515,"end":1115.52,"sentiment":"neutral","sentiment_score":-0.05608323739992606}],"sentiment":"neutral","sentiment_score":0.06881734902892157,"num_words":107,"start":1073.765,"end":1115.52},{"sentences":[{"text":"And then if you were to rewrite, the the difference there is you're probably looking at doing just a policy for a couple of thousand dollars that would have the exclusion for the knees and then also the back as well.","start":1115.5801,"end":1127.835,"sentiment":"neutral","sentiment_score":-0.1352758175897889},{"text":"Currently, if you were to, like, have to go off for your your knees due to them being injured, your current policy should cover that.","start":1127.975,"end":1134.635,"sentiment":"neutral","sentiment_score":-0.24820495307445525},{"text":"And it's entirely same with the back, but even if you did a top up policy, it wouldn't cover you for that because you'd have those exclusions.","start":1134.855,"end":1141.89,"sentiment":"neutral","sentiment_score":-0.16927343708704468},{"text":"And then if something were to occur where you'd take both, you'd have, like, one in conjunction with the other, and then you'd just have to pay having the dual premium.","start":1141.89,"end":1150.05,"sentiment":"neutral","sentiment_score":-0.05813062227060718},{"text":"So you'd probably definitely wanna do the the future increase because you're increasing it without underwriting.","start":1150.05,"end":1154.9501,"sentiment":"neutral","sentiment_score":0.2077408111654222}],"sentiment":"neutral","sentiment_score":-0.10571436757953571,"num_words":140,"start":1115.5801,"end":1154.9501},{"sentences":[{"text":"But it isn't till the tenth of this year that you could look at doing that.","start":1155.73,"end":1159.215,"sentiment":"neutral","sentiment_score":-0.030493955360725522},{"text":"And that way yeah.","start":1160.475,"end":1161.915,"sentiment":"neutral","sentiment_score":0.10672174952924252},{"text":"Yeah.","start":1161.915,"end":1162.235,"sentiment":"neutral","sentiment_score":0.17444682121276855},{"text":"So and then you'd look at increasing that level of cover that doesn't have those exclusions, no level of underwriting, and it's more comprehensive than if you were to do look at doing a separate policy.","start":1162.235,"end":1173.69,"sentiment":"neutral","sentiment_score":0.25037769890493816},{"text":"And then that way, if you did that this year, it gets you much closer that there's only around a thousand dollar difference even based on your sort of new new income.","start":1173.69,"end":1183.215,"sentiment":"neutral","sentiment_score":0.2621736777946353}],"sentiment":"neutral","sentiment_score":0.1968155661074633,"num_words":89,"start":1155.73,"end":1183.215},{"sentences":[{"text":"Yeah.","start":1195.215,"end":1195.455,"sentiment":"neutral","sentiment_score":0.06845556199550629},{"text":"I'll just put a reminder in my calendar, and I'll touch base, like, just around October when that policy does set for renewal.","start":1195.455,"end":1201.43,"sentiment":"neutral","sentiment_score":0.19531584304312002},{"text":"And then we'll do that process.","start":1201.81,"end":1203.49,"sentiment":"neutral","sentiment_score":0.1723546584447225},{"text":"And when that figure comes out, we can have a bit more of a discussion around if you'd wanna look at doing another income protection policy to help top it up, if that makes sense.","start":1203.49,"end":1213.675,"sentiment":"neutral","sentiment_score":0.1269703528710774},{"text":"Because I know at the moment, you're sort of putting most of your income towards extra payments on the mortgage to get that down quicker anyway.","start":1214.615,"end":1220.395,"sentiment":"neutral","sentiment_score":0.1388089874616036}],"sentiment":"neutral","sentiment_score":0.14997630689170335,"num_words":91,"start":1195.215,"end":1220.395},{"sentences":[{"text":"So you probably you probably got a little bit of a redraw sitting there at the moment or some level that you could could draw down on if something were to go south.","start":1222.6951,"end":1233.94,"sentiment":"neutral","sentiment_score":0.05335291407325051},{"text":"Yeah.","start":1234.4,"end":1234.64,"sentiment":"neutral","sentiment_score":0.05935181677341461},{"text":"Yeah.","start":1234.64,"end":1235.14,"sentiment":"neutral","sentiment_score":0.07366886734962463},{"text":"Yeah.","start":1236.88,"end":1237.2,"sentiment":"neutral","sentiment_score":0.12484879791736604},{"text":"Exactly.","start":1237.2,"end":1237.7,"sentiment":"neutral","sentiment_score":0.164604052901268}],"sentiment":"neutral","sentiment_score":0.059003235117809194,"num_words":37,"start":1222.6951,"end":1237.7},{"sentences":[{"text":"So that's like the other option is like putting more money on that to have that level of drawdown if something were to go wrong as well to also or is that sort of you're paying an extra few $100 a week towards your your mortgage or an offset account?","start":1237.76,"end":1250.265,"sentiment":"neutral","sentiment_score":0.11719246804714203},{"text":"That's sort of money aside as well that if something went wrong, you could use to somewhat fund, you know, living expenses as well, even bridge the gaps for for waiting periods for your income protection, things like that as well.","start":1250.265,"end":1261.2001,"sentiment":"neutral","sentiment_score":0.26532776144946496},{"text":"Yep.","start":1263.74,"end":1264.24,"sentiment":"neutral","sentiment_score":0.1555054485797882},{"text":"Yeah.","start":1265.42,"end":1265.66,"sentiment":"neutral","sentiment_score":0.2602469325065613},{"text":"So feel free to have a read through all that as well as just like you said, there is a lot coming at you all at once, so feel free to definitely have a read through it.","start":1265.66,"end":1273.715,"sentiment":"positive","sentiment_score":0.34045463236602574}],"sentiment":"neutral","sentiment_score":0.22885104154164976,"num_words":130,"start":1237.76,"end":1273.715},{"sentences":[{"text":"Now within regards to that as well as obviously benefits and disadvantages of that, the benefit is you have a more comprehensive total permanent disability definition even though you do have those exclusions, and then you're maintaining that income protection that doesn't have those exclusions, and then you're getting rid of that Neos life and TPD.","start":1273.9349,"end":1290.13,"sentiment":"neutral","sentiment_score":0.2323042033240199},{"text":"And then with that, it is saving you a little bit of money at the end of the day there as well.","start":1290.99,"end":1294.93,"sentiment":"positive","sentiment_score":0.6550839841365814},{"text":"There also is a a little bit here about life insurance through superannuation and the cost of that and how that affects, like, retirement outcomes.","start":1295.55,"end":1302.0159,"sentiment":"neutral","sentiment_score":0.08989384204149246},{"text":"Obviously, it's still quite affordable given your level of income and your contributions going in now, but as you do get older, it does get more expensive, and we, you know, just like to keep an eye on that as well.","start":1302.0159,"end":1312.14,"sentiment":"neutral","sentiment_score":0.09937432753603632},{"text":"It's something to be mindful of when increasing or doing separate.","start":1312.84,"end":1315.4,"sentiment":"neutral","sentiment_score":-0.0699868652630936}],"sentiment":"neutral","sentiment_score":0.2127272322533592,"num_words":155,"start":1273.9349,"end":1315.4},{"sentences":[{"text":"That's why we decided in turn not to do a top up for the income protection side of things just because income protection is the more expensive insurance, and even having a a smaller policy there can add up quite a bit in terms of that in terms of cost that you are paying out of your superannuation at the end of the day.","start":1315.4,"end":1332.875,"sentiment":"neutral","sentiment_score":-0.0236124389921315},{"text":"With the beneficiary nominations, we're just saying similar to your your superannuation that you currently hold, just nominating your your son Blake there in the event anything did happen for that MetLife policy.","start":1333.3351,"end":1343.6901,"sentiment":"neutral","sentiment_score":0.18483079089359802},{"text":"And then they're also a little bit about wills and a power of attorney here, just reviewing those, make sure they're up to date and everything.","start":1344.15,"end":1350.49,"sentiment":"neutral","sentiment_score":0.12889416601795417},{"text":"You know, having even though if anything's amicable, having an ex partner, things like that, if something were to go wrong, ex spouses and partners and estates don't don't really mix generally.","start":1351.03,"end":1360.325,"sentiment":"neutral","sentiment_score":-0.03703143935126718},{"text":"Not to say that your ex would potentially try and take anything from your your son, given that you'd probably want him to be the sole beneficiary, but, you know, money does sort of bring out the worst in people, so it's important to have those all up to date.","start":1360.945,"end":1373.29,"sentiment":"neutral","sentiment_score":-0.27642793983221053}],"sentiment":"neutral","sentiment_score":-0.03447285234337536,"num_words":205,"start":1315.4,"end":1373.29},{"sentences":[{"text":"And then in regards to if you were happy with everything, there is a disclosure for the remuneration we do receive.","start":1375.91,"end":1381.43,"sentiment":"neutral","sentiment_score":0.24066062094200225},{"text":"We do get still 66% of the upfront premiums that you do pay, which works out to be $533.","start":1381.43,"end":1388.175,"sentiment":"positive","sentiment_score":0.4769757405707711},{"text":"Now that's not an additional cost to the premium that is disclosed there.","start":1388.175,"end":1391.715,"sentiment":"neutral","sentiment_score":0.31863864339314973},{"text":"It's just what the insurer pays us for setting up the policy, doing the application, setting it up, maintaining it.","start":1391.855,"end":1397.28,"sentiment":"positive","sentiment_score":0.43245280534029007},{"text":"In addition to that, we do get the trailing, which is 22% of those premiums for the MetLife and policy and then 1.65 for managing of the superannuation, which all is disclosed there in terms of your ongoing fees.","start":1397.76,"end":1410.9,"sentiment":"neutral","sentiment_score":0.31828750631748104}],"sentiment":"positive","sentiment_score":0.3510802082850465,"num_words":112,"start":1375.91,"end":1410.9},{"sentences":[{"text":"So it works at the around 3,300 in terms of our total remuneration, a little bit under that for what we get.","start":1411.4401,"end":1418.075,"sentiment":"positive","sentiment_score":0.4223178110339425},{"text":"And if you were happy with everything, Michael, we'd change the underlying investments in the background for you.","start":1418.615,"end":1423.255,"sentiment":"positive","sentiment_score":0.36633943269650143},{"text":"We'd get you booked in for that application process to do those insurances and get that all sorted.","start":1423.255,"end":1429.36,"sentiment":"positive","sentiment_score":0.37111013962162864},{"text":"Once that was done there, we would look at removing the life and TBD portion from that Neos cover.","start":1429.36,"end":1434.74,"sentiment":"neutral","sentiment_score":0.012988105024162092},{"text":"We wouldn't do that before we got your cover in place because we don't wanna look at getting rid of that and leaving you under insured in the meantime.","start":1434.88,"end":1440.375,"sentiment":"neutral","sentiment_score":-0.13105933984805798}],"sentiment":"neutral","sentiment_score":0.1793503517390422,"num_words":106,"start":1411.4401,"end":1440.375},{"sentences":[{"text":"And then in regards to the beneficiaries and seeing up here or reviewing real, sorry, and the power of attorney, that is up to you and your your own time.","start":1441.155,"end":1448.6749,"sentiment":"neutral","sentiment_score":0.08455729732910792},{"text":"We can obviously send you the forms, but I can't force you to go see a solicitor and revise your will.","start":1448.6749,"end":1453.35,"sentiment":"neutral","sentiment_score":-0.0497923262772106},{"text":"But, obviously, it's a lot of information coming at you quite quickly there, Michael, in terms of everything.","start":1456.37,"end":1461.59,"sentiment":"neutral","sentiment_score":0.0911649473839336},{"text":"But do you have any questions currently?","start":1461.89,"end":1464.0651,"sentiment":"neutral","sentiment_score":-0.005209843495062419},{"text":"Obviously, I was a bit sort of stretched for for time there to try and get through everything with you, but anything else that jumps out that you wanted to have a chat about?","start":1464.0651,"end":1470.805,"sentiment":"neutral","sentiment_score":-0.028732491896816474}],"sentiment":"neutral","sentiment_score":0.01926068629095839,"num_words":110,"start":1441.155,"end":1470.805},{"sentences":[{"text":"Yep.","start":1478.865,"end":1479.0,"sentiment":"neutral","sentiment_score":-0.11577572673559187},{"text":"No.","start":1486.92,"end":1487.4,"sentiment":"neutral","sentiment_score":-0.07084979861974716},{"text":"In terms of, like, cost wise, you're actually saving on investment costs with the recommended update.","start":1487.4,"end":1493.825,"sentiment":"neutral","sentiment_score":0.013859314378350973},{"text":"You do pay a little bit with the capital gains and switching up those few investments, but only a few $100.","start":1494.045,"end":1498.865,"sentiment":"neutral","sentiment_score":-0.024581781632843473},{"text":"And then in terms of, like, the cost of the premiums for insurances, it actually dropped a little bit overall as well.","start":1499.005,"end":1505.405,"sentiment":"neutral","sentiment_score":-0.10511807369237597}],"sentiment":"neutral","sentiment_score":-0.04579822181678209,"num_words":61,"start":1478.865,"end":1505.405},{"sentences":[{"text":"Even though as I said, you do get those exclusions on the policy, overall, you're paying paying less, and you do have a more comprehensive definition for your total permanent disability.","start":1505.405,"end":1514.35,"sentiment":"neutral","sentiment_score":-0.10864222746702933},{"text":"It just means that those the knees and the lower back are excluded on that policy.","start":1514.35,"end":1518.37,"sentiment":"neutral","sentiment_score":-0.13314450532197952},{"text":"Yep.","start":1520.99,"end":1521.255,"sentiment":"neutral","sentiment_score":0.033152978867292404},{"text":"So those are the the key differences.","start":1521.255,"end":1522.955,"sentiment":"neutral","sentiment_score":0.02943640042628561},{"text":"Yeah.","start":1523.095,"end":1523.595,"sentiment":"neutral","sentiment_score":0.07678048312664032}],"sentiment":"neutral","sentiment_score":-0.09253987270806517,"num_words":56,"start":1505.405,"end":1523.595},{"sentences":[{"text":"So overall, you'd probably save around $5.40 ish dollars in terms of, like, the costs ongoing from what you save on the insurances and then also the investment fees there as well.","start":1524.135,"end":1538.4501,"sentiment":"neutral","sentiment_score":0.13713134650606662},{"text":"Perfect.","start":1542.27,"end":1542.77,"sentiment":"positive","sentiment_score":0.48049890995025635},{"text":"Okay.","start":1547.31,"end":1547.81,"sentiment":"positive","sentiment_score":0.3394296169281006},{"text":"Do you want some time, like, when we put a hold on it a little bit until you've had a chance to read through it and make sure you are happy with everything, come back with any questions you might have?","start":1549.47,"end":1557.2351,"sentiment":"neutral","sentiment_score":0.2012438928572143},{"text":"Yep.","start":1568.75,"end":1569.1499,"sentiment":"neutral","sentiment_score":0.11196500062942503}],"sentiment":"neutral","sentiment_score":0.17856705556378552,"num_words":76,"start":1524.135,"end":1569.1499},{"sentences":[{"text":"Not a problem.","start":1569.1499,"end":1569.71,"sentiment":"neutral","sentiment_score":0.19832990566889444},{"text":"If you do have any questions or come back with anything, there is a quite simple piece of advice at the end of the day there, Michael, in terms of, like, retraining your super, doing a little update with the investments, getting you the life and TPD portion that you, like, will be able to potentially claim on the future as opposed to ADL definition.","start":1569.71,"end":1588.015,"sentiment":"neutral","sentiment_score":0.303383782849862},{"text":"Those, pardon me, are the key changes with that one.","start":1588.3151,"end":1591.45,"sentiment":"neutral","sentiment_score":0.08603928722441197},{"text":"From there, obviously, we'll be in touch, or I can even book in a time to go through that personal statement for the insurances.","start":1594.63,"end":1601.77,"sentiment":"neutral","sentiment_score":0.17205830663442612},{"text":"Is there a time that sort of best suits you sort of maybe end of this week, start of next week?","start":1601.83,"end":1607.075,"sentiment":"neutral","sentiment_score":0.10436847451187316}],"sentiment":"neutral","sentiment_score":0.2235485024265642,"num_words":123,"start":1569.1499,"end":1607.075},{"sentences":[{"text":"The the personal statement just for the insurances applying for that new cover even sometime even the same time next week maybe potentially?","start":1609.775,"end":1617.0801,"sentiment":"neutral","sentiment_score":-0.0748967026238856},{"text":"Yep.","start":1622.02,"end":1622.42,"sentiment":"neutral","sentiment_score":0.26593178510665894},{"text":"I'll chuck that down.","start":1622.42,"end":1623.38,"sentiment":"neutral","sentiment_score":0.14705919101834297},{"text":"And then if you do have any questions from, like, the document having a look through that in the meantime, if you do have happen to have a look over over the weekend, feel free to just let them know during that booking, and I can probably maybe spare a few minutes to jump on and answer any questions you might have.","start":1623.38,"end":1636.505,"sentiment":"neutral","sentiment_score":0.23875872959052363},{"text":"No problems, Michael.","start":1638.885,"end":1639.765,"sentiment":"positive","sentiment_score":0.5311427811781565}],"sentiment":"neutral","sentiment_score":0.16696789211803867,"num_words":93,"start":1609.775,"end":1639.765},{"sentences":[{"text":"Well, thanks for your time this afternoon.","start":1639.765,"end":1641.225,"sentiment":"positive","sentiment_score":0.7962941612516131},{"text":"I hope you enjoy the rest of your afternoon, and then we yeah.","start":1641.525,"end":1644.3749,"sentiment":"positive","sentiment_score":0.6778004261163565},{"text":"We'll we'll chat soon.","start":1644.3749,"end":1645.6749,"sentiment":"positive","sentiment_score":0.5092266798019409},{"text":"Thanks, mate.","start":1647.815,"end":1648.3749,"sentiment":"positive","sentiment_score":0.6651712656021118},{"text":"Bye.","start":1648.3749,"end":1648.8749,"sentiment":"positive","sentiment_score":0.4376490116119385}],"sentiment":"positive","sentiment_score":0.6737171455665871,"num_words":27,"start":1639.765,"end":1648.8749}]}}]},{"alternatives":[{"transcript":"Hello? Thank you. Yourself? Yep. How long are you talking? Probably the brief one would do me. Thank you. Michael Armstrong. 1983. 1 Of 20 Churchill Circuit, Hamilton thousand. Yeah. That's correct. Yep. Yep. Yep. Yep. Yep. Not really. Still still the same, I guess. Yeah. Yep. Yep. Sorry. I was go again for me. Probably not. No. Righty. Yep. Yep. Yep. Yep. Yep. Yep. Right. Yeah. Yep. Now I'm pretty happy to take on your recommendation. Yep. Yep. Sorry. Say that again. Sorry. Yep. Yep. Yep. Yep. My I'm I'm I'm recently out of pay. Right? I'm at a 130,000 now. Yeah. Does that make a lot of difference to anything? Happy to take a recommendation because I really don't yeah. Yep. Yep. Yep. Yep. Yeah. I don't really like what do you think? You can't really say? Yep. Yep. Yep. October. Yep. Yeah. I know. I just like, you're talking a lot of gibberish to me at the moment, to be honest. So I'll just say, yes. Just go with what yeah. Whatever you think. Yep. Yep. Yep. Yep. It's a little bit there, but but, yeah, not not hate. Obviously, fingers crossed, nothing goes wrong. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Not really. I'm sorry. You're trying to help me out and make it best for me, so I'm pretty happy to go with what you think. It's not gonna be anything. Like, I'm not gonna notice massive differences in terms of money coming out or anything, am I, compared to what it has been? Yep. Yep. Yep. I'm good. Yeah. Well, I'm all good. I went on the I think I saw in that form that you sent me, so it should be all good to go. And to go to to be honest, I'm just happy to go with what's what you've said. Yeah. I'm probably not really not understanding anyway, so I'll just go with what's going. Cool. Not perfect, Javier. What's that for? Sorry. Yeah. That should be fine. Yep. No worries. Appreciate it. Thank you. Thanks. 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Thank you. Yourself? Yep. How long are you talking?\n\nProbably the brief one would do me. Thank you. Michael Armstrong. 1983. 1 Of 20 Churchill Circuit, Hamilton thousand.\n\nYeah. That's correct. Yep. Yep. Yep.\n\nYep. Yep. Not really. Still still the same, I guess. Yeah.\n\nYep. Yep. Sorry. I was go again for me. Probably not.\n\nNo. Righty. Yep. Yep. Yep.\n\nYep. Yep. Yep. Right. Yeah.\n\nYep. Now I'm pretty happy to take on your recommendation. Yep. Yep. Sorry.\n\nSay that again. Sorry. Yep. Yep. Yep.\n\nYep. My I'm I'm I'm recently out of pay. Right? I'm at a 130,000 now. Yeah.\n\nDoes that make a lot of difference to anything? Happy to take a recommendation because I really don't yeah. Yep. Yep. Yep.\n\nYep. Yeah. I don't really like what do you think? You can't really say? Yep.\n\nYep. Yep. October. Yep. Yeah.\n\nI know. I just like, you're talking a lot of gibberish to me at the moment, to be honest. So I'll just say, yes. Just go with what yeah. Whatever you think.\n\nYep. 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again.","start":812.33,"end":813.14996,"sentiment":"neutral","sentiment_score":-0.09753064438700676},{"text":"Sorry.","start":814.89,"end":815.39,"sentiment":"neutral","sentiment_score":-0.07920683920383453},{"text":"Yep.","start":860.255,"end":860.755,"sentiment":"neutral","sentiment_score":0.03824634477496147},{"text":"Yep.","start":877.365,"end":877.865,"sentiment":"positive","sentiment_score":0.4913625717163086},{"text":"Yep.","start":898.61005,"end":899.11005,"sentiment":"neutral","sentiment_score":0.07026365399360657}],"sentiment":"neutral","sentiment_score":0.032581971160003116,"num_words":7,"start":812.33,"end":899.11005},{"sentences":[{"text":"Yep.","start":927.07,"end":927.57,"sentiment":"neutral","sentiment_score":0.20870475471019745},{"text":"My I'm I'm I'm recently out of pay.","start":950.15,"end":953.59,"sentiment":"neutral","sentiment_score":-0.11439569760113955},{"text":"Right?","start":953.59,"end":953.75,"sentiment":"neutral","sentiment_score":-0.08602429926395416},{"text":"I'm at a 130,000 now.","start":953.75,"end":956.17004,"sentiment":"neutral","sentiment_score":-0.06892513856291771},{"text":"Yeah.","start":958.31,"end":958.81,"sentiment":"neutral","sentiment_score":-0.016835955902934074}],"sentiment":"neutral","sentiment_score":-0.07212167338002473,"num_words":16,"start":927.07,"end":958.81},{"sentences":[{"text":"Does that make a lot of difference to anything?","start":958.87006,"end":960.65,"sentiment":"neutral","sentiment_score":-0.05610875619782342},{"text":"Happy to take a recommendation because I really don't yeah.","start":992.725,"end":995.94495,"sentiment":"neutral","sentiment_score":-0.14952396005392074},{"text":"Yep.","start":1006.89996,"end":1007.39996,"sentiment":"neutral","sentiment_score":0.05985147878527641},{"text":"Yep.","start":1013.14,"end":1013.64,"sentiment":"neutral","sentiment_score":0.01687769591808319},{"text":"Yep.","start":1030.335,"end":1030.835,"sentiment":"neutral","sentiment_score":-0.016550486907362938}],"sentiment":"neutral","sentiment_score":-0.08818362356925552,"num_words":22,"start":958.87006,"end":1030.835},{"sentences":[{"text":"Yep.","start":1053.915,"end":1054.415,"sentiment":"positive","sentiment_score":0.466907799243927},{"text":"Yeah.","start":1098.11,"end":1098.61,"sentiment":"neutral","sentiment_score":-0.1919552981853485},{"text":"I don't really like what do you think?","start":1098.75,"end":1101.435,"sentiment":"negative","sentiment_score":-0.406707089394331},{"text":"You can't really say?","start":1103.435,"end":1104.5751,"sentiment":"neutral","sentiment_score":-0.20993445068597794},{"text":"Yep.","start":1116.4099,"end":1116.9099,"sentiment":"neutral","sentiment_score":0.016658451408147812}],"sentiment":"neutral","sentiment_score":-0.25345223769545555,"num_words":15,"start":1053.915,"end":1116.9099},{"sentences":[{"text":"Yep.","start":1135.4149,"end":1135.9149,"sentiment":"neutral","sentiment_score":-0.029326099902391434},{"text":"Yep.","start":1147.69,"end":1148.19,"sentiment":"neutral","sentiment_score":-0.05890355631709099},{"text":"October.","start":1160.0549,"end":1160.5549,"sentiment":"neutral","sentiment_score":0.09276915341615675},{"text":"Yep.","start":1169.495,"end":1169.97,"sentiment":"neutral","sentiment_score":0.1740967333316803},{"text":"Yeah.","start":1184.875,"end":1185.375,"sentiment":"neutral","sentiment_score":0.07510799169540405}],"sentiment":"neutral","sentiment_score":0.05074884444475174,"num_words":5,"start":1135.4149,"end":1185.375},{"sentences":[{"text":"I know.","start":1186.155,"end":1186.5549,"sentiment":"neutral","sentiment_score":0.010983888059854506},{"text":"I just like, you're talking a lot of gibberish to me at the moment, to be honest.","start":1186.5549,"end":1190.315,"sentiment":"neutral","sentiment_score":-0.20583450443604412},{"text":"So I'll just say, yes.","start":1190.315,"end":1192.015,"sentiment":"neutral","sentiment_score":-0.003560064546763897},{"text":"Just go with what yeah.","start":1192.315,"end":1193.4349,"sentiment":"neutral","sentiment_score":0.006276221573352813},{"text":"Whatever you think.","start":1193.4349,"end":1194.655,"sentiment":"neutral","sentiment_score":-0.0029723308980464935}],"sentiment":"neutral","sentiment_score":-0.10851734396419488,"num_words":32,"start":1186.155,"end":1194.655},{"sentences":[{"text":"Yep.","start":1202.25,"end":1202.75,"sentiment":"neutral","sentiment_score":0.1607791632413864},{"text":"Yep.","start":1213.315,"end":1213.815,"sentiment":"neutral","sentiment_score":0.14154395461082458},{"text":"Yep.","start":1214.6749,"end":1215.1749,"sentiment":"neutral","sentiment_score":0.16104818880558014},{"text":"Yep.","start":1221.395,"end":1221.895,"sentiment":"neutral","sentiment_score":0.1028362438082695},{"text":"It's a little bit there, but but, yeah, not not hate.","start":1229.9901,"end":1233.13,"sentiment":"neutral","sentiment_score":0.018685042519461025}],"sentiment":"neutral","sentiment_score":0.05144953454534213,"num_words":15,"start":1202.25,"end":1233.13},{"sentences":[{"text":"Obviously, fingers crossed, nothing goes wrong.","start":1234.0701,"end":1236.7301,"sentiment":"neutral","sentiment_score":0.06405933449665706},{"text":"Yep.","start":1249.8251,"end":1250.3251,"sentiment":"neutral","sentiment_score":0.08179909735918045},{"text":"Yep.","start":1261.86,"end":1262.36,"sentiment":"neutral","sentiment_score":0.15641701221466064},{"text":"Yep.","start":1274.435,"end":1274.935,"sentiment":"neutral","sentiment_score":0.24752168357372284},{"text":"Yep.","start":1295.665,"end":1296.165,"sentiment":"neutral","sentiment_score":0.2171601951122284}],"sentiment":"neutral","sentiment_score":0.10872539952397346,"num_words":10,"start":1234.0701,"end":1296.165},{"sentences":[{"text":"Yep.","start":1312.88,"end":1313.38,"sentiment":"neutral","sentiment_score":0.035225629806518555},{"text":"Yep.","start":1329.4451,"end":1329.9451,"sentiment":"neutral","sentiment_score":0.0604175329208374},{"text":"Yep.","start":1333.48,"end":1333.98,"sentiment":"neutral","sentiment_score":0.11186709254980089},{"text":"Yep.","start":1344.52,"end":1345.02,"sentiment":"neutral","sentiment_score":0.1058325618505478},{"text":"Yep.","start":1372.6799,"end":1373.1799,"sentiment":"neutral","sentiment_score":-0.0185385849326849}],"sentiment":"neutral","sentiment_score":0.05896084643900394,"num_words":5,"start":1312.88,"end":1373.1799},{"sentences":[{"text":"Yep.","start":1441.44,"end":1441.94,"sentiment":"neutral","sentiment_score":0.03351790830492973},{"text":"Yep.","start":1454.7749,"end":1455.2749,"sentiment":"neutral","sentiment_score":0.06538115441799164},{"text":"Yep.","start":1457.815,"end":1458.315,"sentiment":"neutral","sentiment_score":0.00015053650713525712},{"text":"Not really.","start":1471.2699,"end":1471.9099,"sentiment":"neutral","sentiment_score":-0.15811781585216522},{"text":"I'm sorry.","start":1471.9099,"end":1472.3099,"sentiment":"neutral","sentiment_score":-0.2197214961051941}],"sentiment":"neutral","sentiment_score":-0.09380414638352315,"num_words":7,"start":1441.44,"end":1472.3099},{"sentences":[{"text":"You're trying to help me out and make it best for me, so I'm pretty happy to go with what you think.","start":1472.3099,"end":1477.35,"sentiment":"neutral","sentiment_score":0.20467126911336725},{"text":"It's not gonna be anything.","start":1477.35,"end":1479.37,"sentiment":"neutral","sentiment_score":-0.10453566014766694},{"text":"Like, I'm not gonna notice massive differences in terms of money coming out or anything, am I, compared to what it has been?","start":1479.525,"end":1486.185,"sentiment":"neutral","sentiment_score":-0.12160274580768916},{"text":"Yep.","start":1504.915,"end":1505.415,"sentiment":"neutral","sentiment_score":-0.05830970406532288},{"text":"Yep.","start":1519.235,"end":1519.735,"sentiment":"neutral","sentiment_score":0.029355181381106377}],"sentiment":"neutral","sentiment_score":0.022197537374897644,"num_words":52,"start":1472.3099,"end":1519.735},{"sentences":[{"text":"Yep.","start":1521.8,"end":1522.3,"sentiment":"neutral","sentiment_score":0.02679145708680153},{"text":"I'm good.","start":1539.6649,"end":1540.405,"sentiment":"neutral","sentiment_score":0.32049715518951416},{"text":"Yeah.","start":1542.145,"end":1542.465,"sentiment":"neutral","sentiment_score":0.33203375339508057},{"text":"Well, I'm all good.","start":1542.465,"end":1543.025,"sentiment":"positive","sentiment_score":0.43916434794664383},{"text":"I went on the I think I saw in that form that you sent me, so it should be all good to go.","start":1543.025,"end":1548.18,"sentiment":"neutral","sentiment_score":0.31061822111191956}],"sentiment":"neutral","sentiment_score":0.31937729026521405,"num_words":31,"start":1521.8,"end":1548.18},{"sentences":[{"text":"And to go to to be honest, I'm just happy to go with what's what you've said.","start":1555.9401,"end":1561.16,"sentiment":"neutral","sentiment_score":0.3136105138589354},{"text":"Yeah.","start":1561.3,"end":1561.575,"sentiment":"neutral","sentiment_score":0.033452749252319336},{"text":"I'm probably not really not understanding anyway, so I'll just go with what's going.","start":1562.0549,"end":1567.195,"sentiment":"neutral","sentiment_score":-0.05865577111087207},{"text":"Cool.","start":1592.1101,"end":1592.535,"sentiment":"positive","sentiment_score":0.4697251319885254},{"text":"Not perfect, Javier.","start":1592.6951,"end":1593.755,"sentiment":"neutral","sentiment_score":-0.02239363268017769}],"sentiment":"neutral","sentiment_score":0.13739430342361125,"num_words":36,"start":1555.9401,"end":1593.755},{"sentences":[{"text":"What's that for?","start":1608.16,"end":1608.64,"sentiment":"neutral","sentiment_score":0.014627157400051752},{"text":"Sorry.","start":1608.64,"end":1609.14,"sentiment":"neutral","sentiment_score":-0.13722987473011017},{"text":"Yeah.","start":1619.12,"end":1619.52,"sentiment":"neutral","sentiment_score":0.20823925733566284},{"text":"That should be fine.","start":1619.52,"end":1620.555,"sentiment":"positive","sentiment_score":0.3762292191386223},{"text":"Yep.","start":1637.0,"end":1637.48,"sentiment":"neutral","sentiment_score":0.1816872805356979}],"sentiment":"neutral","sentiment_score":0.1801495011895895,"num_words":10,"start":1608.16,"end":1637.48},{"sentences":[{"text":"No worries.","start":1637.48,"end":1638.22,"sentiment":"neutral","sentiment_score":0.32916587591171265},{"text":"Appreciate it.","start":1646.28,"end":1646.84,"sentiment":"positive","sentiment_score":0.7476069033145905},{"text":"Thank you.","start":1646.84,"end":1647.58,"sentiment":"positive","sentiment_score":0.6902424693107605},{"text":"Thanks.","start":1649.24,"end":1649.64,"sentiment":"positive","sentiment_score":0.5352352857589722},{"text":"Bye.","start":1649.64,"end":1650.14,"sentiment":"neutral","sentiment_score":-0.0604751855134964}],"sentiment":"positive","sentiment_score":0.5010988246649504,"num_words":8,"start":1637.48,"end":1650.14}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Michael. It's Carl calling from ICU Financial. How are you today?\n\nChannel 1: Thank you. Yourself?\n\nChannel 0: Yeah. Not too bad at all. I've got you scheduled in to go through that statement advice piece this afternoon. Is now still a good time\n\nChannel 1: Yep. How long\n\nChannel 0: for\n\nChannel 1: are you talking?\n\nChannel 0: you? It depends how much time you have. So I can go through, like, a brief overview, and you can have some time to read over it and then come back with any questions. Or if you've got a bit more time, it could be around that sort of thirty plus minute mark if you wanna go a bit more in-depth, have a few questions in regards to what is explained and presented.\n\nChannel 1: Probably the brief one would do me. Thank you.\n\nChannel 0: Yep. Not a problem at all. Now just before we jump into that today then, Mike, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today.\n\nChannel 1: Michael Armstrong. 1983. 1 Of 20 Churchill Circuit, Hamilton\n\nChannel 0: Perfect. Thanks for that. And, Michael, I definitely know these calls are recorded for quality and training purposes there as well. Now I do apologize for the time it's taken to to get you this document. Obviously,\n\nChannel 1: thousand.\n\nChannel 0: there's a few business changes in the meantime, plus the the issues with the insurances as well and then the Christmas break. So that's taken a bit longer to get everything together, but it's all sorted now, and I'll let you know what it sort of come through there. But I'll be sending this via your email at Mick Armstrong nineteen eighty three. Is that still correct?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Perfect. And that's at Gmail dot com. So that'll be in your inbox shortly. It sounds like you might be in the car or something like that as well. So\n\nChannel 1: Yep.\n\nChannel 0: don't feel like you have to open up while you're driving. But with this document here, we're coming by OdooSign, not the DocuSign we used regularly previously. And with that, you'll have attachments in that email. So you'll have a copy of your statement advice, the appendix, the insurance quotes within that as well, and then a PDF document for everything that was recommended. With that as well, you will have a link.\n\nAnd with that link, it is the signable document that includes the quotes if you're happy with everything, the ongoing service agreement if you are happy with everything, and then also the advice piece if you are happy to implement the advice as well. Now as far as the advice goes, so it is in line with best interest to you still there. So advice is we're bound by that to put you in a better position than where you currently are. As far as the advice piece itself, we're looking into superannuation, your insurances, and the estate planning side of things. As far as everything we touched on during conversation, we're not addressing currently.\n\nWe're not looking at trauma insurance because you didn't wanna look at that given the the out of pocket costs. We weren't touching on your cash flow and budgeting, retirement planning, and debt management at this time. But it is something that we're aware of based on your goals and what you are working towards, but we're not making a recommendation in regards to those, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. There is limited advice warning just to state as above, like, we're only touching on the super insurance and estate planning side of things. Everything else we're aware of, but we're not making that recommendation. There is on page six your goals and then a brief overview of the advice. So with that, we did review your current fund, your net wealth account compared to some other alternatives.\n\nIt's just worked out given the capital gains that is liable for your fund and net wealth itself. It's still like a valued product. You still got good user interface with, like, yourself if you're able to log on and have a look at your superannuation, track it, do your reporting, and have a little look and follow along. In addition to that one in terms of, like, cost and product features in the back end as well, it's still quite good.\n\nChannel 1: Yep.\n\nChannel 0: But we are recommending you do change your underlying investments with that, which I'll get on to in a bit. And then with that with the insurance side of things, now I know this was a bit of a bit of area of a concern there for you, Michael, given what did happen. But with that, we are recommending that you retain your income protection policy because that doesn't have those exclusions we're talking about during that pre assessment process, maintaining those,\n\nChannel 1: Yep.\n\nChannel 0: and then just reapplying reapplying for that life and TPD portion because the TPD you had currently is that activities daily living definition, which isn't too good versus, like, the any occupation you're eligible for there as well, which I'll touch on a little bit later as well. And then with that, setting up the beneficiary nominations for the recommended insurance, reviewing your will, making sure your power of attorney is all active and up to date as your will is part of that, which I know you do have a power of attorney in your will, in place.\n\nChannel 1: Yep.\n\nChannel 0: And just before I go into everything else there, Michael, in terms of, like, your circumstances, like your house, your car, your job, has anything changed since we sort of have been speaking over the, you know, the few months?\n\nChannel 1: Not really. Still still the same, I guess. Yeah.\n\nChannel 0: All largely unchanged. Yeah. Because we do\n\nChannel 1: Yep.\n\nChannel 0: have your details, obviously, listed about you. Obviously, the figures may have changed slightly with you paying down from your mortgage and things like that. But these figures, they're just based on, like, the previous discussions, but that doesn't really affect the advice piece too much anywhere. Now as\n\nChannel 1: Yep.\n\nChannel 0: far as the insurance you do have, you do have that Nios cover with the life TPD and income protection. Now it's the TPD that's very concerned because as I noticed when I was reviewing your account, that ADL definition, it's not a comprehensive definition, and it means that you have to be injured to the point where you can't look after yourself for your regular and day to day activities like getting dressed, feeding yourself, things like that, which is quite a strict definition. Now I'm not too sure the conversation you had back in 2019 there, Marco, but if you were explaining the definition of, like, ADL and activities daily living, would you have taken under that recommendation back in 2019 if that was explained to you a bit more clearly?\n\nChannel 1: Sorry. I was go again for me.\n\nChannel 0: So back in 2019 when you came on board and, like, had this presented, took out the income protection and the the insurances there. Now if it was explained to you what activities and daily living means in terms of a definition you have to meet for total permanent disability, given that, you'd know, you have to not be able to feed yourself, dress yourself, those sort of activities to meet the criteria to have that payout in the event that you were injured, would you have taken out that policy or, like, accepted\n\nChannel 1: Probably\n\nChannel 0: that\n\nChannel 1: not. No.\n\nChannel 0: recommendation? Yep. Understandable. Now my job here, basically, I'm not the one that deals with reviewing your account in the sense that as a business, they look over it and what was recommended back in 2019 versus the outcome from this advice. So my job here was to review and try and put you in a position where moving forward, your sort of for your current circumstances are adequately covered, but you still will end up with those exclusions.\n\nExclusions, but it's better than what you currently hold with that ADL. Now following the advice, if you were to accept it there, Michael, or if you weren't to accept it, There would be a committee that looks over your account as a whole, and I'd provide you a letter of offer from the advice you did receive in 2019 and how that has affected you from your position there to now, if that makes sense.\n\nChannel 1: Righty.\n\nChannel 0: Yep. So I can answer anything in regards to the recommendation once you go through it and have a read through it and have a look over it and see if you're happy with it or not. As far as what occurs from, like, that 2019 to now and then the exclusions that will apply to the new TPD or total current disability that weren't on your current policy or wouldn't have been potentially back in 2019, as I said, they will review it and provide you that letter of outcome from that. And I'm not too sure how long that will take, but they will be doing that in the back end just so you're aware. Now\n\nChannel 1: Yep.\n\nChannel 0: in terms of your risk profile, there was no change to your risk profile. You scored high growth. You are in a high growth portfolio. We just look at maintaining that. Now in terms of the recommendation, we are recommending that you move away from the that was underperforming the active managed fund and going more of an index approach, which is cheaper, which is gonna in turn lower your investment costs that you are paying.\n\nAnd then with that as well, your insurance premiums there will dip slightly in terms of what you're paying overall even though the policies are separated because you are rewriting that portion and you don't\n\nChannel 1: Yep.\n\nChannel 0: have because as it gets older, it obviously gets more expensive. And then with that, it obviously the recommended fund has been performing historically better. It is cheaper. And then with that, it takes out that managed risk that was that Benelon fund that isn't performing and didn't perform and had that issue back in November with their underlying\n\nChannel 1: Yep.\n\nChannel 0: investment. So I'll be getting rid of all of that. As I said, in terms of, like, maintaining the fund, you don't have to pay a full CGT. The cost of switching investments due to Benelon being down a little bit is only around that 200, a bit under dollars when switching everything around. And then moving forward, you'll actually have a lower ongoing cost.\n\nObviously, the risk of everything when you change investments is the time out of the market. There's no guarantee that the recommended portfolio will outperform your existing portfolio or the market scenarios that were presented in those, like, five year rolling averages because, obviously, the five years aren't gonna replicate year on year with that.\n\nChannel 1: Yep.\n\nChannel 0: Now with the main things that you do get, though, is that lower cost, better track record historically. And then with that, you're maintaining a similar allocation to the growth assets. You're just removing that manager risk, which in turn should remove some of that little bit of volatility as well and then the the market downsides have occurred recently.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And then within regards to the risk, obviously, when switching investments around, you got the time out in the market, those sort of things as well. Feel free to have a read through all that. I'm not gonna go too much into it given your time. Now in regards to the investments, on page 16, you'll be able to see what's selling down and what's purchasing in.\n\nSo with the the main sell downs, you'll have Benelong, which will be gone. That's an actively managed fund. With that, the iShares Misky, which is like an exposure to Australia, Europe, and you'll be replacing that with a cheaper or well excluding The US Vanguard alternative, which is a little bit cheaper.\n\nChannel 1: Yep.\n\nChannel 0: It still has the same exposure outside The US and then across those European regions. And then you'll be just reducing your exposure slightly in the Japan market there as well.\n\nChannel 1: Right.\n\nChannel 0: But everything else is largely staying the same because the\n\nChannel 1: Yeah.\n\nChannel 0: other assets have been performing apart from Hack did have a little bit of a a backward step like your cyber security side of things, but all AI and tech companies have taken a little bit of backward step this month. But they have a bit of conviction in those moving forward still as opposed to that been along. Now in regards to the allocation there, your proposed is sort of sitting a little bit higher in terms of, like, the amount of growth assets you do hold. But, obviously, these change and switch slightly depending on how, like, they do in the market and how they perform in your portfolio, which do skew these a little bit, but you'll have more allocation to those growth assets at a cheaper cost and having that indexed approach to if the markets are doing well, your portfolio is doing well. If they're not doing too great, you sort of just follow the market.\n\nYou're not picking those winners and losers, which what that management risk carries as well. You still have your defensive portions there as well with your bank hybrids, and then you'll also have your alternative goals, which is a bit of a split. You're not entirely growth or defensive with the gold. It does have the capital nature of growth, but also in those market downturns tends to go up as well because people go back to that harder currency.\n\nChannel 1: Yep.\n\nChannel 0: Any questions in regards to the investments or super side of things\n\nChannel 1: Now I'm pretty happy to take on your recommendation.\n\nChannel 0: there, Michael? Perfect. Now the more important section, that insurance side of things, we are looking at maintaining that IP portion. It is a little bit less than what your current 70% of your current income. Now I know a lot of your income goes towards additionally paying down the mortgage.\n\nSo the way to sort of bridge that gap is either you can look at sorta, you know, building up a bit more self insurance by building up a bit of a redraw on that to cover the sort of difference. There also is the option when it comes to the policy renewal if you'd like. When that does come up, you get that email the thirty days before the policy renewal. You do have the option for future increases if your income has increased above, like, what you're currently insured for, and that can go up to 15% of that without a level of underwriting. Because given that we don't wanna go through underwriting to get any more exclusions on that IP policy, we can look at doing that future increase if you'd like.\n\nBut in term, we're just looking at keeping the same for now because going through a new policy, the level that you'd be applying for to bridge the gap isn't a huge amount, and it would be worth having a separate IP policy that you'd be paying for. And then we're just looking\n\nChannel 1: Yep.\n\nChannel 0: at rewriting the life and total permanent disability, And then that's for the same amount that you're currently covered for, which is in line with your your current needs given your debt, income replacement, things like that as well. And it\n\nChannel 1: Yep.\n\nChannel 0: actually comes out as a cheaper plus. Obviously, disadvantage with that. The life standard because life's life, that you will have that lower back and bilateral knee exclusion with that one given, you know, the injuries and then also the arthroscopic clean out of the other knee that was injured previously and then the sciatica. Now the risk with these, obviously, Michael, is given that it's two or three depending on if they considered bilateral or two separate exclusions, that's three. If you get four exclusions or loadings or more, there's a risk of decline.\n\nSo if you haven't disclosed anything else that we aren't previously aware of during that pre assessment process, if something else does come up during that application stage, it might result in the decline because it's too at the current with the bilateral that they're considering, but it may be split that you'd have one for each knee and the back. And then if you get one more on top of that, then it would be at risk of decline. So that's one of the main risk factors there. But in\n\nChannel 1: Sorry.\n\nChannel 0: saying\n\nChannel 1: Say that\n\nChannel 0: that\n\nChannel 1: again. Sorry.\n\nChannel 0: Yep. So with the the way they do exclusions and loadings, if you have four exclusions or loadings, like a combination of, it can be a risk of decline. Like, they don't want the policy because it's too sort of risky in terms of, like, what could occur. But in saying that now, you've got one for the back and then you've got one for your bilateral knee. So they consider it one because it's both knees if they do bilateral.\n\nBut if they consider it as two separate exclusions for each knee, then you've got three. And then if anything else did come up in terms of, like, something you didn't disclose to us during that pre assessment pros like, progress process, sorry, then it may result in a decline if you didn't disclose anything that you would disclose during that application stage, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So, obviously, we're aware of the two knees and the the sciatica, which is those three. At a a max, it might be two if they consider it bilateral. And then if there's anything on top of that, then you're sort of getting up there and at risk of that. But, otherwise, it should be fine if it's just those. The benefits\n\nChannel 1: Yep.\n\nChannel 0: of it, even though you've got two split across two different providers, so the life and TPD would be with MetLife. It is cheaper. It would be in two separate spots, so it is a little bit more administratively a bit more annoying, but it worked out to be cheaper, more comprehensive than not only your current policy if it was in place, but it just rewriting with Neos there as well.\n\nChannel 1: Yep.\n\nChannel 0: Now with that, it's obviously not the the best circumstances, but moving forward, we wanna make sure you don't have that ADL definition on your policy. Because if you were to hurt yourself to a point where you couldn't work, but you can still, like, afford to, like, you know, dress yourself, cook, clean for yourself, care for yourself, then you still wouldn't meet the definition under your current policy. So we wanna get your policy. Even though it would have the exclusions, it's still better than the definition of your current TPD policy.\n\nChannel 1: Yep.\n\nChannel 0: TPD policy. Now in regards to that, it does show your needs analysis there and how they've come to that. Obviously, in regards to the income protection side of things, you're about a thousand dollars a month sort of off what your income would suggest being on a 100 and sixteen thousand and seventy percent of that. But as I said, you can look to do a 15% increase, which gets you a little bit closer or work on that self in which\n\nChannel 1: My\n\nChannel 0: oh.\n\nChannel 1: I'm I'm I'm recently out of pay. Right? I'm at a 130,000 now.\n\nChannel 0: $1.30.\n\nChannel 1: Yeah. Does that make a lot of difference to anything?\n\nChannel 0: Well, given that you're still, like, covered for the the amount that you are covered for, we aren't recommending changing that. We're looking at retaining that IP portion. The options there, we can look at doing a top up to bridge the difference, or you can just look at doing that 15% increase. Now 15% increase isn't obviously gonna get you close to one like, 70% of the one thirty. But what it does, it gives you an increase that isn't gonna go through an level of underwriting, if that makes sense.\n\nChannel 1: Happy to take a recommendation because I really don't yeah.\n\nChannel 0: Yep. So I'll give you the sort of figures and what that sort of looks like. So if you wait till the policy anniversary and do the future increase given your income, that has gone up. So currently,\n\nChannel 1: Yep.\n\nChannel 0: you're around the $5,568 as a monthly benefit if something were to happen. If you did an extra\n\nChannel 1: Yep.\n\nChannel 0: 15% of that, you're looking at, like, another $805. So there it, like, doesn't get you close to what 70% of your current income would be, but it gets you a little bit closer. So you'd be looking at around a $6,400 a month monthly benefit. Whereas if you did 70\n\nChannel 1: Yep.\n\nChannel 0: percent of your your current income, and I'll just work out what that is. Bear with me. Then you'd be looking at more like a 7,500. So you'd still have that thousand dollar shortfall, but then the next year after that, I don't believe there is a limit. You look at doing another 15% increase as well to try and keep getting a little bit closer, and it does CPI up each year in terms of, like,\n\nChannel 1: Yep.\n\nChannel 0: the dollar figure does go up with, like, the inflationary or, like, the figure that they deem as well. But as long as you could survive off currently the 5,500, if something were to go wrong in terms of, like, paying for the the mortgage and your general expenses, it doesn't mean that you have to increase your cover. If you're comfortable if something were to go wrong that you're just on that base amount of getting the $5.50, you know, with the minus the taxes to cover, you know, your your mortgage and things like that as well, then it's more than adequate. Otherwise, we could look at doing some form of pop up cover, which would have those exclusions, if that makes sense.\n\nChannel 1: Yeah. I don't really like what do you think?\n\nChannel 0: Well,\n\nChannel 1: You can't really\n\nChannel 0: if\n\nChannel 1: say?\n\nChannel 0: yeah. No. Well, I I would look at doing when it comes around that policy anniversary just because you've already got the policy, looking at doing that future increase or the circumstance increase just to to bump that up. And then\n\nChannel 1: Yep.\n\nChannel 0: if you were to rewrite, the the difference there is you're probably looking at doing just a policy for a couple of thousand dollars that would have the exclusion for the knees and then also the back as well. Currently, if you were to, like, have to go off for your your knees due to them being injured, your current policy should cover that. And it's entirely\n\nChannel 1: Yep.\n\nChannel 0: same with the back, but even if you did a top up policy, it wouldn't cover you for that because you'd have those exclusions. And then if something were to occur where you'd take both, you'd have, like, one in conjunction with the other, and then you'd just\n\nChannel 1: Yep.\n\nChannel 0: have to pay having the dual premium. So you'd probably definitely wanna do the the future increase because you're increasing it without underwriting. But it isn't till the tenth of this year that you could look at doing that.\n\nChannel 1: October.\n\nChannel 0: And that way yeah. Yeah. So and then you'd look at increasing that level of cover that doesn't have those exclusions, no level of underwriting, and it's more comprehensive than if you were\n\nChannel 1: Yep.\n\nChannel 0: to do look at doing a separate policy. And then that way, if you did that this year, it gets you much closer that there's only around a thousand dollar difference even based on your sort of new new income.\n\nChannel 1: Yeah. I know. I just like, you're talking a lot of gibberish to me at the moment, to be honest. So I'll just say, yes. Just go with what yeah.\n\nWhatever you think.\n\nChannel 0: Yeah. I'll just put a reminder in my calendar, and I'll touch base, like, just around October when that policy does set for renewal. And then we'll\n\nChannel 1: Yep.\n\nChannel 0: do that process. And when that figure comes out, we can have a bit more of a discussion around if you'd wanna look at doing another income protection policy to help top it up, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Because\n\nChannel 1: Yep.\n\nChannel 0: I know at the moment, you're sort of putting most of your income towards extra payments on the mortgage to get that down quicker anyway.\n\nChannel 1: Yep.\n\nChannel 0: So you probably you probably got a little bit of a redraw sitting there at the moment or some level that you could could draw down on if something were to go\n\nChannel 1: It's a little bit there, but but, yeah, not not hate.\n\nChannel 0: south.\n\nChannel 1: Obviously,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: fingers crossed, nothing goes wrong.\n\nChannel 0: Yeah. Exactly. So that's like the other option is like putting more money on that to have that level of drawdown if something were to go wrong as well to also or is that sort of you're paying an extra few $100 a week towards your your mortgage or an offset\n\nChannel 1: Yep.\n\nChannel 0: account? That's sort of money aside as well that if something went wrong, you could use to somewhat fund, you know, living expenses as well, even bridge the gaps for for waiting periods for your income protection, things like that as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yeah. So feel free to have a read through all that as well as just like you said, there is a lot coming at you all at once, so feel free to definitely have a read through it. Now\n\nChannel 1: Yep.\n\nChannel 0: within regards to that as well as obviously benefits and disadvantages of that, the benefit is you have a more comprehensive total permanent disability definition even though you do have those exclusions, and then you're maintaining that income protection that doesn't have those exclusions, and then you're getting rid of that Neos life and TPD. And then with that, it is saving you a little bit of money at the end of the day there as well. There\n\nChannel 1: Yep.\n\nChannel 0: also is a a little bit here about life insurance through superannuation and the cost of that and how that affects, like, retirement outcomes. Obviously, it's still quite affordable given your level of income and your contributions going in now, but as you do get older, it does get more expensive, and we, you know, just like to keep an eye on that as well. It's\n\nChannel 1: Yep.\n\nChannel 0: something to be mindful of when increasing or doing separate. That's why we decided in turn not to do a top up for the income protection side of things just because income protection is the more expensive insurance, and even having a a smaller policy there can add up quite a bit in terms of that in terms\n\nChannel 1: Yep.\n\nChannel 0: of cost that you are paying out of your superannuation at the end of the day. With\n\nChannel 1: Yep.\n\nChannel 0: the beneficiary nominations, we're just saying similar to your your superannuation that you currently hold, just nominating your your son Blake there in the event anything did happen for that MetLife policy. And then\n\nChannel 1: Yep.\n\nChannel 0: they're also a little bit about wills and a power of attorney here, just reviewing those, make sure they're up to date and everything. You know, having even though if anything's amicable, having an ex partner, things like that, if something were to go wrong, ex spouses and partners and estates don't don't really mix generally. Not to say that your ex would potentially try and take anything from your your son, given that you'd probably want him to be the sole beneficiary, but, you know, money does sort of bring out the worst in people, so it's important to have those all up to\n\nChannel 1: Yep.\n\nChannel 0: date. And then in regards to if you were happy with everything, there is a disclosure for the remuneration we do receive. We do get still 66% of the upfront premiums that you do pay, which works out to be $533. Now that's not an additional cost to the premium that is disclosed there. It's just what the insurer pays us for setting up the policy, doing the application, setting it up, maintaining it.\n\nIn addition to that, we do get the trailing, which is 22% of those premiums for the MetLife and policy and then 1.65 for managing of the superannuation, which all is disclosed there in terms of your ongoing fees. So it works at the around 3,300 in terms of our total remuneration, a little bit under that for what we get. And if you were happy with everything, Michael, we'd change the underlying investments in the background for you. We'd get you booked in for that application process to do those insurances and get that all sorted. Once that was done there, we would look at removing the life and TBD portion from that Neos cover.\n\nWe wouldn't do that before we got your cover in place because we don't wanna look at getting rid of that and leaving you under insured in the meantime. And then\n\nChannel 1: Yep.\n\nChannel 0: in regards to the beneficiaries and seeing up here or reviewing real, sorry, and the power of attorney, that is up to you and your your own time. We can obviously send you the forms, but I can't force you to go see a solicitor and revise your will.\n\nChannel 1: Yep.\n\nChannel 0: But, obviously, it's a lot\n\nChannel 1: Yep.\n\nChannel 0: of information coming at you quite quickly there, Michael, in terms of everything. But do you have any questions currently? Obviously, I was a bit sort of stretched for for time there to try and get through everything with you, but anything else that jumps out that you wanted to have a chat about?\n\nChannel 1: Not really. I'm sorry. You're trying to help me out and make it best for me, so I'm pretty happy to go with what you think. It's not gonna be\n\nChannel 0: Yep.\n\nChannel 1: anything. Like, I'm not gonna notice massive differences in terms of money coming out or anything, am I, compared to what it has been?\n\nChannel 0: No. In terms of, like, cost wise, you're actually saving on investment costs with the recommended update. You do pay a little bit with the capital gains and switching up those few investments, but only a few $100. And then in terms of, like, the cost of the premiums for insurances, it actually dropped a little bit overall\n\nChannel 1: Yep.\n\nChannel 0: as well. Even though as I said, you do get those exclusions on the policy, overall, you're paying paying less, and you do have a more comprehensive definition for your total permanent disability. It just means that those the knees and the lower back are excluded on that policy.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So those are the\n\nChannel 1: Yep.\n\nChannel 0: the key differences. Yeah. So overall, you'd probably save around $5.40 ish dollars in terms of, like, the costs ongoing from what you save on the insurances and then also the investment fees there as well.\n\nChannel 1: I'm good. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Well, I'm all good. I went on the I think I saw in that form that you sent me, so it should be\n\nChannel 0: Okay.\n\nChannel 1: all good to go.\n\nChannel 0: Do you want some time, like, when we put a hold on it a little bit until you've had a chance to read through it and make sure you are happy with everything, come back with any\n\nChannel 1: And\n\nChannel 0: questions\n\nChannel 1: to go\n\nChannel 0: you\n\nChannel 1: to\n\nChannel 0: might have?\n\nChannel 1: to be honest, I'm just happy to go with what's what you've said. Yeah. I'm probably not really not understanding anyway, so I'll just go with what's going.\n\nChannel 0: Yep. Not a problem. If you do have any questions or come back with anything, there is a quite simple piece of advice at the end of the day there, Michael, in terms of, like, retraining your super, doing a little update with the investments, getting you the life and TPD portion that you, like, will be able to potentially claim on the future as opposed to ADL definition. Those, pardon me, are the key changes with that one.\n\nChannel 1: Cool. Not perfect, Javier.\n\nChannel 0: From there, obviously, we'll be in touch, or I can even book in a time to go through that personal statement for the insurances. Is there a time that sort of best suits you sort of maybe end of this week, start of next week?\n\nChannel 1: What's that for? Sorry.\n\nChannel 0: The the personal statement just for the insurances applying for that new cover even sometime even the same time next week maybe potentially?\n\nChannel 1: Yeah. That should be fine.\n\nChannel 0: Yep. I'll chuck that down. And then if you do have any questions from, like, the document having a look through that in the meantime, if you do have happen to have a look over over the weekend, feel free to just let them know during that booking, and I can probably maybe spare a few minutes to jump on and answer any questions you might have.\n\nChannel 1: Yep. No worries.\n\nChannel 0: No problems, Michael. Well, thanks for your time this afternoon. I hope you enjoy the rest of your afternoon, and then we yeah. We'll we'll chat soon.\n\nChannel 1: Appreciate it. Thank you.\n\nChannel 0: Thanks, mate. Bye.\n\nChannel 1: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.06262201070785522}],"sentiment":"neutral","sentiment_score":0.06262201070785522,"channel":1,"num_words":1,"start":1.5999999,"end":2.1},{"sentences":[{"text":"Good afternoon, Michael.","start":2.56,"end":3.4399998,"sentiment":"positive","sentiment_score":0.3556581437587738},{"text":"It's Carl calling from ICU Financial.","start":3.4399998,"end":5.12,"sentiment":"neutral","sentiment_score":0.2613329291343689},{"text":"How are you today?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.315444678068161}],"sentiment":"neutral","sentiment_score":0.2997500552580907,"channel":0,"num_words":13,"start":2.56,"end":6.02},{"sentences":[{"text":"Thank you.","start":6.64,"end":7.2,"sentiment":"positive","sentiment_score":0.5199340581893921},{"text":"Yourself?","start":7.2,"end":7.7,"sentiment":"neutral","sentiment_score":0.2626417875289917}],"sentiment":"positive","sentiment_score":0.4341699679692586,"channel":1,"num_words":3,"start":6.64,"end":7.7},{"sentences":[{"text":"Yeah.","start":8.24,"end":8.48,"sentiment":"neutral","sentiment_score":0.2569187879562378},{"text":"Not too bad at all.","start":8.48,"end":9.36,"sentiment":"neutral","sentiment_score":0.29129173755645754},{"text":"I've got you scheduled in to go through that statement advice piece this afternoon.","start":9.36,"end":12.795,"sentiment":"positive","sentiment_score":0.3759030039821352},{"text":"Is now still a good time","start":12.795,"end":15.155,"sentiment":"positive","sentiment_score":0.36800506214300793}],"sentiment":"positive","sentiment_score":0.3532326886287102,"channel":0,"num_words":26,"start":8.24,"end":15.155},{"sentences":[{"text":"Yep.","start":15.195,"end":15.695,"sentiment":"neutral","sentiment_score":0.17269989848136902},{"text":"How long","start":15.755,"end":16.475,"sentiment":"neutral","sentiment_score":0.03412639070302248}],"sentiment":"neutral","sentiment_score":0.08031755996247132,"channel":1,"num_words":3,"start":15.195,"end":16.475},{"sentences":[{"text":"for","start":16.035,"end":16.535,"sentiment":"neutral","sentiment_score":0.04477229341864586}],"sentiment":"neutral","sentiment_score":0.04477229341864586,"channel":0,"num_words":1,"start":16.035,"end":16.535},{"sentences":[{"text":"are you talking?","start":16.475,"end":17.215,"sentiment":"neutral","sentiment_score":0.008532321701447168}],"sentiment":"neutral","sentiment_score":0.008532321701447168,"channel":1,"num_words":3,"start":16.475,"end":17.215},{"sentences":[{"text":"you?","start":17.415,"end":17.915,"sentiment":"neutral","sentiment_score":0.008550720289349556},{"text":"It depends how much time you have.","start":18.795,"end":20.635,"sentiment":"neutral","sentiment_score":0.008127957050289427},{"text":"So I can go through, like, a brief overview, and you can have some time to read over it and then come back with any questions.","start":20.635,"end":25.915,"sentiment":"neutral","sentiment_score":0.10434990347577976},{"text":"Or if you've got a bit more time, it could be around that sort of thirty plus minute mark if you wanna go a bit more in-depth, have a few questions in regards to what is explained and presented.","start":25.915,"end":34.47,"sentiment":"neutral","sentiment_score":0.06503609625192788}],"sentiment":"neutral","sentiment_score":0.07280755703886078,"channel":0,"num_words":73,"start":17.415,"end":34.47},{"sentences":[{"text":"Probably the brief one would do me.","start":35.27,"end":37.03,"sentiment":"neutral","sentiment_score":0.10229150205850601},{"text":"Thank you.","start":37.03,"end":37.77,"sentiment":"positive","sentiment_score":0.4738673269748688}],"sentiment":"neutral","sentiment_score":0.18486390759547552,"channel":1,"num_words":9,"start":35.27,"end":37.77},{"sentences":[{"text":"Yep.","start":38.29,"end":38.690002,"sentiment":"neutral","sentiment_score":0.2146916091442108},{"text":"Not a problem at all.","start":38.690002,"end":39.91,"sentiment":"neutral","sentiment_score":0.2855371743440628},{"text":"Now just before we jump into that today then, Mike, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today.","start":40.37,"end":46.965,"sentiment":"neutral","sentiment_score":0.11146364076172605}],"sentiment":"neutral","sentiment_score":0.13580353166908027,"channel":0,"num_words":40,"start":38.29,"end":46.965},{"sentences":[{"text":"Michael Armstrong.","start":48.245003,"end":49.225002,"sentiment":"neutral","sentiment_score":0.020360480062663555},{"text":"1983.","start":49.525,"end":51.785,"sentiment":"neutral","sentiment_score":0.025455692782998085},{"text":"1 Of 20 Churchill Circuit, Hamilton","start":52.325,"end":56.07,"sentiment":"neutral","sentiment_score":0.04164257521430651}],"sentiment":"neutral","sentiment_score":0.03511467824379603,"channel":1,"num_words":9,"start":48.245003,"end":56.07},{"sentences":[{"text":"Perfect.","start":57.665,"end":58.065,"sentiment":"neutral","sentiment_score":0.2807322144508362},{"text":"Thanks for that.","start":58.065,"end":58.51,"sentiment":"positive","sentiment_score":0.5182454586029053},{"text":"And, Michael, I definitely know these calls are recorded for quality and training purposes there as well.","start":58.51,"end":62.289997,"sentiment":"neutral","sentiment_score":0.1376004604732289},{"text":"Now I do apologize for the time it's taken to to get you this document.","start":62.51,"end":65.79,"sentiment":"neutral","sentiment_score":-0.17136365125576655},{"text":"Obviously,","start":65.79,"end":66.11,"sentiment":"neutral","sentiment_score":-0.12841561436653137}],"sentiment":"neutral","sentiment_score":0.039886649597335504,"channel":0,"num_words":37,"start":57.665,"end":66.11},{"sentences":[{"text":"thousand.","start":65.81,"end":66.31,"sentiment":"neutral","sentiment_score":-0.1301010549068451}],"sentiment":"neutral","sentiment_score":-0.1301010549068451,"channel":1,"num_words":1,"start":65.81,"end":66.31},{"sentences":[{"text":"there's a few business changes in the meantime, plus the the issues with the insurances as well and then the Christmas break.","start":66.11,"end":71.31,"sentiment":"neutral","sentiment_score":-0.1710458811033856},{"text":"So that's taken a bit longer to get everything together, but it's all sorted now, and I'll let you know what it sort of come through there.","start":71.31,"end":77.745,"sentiment":"neutral","sentiment_score":-0.040116955474432975},{"text":"But I'll be sending this via your email at Mick Armstrong nineteen eighty three.","start":77.745,"end":82.725006,"sentiment":"neutral","sentiment_score":0.07480959328157562},{"text":"Is that still correct?","start":82.785,"end":83.925,"sentiment":"neutral","sentiment_score":0.07868039701133966}],"sentiment":"neutral","sentiment_score":-0.05200166101636949,"channel":0,"num_words":67,"start":66.11,"end":83.925},{"sentences":[{"text":"Yeah.","start":84.64,"end":84.88,"sentiment":"neutral","sentiment_score":0.09311439096927644},{"text":"That's correct.","start":84.88,"end":85.7,"sentiment":"neutral","sentiment_score":0.17019468545913696}],"sentiment":"neutral","sentiment_score":0.14450125396251678,"channel":1,"num_words":3,"start":84.64,"end":85.7},{"sentences":[{"text":"Perfect.","start":86.705,"end":87.105,"sentiment":"positive","sentiment_score":0.35754889249801636},{"text":"And that's at Gmail dot com.","start":87.105,"end":88.520004,"sentiment":"neutral","sentiment_score":0.1934355472524961},{"text":"So that'll be in your inbox shortly.","start":88.520004,"end":90.28,"sentiment":"neutral","sentiment_score":0.23891122213431767},{"text":"It sounds like you might be in the car or something like that as well.","start":90.28,"end":92.94,"sentiment":"neutral","sentiment_score":0.07495137726267179},{"text":"So","start":93.48,"end":93.72,"sentiment":"neutral","sentiment_score":0.07695978134870529}],"sentiment":"neutral","sentiment_score":0.1463923723747333,"channel":0,"num_words":30,"start":86.705,"end":93.72},{"sentences":[{"text":"Yep.","start":93.68,"end":94.18,"sentiment":"neutral","sentiment_score":0.05070618912577629}],"sentiment":"neutral","sentiment_score":0.05070618912577629,"channel":1,"num_words":1,"start":93.68,"end":94.18},{"sentences":[{"text":"don't feel like you have to open up while you're driving.","start":93.72,"end":95.64,"sentiment":"neutral","sentiment_score":-0.02794797443361445},{"text":"But with this document here, we're coming by OdooSign, not the DocuSign we used regularly previously.","start":95.64,"end":100.94,"sentiment":"neutral","sentiment_score":0.07406660658307374},{"text":"And with that, you'll have attachments in that email.","start":102.12,"end":105.33501,"sentiment":"neutral","sentiment_score":0.07757442341082627},{"text":"So you'll have a copy of your statement advice, the appendix, the insurance quotes within that as well, and then a PDF document for everything that was recommended.","start":105.33501,"end":112.875,"sentiment":"neutral","sentiment_score":0.18834939199898923},{"text":"With that as well, you will have a link.","start":113.33501,"end":115.33501,"sentiment":"neutral","sentiment_score":0.21200531058841282}],"sentiment":"neutral","sentiment_score":0.11996765162362015,"channel":0,"num_words":73,"start":93.72,"end":115.33501},{"sentences":[{"text":"And with that link, it is the signable document that includes the quotes if you're happy with everything, the ongoing service agreement if you are happy with everything, and then also the advice piece if you are happy to implement the advice as well.","start":115.33501,"end":126.270004,"sentiment":"neutral","sentiment_score":0.3194414929232814},{"text":"Now as far as the advice goes, so it is in line with best interest to you still there.","start":126.490005,"end":131.305,"sentiment":"positive","sentiment_score":0.3819824308156967},{"text":"So advice is we're bound by that to put you in a better position than where you currently are.","start":131.305,"end":135.405,"sentiment":"positive","sentiment_score":0.4345951535199818},{"text":"As far as the advice piece itself, we're looking into superannuation, your insurances, and the estate planning side of things.","start":135.465,"end":141.405,"sentiment":"neutral","sentiment_score":0.07638524640351534},{"text":"As far as everything we touched on during conversation, we're not addressing currently.","start":141.545,"end":145.74,"sentiment":"neutral","sentiment_score":-0.10634093043895868}],"sentiment":"neutral","sentiment_score":0.2583971532466619,"channel":0,"num_words":115,"start":115.33501,"end":145.74},{"sentences":[{"text":"We're not looking at trauma insurance because you didn't wanna look at that given the the out of pocket costs.","start":145.96,"end":150.28,"sentiment":"neutral","sentiment_score":-0.2792351096868515},{"text":"We weren't touching on your cash flow and budgeting, retirement planning, and debt management at this time.","start":150.28,"end":155.16,"sentiment":"neutral","sentiment_score":-0.2282676512704176},{"text":"But it is something that we're aware of based on your goals and what you are working towards, but we're not making a recommendation in regards to those, if that makes sense.","start":155.16,"end":162.10501,"sentiment":"neutral","sentiment_score":-0.16240762220695615}],"sentiment":"neutral","sentiment_score":-0.21249704602835834,"channel":0,"num_words":69,"start":145.96,"end":162.10501},{"sentences":[{"text":"Yep.","start":162.895,"end":163.395,"sentiment":"neutral","sentiment_score":0.09257706999778748}],"sentiment":"neutral","sentiment_score":0.09257706999778748,"channel":1,"num_words":1,"start":162.895,"end":163.395},{"sentences":[{"text":"Perfect.","start":164.325,"end":164.825,"sentiment":"neutral","sentiment_score":0.29223859310150146},{"text":"There is limited advice warning just to state as above, like, we're only touching on the super insurance and estate planning side of things.","start":164.88501,"end":171.205,"sentiment":"neutral","sentiment_score":-0.07687463735540707},{"text":"Everything else we're aware of, but we're not making that recommendation.","start":171.205,"end":174.14,"sentiment":"neutral","sentiment_score":-0.1597116765650836},{"text":"There is on page six your goals and then a brief overview of the advice.","start":174.52,"end":178.2,"sentiment":"neutral","sentiment_score":0.018893871208031973},{"text":"So with that, we did review your current fund, your net wealth account compared to some other alternatives.","start":178.2,"end":183.64,"sentiment":"neutral","sentiment_score":0.11364176186422507}],"sentiment":"neutral","sentiment_score":-0.01421190382561822,"channel":0,"num_words":69,"start":164.325,"end":183.64},{"sentences":[{"text":"It's just worked out given the capital gains that is liable for your fund and net wealth itself.","start":183.64,"end":187.575,"sentiment":"neutral","sentiment_score":0.1624084615872966},{"text":"It's still like a valued product.","start":187.575,"end":189.015,"sentiment":"positive","sentiment_score":0.42545418441295624},{"text":"You still got good user interface with, like, yourself if you're able to log on and have a look at your superannuation, track it, do your reporting, and have a little look and follow along.","start":189.015,"end":197.675,"sentiment":"positive","sentiment_score":0.34264777089868276},{"text":"In addition to that one in terms of, like, cost and product features in the back end as well, it's still quite good.","start":197.975,"end":202.74,"sentiment":"positive","sentiment_score":0.5243549463541611}],"sentiment":"positive","sentiment_score":0.36010869710547166,"channel":0,"num_words":82,"start":183.64,"end":202.74},{"sentences":[{"text":"Yep.","start":203.5,"end":204.0,"sentiment":"neutral","sentiment_score":0.23769252002239227}],"sentiment":"neutral","sentiment_score":0.23769252002239227,"channel":1,"num_words":1,"start":203.5,"end":204.0},{"sentences":[{"text":"But we are recommending you do change your underlying investments with that, which I'll get on to in a bit.","start":203.52,"end":207.78,"sentiment":"neutral","sentiment_score":0.21423456035554408},{"text":"And then with that with the insurance side of things, now I know this was a bit of a bit of area of a concern there for you, Michael, given what did happen.","start":208.08,"end":216.665,"sentiment":"neutral","sentiment_score":-0.0414622775420095},{"text":"But with that, we are recommending that you retain your income protection policy because that doesn't have those exclusions we're talking about during that pre assessment process, maintaining those,","start":216.665,"end":225.14499,"sentiment":"neutral","sentiment_score":0.1205266688404412}],"sentiment":"neutral","sentiment_score":0.07819157859265077,"channel":0,"num_words":82,"start":203.52,"end":225.14499},{"sentences":[{"text":"Yep.","start":224.94,"end":225.44,"sentiment":"neutral","sentiment_score":0.2619667053222656}],"sentiment":"neutral","sentiment_score":0.2619667053222656,"channel":1,"num_words":1,"start":224.94,"end":225.44},{"sentences":[{"text":"and then just reapplying reapplying for that life and TPD portion because the TPD you had currently is that activities daily living definition, which isn't too good versus, like, the any occupation you're eligible for there as well, which I'll touch on a little bit later as well.","start":225.14499,"end":239.9,"sentiment":"neutral","sentiment_score":0.1532088229432702},{"text":"And then with that, setting up the beneficiary nominations for the recommended insurance, reviewing your will, making sure your power of attorney is all active and up to date as your will is part of that, which I know you do have a power of attorney in your will, in place.","start":240.2,"end":253.25499,"sentiment":"neutral","sentiment_score":0.22520048711814133}],"sentiment":"neutral","sentiment_score":0.19029543782123412,"channel":0,"num_words":99,"start":225.14499,"end":253.25499},{"sentences":[{"text":"Yep.","start":254.54999,"end":255.04999,"sentiment":"neutral","sentiment_score":0.16354650259017944}],"sentiment":"neutral","sentiment_score":0.16354650259017944,"channel":1,"num_words":1,"start":254.54999,"end":255.04999},{"sentences":[{"text":"And just before I go into everything else there, Michael, in terms of, like, your circumstances, like your house, your car, your job, has anything changed since we sort of have been speaking over the, you know, the few months?","start":254.58,"end":265.88,"sentiment":"neutral","sentiment_score":-0.04302174136973917}],"sentiment":"neutral","sentiment_score":-0.04302174136973917,"channel":0,"num_words":40,"start":254.58,"end":265.88},{"sentences":[{"text":"Not really.","start":267.07498,"end":267.715,"sentiment":"negative","sentiment_score":-0.37065254151821136},{"text":"Still still the same, I guess.","start":267.715,"end":269.235,"sentiment":"neutral","sentiment_score":-0.13598341743151346},{"text":"Yeah.","start":269.235,"end":269.735,"sentiment":"neutral","sentiment_score":0.05907333269715309}],"sentiment":"neutral","sentiment_score":-0.16645913943648338,"channel":1,"num_words":9,"start":267.07498,"end":269.735},{"sentences":[{"text":"All largely unchanged.","start":269.85498,"end":270.995,"sentiment":"neutral","sentiment_score":0.11786973476409912},{"text":"Yeah.","start":271.055,"end":271.555,"sentiment":"neutral","sentiment_score":0.23011639714241028},{"text":"Because we do","start":271.935,"end":272.495,"sentiment":"neutral","sentiment_score":0.2117874175310135}],"sentiment":"neutral","sentiment_score":0.17415540771824972,"channel":0,"num_words":7,"start":269.85498,"end":272.495},{"sentences":[{"text":"Yep.","start":272.435,"end":272.935,"sentiment":"neutral","sentiment_score":0.25921911001205444}],"sentiment":"neutral","sentiment_score":0.25921911001205444,"channel":1,"num_words":1,"start":272.435,"end":272.935},{"sentences":[{"text":"have your details, obviously, listed about you.","start":272.495,"end":274.995,"sentiment":"neutral","sentiment_score":0.2644123945917402},{"text":"Obviously, the figures may have changed slightly with you paying down from your mortgage and things like that.","start":275.13498,"end":279.315,"sentiment":"neutral","sentiment_score":0.01919709166718854},{"text":"But these figures, they're just based on, like, the previous discussions, but that doesn't really affect the advice piece too much anywhere.","start":280.41498,"end":286.37,"sentiment":"neutral","sentiment_score":0.04439783502708782},{"text":"Now as","start":286.91,"end":287.47,"sentiment":"neutral","sentiment_score":0.20394129306077957}],"sentiment":"neutral","sentiment_score":0.07308304834426665,"channel":0,"num_words":49,"start":272.495,"end":287.47},{"sentences":[{"text":"Yep.","start":287.37997,"end":287.87997,"sentiment":"neutral","sentiment_score":0.2384064793586731}],"sentiment":"neutral","sentiment_score":0.2384064793586731,"channel":1,"num_words":1,"start":287.37997,"end":287.87997},{"sentences":[{"text":"far as the insurance you do have, you do have that Nios cover with the life TPD and income protection.","start":287.47,"end":292.77,"sentiment":"neutral","sentiment_score":0.24413854107260705},{"text":"Now it's the TPD that's very concerned because as I noticed when I was reviewing your account, that ADL definition, it's not a comprehensive definition, and it means that you have to be injured to the point where you can't look after yourself for your regular and day to day activities like getting dressed, feeding yourself, things like that, which is quite a strict definition.","start":293.07,"end":310.535,"sentiment":"negative","sentiment_score":-0.39479804864296547},{"text":"Now I'm not too sure the conversation you had back in 2019 there, Marco, but if you were explaining the definition of, like, ADL and activities daily living, would you have taken under that recommendation back in 2019 if that was explained to you a bit more clearly?","start":311.155,"end":324.53998,"sentiment":"neutral","sentiment_score":-0.15457812789827585}],"sentiment":"neutral","sentiment_score":-0.21202144721396884,"channel":0,"num_words":133,"start":287.47,"end":324.53998},{"sentences":[{"text":"Sorry.","start":326.955,"end":327.275,"sentiment":"neutral","sentiment_score":-0.2730233669281006},{"text":"I was go again for me.","start":327.275,"end":329.455,"sentiment":"neutral","sentiment_score":-0.27047721048196155}],"sentiment":"neutral","sentiment_score":-0.2708409471171243,"channel":1,"num_words":7,"start":326.955,"end":329.455},{"sentences":[{"text":"So back in 2019 when you came on board and, like, had this presented, took out the income protection and the the insurances there.","start":330.225,"end":337.26498,"sentiment":"neutral","sentiment_score":-0.18337785390516123},{"text":"Now if it was explained to you what activities and daily living means in terms of a definition you have to meet for total permanent disability, given that, you'd know, you have to not be able to feed yourself, dress yourself, those sort of activities to meet the criteria to have that payout in the event that you were injured, would you have taken out that policy or, like, accepted","start":337.26498,"end":357.045,"sentiment":"neutral","sentiment_score":-0.24619457402399608}],"sentiment":"neutral","sentiment_score":-0.23015626250429355,"channel":0,"num_words":94,"start":330.225,"end":357.045},{"sentences":[{"text":"Probably","start":358.915,"end":359.39502,"sentiment":"neutral","sentiment_score":-0.2748222351074219}],"sentiment":"neutral","sentiment_score":-0.2748222351074219,"channel":1,"num_words":1,"start":358.915,"end":359.39502},{"sentences":[{"text":"that","start":359.36502,"end":359.86502,"sentiment":"negative","sentiment_score":-0.4100725054740906}],"sentiment":"negative","sentiment_score":-0.4100725054740906,"channel":0,"num_words":1,"start":359.36502,"end":359.86502},{"sentences":[{"text":"not.","start":359.39502,"end":359.55502,"sentiment":"negative","sentiment_score":-0.35754773020744324},{"text":"No.","start":359.55502,"end":360.05502,"sentiment":"negative","sentiment_score":-0.3666394650936126}],"sentiment":"negative","sentiment_score":-0.36209359765052795,"channel":1,"num_words":2,"start":359.39502,"end":360.05502},{"sentences":[{"text":"recommendation?","start":360.80502,"end":361.30502,"sentiment":"neutral","sentiment_score":-0.26962435245513916},{"text":"Yep.","start":361.765,"end":362.265,"sentiment":"neutral","sentiment_score":-0.062098853290081024},{"text":"Understandable.","start":362.405,"end":362.905,"sentiment":"neutral","sentiment_score":-0.031174730509519577},{"text":"Now my job here, basically, I'm not the one that deals with reviewing your account in the sense that as a business, they look over it and what was recommended back in 2019 versus the outcome from this advice.","start":363.445,"end":377.15,"sentiment":"neutral","sentiment_score":-0.13969200524764183},{"text":"So my job here was to review and try and put you in a position where moving forward, your sort of for your current circumstances are adequately covered, but you still will end up with those exclusions.","start":377.15,"end":383.25,"sentiment":"neutral","sentiment_score":-0.10836615292607127}],"sentiment":"neutral","sentiment_score":-0.12430928859718238,"channel":0,"num_words":79,"start":360.80502,"end":383.25},{"sentences":[{"text":"Exclusions, but it's better than what you currently hold with that ADL.","start":386.535,"end":390.635,"sentiment":"neutral","sentiment_score":-0.3110457646350066},{"text":"Now following the advice, if you were to accept it there, Michael, or if you weren't to accept it, There would be a committee that looks over your account as a whole, and I'd provide you a letter of offer from the advice you did receive in 2019 and how that has affected you from your position there to now, if that makes sense.","start":390.855,"end":410.105,"sentiment":"neutral","sentiment_score":-0.026735034480225295}],"sentiment":"neutral","sentiment_score":-0.07162620239940129,"channel":0,"num_words":76,"start":386.535,"end":410.105},{"sentences":[{"text":"Righty.","start":412.15,"end":412.65,"sentiment":"neutral","sentiment_score":0.05052819103002548}],"sentiment":"neutral","sentiment_score":0.05052819103002548,"channel":1,"num_words":1,"start":412.15,"end":412.65},{"sentences":[{"text":"Yep.","start":413.925,"end":414.245,"sentiment":"neutral","sentiment_score":-0.03740016371011734},{"text":"So I can answer anything in regards to the recommendation once you go through it and have a read through it and have a look over it and see if you're happy with it or not.","start":414.245,"end":423.15,"sentiment":"neutral","sentiment_score":0.2652856777939532},{"text":"As far as what occurs from, like, that 2019 to now and then the exclusions that will apply to the new TPD or total current disability that weren't on your current policy or wouldn't have been potentially back in 2019, as I said, they will review it and provide you that letter of outcome from that.","start":423.55,"end":439.805,"sentiment":"neutral","sentiment_score":-0.18666814493813685},{"text":"And I'm not too sure how long that will take, but they will be doing that in the back end just so you're aware.","start":440.745,"end":446.685,"sentiment":"neutral","sentiment_score":-0.16486806236207485},{"text":"Now","start":447.705,"end":448.205,"sentiment":"neutral","sentiment_score":0.02504381537437439}],"sentiment":"neutral","sentiment_score":-0.041290860686261775,"channel":0,"num_words":118,"start":413.925,"end":448.205},{"sentences":[{"text":"Yep.","start":447.71,"end":448.21,"sentiment":"neutral","sentiment_score":0.07249527424573898}],"sentiment":"neutral","sentiment_score":0.07249527424573898,"channel":1,"num_words":1,"start":447.71,"end":448.21},{"sentences":[{"text":"in terms of your risk profile, there was no change to your risk profile.","start":448.425,"end":451.145,"sentiment":"neutral","sentiment_score":0.019623444016490663},{"text":"You scored high growth.","start":451.145,"end":452.27,"sentiment":"positive","sentiment_score":0.47349732369184494},{"text":"You are in a high growth portfolio.","start":452.27,"end":453.95,"sentiment":"positive","sentiment_score":0.4419742780072348},{"text":"We just look at maintaining that.","start":453.95,"end":455.57,"sentiment":"neutral","sentiment_score":0.17803640787800154},{"text":"Now in terms of the recommendation, we are recommending that you move away from the that was underperforming the active managed fund and going more of an index approach, which is cheaper, which is gonna in turn lower your investment costs that you are paying.","start":455.87,"end":470.055,"sentiment":"neutral","sentiment_score":-0.03928249859147602}],"sentiment":"neutral","sentiment_score":0.060040045627637914,"channel":0,"num_words":76,"start":448.425,"end":470.055},{"sentences":[{"text":"And then with that as well, your insurance premiums there will dip slightly in terms of what you're paying overall even though the policies are separated because you are rewriting that portion and you don't","start":470.51498,"end":482.65,"sentiment":"neutral","sentiment_score":-0.0993424892425537}],"sentiment":"neutral","sentiment_score":-0.0993424892425537,"channel":0,"num_words":35,"start":470.51498,"end":482.65},{"sentences":[{"text":"Yep.","start":482.53003,"end":483.03003,"sentiment":"neutral","sentiment_score":-0.13622154295444489}],"sentiment":"neutral","sentiment_score":-0.13622154295444489,"channel":1,"num_words":1,"start":482.53003,"end":483.03003},{"sentences":[{"text":"have because as it gets older, it obviously gets more expensive.","start":482.65,"end":485.23,"sentiment":"negative","sentiment_score":-0.3511373224583539},{"text":"And then with that, it obviously the recommended fund has been performing historically better.","start":486.25,"end":490.41,"sentiment":"neutral","sentiment_score":0.15386208572557994},{"text":"It is cheaper.","start":490.41,"end":491.31,"sentiment":"positive","sentiment_score":0.3576389054457347},{"text":"And then with that, it takes out that managed risk that was that Benelon fund that isn't performing and didn't perform and had that issue back in November with their underlying","start":491.37,"end":499.46503,"sentiment":"neutral","sentiment_score":-0.1796029834978042}],"sentiment":"neutral","sentiment_score":-0.10513927320302544,"channel":0,"num_words":59,"start":482.65,"end":499.46503},{"sentences":[{"text":"Yep.","start":499.22998,"end":499.72998,"sentiment":"neutral","sentiment_score":-0.10863713920116425}],"sentiment":"neutral","sentiment_score":-0.10863713920116425,"channel":1,"num_words":1,"start":499.22998,"end":499.72998},{"sentences":[{"text":"investment.","start":499.46503,"end":499.96503,"sentiment":"neutral","sentiment_score":-0.11816975474357604},{"text":"So I'll be getting rid of all of that.","start":500.265,"end":501.96503,"sentiment":"neutral","sentiment_score":-0.19018342511521447},{"text":"As I said, in terms of, like, maintaining the fund, you don't have to pay a full CGT.","start":502.185,"end":505.96503,"sentiment":"neutral","sentiment_score":0.12149051287107998},{"text":"The cost of switching investments due to Benelon being down a little bit is only around that 200, a bit under dollars when switching everything around.","start":506.105,"end":513.28,"sentiment":"neutral","sentiment_score":0.2719033509492874},{"text":"And then moving forward, you'll actually have a lower ongoing cost.","start":513.34,"end":516.4,"sentiment":"positive","sentiment_score":0.45184173909100617}],"sentiment":"neutral","sentiment_score":0.190719306239715,"channel":0,"num_words":65,"start":499.46503,"end":516.4},{"sentences":[{"text":"Obviously, the risk of everything when you change investments is the time out of the market.","start":517.1,"end":521.1,"sentiment":"neutral","sentiment_score":-0.19004201499046758},{"text":"There's no guarantee that the recommended portfolio will outperform your existing portfolio or the market scenarios that were presented in those, like, five year rolling averages because, obviously, the five years aren't gonna replicate year on year with that.","start":521.1,"end":534.355,"sentiment":"neutral","sentiment_score":-0.13995516539002076}],"sentiment":"neutral","sentiment_score":-0.1545258852737871,"channel":0,"num_words":55,"start":517.1,"end":534.355},{"sentences":[{"text":"Yep.","start":533.98004,"end":534.48004,"sentiment":"neutral","sentiment_score":0.24255675077438352}],"sentiment":"neutral","sentiment_score":0.24255675077438352,"channel":1,"num_words":1,"start":533.98004,"end":534.48004},{"sentences":[{"text":"Now with the main things that you do get, though, is that lower cost, better track record historically.","start":535.135,"end":540.01,"sentiment":"positive","sentiment_score":0.3622911274433136},{"text":"And then with that, you're maintaining a similar allocation to the growth assets.","start":540.55,"end":544.63,"sentiment":"positive","sentiment_score":0.3562642290041997},{"text":"You're just removing that manager risk, which in turn should remove some of that little bit of volatility as well and then the the market downsides have occurred recently.","start":544.63,"end":553.745,"sentiment":"neutral","sentiment_score":-0.05898455427638415}],"sentiment":"neutral","sentiment_score":0.15736871995031834,"channel":0,"num_words":60,"start":535.135,"end":553.745},{"sentences":[{"text":"Yep.","start":554.01,"end":554.51,"sentiment":"positive","sentiment_score":0.4201850891113281}],"sentiment":"positive","sentiment_score":0.4201850891113281,"channel":1,"num_words":1,"start":554.01,"end":554.51},{"sentences":[{"text":"Perfect.","start":556.20496,"end":556.70496,"sentiment":"positive","sentiment_score":0.6008151769638062},{"text":"And then within regards to the risk, obviously, when switching investments around, you got the time out in the market, those sort of things as well.","start":557.565,"end":563.40497,"sentiment":"neutral","sentiment_score":0.07619361579418182},{"text":"Feel free to have a read through all that.","start":563.40497,"end":564.685,"sentiment":"neutral","sentiment_score":0.09370844066143036},{"text":"I'm not gonna go too much into it given your time.","start":564.685,"end":566.84,"sentiment":"neutral","sentiment_score":-0.17528165199539877},{"text":"Now in regards to the investments, on page 16, you'll be able to see what's selling down and what's purchasing in.","start":567.94,"end":572.5,"sentiment":"neutral","sentiment_score":0.06073161933038916}],"sentiment":"neutral","sentiment_score":0.040771926287561655,"channel":0,"num_words":68,"start":556.20496,"end":572.5},{"sentences":[{"text":"So with the the main sell downs, you'll have Benelong, which will be gone.","start":572.5,"end":575.86,"sentiment":"neutral","sentiment_score":-0.0891013720205852},{"text":"That's an actively managed fund.","start":575.86,"end":577.46,"sentiment":"neutral","sentiment_score":0.04084291458129883},{"text":"With that, the iShares Misky, which is like an exposure to Australia, Europe, and you'll be replacing that with a cheaper or well excluding The US Vanguard alternative, which is a little bit cheaper.","start":577.46,"end":587.045,"sentiment":"neutral","sentiment_score":0.05432629344217917}],"sentiment":"neutral","sentiment_score":0.015167723427403648,"channel":0,"num_words":53,"start":572.5,"end":587.045},{"sentences":[{"text":"Yep.","start":586.75,"end":587.25,"sentiment":"neutral","sentiment_score":0.14278894662857056}],"sentiment":"neutral","sentiment_score":0.14278894662857056,"channel":1,"num_words":1,"start":586.75,"end":587.25},{"sentences":[{"text":"It still has the same exposure outside The US and then across those European regions.","start":587.045,"end":592.185,"sentiment":"neutral","sentiment_score":0.07486697683731715},{"text":"And then you'll be just reducing your exposure slightly in the Japan market there as well.","start":592.805,"end":597.7,"sentiment":"neutral","sentiment_score":0.06262718141078949}],"sentiment":"neutral","sentiment_score":0.06854966306878675,"channel":0,"num_words":31,"start":587.045,"end":597.7},{"sentences":[{"text":"Right.","start":597.975,"end":598.475,"sentiment":"neutral","sentiment_score":0.11204998195171356}],"sentiment":"neutral","sentiment_score":0.11204998195171356,"channel":1,"num_words":1,"start":597.975,"end":598.475},{"sentences":[{"text":"But everything else is largely staying the same because the","start":599.04,"end":602.0,"sentiment":"neutral","sentiment_score":0.1556527927517891}],"sentiment":"neutral","sentiment_score":0.1556527927517891,"channel":0,"num_words":10,"start":599.04,"end":602.0},{"sentences":[{"text":"Yeah.","start":601.975,"end":602.475,"sentiment":"neutral","sentiment_score":0.051384977996349335}],"sentiment":"neutral","sentiment_score":0.051384977996349335,"channel":1,"num_words":1,"start":601.975,"end":602.475},{"sentences":[{"text":"other assets have been performing apart from Hack did have a little bit of a a backward step like your cyber security side of things, but all AI and tech companies have taken a little bit of backward step this month.","start":602.0,"end":613.82495,"sentiment":"neutral","sentiment_score":-0.03917854570034074},{"text":"But they have a bit of conviction in those moving forward still as opposed to that been along.","start":613.96497,"end":618.225,"sentiment":"neutral","sentiment_score":0.13123425427410337},{"text":"Now in regards to the allocation there, your proposed is sort of sitting a little bit higher in terms of, like, the amount of growth assets you do hold.","start":619.485,"end":628.61,"sentiment":"neutral","sentiment_score":0.10240910870247874},{"text":"But, obviously, these change and switch slightly depending on how, like, they do in the market and how they perform in your portfolio, which do skew these a little bit, but you'll have more allocation to those growth assets at a cheaper cost and having that indexed approach to if the markets are doing well, your portfolio is doing well.","start":628.91,"end":645.865,"sentiment":"neutral","sentiment_score":0.19429110079460468},{"text":"If they're not doing too great, you sort of just follow the market.","start":645.865,"end":648.105,"sentiment":"neutral","sentiment_score":-0.13597846403717995}],"sentiment":"neutral","sentiment_score":0.08456836255145786,"channel":0,"num_words":161,"start":602.0,"end":648.105},{"sentences":[{"text":"You're not picking those winners and losers, which what that management risk carries as well.","start":648.105,"end":653.18,"sentiment":"neutral","sentiment_score":-0.17112415749579668},{"text":"You still have your defensive portions there as well with your bank hybrids, and then you'll also have your alternative goals, which is a bit of a split.","start":654.12,"end":662.19995,"sentiment":"neutral","sentiment_score":0.2513454833201},{"text":"You're not entirely growth or defensive with the gold.","start":662.19995,"end":664.995,"sentiment":"neutral","sentiment_score":-0.056630023237731725},{"text":"It does have the capital nature of growth, but also in those market downturns tends to go up as well because people go back to that harder currency.","start":664.995,"end":672.29504,"sentiment":"neutral","sentiment_score":-0.08244909053402287}],"sentiment":"neutral","sentiment_score":0.020657080330420286,"channel":0,"num_words":80,"start":648.105,"end":672.29504},{"sentences":[{"text":"Yep.","start":673.37,"end":673.87,"sentiment":"neutral","sentiment_score":0.16192664206027985}],"sentiment":"neutral","sentiment_score":0.16192664206027985,"channel":1,"num_words":1,"start":673.37,"end":673.87},{"sentences":[{"text":"Any questions in regards to the investments or super side of things","start":674.195,"end":676.94995,"sentiment":"neutral","sentiment_score":0.18796318334837755}],"sentiment":"neutral","sentiment_score":0.18796318334837755,"channel":0,"num_words":12,"start":674.195,"end":676.94995},{"sentences":[{"text":"Now I'm pretty happy to take on your recommendation.","start":678.17,"end":680.91,"sentiment":"positive","sentiment_score":0.6821592781278822}],"sentiment":"positive","sentiment_score":0.6821592781278822,"channel":1,"num_words":9,"start":678.17,"end":680.91},{"sentences":[{"text":"there, Michael?","start":681.08997,"end":682.05,"sentiment":"neutral","sentiment_score":0.2964759021997452},{"text":"Perfect.","start":682.05,"end":682.52997,"sentiment":"positive","sentiment_score":0.6368412971496582},{"text":"Now the more important section, that insurance side of things, we are looking at maintaining that IP portion.","start":682.52997,"end":688.37,"sentiment":"neutral","sentiment_score":0.13621541361014047},{"text":"It is a little bit less than what your current 70% of your current income.","start":688.37,"end":692.215,"sentiment":"neutral","sentiment_score":0.05376077393690745},{"text":"Now I know a lot of your income goes towards additionally paying down the mortgage.","start":692.35504,"end":695.955,"sentiment":"neutral","sentiment_score":0.14351779967546463}],"sentiment":"neutral","sentiment_score":0.13021272844543644,"channel":0,"num_words":51,"start":681.08997,"end":695.955},{"sentences":[{"text":"So the way to sort of bridge that gap is either you can look at sorta, you know, building up a bit more self insurance by building up a bit of a redraw on that to cover the sort of difference.","start":695.955,"end":704.05505,"sentiment":"neutral","sentiment_score":0.18650831300310972},{"text":"There also is the option when it comes to the policy renewal if you'd like.","start":704.195,"end":708.32,"sentiment":"neutral","sentiment_score":0.17407093395789464},{"text":"When that does come up, you get that email the thirty days before the policy renewal.","start":708.45996,"end":712.3,"sentiment":"neutral","sentiment_score":0.14639437990263104},{"text":"You do have the option for future increases if your income has increased above, like, what you're currently insured for, and that can go up to 15% of that without a level of underwriting.","start":712.3,"end":722.785,"sentiment":"neutral","sentiment_score":0.2275501553188352},{"text":"Because given that we don't wanna go through underwriting to get any more exclusions on that IP policy, we can look at doing that future increase if you'd like.","start":722.925,"end":729.665,"sentiment":"neutral","sentiment_score":0.09659037700500982}],"sentiment":"neutral","sentiment_score":0.1713928972957311,"channel":0,"num_words":135,"start":695.955,"end":729.665},{"sentences":[{"text":"But in term, we're just looking at keeping the same for now because going through a new policy, the level that you'd be applying for to bridge the gap isn't a huge amount, and it would be worth having a separate IP policy that you'd be paying for.","start":730.045,"end":742.52997,"sentiment":"neutral","sentiment_score":0.08505173058559497},{"text":"And then we're just looking","start":742.52997,"end":743.49,"sentiment":"neutral","sentiment_score":0.12974582761526107}],"sentiment":"neutral","sentiment_score":0.08926815483367669,"channel":0,"num_words":53,"start":730.045,"end":743.49},{"sentences":[{"text":"Yep.","start":743.425,"end":743.925,"sentiment":"neutral","sentiment_score":0.11179859936237337}],"sentiment":"neutral","sentiment_score":0.11179859936237337,"channel":1,"num_words":1,"start":743.425,"end":743.925},{"sentences":[{"text":"at rewriting the life and total permanent disability, And then that's for the same amount that you're currently covered for, which is in line with your your current needs given your debt, income replacement, things like that as well.","start":743.49,"end":753.57495,"sentiment":"neutral","sentiment_score":0.21264820182934785},{"text":"And it","start":754.115,"end":754.435,"sentiment":"positive","sentiment_score":0.37739306688308716}],"sentiment":"neutral","sentiment_score":0.22068453671001806,"channel":0,"num_words":41,"start":743.49,"end":754.435},{"sentences":[{"text":"Yep.","start":754.32,"end":754.82,"sentiment":"neutral","sentiment_score":0.3037640452384949}],"sentiment":"neutral","sentiment_score":0.3037640452384949,"channel":1,"num_words":1,"start":754.32,"end":754.82},{"sentences":[{"text":"actually comes out as a cheaper plus.","start":754.435,"end":756.21497,"sentiment":"positive","sentiment_score":0.4174404186861856},{"text":"Obviously, disadvantage with that.","start":756.83496,"end":758.77496,"sentiment":"negative","sentiment_score":-0.3957044780254364},{"text":"The life standard because life's life, that you will have that lower back and bilateral knee exclusion with that one given, you know, the injuries and then also the arthroscopic clean out of the other knee that was injured previously and then the sciatica.","start":758.915,"end":773.15,"sentiment":"negative","sentiment_score":-0.4363557980819182},{"text":"Now the risk with these, obviously, Michael, is given that it's two or three depending on if they considered bilateral or two separate exclusions, that's three.","start":774.17,"end":783.09503,"sentiment":"negative","sentiment_score":-0.37460886400479537},{"text":"If you get four exclusions or loadings or more, there's a risk of decline.","start":783.715,"end":787.955,"sentiment":"negative","sentiment_score":-0.41124833481652395}],"sentiment":"negative","sentiment_score":-0.3511336552469354,"channel":0,"num_words":95,"start":754.435,"end":787.955},{"sentences":[{"text":"So if you haven't disclosed anything else that we aren't previously aware of during that pre assessment process, if something else does come up during that application stage, it might result in the decline because it's too at the current with the bilateral that they're considering, but it may be split that you'd have one for each knee and the back.","start":787.955,"end":804.765,"sentiment":"neutral","sentiment_score":-0.3057417334591756},{"text":"And then if you get one more on top of that, then it would be at risk of decline.","start":804.925,"end":808.765,"sentiment":"negative","sentiment_score":-0.41878685982603775},{"text":"So that's one of the main risk factors there.","start":808.765,"end":811.185,"sentiment":"negative","sentiment_score":-0.4007053342130449},{"text":"But in","start":811.72504,"end":812.28503,"sentiment":"neutral","sentiment_score":-0.13130755349993706}],"sentiment":"negative","sentiment_score":-0.3349028482705682,"channel":0,"num_words":91,"start":787.955,"end":812.28503},{"sentences":[{"text":"Sorry.","start":812.08997,"end":812.33,"sentiment":"neutral","sentiment_score":-0.1371276080608368}],"sentiment":"neutral","sentiment_score":-0.1371276080608368,"channel":1,"num_words":1,"start":812.08997,"end":812.33},{"sentences":[{"text":"saying","start":812.28503,"end":812.525,"sentiment":"neutral","sentiment_score":-0.06030019000172615}],"sentiment":"neutral","sentiment_score":-0.06030019000172615,"channel":0,"num_words":1,"start":812.28503,"end":812.525},{"sentences":[{"text":"Say that","start":812.33,"end":812.64996,"sentiment":"neutral","sentiment_score":-0.11530750244855881}],"sentiment":"neutral","sentiment_score":-0.11530750244855881,"channel":1,"num_words":2,"start":812.33,"end":812.64996},{"sentences":[{"text":"that","start":812.525,"end":813.025,"sentiment":"neutral","sentiment_score":-0.11150668561458588}],"sentiment":"neutral","sentiment_score":-0.11150668561458588,"channel":0,"num_words":1,"start":812.525,"end":813.025},{"sentences":[{"text":"again.","start":812.64996,"end":813.14996,"sentiment":"neutral","sentiment_score":-0.061976928263902664},{"text":"Sorry.","start":814.89,"end":815.39,"sentiment":"neutral","sentiment_score":-0.07920683920383453}],"sentiment":"neutral","sentiment_score":-0.0705918837338686,"channel":1,"num_words":2,"start":812.64996,"end":815.39},{"sentences":[{"text":"Yep.","start":815.245,"end":815.745,"sentiment":"neutral","sentiment_score":-0.060022346675395966},{"text":"So with the the way they do exclusions and loadings, if you have four exclusions or loadings, like a combination of, it can be a risk of decline.","start":816.04504,"end":825.56,"sentiment":"neutral","sentiment_score":-0.24983984737523965},{"text":"Like, they don't want the policy because it's too sort of risky in terms of, like, what could occur.","start":825.56,"end":830.62,"sentiment":"negative","sentiment_score":-0.38906073727105794},{"text":"But in saying that now, you've got one for the back and then you've got one for your bilateral knee.","start":830.92,"end":836.555,"sentiment":"neutral","sentiment_score":-0.002116982638835907},{"text":"So they consider it one because it's both knees if they do bilateral.","start":836.555,"end":839.53503,"sentiment":"neutral","sentiment_score":-0.00397325951892596}],"sentiment":"neutral","sentiment_score":-0.1795269642945057,"channel":0,"num_words":81,"start":815.245,"end":839.53503},{"sentences":[{"text":"But if they consider it as two separate exclusions for each knee, then you've got three.","start":839.59503,"end":845.06,"sentiment":"neutral","sentiment_score":-0.08620901964604855},{"text":"And then if anything else did come up in terms of, like, something you didn't disclose to us during that pre assessment pros like, progress process, sorry, then it may result in a decline if you didn't disclose anything that you would disclose during that application stage, if that makes sense.","start":845.06,"end":859.475,"sentiment":"neutral","sentiment_score":-0.24958997643461414}],"sentiment":"neutral","sentiment_score":-0.21057362854480743,"channel":0,"num_words":67,"start":839.59503,"end":859.475},{"sentences":[{"text":"Yep.","start":860.255,"end":860.755,"sentiment":"neutral","sentiment_score":0.03824634477496147}],"sentiment":"neutral","sentiment_score":0.03824634477496147,"channel":1,"num_words":1,"start":860.255,"end":860.755},{"sentences":[{"text":"So, obviously, we're aware of the two knees and the the sciatica, which is those three.","start":861.77496,"end":866.255,"sentiment":"neutral","sentiment_score":-0.03301278765138704},{"text":"At a a max, it might be two if they consider it bilateral.","start":866.255,"end":868.995,"sentiment":"neutral","sentiment_score":-0.011737007504472366},{"text":"And then if there's anything on top of that, then you're sort of getting up there and at risk of that.","start":869.25995,"end":873.51996,"sentiment":"neutral","sentiment_score":-0.25361658526318415},{"text":"But, otherwise, it should be fine if it's just those.","start":873.66,"end":876.16,"sentiment":"neutral","sentiment_score":0.13960374891757965},{"text":"The benefits","start":876.77997,"end":877.44,"sentiment":"neutral","sentiment_score":0.23523150384426117}],"sentiment":"neutral","sentiment_score":-0.06677795957488518,"channel":0,"num_words":62,"start":861.77496,"end":877.44},{"sentences":[{"text":"Yep.","start":877.365,"end":877.865,"sentiment":"positive","sentiment_score":0.4913625717163086}],"sentiment":"positive","sentiment_score":0.4913625717163086,"channel":1,"num_words":1,"start":877.365,"end":877.865},{"sentences":[{"text":"of it, even though you've got two split across two different providers, so the life and TPD would be with MetLife.","start":877.57996,"end":883.44,"sentiment":"positive","sentiment_score":0.40483215096450986},{"text":"It is cheaper.","start":883.685,"end":884.665,"sentiment":"positive","sentiment_score":0.6014970739682516},{"text":"It would be in two separate spots, so it is a little bit more administratively a bit more annoying, but it worked out to be cheaper, more comprehensive than not only your current policy if it was in place, but it just rewriting with Neos there as well.","start":884.725,"end":897.70496,"sentiment":"neutral","sentiment_score":0.2948231811945637}],"sentiment":"positive","sentiment_score":0.33968720957636833,"channel":0,"num_words":72,"start":877.57996,"end":897.70496},{"sentences":[{"text":"Yep.","start":898.61005,"end":899.11005,"sentiment":"neutral","sentiment_score":0.07026365399360657}],"sentiment":"neutral","sentiment_score":0.07026365399360657,"channel":1,"num_words":1,"start":898.61005,"end":899.11005},{"sentences":[{"text":"Now with that, it's obviously not the the best circumstances, but moving forward, we wanna make sure you don't have that ADL definition on your policy.","start":898.72,"end":906.74,"sentiment":"neutral","sentiment_score":-0.3072006401534264},{"text":"Because if you were to hurt yourself to a point where you couldn't work, but you can still, like, afford to, like, you know, dress yourself, cook, clean for yourself, care for yourself, then you still wouldn't meet the definition under your current policy.","start":907.04,"end":918.915,"sentiment":"neutral","sentiment_score":-0.17132721028544687},{"text":"So we wanna get your policy.","start":918.915,"end":920.035,"sentiment":"neutral","sentiment_score":0.0965838332970937},{"text":"Even though it would have the exclusions, it's still better than the definition of your current TPD policy.","start":920.035,"end":925.83,"sentiment":"neutral","sentiment_score":-0.00986563041806221}],"sentiment":"neutral","sentiment_score":-0.1608903430243756,"channel":0,"num_words":94,"start":898.72,"end":925.83},{"sentences":[{"text":"Yep.","start":927.07,"end":927.57,"sentiment":"neutral","sentiment_score":0.20870475471019745}],"sentiment":"neutral","sentiment_score":0.20870475471019745,"channel":1,"num_words":1,"start":927.07,"end":927.57},{"sentences":[{"text":"TPD policy.","start":928.71,"end":929.11005,"sentiment":"neutral","sentiment_score":0.12008886784315109},{"text":"Now in regards to that, it does show your needs analysis there and how they've come to that.","start":929.11005,"end":933.75,"sentiment":"neutral","sentiment_score":0.12040125288897091},{"text":"Obviously, in regards to the income protection side of things, you're about a thousand dollars a month sort of off what your income would suggest being on a 100 and sixteen thousand and seventy percent of that.","start":933.75,"end":944.34503,"sentiment":"neutral","sentiment_score":-0.09492146193578437},{"text":"But as I said, you can look to do a 15% increase, which gets you a little bit closer or work on that self in which","start":944.565,"end":948.805,"sentiment":"neutral","sentiment_score":0.004707655439583154}],"sentiment":"neutral","sentiment_score":-0.01183487665671182,"channel":0,"num_words":83,"start":928.71,"end":948.805},{"sentences":[{"text":"My","start":950.15,"end":950.65,"sentiment":"neutral","sentiment_score":-0.0600581169128418}],"sentiment":"neutral","sentiment_score":-0.0600581169128418,"channel":1,"num_words":1,"start":950.15,"end":950.65},{"sentences":[{"text":"oh.","start":950.725,"end":951.225,"sentiment":"neutral","sentiment_score":-0.08030062913894653}],"sentiment":"neutral","sentiment_score":-0.08030062913894653,"channel":0,"num_words":1,"start":950.725,"end":951.225},{"sentences":[{"text":"I'm I'm I'm recently out of pay.","start":952.29004,"end":953.59,"sentiment":"neutral","sentiment_score":-0.12215820912803922},{"text":"Right?","start":953.59,"end":953.75,"sentiment":"neutral","sentiment_score":-0.08602429926395416},{"text":"I'm at a 130,000 now.","start":953.75,"end":956.17004,"sentiment":"neutral","sentiment_score":-0.06892513856291771}],"sentiment":"neutral","sentiment_score":-0.09890441969037056,"channel":1,"num_words":13,"start":952.29004,"end":956.17004},{"sentences":[{"text":"$1.30.","start":956.66003,"end":957.48004,"sentiment":"neutral","sentiment_score":-0.0293782539665699}],"sentiment":"neutral","sentiment_score":-0.0293782539665699,"channel":0,"num_words":1,"start":956.66003,"end":957.48004},{"sentences":[{"text":"Yeah.","start":958.31,"end":958.81,"sentiment":"neutral","sentiment_score":-0.016835955902934074},{"text":"Does that make a lot of difference to anything?","start":958.87006,"end":960.65,"sentiment":"neutral","sentiment_score":-0.05610875619782342}],"sentiment":"neutral","sentiment_score":-0.05218147616833448,"channel":1,"num_words":10,"start":958.31,"end":960.65},{"sentences":[{"text":"Well, given that you're still, like, covered for the the amount that you are covered for, we aren't recommending changing that.","start":961.54004,"end":967.875,"sentiment":"neutral","sentiment_score":-0.24400305960859572},{"text":"We're looking at retaining that IP portion.","start":967.875,"end":969.815,"sentiment":"neutral","sentiment_score":-0.07524620369076729},{"text":"The options there, we can look at doing a top up to bridge the difference, or you can just look at doing that 15% increase.","start":970.19495,"end":977.63495,"sentiment":"neutral","sentiment_score":0.03080308757722378},{"text":"Now 15% increase isn't obviously gonna get you close to one like, 70% of the one thirty.","start":977.63495,"end":983.58,"sentiment":"neutral","sentiment_score":-0.010955024510622025},{"text":"But what it does, it gives you an increase that isn't gonna go through an level of underwriting, if that makes sense.","start":983.72003,"end":989.98004,"sentiment":"neutral","sentiment_score":0.014024048281664198}],"sentiment":"neutral","sentiment_score":-0.051721922202926617,"channel":0,"num_words":92,"start":961.54004,"end":989.98004},{"sentences":[{"text":"Happy to take a recommendation because I really don't yeah.","start":992.725,"end":995.94495,"sentiment":"neutral","sentiment_score":-0.14952396005392074}],"sentiment":"neutral","sentiment_score":-0.14952396005392074,"channel":1,"num_words":10,"start":992.725,"end":995.94495},{"sentences":[{"text":"Yep.","start":997.33496,"end":997.735,"sentiment":"neutral","sentiment_score":0.03661300614476204},{"text":"So I'll give you the sort of figures and what that sort of looks like.","start":997.735,"end":1000.69495,"sentiment":"neutral","sentiment_score":0.09105510960022609},{"text":"So if you wait till the policy anniversary and do the future increase given your income, that has gone up.","start":1000.69495,"end":1006.16003,"sentiment":"neutral","sentiment_score":0.057809599116444586},{"text":"So currently,","start":1006.54004,"end":1007.26,"sentiment":"neutral","sentiment_score":0.05168701149523258}],"sentiment":"neutral","sentiment_score":0.07005278040703974,"channel":0,"num_words":38,"start":997.33496,"end":1007.26},{"sentences":[{"text":"Yep.","start":1006.89996,"end":1007.39996,"sentiment":"neutral","sentiment_score":0.05985147878527641}],"sentiment":"neutral","sentiment_score":0.05985147878527641,"channel":1,"num_words":1,"start":1006.89996,"end":1007.39996},{"sentences":[{"text":"you're around the $5,568 as a monthly benefit if something were to happen.","start":1007.26,"end":1012.4,"sentiment":"neutral","sentiment_score":0.04670414672448085},{"text":"If you did an extra","start":1012.46,"end":1013.5,"sentiment":"neutral","sentiment_score":0.004398995637893677}],"sentiment":"neutral","sentiment_score":0.03495271586709552,"channel":0,"num_words":18,"start":1007.26,"end":1013.5},{"sentences":[{"text":"Yep.","start":1013.14,"end":1013.64,"sentiment":"neutral","sentiment_score":0.01687769591808319}],"sentiment":"neutral","sentiment_score":0.01687769591808319,"channel":1,"num_words":1,"start":1013.14,"end":1013.64},{"sentences":[{"text":"15% of that, you're looking at, like, another $805.","start":1013.5,"end":1017.61505,"sentiment":"neutral","sentiment_score":0.015442241811090045},{"text":"So there it, like, doesn't get you close to what 70% of your current income would be, but it gets you a little bit closer.","start":1017.99506,"end":1024.9551,"sentiment":"neutral","sentiment_score":-0.0030121535807847975},{"text":"So you'd be looking at around a $6,400 a month monthly benefit.","start":1024.9551,"end":1029.375,"sentiment":"neutral","sentiment_score":0.017961570372184116},{"text":"Whereas if you did 70","start":1029.435,"end":1030.735,"sentiment":"neutral","sentiment_score":-0.04443941116333008}],"sentiment":"neutral","sentiment_score":0.0011180024594068527,"channel":0,"num_words":51,"start":1013.5,"end":1030.735},{"sentences":[{"text":"Yep.","start":1030.335,"end":1030.835,"sentiment":"neutral","sentiment_score":-0.016550486907362938}],"sentiment":"neutral","sentiment_score":-0.016550486907362938,"channel":1,"num_words":1,"start":1030.335,"end":1030.835},{"sentences":[{"text":"percent of your your current income, and I'll just work out what that is.","start":1031.0801,"end":1036.4601,"sentiment":"neutral","sentiment_score":-0.04493120392518384},{"text":"Bear with me.","start":1036.8401,"end":1037.74,"sentiment":"neutral","sentiment_score":-0.12505634874105453},{"text":"Then you'd be looking at more like a 7,500.","start":1038.28,"end":1040.76,"sentiment":"neutral","sentiment_score":-0.1701940033170912},{"text":"So you'd still have that thousand dollar shortfall, but then the next year after that, I don't believe there is a limit.","start":1040.76,"end":1045.88,"sentiment":"neutral","sentiment_score":-0.27958648719570856},{"text":"You look at doing another 15% increase as well to try and keep getting a little bit closer, and it does CPI up each year in terms of, like,","start":1045.88,"end":1053.935,"sentiment":"positive","sentiment_score":0.4113465413965028}],"sentiment":"neutral","sentiment_score":0.04210642923588877,"channel":0,"num_words":77,"start":1031.0801,"end":1053.935},{"sentences":[{"text":"Yep.","start":1053.915,"end":1054.415,"sentiment":"positive","sentiment_score":0.466907799243927}],"sentiment":"positive","sentiment_score":0.466907799243927,"channel":1,"num_words":1,"start":1053.915,"end":1054.415},{"sentences":[{"text":"the dollar figure does go up with, like, the inflationary or, like, the figure that they deem as well.","start":1053.935,"end":1060.62,"sentiment":"positive","sentiment_score":0.34070790755121333},{"text":"But as long as you could survive off currently the 5,500, if something were to go wrong in terms of, like, paying for the the mortgage and your general expenses, it doesn't mean that you have to increase your cover.","start":1060.7,"end":1073.68,"sentiment":"neutral","sentiment_score":-0.07413155119866133},{"text":"If you're comfortable if something were to go wrong that you're just on that base amount of getting the $5.50, you know, with the minus the taxes to cover, you know, your your mortgage and things like that as well, then it's more than adequate.","start":1073.765,"end":1086.0851,"sentiment":"neutral","sentiment_score":0.25193283077743317},{"text":"Otherwise, we could look at doing some form of pop up cover, which would have those exclusions, if that makes 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really","start":1103.435,"end":1104.0751,"sentiment":"neutral","sentiment_score":-0.2247841755549113}],"sentiment":"neutral","sentiment_score":-0.2247841755549113,"channel":1,"num_words":3,"start":1103.435,"end":1104.0751},{"sentences":[{"text":"if","start":1103.915,"end":1104.415,"sentiment":"neutral","sentiment_score":-0.2064526379108429}],"sentiment":"neutral","sentiment_score":-0.2064526379108429,"channel":0,"num_words":1,"start":1103.915,"end":1104.415},{"sentences":[{"text":"say?","start":1104.0751,"end":1104.5751,"sentiment":"neutral","sentiment_score":-0.16538527607917786}],"sentiment":"neutral","sentiment_score":-0.16538527607917786,"channel":1,"num_words":1,"start":1104.0751,"end":1104.5751},{"sentences":[{"text":"yeah.","start":1104.9551,"end":1105.275,"sentiment":"neutral","sentiment_score":-0.13791969418525696},{"text":"No.","start":1105.275,"end":1105.515,"sentiment":"neutral","sentiment_score":-0.2259184569120407},{"text":"Well, I I would look at doing when it comes around that policy anniversary just because you've already got the policy, looking at doing that future increase or the circumstance increase just to to bump that up.","start":1105.515,"end":1115.52,"sentiment":"neutral","sentiment_score":-0.05608323739992606},{"text":"And then","start":1115.5801,"end":1116.3201,"sentiment":"neutral","sentiment_score":0.04072771966457367}],"sentiment":"neutral","sentiment_score":-0.05749908525769303,"channel":0,"num_words":41,"start":1104.9551,"end":1116.3201},{"sentences":[{"text":"Yep.","start":1116.4099,"end":1116.9099,"sentiment":"neutral","sentiment_score":0.016658451408147812}],"sentiment":"neutral","sentiment_score":0.016658451408147812,"channel":1,"num_words":1,"start":1116.4099,"end":1116.9099},{"sentences":[{"text":"if you were to rewrite, the the difference there is you're probably looking at doing just a policy for a couple of thousand dollars that would have the exclusion for the knees and then also the back as well.","start":1116.4601,"end":1127.835,"sentiment":"neutral","sentiment_score":-0.14430164001308954},{"text":"Currently, if you were to, like, have to go off for your your knees due to them being injured, your current policy should cover that.","start":1127.975,"end":1134.635,"sentiment":"neutral","sentiment_score":-0.24820495307445525},{"text":"And it's entirely","start":1134.855,"end":1135.655,"sentiment":"neutral","sentiment_score":-0.017646098354210455}],"sentiment":"neutral","sentiment_score":-0.17740038929006724,"channel":0,"num_words":67,"start":1116.4601,"end":1135.655},{"sentences":[{"text":"Yep.","start":1135.4149,"end":1135.9149,"sentiment":"neutral","sentiment_score":-0.029326099902391434}],"sentiment":"neutral","sentiment_score":-0.029326099902391434,"channel":1,"num_words":1,"start":1135.4149,"end":1135.9149},{"sentences":[{"text":"same with the back, but even if you did a top up policy, it wouldn't cover you for that because you'd have those 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underwriting.","start":1150.05,"end":1154.9501,"sentiment":"neutral","sentiment_score":0.2077408111654222},{"text":"But it isn't till the tenth of this year that you could look at doing that.","start":1155.73,"end":1159.215,"sentiment":"neutral","sentiment_score":-0.030493955360725522}],"sentiment":"neutral","sentiment_score":0.06653982162093505,"channel":0,"num_words":39,"start":1147.73,"end":1159.215},{"sentences":[{"text":"October.","start":1160.0549,"end":1160.5549,"sentiment":"neutral","sentiment_score":0.09276915341615675}],"sentiment":"neutral","sentiment_score":0.09276915341615675,"channel":1,"num_words":1,"start":1160.0549,"end":1160.5549},{"sentences":[{"text":"And that way yeah.","start":1160.475,"end":1161.915,"sentiment":"neutral","sentiment_score":0.10672174952924252},{"text":"Yeah.","start":1161.915,"end":1162.235,"sentiment":"neutral","sentiment_score":0.17444682121276855},{"text":"So and then you'd look at increasing that level of cover that doesn't have those exclusions, no level of underwriting, and it's more comprehensive than if you were","start":1162.235,"end":1169.61,"sentiment":"neutral","sentiment_score":0.2528014768447195}],"sentiment":"neutral","sentiment_score":0.23272045972672376,"channel":0,"num_words":33,"start":1160.475,"end":1169.61},{"sentences":[{"text":"Yep.","start":1169.495,"end":1169.97,"sentiment":"neutral","sentiment_score":0.1740967333316803}],"sentiment":"neutral","sentiment_score":0.1740967333316803,"channel":1,"num_words":1,"start":1169.495,"end":1169.97},{"sentences":[{"text":"to do look at doing a separate policy.","start":1169.61,"end":1173.69,"sentiment":"neutral","sentiment_score":0.24189447611570358},{"text":"And then that way, if you did that this year, it gets you much closer that there's only around a thousand dollar difference even based on your sort of new new income.","start":1173.69,"end":1183.215,"sentiment":"neutral","sentiment_score":0.2621736777946353}],"sentiment":"neutral","sentiment_score":0.258117837458849,"channel":0,"num_words":40,"start":1169.61,"end":1183.215},{"sentences":[{"text":"Yeah.","start":1184.875,"end":1185.375,"sentiment":"neutral","sentiment_score":0.07510799169540405},{"text":"I know.","start":1186.155,"end":1186.5549,"sentiment":"neutral","sentiment_score":0.010983888059854506},{"text":"I just like, you're talking a lot of gibberish to me at the moment, to be honest.","start":1186.5549,"end":1190.315,"sentiment":"neutral","sentiment_score":-0.20583450443604412},{"text":"So I'll just say, yes.","start":1190.315,"end":1192.015,"sentiment":"neutral","sentiment_score":-0.003560064546763897},{"text":"Just go with what yeah.","start":1192.315,"end":1193.4349,"sentiment":"neutral","sentiment_score":0.006276221573352813}],"sentiment":"neutral","sentiment_score":-0.11295100074882308,"channel":1,"num_words":30,"start":1184.875,"end":1193.4349},{"sentences":[{"text":"Whatever you think.","start":1193.4349,"end":1194.655,"sentiment":"neutral","sentiment_score":-0.0029723308980464935}],"sentiment":"neutral","sentiment_score":-0.0029723308980464935,"channel":1,"num_words":3,"start":1193.4349,"end":1194.655},{"sentences":[{"text":"Yeah.","start":1195.215,"end":1195.455,"sentiment":"neutral","sentiment_score":0.06845556199550629},{"text":"I'll just put a reminder in my calendar, and I'll touch base, like, just around October when that policy does set for renewal.","start":1195.455,"end":1201.43,"sentiment":"neutral","sentiment_score":0.19531584304312002},{"text":"And then 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you're sort of putting most of your income towards extra payments on the mortgage to get that down quicker anyway.","start":1214.935,"end":1220.395,"sentiment":"neutral","sentiment_score":0.1383855962753296}],"sentiment":"neutral","sentiment_score":0.1383855962753296,"channel":0,"num_words":25,"start":1214.935,"end":1220.395},{"sentences":[{"text":"Yep.","start":1221.395,"end":1221.895,"sentiment":"neutral","sentiment_score":0.1028362438082695}],"sentiment":"neutral","sentiment_score":0.1028362438082695,"channel":1,"num_words":1,"start":1221.395,"end":1221.895},{"sentences":[{"text":"So you probably you probably got a little bit of a redraw sitting there at the moment or some level that you could could draw down on if something were to go","start":1222.6951,"end":1228.9,"sentiment":"neutral","sentiment_score":0.05448578775394708}],"sentiment":"neutral","sentiment_score":0.05448578775394708,"channel":0,"num_words":32,"start":1222.6951,"end":1228.9},{"sentences":[{"text":"It's a little bit there, but but, yeah, not not hate.","start":1229.9901,"end":1233.13,"sentiment":"neutral","sentiment_score":0.018685042519461025}],"sentiment":"neutral","sentiment_score":0.018685042519461025,"channel":1,"num_words":11,"start":1229.9901,"end":1233.13},{"sentences":[{"text":"south.","start":1233.44,"end":1233.94,"sentiment":"neutral","sentiment_score":0.017100956290960312}],"sentiment":"neutral","sentiment_score":0.017100956290960312,"channel":0,"num_words":1,"start":1233.44,"end":1233.94},{"sentences":[{"text":"Obviously,","start":1234.0701,"end":1234.5701,"sentiment":"neutral","sentiment_score":0.028798524290323257}],"sentiment":"neutral","sentiment_score":0.028798524290323257,"channel":1,"num_words":1,"start":1234.0701,"end":1234.5701},{"sentences":[{"text":"Yeah.","start":1234.4,"end":1234.64,"sentiment":"neutral","sentiment_score":0.05935181677341461},{"text":"Yeah.","start":1234.64,"end":1235.14,"sentiment":"neutral","sentiment_score":0.07366886734962463}],"sentiment":"neutral","sentiment_score":0.06651034206151962,"channel":0,"num_words":2,"start":1234.4,"end":1235.14},{"sentences":[{"text":"fingers crossed, nothing goes wrong.","start":1235.1101,"end":1236.7301,"sentiment":"neutral","sentiment_score":0.07111149653792381}],"sentiment":"neutral","sentiment_score":0.07111149653792381,"channel":1,"num_words":5,"start":1235.1101,"end":1236.7301},{"sentences":[{"text":"Yeah.","start":1236.88,"end":1237.2,"sentiment":"neutral","sentiment_score":0.12484879791736604},{"text":"Exactly.","start":1237.2,"end":1237.7,"sentiment":"neutral","sentiment_score":0.164604052901268},{"text":"So that's like the other option is like putting more money on that to have that level of drawdown if something were to go wrong as well to also or is that sort of you're paying an extra few $100 a week towards your your mortgage or an 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TPD.","start":1275.615,"end":1290.13,"sentiment":"neutral","sentiment_score":0.2316367903893644},{"text":"And then with that, it is saving you a little bit of money at the end of the day there as well.","start":1290.99,"end":1294.93,"sentiment":"positive","sentiment_score":0.6550839841365814},{"text":"There","start":1295.55,"end":1295.79,"sentiment":"neutral","sentiment_score":0.23759138584136963}],"sentiment":"positive","sentiment_score":0.351146955234118,"channel":0,"num_words":78,"start":1275.615,"end":1295.79},{"sentences":[{"text":"Yep.","start":1295.665,"end":1296.165,"sentiment":"neutral","sentiment_score":0.2171601951122284}],"sentiment":"neutral","sentiment_score":0.2171601951122284,"channel":1,"num_words":1,"start":1295.665,"end":1296.165},{"sentences":[{"text":"also is a a little bit here about life insurance through superannuation and the cost of that and how that affects, like, retirement outcomes.","start":1295.79,"end":1302.0159,"sentiment":"neutral","sentiment_score":0.08373977771649758},{"text":"Obviously, it's still quite affordable given your level of income and your contributions going in now, but as you do get older, it does get more expensive, and we, you know, just like to keep an eye on that as well.","start":1302.0159,"end":1312.14,"sentiment":"neutral","sentiment_score":0.09937432753603632},{"text":"It's","start":1312.84,"end":1313.0801,"sentiment":"neutral","sentiment_score":0.05487276241183281}],"sentiment":"neutral","sentiment_score":0.09301477055432218,"channel":0,"num_words":66,"start":1295.79,"end":1313.0801},{"sentences":[{"text":"Yep.","start":1312.88,"end":1313.38,"sentiment":"neutral","sentiment_score":0.035225629806518555}],"sentiment":"neutral","sentiment_score":0.035225629806518555,"channel":1,"num_words":1,"start":1312.88,"end":1313.38},{"sentences":[{"text":"something to be mindful of when increasing or doing separate.","start":1313.0801,"end":1315.4,"sentiment":"neutral","sentiment_score":-0.08247282803058624},{"text":"That's why we decided in turn not to do a top up for the income protection side of things just because income protection is the more expensive insurance, and even having a a smaller policy there can add up quite a bit in terms of that in terms","start":1315.4,"end":1329.655,"sentiment":"neutral","sentiment_score":-0.059265310798461236}],"sentiment":"neutral","sentiment_score":-0.06326660687296555,"channel":0,"num_words":58,"start":1313.0801,"end":1329.655},{"sentences":[{"text":"Yep.","start":1329.4451,"end":1329.9451,"sentiment":"neutral","sentiment_score":0.0604175329208374}],"sentiment":"neutral","sentiment_score":0.0604175329208374,"channel":1,"num_words":1,"start":1329.4451,"end":1329.9451},{"sentences":[{"text":"of cost that you are paying out of your superannuation at the end of the day.","start":1329.655,"end":1332.875,"sentiment":"neutral","sentiment_score":0.08334617642685771},{"text":"With","start":1333.3351,"end":1333.5751,"sentiment":"neutral","sentiment_score":0.10903586447238922}],"sentiment":"neutral","sentiment_score":0.0848573345471831,"channel":0,"num_words":17,"start":1329.655,"end":1333.5751},{"sentences":[{"text":"Yep.","start":1333.48,"end":1333.98,"sentiment":"neutral","sentiment_score":0.11186709254980089}],"sentiment":"neutral","sentiment_score":0.11186709254980089,"channel":1,"num_words":1,"start":1333.48,"end":1333.98},{"sentences":[{"text":"the beneficiary nominations, we're just saying similar to your your superannuation that you currently hold, just nominating your your son Blake there in the event anything did happen for that MetLife policy.","start":1333.5751,"end":1343.6901,"sentiment":"neutral","sentiment_score":0.1871993823442608},{"text":"And then","start":1344.15,"end":1344.55,"sentiment":"neutral","sentiment_score":0.16244357079267502}],"sentiment":"neutral","sentiment_score":0.185743158135344,"channel":0,"num_words":34,"start":1333.5751,"end":1344.55},{"sentences":[{"text":"Yep.","start":1344.52,"end":1345.02,"sentiment":"neutral","sentiment_score":0.1058325618505478}],"sentiment":"neutral","sentiment_score":0.1058325618505478,"channel":1,"num_words":1,"start":1344.52,"end":1345.02},{"sentences":[{"text":"they're also a little bit about wills and a power of attorney here, just reviewing those, make sure they're up to date and everything.","start":1344.55,"end":1350.49,"sentiment":"neutral","sentiment_score":0.12609838228672743},{"text":"You know, having even though if anything's amicable, having an ex partner, things like that, if something were to go wrong, ex spouses and partners and estates don't don't really mix generally.","start":1351.03,"end":1360.325,"sentiment":"neutral","sentiment_score":-0.03703143935126718},{"text":"Not to say that your ex would potentially try and take anything from your your son, given that you'd probably want him to be the sole beneficiary, but, you know, money does sort of bring out the worst in people, so it's important to have those all up to","start":1360.945,"end":1372.79,"sentiment":"neutral","sentiment_score":-0.2827994414434141}],"sentiment":"neutral","sentiment_score":-0.11443635728653698,"channel":0,"num_words":105,"start":1344.55,"end":1372.79},{"sentences":[{"text":"Yep.","start":1372.6799,"end":1373.1799,"sentiment":"neutral","sentiment_score":-0.0185385849326849}],"sentiment":"neutral","sentiment_score":-0.0185385849326849,"channel":1,"num_words":1,"start":1372.6799,"end":1373.1799},{"sentences":[{"text":"date.","start":1372.79,"end":1373.29,"sentiment":"neutral","sentiment_score":0.03577563911676407},{"text":"And then in regards to if you were happy with everything, there is a disclosure for the remuneration we do receive.","start":1375.91,"end":1381.43,"sentiment":"neutral","sentiment_score":0.24066062094200225},{"text":"We do get still 66% of the upfront premiums that you do pay, which works out to be $533.","start":1381.43,"end":1388.175,"sentiment":"positive","sentiment_score":0.4769757405707711},{"text":"Now that's not an additional cost to the premium that is disclosed there.","start":1388.175,"end":1391.715,"sentiment":"neutral","sentiment_score":0.31863864339314973},{"text":"It's just what the insurer pays us for setting up the policy, doing the application, setting it up, maintaining it.","start":1391.855,"end":1397.28,"sentiment":"positive","sentiment_score":0.43245280534029007}],"sentiment":"positive","sentiment_score":0.3641019759548677,"channel":0,"num_words":74,"start":1372.79,"end":1397.28},{"sentences":[{"text":"In addition to that, we do get the trailing, which is 22% of those premiums for the MetLife and policy and then 1.65 for managing of the superannuation, which all is disclosed there in terms of your ongoing fees.","start":1397.76,"end":1410.9,"sentiment":"neutral","sentiment_score":0.31828750631748104},{"text":"So it works at the around 3,300 in terms of our total remuneration, a little bit under that for what we get.","start":1411.4401,"end":1418.075,"sentiment":"positive","sentiment_score":0.4223178110339425},{"text":"And if you were happy with everything, Michael, we'd change the underlying investments in the background for you.","start":1418.615,"end":1423.255,"sentiment":"positive","sentiment_score":0.36633943269650143},{"text":"We'd get you booked in for that application process to do those insurances and get that all sorted.","start":1423.255,"end":1429.36,"sentiment":"positive","sentiment_score":0.37111013962162864},{"text":"Once that was done there, we would look at removing the life and TBD portion from that Neos cover.","start":1429.36,"end":1434.74,"sentiment":"neutral","sentiment_score":0.012988105024162092}],"sentiment":"neutral","sentiment_score":0.30366440419236135,"channel":0,"num_words":116,"start":1397.76,"end":1434.74},{"sentences":[{"text":"We wouldn't do that before we got your cover in place because we don't wanna look at getting rid of that and leaving you under insured in the meantime.","start":1434.88,"end":1440.375,"sentiment":"neutral","sentiment_score":-0.13105933984805798},{"text":"And then","start":1441.155,"end":1441.5549,"sentiment":"neutral","sentiment_score":0.08808836713433266}],"sentiment":"neutral","sentiment_score":-0.11692077810725858,"channel":0,"num_words":31,"start":1434.88,"end":1441.5549},{"sentences":[{"text":"Yep.","start":1441.44,"end":1441.94,"sentiment":"neutral","sentiment_score":0.03351790830492973}],"sentiment":"neutral","sentiment_score":0.03351790830492973,"channel":1,"num_words":1,"start":1441.44,"end":1441.94},{"sentences":[{"text":"in regards to the beneficiaries and seeing up here or reviewing real, sorry, and the power of attorney, that is up to you and your your own time.","start":1441.5549,"end":1448.6749,"sentiment":"neutral","sentiment_score":0.08430507805730615},{"text":"We can obviously send you the forms, but I can't force you to go see a solicitor and revise your will.","start":1448.6749,"end":1453.35,"sentiment":"neutral","sentiment_score":-0.0497923262772106}],"sentiment":"neutral","sentiment_score":0.02683476191394183,"channel":0,"num_words":49,"start":1441.5549,"end":1453.35},{"sentences":[{"text":"Yep.","start":1454.7749,"end":1455.2749,"sentiment":"neutral","sentiment_score":0.06538115441799164}],"sentiment":"neutral","sentiment_score":0.06538115441799164,"channel":1,"num_words":1,"start":1454.7749,"end":1455.2749},{"sentences":[{"text":"But, obviously, it's a lot","start":1456.37,"end":1457.89,"sentiment":"neutral","sentiment_score":0.006244067847728729}],"sentiment":"neutral","sentiment_score":0.006244067847728729,"channel":0,"num_words":5,"start":1456.37,"end":1457.89},{"sentences":[{"text":"Yep.","start":1457.815,"end":1458.315,"sentiment":"neutral","sentiment_score":0.00015053650713525712}],"sentiment":"neutral","sentiment_score":0.00015053650713525712,"channel":1,"num_words":1,"start":1457.815,"end":1458.315},{"sentences":[{"text":"of information coming at you quite quickly there, Michael, in terms of everything.","start":1457.89,"end":1461.59,"sentiment":"neutral","sentiment_score":0.12382682412862778},{"text":"But do you have any questions currently?","start":1461.89,"end":1464.0651,"sentiment":"neutral","sentiment_score":-0.005209843495062419},{"text":"Obviously, I was a bit sort of stretched for for time there to try and get through everything with you, but anything else that jumps out that you wanted to have a chat about?","start":1464.0651,"end":1470.805,"sentiment":"neutral","sentiment_score":-0.028732491896816474}],"sentiment":"neutral","sentiment_score":0.011043983050277111,"channel":0,"num_words":54,"start":1457.89,"end":1470.805},{"sentences":[{"text":"Not really.","start":1471.2699,"end":1471.9099,"sentiment":"neutral","sentiment_score":-0.15811781585216522},{"text":"I'm sorry.","start":1471.9099,"end":1472.3099,"sentiment":"neutral","sentiment_score":-0.2197214961051941},{"text":"You're trying to help me out and make it best for me, so I'm pretty happy to go with what you think.","start":1472.3099,"end":1477.35,"sentiment":"neutral","sentiment_score":0.20467126911336725},{"text":"It's not gonna be","start":1477.35,"end":1478.87,"sentiment":"neutral","sentiment_score":-0.09850798174738884}],"sentiment":"neutral","sentiment_score":0.11176857898632685,"channel":1,"num_words":30,"start":1471.2699,"end":1478.87},{"sentences":[{"text":"Yep.","start":1478.865,"end":1479.0,"sentiment":"neutral","sentiment_score":-0.11577572673559187}],"sentiment":"neutral","sentiment_score":-0.11577572673559187,"channel":0,"num_words":1,"start":1478.865,"end":1479.0},{"sentences":[{"text":"anything.","start":1478.87,"end":1479.37,"sentiment":"neutral","sentiment_score":-0.1286463737487793},{"text":"Like, I'm not gonna notice massive differences in terms of money coming out or anything, am I, compared to what it has been?","start":1479.525,"end":1486.185,"sentiment":"neutral","sentiment_score":-0.12160274580768916}],"sentiment":"neutral","sentiment_score":-0.1218962303052346,"channel":1,"num_words":24,"start":1478.87,"end":1486.185},{"sentences":[{"text":"No.","start":1486.92,"end":1487.4,"sentiment":"neutral","sentiment_score":-0.07084979861974716},{"text":"In terms of, like, cost wise, you're actually saving on investment costs with the recommended update.","start":1487.4,"end":1493.825,"sentiment":"neutral","sentiment_score":0.013859314378350973},{"text":"You do pay a little bit with the capital gains and switching up those few investments, but only a few $100.","start":1494.045,"end":1498.865,"sentiment":"neutral","sentiment_score":-0.024581781632843473},{"text":"And then in terms of, like, the cost of the premiums for insurances, it actually dropped a little bit overall","start":1499.005,"end":1505.005,"sentiment":"neutral","sentiment_score":-0.11501653753221035}],"sentiment":"neutral","sentiment_score":-0.045959464370690546,"channel":0,"num_words":58,"start":1486.92,"end":1505.005},{"sentences":[{"text":"Yep.","start":1504.915,"end":1505.415,"sentiment":"neutral","sentiment_score":-0.05830970406532288}],"sentiment":"neutral","sentiment_score":-0.05830970406532288,"channel":1,"num_words":1,"start":1504.915,"end":1505.415},{"sentences":[{"text":"as well.","start":1505.005,"end":1505.405,"sentiment":"neutral","sentiment_score":-0.006133435294032096},{"text":"Even though as I said, you do get those exclusions on the policy, overall, you're paying paying less, and you do have a more comprehensive definition for your total permanent disability.","start":1505.405,"end":1514.35,"sentiment":"neutral","sentiment_score":-0.10864222746702933},{"text":"It just means that those the knees and the lower back are excluded on that policy.","start":1514.35,"end":1518.37,"sentiment":"neutral","sentiment_score":-0.13314450532197952}],"sentiment":"neutral","sentiment_score":-0.1124589389228091,"channel":0,"num_words":49,"start":1505.005,"end":1518.37},{"sentences":[{"text":"Yep.","start":1519.235,"end":1519.735,"sentiment":"neutral","sentiment_score":0.029355181381106377}],"sentiment":"neutral","sentiment_score":0.029355181381106377,"channel":1,"num_words":1,"start":1519.235,"end":1519.735},{"sentences":[{"text":"Yep.","start":1520.99,"end":1521.255,"sentiment":"neutral","sentiment_score":0.033152978867292404},{"text":"So those are the","start":1521.255,"end":1522.135,"sentiment":"neutral","sentiment_score":0.031328707467764616}],"sentiment":"neutral","sentiment_score":0.03169356174767017,"channel":0,"num_words":5,"start":1520.99,"end":1522.135},{"sentences":[{"text":"Yep.","start":1521.8,"end":1522.3,"sentiment":"neutral","sentiment_score":0.02679145708680153}],"sentiment":"neutral","sentiment_score":0.02679145708680153,"channel":1,"num_words":1,"start":1521.8,"end":1522.3},{"sentences":[{"text":"the key differences.","start":1522.135,"end":1522.955,"sentiment":"neutral","sentiment_score":0.026913324370980263},{"text":"Yeah.","start":1523.095,"end":1523.595,"sentiment":"neutral","sentiment_score":0.07678048312664032},{"text":"So overall, you'd probably save around $5.40 ish dollars in terms of, like, the costs ongoing from what you save on the insurances and then also the investment fees there as well.","start":1524.135,"end":1538.4501,"sentiment":"neutral","sentiment_score":0.13713134650606662}],"sentiment":"neutral","sentiment_score":0.12627009845649204,"channel":0,"num_words":36,"start":1522.135,"end":1538.4501},{"sentences":[{"text":"I'm good.","start":1539.6649,"end":1540.405,"sentiment":"neutral","sentiment_score":0.32049715518951416},{"text":"Yeah.","start":1542.145,"end":1542.465,"sentiment":"neutral","sentiment_score":0.33203375339508057}],"sentiment":"neutral","sentiment_score":0.32434268792470294,"channel":1,"num_words":3,"start":1539.6649,"end":1542.465},{"sentences":[{"text":"Perfect.","start":1542.27,"end":1542.77,"sentiment":"positive","sentiment_score":0.48049890995025635}],"sentiment":"positive","sentiment_score":0.48049890995025635,"channel":0,"num_words":1,"start":1542.27,"end":1542.77},{"sentences":[{"text":"Well, I'm all good.","start":1542.465,"end":1543.025,"sentiment":"positive","sentiment_score":0.43916434794664383},{"text":"I went on the I think I saw in that form that you sent me, so it should be","start":1543.025,"end":1547.345,"sentiment":"neutral","sentiment_score":0.27817384271245255}],"sentiment":"neutral","sentiment_score":0.3061721914488336,"channel":1,"num_words":23,"start":1542.465,"end":1547.345},{"sentences":[{"text":"Okay.","start":1547.31,"end":1547.81,"sentiment":"positive","sentiment_score":0.3394296169281006}],"sentiment":"positive","sentiment_score":0.3394296169281006,"channel":0,"num_words":1,"start":1547.31,"end":1547.81},{"sentences":[{"text":"all good to go.","start":1547.345,"end":1548.18,"sentiment":"positive","sentiment_score":0.46472901850938797}],"sentiment":"positive","sentiment_score":0.46472901850938797,"channel":1,"num_words":4,"start":1547.345,"end":1548.18},{"sentences":[{"text":"Do you want some time, like, when we put a hold on it a little bit until you've had a chance to read through it and make sure you are happy with everything, come back with any","start":1549.47,"end":1556.0951,"sentiment":"neutral","sentiment_score":0.21193769936626022}],"sentiment":"neutral","sentiment_score":0.21193769936626022,"channel":0,"num_words":37,"start":1549.47,"end":1556.0951},{"sentences":[{"text":"And","start":1555.9401,"end":1556.18,"sentiment":"neutral","sentiment_score":0.0955645889043808}],"sentiment":"neutral","sentiment_score":0.0955645889043808,"channel":1,"num_words":1,"start":1555.9401,"end":1556.18},{"sentences":[{"text":"questions","start":1556.0951,"end":1556.3351,"sentiment":"neutral","sentiment_score":0.13802766799926758}],"sentiment":"neutral","sentiment_score":0.13802766799926758,"channel":0,"num_words":1,"start":1556.0951,"end":1556.3351},{"sentences":[{"text":"to go","start":1556.18,"end":1556.5,"sentiment":"neutral","sentiment_score":0.12999273836612701}],"sentiment":"neutral","sentiment_score":0.12999273836612701,"channel":1,"num_words":2,"start":1556.18,"end":1556.5},{"sentences":[{"text":"you","start":1556.3351,"end":1556.5751,"sentiment":"neutral","sentiment_score":0.1014324352145195}],"sentiment":"neutral","sentiment_score":0.1014324352145195,"channel":0,"num_words":1,"start":1556.3351,"end":1556.5751},{"sentences":[{"text":"to","start":1556.5,"end":1557.0,"sentiment":"neutral","sentiment_score":0.1176249384880066}],"sentiment":"neutral","sentiment_score":0.1176249384880066,"channel":1,"num_words":1,"start":1556.5,"end":1557.0},{"sentences":[{"text":"might have?","start":1556.5751,"end":1557.2351,"sentiment":"neutral","sentiment_score":0.08492231369018555}],"sentiment":"neutral","sentiment_score":0.08492231369018555,"channel":0,"num_words":2,"start":1556.5751,"end":1557.2351},{"sentences":[{"text":"to be honest, I'm just happy to go with what's what you've said.","start":1557.8601,"end":1561.16,"sentiment":"positive","sentiment_score":0.37370797934440464},{"text":"Yeah.","start":1561.3,"end":1561.575,"sentiment":"neutral","sentiment_score":0.033452749252319336},{"text":"I'm probably not really not understanding anyway, so I'll just go with what's going.","start":1562.0549,"end":1567.195,"sentiment":"neutral","sentiment_score":-0.05865577111087207}],"sentiment":"neutral","sentiment_score":0.14537413161347754,"channel":1,"num_words":28,"start":1557.8601,"end":1567.195},{"sentences":[{"text":"Yep.","start":1568.75,"end":1569.1499,"sentiment":"neutral","sentiment_score":0.11196500062942503},{"text":"Not a problem.","start":1569.1499,"end":1569.71,"sentiment":"neutral","sentiment_score":0.19832990566889444},{"text":"If you do have any questions or come back with anything, there is a quite simple piece of advice at the end of the day there, Michael, in terms of, like, retraining your super, doing a little update with the investments, getting you the life and TPD portion that you, like, will be able to potentially claim on the future as opposed to ADL definition.","start":1569.71,"end":1588.015,"sentiment":"neutral","sentiment_score":0.303383782849862},{"text":"Those, pardon me, are the key changes with that one.","start":1588.3151,"end":1591.45,"sentiment":"neutral","sentiment_score":0.08603928722441197}],"sentiment":"neutral","sentiment_score":0.2694594110774843,"channel":0,"num_words":79,"start":1568.75,"end":1591.45},{"sentences":[{"text":"Cool.","start":1592.1101,"end":1592.535,"sentiment":"positive","sentiment_score":0.4697251319885254},{"text":"Not perfect, Javier.","start":1592.6951,"end":1593.755,"sentiment":"neutral","sentiment_score":-0.02239363268017769}],"sentiment":"neutral","sentiment_score":0.10063605848699808,"channel":1,"num_words":4,"start":1592.1101,"end":1593.755},{"sentences":[{"text":"From there, obviously, we'll be in touch, or I can even book in a time to go through that personal statement for the insurances.","start":1594.63,"end":1601.77,"sentiment":"neutral","sentiment_score":0.17205830663442612},{"text":"Is there a time that sort of best suits you sort of maybe end of this week, start of next week?","start":1601.83,"end":1607.075,"sentiment":"neutral","sentiment_score":0.10436847451187316}],"sentiment":"neutral","sentiment_score":0.14046971831056806,"channel":0,"num_words":45,"start":1594.63,"end":1607.075},{"sentences":[{"text":"What's that for?","start":1608.16,"end":1608.64,"sentiment":"neutral","sentiment_score":0.014627157400051752},{"text":"Sorry.","start":1608.64,"end":1609.14,"sentiment":"neutral","sentiment_score":-0.13722987473011017}],"sentiment":"neutral","sentiment_score":-0.023337100632488728,"channel":1,"num_words":4,"start":1608.16,"end":1609.14},{"sentences":[{"text":"The the personal statement just for the insurances applying for that new cover even sometime even the same time next week maybe potentially?","start":1609.775,"end":1617.0801,"sentiment":"neutral","sentiment_score":-0.0748967026238856}],"sentiment":"neutral","sentiment_score":-0.0748967026238856,"channel":0,"num_words":23,"start":1609.775,"end":1617.0801},{"sentences":[{"text":"Yeah.","start":1619.12,"end":1619.52,"sentiment":"neutral","sentiment_score":0.20823925733566284},{"text":"That should be fine.","start":1619.52,"end":1620.555,"sentiment":"positive","sentiment_score":0.3762292191386223}],"sentiment":"positive","sentiment_score":0.3426312267780304,"channel":1,"num_words":5,"start":1619.12,"end":1620.555},{"sentences":[{"text":"Yep.","start":1622.02,"end":1622.42,"sentiment":"neutral","sentiment_score":0.26593178510665894},{"text":"I'll chuck that down.","start":1622.42,"end":1623.38,"sentiment":"neutral","sentiment_score":0.14705919101834297},{"text":"And then if you do have any questions from, like, the document having a look through that in the meantime, if you do have happen to have a look over over the weekend, feel free to just let them know during that booking, and I can probably maybe spare a few minutes to jump on and answer any questions you might have.","start":1623.38,"end":1636.505,"sentiment":"neutral","sentiment_score":0.23875872959052363}],"sentiment":"neutral","sentiment_score":0.23368969826555963,"channel":0,"num_words":67,"start":1622.02,"end":1636.505},{"sentences":[{"text":"Yep.","start":1637.0,"end":1637.48,"sentiment":"neutral","sentiment_score":0.1816872805356979},{"text":"No worries.","start":1637.48,"end":1638.22,"sentiment":"neutral","sentiment_score":0.32916587591171265}],"sentiment":"neutral","sentiment_score":0.28000634411970776,"channel":1,"num_words":3,"start":1637.0,"end":1638.22},{"sentences":[{"text":"No problems, Michael.","start":1638.885,"end":1639.765,"sentiment":"positive","sentiment_score":0.5311427811781565},{"text":"Well, thanks for your time this afternoon.","start":1639.765,"end":1641.225,"sentiment":"positive","sentiment_score":0.7962941612516131},{"text":"I hope you enjoy the rest of your afternoon, and then we yeah.","start":1641.525,"end":1644.3749,"sentiment":"positive","sentiment_score":0.6778004261163565},{"text":"We'll we'll chat soon.","start":1644.3749,"end":1645.6749,"sentiment":"positive","sentiment_score":0.5092266798019409}],"sentiment":"positive","sentiment_score":0.6672518418894874,"channel":0,"num_words":27,"start":1638.885,"end":1645.6749},{"sentences":[{"text":"Appreciate it.","start":1646.28,"end":1646.84,"sentiment":"positive","sentiment_score":0.7476069033145905},{"text":"Thank you.","start":1646.84,"end":1647.58,"sentiment":"positive","sentiment_score":0.6902424693107605}],"sentiment":"positive","sentiment_score":0.7189246863126755,"channel":1,"num_words":4,"start":1646.28,"end":1647.58},{"sentences":[{"text":"Thanks, mate.","start":1647.815,"end":1648.3749,"sentiment":"positive","sentiment_score":0.6651712656021118},{"text":"Bye.","start":1648.3749,"end":1648.8749,"sentiment":"positive","sentiment_score":0.4376490116119385}],"sentiment":"positive","sentiment_score":0.5893305142720541,"channel":0,"num_words":3,"start":1647.815,"end":1648.8749},{"sentences":[{"text":"Thanks.","start":1649.24,"end":1649.64,"sentiment":"positive","sentiment_score":0.5352352857589722},{"text":"Bye.","start":1649.64,"end":1650.14,"sentiment":"neutral","sentiment_score":-0.0604751855134964}],"sentiment":"neutral","sentiment_score":0.23738005012273788,"channel":1,"num_words":2,"start":1649.24,"end":1650.14}]},"summary":{"result":"success","short":"During a call with Michael, the agent recommends changing investments and staying in a life and total permanent disability coverage, removing underperforming plans, and moving away from an index approach to lower investment costs. The agent emphasizes the importance of maintaining an insurance coverage and risk profile, maintaining a similar allocation to growth assets, and considering all benefits. They also explain the process of insurance coverage and offer to assist with any questions. The agent emphasizes the importance of updating all policy information and provides a letter of offer for the customer."},"intents":{"segments":[{"text":"I've got you scheduled in to go through that statement advice piece this afternoon.","start_word":23,"end_word":36,"intents":[{"intent":"Schedule statement advice","confidence_score":0.6185425}]},{"text":"Now just before we jump into that today then, Mike, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today. Michael Armstrong.","start_word":138,"end_word":173,"intents":[{"intent":"Pass through security","confidence_score":0.81192017}]},{"text":"But I'll be sending this via your email at Mick Armstrong nineteen eighty three. Is that still correct? Yeah.","start_word":268,"end_word":286,"intents":[{"intent":"Send document via email","confidence_score":0.32206395}]},{"text":"So you'll have a copy of your statement advice, the appendix, the insurance quotes within that as well, and then a PDF document for everything that was recommended.","start_word":357,"end_word":384,"intents":[{"intent":"Provide advice and help with advice","confidence_score":0.000020122328}]},{"text":"Now it's the TPD that's very concerned because as I noticed when I was reviewing your account, that ADL definition, it's not a comprehensive definition, and it means that you have to be injured to the point where you can't look after yourself for your regular and day to day activities like getting dressed, feeding yourself, things like that, which is quite a strict definition.","start_word":1041,"end_word":1105,"intents":[{"intent":"Review account","confidence_score":0.21192007},{"intent":"Explain definition","confidence_score":0.2996769},{"intent":"Review account","confidence_score":0.011467312}]},{"text":"Now if it was explained to you what activities and daily living means in terms of a definition you have to meet for total permanent disability, given that, you'd know, you have to not be able to feed yourself, dress yourself, those sort of activities to meet the criteria to have that payout in the event that you were injured, would you have taken out that policy or, like, accepted Probably that not.","start_word":1184,"end_word":1256,"intents":[{"intent":"Consider policy","confidence_score":0.020201312}]},{"text":"So I can answer anything in regards to the recommendation once you go through it and have a read through it and have a look over it and see if you're happy with it or not.","start_word":1416,"end_word":1451,"intents":[{"intent":"Discuss policy changes and recommendations","confidence_score":0.0022462488}]},{"text":"Now in terms of the recommendation, we are recommending that you move away from the that was underperforming the active managed fund and going more of an index approach, which is cheaper, which is gonna in turn lower your investment costs that you are paying.","start_word":1564,"end_word":1608,"intents":[{"intent":"Discuss rewriting options and costs","confidence_score":0.000014061077}]},{"text":"As I said, in terms of, like, maintaining the fund, you don't have to pay a full CGT. The cost of switching investments due to Benelon being down a little bit is only around that 200, a bit under dollars when switching everything around.","start_word":1715,"end_word":1758,"intents":[{"intent":"Discuss cgt impact on investment costs","confidence_score":0.00001894985}]},{"text":"There's no guarantee that the recommended portfolio will outperform your existing portfolio or the market scenarios that were presented in those, like, five year rolling averages because, obviously, the five years aren't gonna replicate year on year with that. Yep.","start_word":1787,"end_word":1826,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.47519597}]},{"text":"But in term, we're just looking at keeping the same for now because going through a new policy, the level that you'd be applying for to bridge the gap isn't a huge amount, and it would be worth having a separate IP policy that you'd be paying for.","start_word":2502,"end_word":2549,"intents":[{"intent":"Analyze policy requirements and impact on future results","confidence_score":8.318737e-10}]},{"text":"at rewriting the life and total permanent disability, And then that's for the same amount that you're currently covered for, which is in line with your your current needs given your debt, income replacement, things like that as well.","start_word":2555,"end_word":2593,"intents":[{"intent":"Rewrite policy","confidence_score":0.35452455}]},{"text":"Now the risk with these, obviously, Michael, is given that it's two or three depending on if they considered bilateral or two separate exclusions, that's three.","start_word":2652,"end_word":2677,"intents":[{"intent":"Clarify policy requirements and benefits","confidence_score":0.000011459617},{"intent":"Clarify policy requirements and risks","confidence_score":0.0048460374}]},{"text":"of it, even though you've got two split across two different providers, so the life and TPD would be with MetLife. It is cheaper. It would be in two separate spots, so it is a little bit more administratively a bit more annoying, but it worked out to be cheaper, more comprehensive than not only your current policy if it was in place, but it just rewriting with Neos there as well. Yep.","start_word":3002,"end_word":3074,"intents":[{"intent":"Analyze policy benefits","confidence_score":0.1985895}]},{"text":"Obviously, in regards to the income protection side of things, you're about a thousand dollars a month sort of off what your income would suggest being on a 100 and sixteen thousand and seventy percent of that.","start_word":3191,"end_word":3227,"intents":[{"intent":"Inquire about income savings","confidence_score":0.00002195327}]},{"text":"Otherwise, we could look at doing some form of pop up cover, which would have those exclusions, if that makes sense. Yeah.","start_word":3673,"end_word":3694,"intents":[{"intent":"Discuss policy options","confidence_score":0.08009934}]},{"text":"So and then you'd look at increasing that level of cover that doesn't have those exclusions, no level of underwriting, and it's more comprehensive than if you were Yep. to do look at doing a separate policy. And then that way, if you did that this year, it gets you much closer that there's only around a thousand dollar difference even based on your sort of new new income. Yeah.","start_word":3913,"end_word":3982,"intents":[{"intent":"Address policy considerations","confidence_score":0.00011113202}]},{"text":"within regards to that as well as obviously benefits and disadvantages of that, the benefit is you have a more comprehensive total permanent disability definition even though you do have those exclusions, and then you're maintaining that income protection that doesn't have those exclusions, and then you're getting rid of that Neos life and TPD.","start_word":4298,"end_word":4352,"intents":[{"intent":"Reinstate benefits and disadvantages","confidence_score":0.000056187248}]},{"text":"within regards to that as well as obviously benefits and disadvantages of that, the benefit is you have a more comprehensive total permanent disability definition even though you do have those exclusions, and then you're maintaining that income protection that doesn't have those exclusions, and then you're getting rid of that Neos life and TPD. And then with that, it is saving you a little bit of money at the end of the day there as well.","start_word":4298,"end_word":4374,"intents":[{"intent":"Inform about new policy and plan","confidence_score":4.9191414e-7}]},{"text":"something to be mindful of when increasing or doing separate.","start_word":4444,"end_word":4453,"intents":[{"intent":"Highlight importance of information","confidence_score":0.0000011059509}]},{"text":"the beneficiary nominations, we're just saying similar to your your superannuation that you currently hold, just nominating your your son Blake there in the event anything did happen for that MetLife policy. And then Yep.","start_word":4521,"end_word":4555,"intents":[{"intent":"Discuss cost and impact of superannuation and beneficiary nominations","confidence_score":0.00024671922}]},{"text":"they're also a little bit about wills and a power of attorney here, just reviewing those, make sure they're up to date and everything.","start_word":4556,"end_word":4579,"intents":[{"intent":"Discuss power of attorney","confidence_score":0.0014986787}]},{"text":"You know, having even though if anything's amicable, having an ex partner, things like that, if something were to go wrong, ex spouses and partners and estates don't don't really mix generally.","start_word":4580,"end_word":4611,"intents":[{"intent":"Inquire about ex spouses and partners","confidence_score":0.00022857221}]},{"text":"Not to say that your ex would potentially try and take anything from your your son, given that you'd probably want him to be the sole beneficiary, but, you know, money does sort of bring out the worst in people, so it's important to have those all up to Yep. date.","start_word":4613,"end_word":4663,"intents":[{"intent":"Apologize for ex's actions","confidence_score":0.00045542748}]},{"text":"Even though as I said, you do get those exclusions on the policy, overall, you're paying paying less, and you do have a more comprehensive definition for your total permanent disability. It just means that those the knees and the lower back are excluded on that policy. Yep.","start_word":5110,"end_word":5157,"intents":[{"intent":"Evaluate benefits","confidence_score":0.00018988417}]},{"text":"So overall, you'd probably save around $5.40 ish dollars in terms of, like, the costs ongoing from what you save on the insurances and then also the investment fees there as well.","start_word":5168,"end_word":5199,"intents":[{"intent":"Discuss savings","confidence_score":0.023385419}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.06262201070785522},{"text":"Good afternoon, Michael.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.35217952728271484},{"text":"It's Carl calling from ICU Financial. How are you today?","start_word":4,"end_word":13,"sentiment":"neutral","sentiment_score":0.2908974885940552},{"text":"Thank you.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.4991501271724701},{"text":"Yourself? Yeah. Not too bad at all.","start_word":16,"end_word":22,"sentiment":"neutral","sentiment_score":0.28460556268692017},{"text":"I've got you scheduled in to go through that statement advice piece this afternoon.","start_word":23,"end_word":36,"sentiment":"positive","sentiment_score":0.3738536238670349},{"text":"Is now still a good time Yep. How long for are you talking? you? It depends how much time you have. So I can go through, like, a brief overview, and you can have some time to read over it and then come back with any questions. Or if you've got a bit more time, it could be around that sort of thirty plus minute mark if you wanna go a bit more in-depth, have a few questions in regards to what is explained and presented. Probably the brief one would do me.","start_word":37,"end_word":129,"sentiment":"neutral","sentiment_score":0.09460191428661346},{"text":"Thank you.","start_word":130,"end_word":131,"sentiment":"positive","sentiment_score":0.4608018100261688},{"text":"Yep. Not a problem at all. Now just before we jump into that today then, Mike, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today. Michael Armstrong. 1983. 1 Of 20 Churchill Circuit, Hamilton Perfect.","start_word":132,"end_word":181,"sentiment":"neutral","sentiment_score":0.12388761341571808},{"text":"Thanks for that.","start_word":182,"end_word":184,"sentiment":"positive","sentiment_score":0.49702975153923035},{"text":"And, Michael, I definitely know these calls are recorded for quality and training purposes there as well. Now I do apologize for the time it's taken to to get you this document. Obviously, thousand. there's a few business changes in the meantime, plus the the issues with the insurances as well and then the Christmas break. So that's taken a bit longer to get everything together, but it's all sorted now, and I'll let you know what it sort of come through there. But I'll be sending this via your email at Mick Armstrong nineteen eighty three. Is that still correct? Yeah. That's correct.","start_word":185,"end_word":288,"sentiment":"neutral","sentiment_score":-0.02966020070016384},{"text":"Perfect.","start_word":289,"end_word":289,"sentiment":"positive","sentiment_score":0.35754889249801636},{"text":"And that's at Gmail dot com. So that'll be in your inbox shortly. It sounds like you might be in the car or something like that as well. So Yep. don't feel like you have to open up while you're driving. But with this document here, we're coming by OdooSign, not the DocuSign we used regularly previously. And with that, you'll have attachments in that email. So you'll have a copy of your statement advice, the appendix, the insurance quotes within that as well, and then a PDF document for everything that was recommended. With that as well, you will have a link. And with that link, it is the signable document that includes the quotes if you're happy with everything, the ongoing service agreement if you are happy with everything, and then also the advice piece if you are happy to implement the advice as well.","start_word":290,"end_word":436,"sentiment":"neutral","sentiment_score":0.18322576217505396},{"text":"Now as far as the advice goes, so it is in line with best interest to you still there. So advice is we're bound by that to put you in a better position than where you currently are.","start_word":437,"end_word":474,"sentiment":"positive","sentiment_score":0.40664929151535034},{"text":"As far as the advice piece itself, we're looking into superannuation, your insurances, and the estate planning side of things. As far as everything we touched on during conversation, we're not addressing currently. We're not looking at trauma insurance because you didn't wanna look at that given the the out of pocket costs. We weren't touching on your cash flow and budgeting, retirement planning, and debt management at this time. But it is something that we're aware of based on your goals and what you are working towards, but we're not making a recommendation in regards to those, if that makes sense. Yep. Perfect. There is limited advice warning just to state as above, like, we're only touching on the super insurance and estate planning side of things. Everything else we're aware of, but we're not making that recommendation. There is on page six your goals and then a brief overview of the advice. So with that, we did review your current fund, your net wealth account compared to some other alternatives. It's just worked out given the capital gains that is liable for your fund and net wealth itself.","start_word":475,"end_word":664,"sentiment":"neutral","sentiment_score":-0.06858113408088684},{"text":"It's still like a valued product. You still got good user interface with, like, yourself if you're able to log on and have a look at your superannuation, track it, do your reporting, and have a little look and follow along. In addition to that one in terms of, like, cost and product features in the back end as well, it's still quite good.","start_word":665,"end_word":728,"sentiment":"positive","sentiment_score":0.41429194808006287},{"text":"Yep. But we are recommending you do change your underlying investments with that, which I'll get on to in a bit. And then with that with the insurance side of things, now I know this was a bit of a bit of area of a concern there for you, Michael, given what did happen. But with that, we are recommending that you retain your income protection policy because that doesn't have those exclusions we're talking about during that pre assessment process, maintaining those, Yep. and then just reapplying reapplying for that life and TPD portion because the TPD you had currently is that activities daily living definition, which isn't too good versus, like, the any occupation you're eligible for there as well, which I'll touch on a little bit later as well. And then with that, setting up the beneficiary nominations for the recommended insurance, reviewing your will, making sure your power of attorney is all active and up to date as your will is part of that, which I know you do have a power of attorney in your will, in place. Yep. And just before I go into everything else there, Michael, in terms of, like, your circumstances, like your house, your car, your job, has anything changed since we sort of have been speaking over the, you know, the few months?","start_word":729,"end_word":952,"sentiment":"neutral","sentiment_score":0.11052832007408142},{"text":"Not really.","start_word":953,"end_word":954,"sentiment":"negative","sentiment_score":-0.3648800551891327},{"text":"Still still the same, I guess. Yeah. All largely unchanged. Yeah. Because we do Yep. have your details, obviously, listed about you. Obviously, the figures may have changed slightly with you paying down from your mortgage and things like that. But these figures, they're just based on, like, the previous discussions, but that doesn't really affect the advice piece too much anywhere. Now as Yep. far as the insurance you do have, you do have that Nios cover with the life TPD and income protection.","start_word":955,"end_word":1039,"sentiment":"neutral","sentiment_score":0.12260983884334564},{"text":"Now it's the TPD that's very concerned because as I noticed when I was reviewing your account, that ADL definition, it's not a comprehensive definition, and it means that you have to be injured to the point where you can't look after yourself for your regular and day to day activities like getting dressed, feeding yourself, things like that, which is quite a strict definition.","start_word":1040,"end_word":1104,"sentiment":"negative","sentiment_score":-0.3937181830406189},{"text":"Now I'm not too sure the conversation you had back in 2019 there, Marco, but if you were explaining the definition of, like, ADL and activities daily living, would you have taken under that recommendation back in 2019 if that was explained to you a bit more clearly? Sorry. I was go again for me. So back in 2019 when you came on board and, like, had this presented, took out the income protection and the the insurances there. Now if it was explained to you what activities and daily living means in terms of a definition you have to meet for total permanent disability, given that, you'd know, you have to not be able to feed yourself, dress yourself, those sort of activities to meet the criteria to have that payout in the event that you were injured, would you have taken out that policy or, like, accepted Probably that not.","start_word":1105,"end_word":1256,"sentiment":"neutral","sentiment_score":-0.21087124943733215},{"text":"No.","start_word":1257,"end_word":1257,"sentiment":"negative","sentiment_score":-0.3666394650936126},{"text":"recommendation? Yep. Understandable. Now my job here, basically, I'm not the one that deals with reviewing your account in the sense that as a business, they look over it and what was recommended back in 2019 versus the outcome from this advice. So my job here was to review and try and put you in a position where moving forward, your sort of for your current circumstances are adequately covered, but you still will end up with those exclusions. Exclusions, but it's better than what you currently hold with that ADL. Now following the advice, if you were to accept it there, Michael, or if you weren't to accept it, There would be a committee that looks over your account as a whole, and I'd provide you a letter of offer from the advice you did receive in 2019 and how that has affected you from your position there to now, if that makes sense. Righty. Yep. So I can answer anything in regards to the recommendation once you go through it and have a read through it and have a look over it and see if you're happy with it or not. As far as what occurs from, like, that 2019 to now and then the exclusions that will apply to the new TPD or total current disability that weren't on your current policy or wouldn't have been potentially back in 2019, as I said, they will review it and provide you that letter of outcome from that. And I'm not too sure how long that will take, but they will be doing that in the back end just so you're aware. Now Yep. in terms of your risk profile, there was no change to your risk profile.","start_word":1258,"end_word":1546,"sentiment":"neutral","sentiment_score":-0.06719113649175242},{"text":"You scored high growth. You are in a high growth portfolio.","start_word":1547,"end_word":1557,"sentiment":"positive","sentiment_score":0.4428969621658325},{"text":"We just look at maintaining that. Now in terms of the recommendation, we are recommending that you move away from the that was underperforming the active managed fund and going more of an index approach, which is cheaper, which is gonna in turn lower your investment costs that you are paying. And then with that as well, your insurance premiums there will dip slightly in terms of what you're paying overall even though the policies are separated because you are rewriting that portion and you don't Yep.","start_word":1558,"end_word":1644,"sentiment":"neutral","sentiment_score":-0.051553938537836075},{"text":"have because as it gets older, it obviously gets more expensive.","start_word":1645,"end_word":1655,"sentiment":"negative","sentiment_score":-0.34774303436279297},{"text":"And then with that, it obviously the recommended fund has been performing historically better.","start_word":1656,"end_word":1669,"sentiment":"neutral","sentiment_score":0.1549890637397766},{"text":"It is cheaper.","start_word":1670,"end_word":1672,"sentiment":"positive","sentiment_score":0.3360633850097656},{"text":"And then with that, it takes out that managed risk that was that Benelon fund that isn't performing and didn't perform and had that issue back in November with their underlying Yep. investment. So I'll be getting rid of all of that. As I said, in terms of, like, maintaining the fund, you don't have to pay a full CGT. The cost of switching investments due to Benelon being down a little bit is only around that 200, a bit under dollars when switching everything around.","start_word":1673,"end_word":1758,"sentiment":"neutral","sentiment_score":0.013215994462370872},{"text":"And then moving forward, you'll actually have a lower ongoing cost.","start_word":1759,"end_word":1769,"sentiment":"positive","sentiment_score":0.4535033106803894},{"text":"Obviously, the risk of everything when you change investments is the time out of the market. There's no guarantee that the recommended portfolio will outperform your existing portfolio or the market scenarios that were presented in those, like, five year rolling averages because, obviously, the five years aren't gonna replicate year on year with that. Yep.","start_word":1770,"end_word":1825,"sentiment":"neutral","sentiment_score":-0.13444653153419495},{"text":"Now with the main things that you do get, though, is that lower cost, better track record historically. And then with that, you're maintaining a similar allocation to the growth assets.","start_word":1826,"end_word":1856,"sentiment":"positive","sentiment_score":0.35779011249542236},{"text":"You're just removing that manager risk, which in turn should remove some of that little bit of volatility as well and then the the market downsides have occurred recently.","start_word":1857,"end_word":1885,"sentiment":"neutral","sentiment_score":-0.04971832409501076},{"text":"Yep. Perfect.","start_word":1886,"end_word":1887,"sentiment":"positive","sentiment_score":0.49243709444999695},{"text":"And then within regards to the risk, obviously, when switching investments around, you got the time out in the market, those sort of things as well. Feel free to have a read through all that. I'm not gonna go too much into it given your time. Now in regards to the investments, on page 16, you'll be able to see what's selling down and what's purchasing in. So with the the main sell downs, you'll have Benelong, which will be gone. That's an actively managed fund. With that, the iShares Misky, which is like an exposure to Australia, Europe, and you'll be replacing that with a cheaper or well excluding The US Vanguard alternative, which is a little bit cheaper. Yep. It still has the same exposure outside The US and then across those European regions. And then you'll be just reducing your exposure slightly in the Japan market there as well. Right. But everything else is largely staying the same because the Yeah. other assets have been performing apart from Hack did have a little bit of a a backward step like your cyber security side of things, but all AI and tech companies have taken a little bit of backward step this month. But they have a bit of conviction in those moving forward still as opposed to that been along. Now in regards to the allocation there, your proposed is sort of sitting a little bit higher in terms of, like, the amount of growth assets you do hold. But, obviously, these change and switch slightly depending on how, like, they do in the market and how they perform in your portfolio, which do skew these a little bit, but you'll have more allocation to those growth assets at a cheaper cost and having that indexed approach to if the markets are doing well, your portfolio is doing well. If they're not doing too great, you sort of just follow the market. You're not picking those winners and losers, which what that management risk carries as well. You still have your defensive portions there as well with your bank hybrids, and then you'll also have your alternative goals, which is a bit of a split. You're not entirely growth or defensive with the gold. It does have the capital nature of growth, but also in those market downturns tends to go up as well because people go back to that harder currency. Yep.","start_word":1888,"end_word":2293,"sentiment":"neutral","sentiment_score":0.05198117808021348},{"text":"Any questions in regards to the investments or super side of things Now I'm pretty happy to take on your recommendation.","start_word":2294,"end_word":2314,"sentiment":"positive","sentiment_score":0.4357336759567261},{"text":"there, Michael?","start_word":2315,"end_word":2316,"sentiment":"neutral","sentiment_score":0.296475887298584},{"text":"Perfect.","start_word":2317,"end_word":2317,"sentiment":"positive","sentiment_score":0.6368412971496582},{"text":"Now the more important section, that insurance side of things, we are looking at maintaining that IP portion. It is a little bit less than what your current 70% of your current income. Now I know a lot of your income goes towards additionally paying down the mortgage. So the way to sort of bridge that gap is either you can look at sorta, you know, building up a bit more self insurance by building up a bit of a redraw on that to cover the sort of difference. There also is the option when it comes to the policy renewal if you'd like. When that does come up, you get that email the thirty days before the policy renewal. You do have the option for future increases if your income has increased above, like, what you're currently insured for, and that can go up to 15% of that without a level of underwriting. Because given that we don't wanna go through underwriting to get any more exclusions on that IP policy, we can look at doing that future increase if you'd like. But in term, we're just looking at keeping the same for now because going through a new policy, the level that you'd be applying for to bridge the gap isn't a huge amount, and it would be worth having a separate IP policy that you'd be paying for. And then we're just looking Yep. at rewriting the life and total permanent disability, And then that's for the same amount that you're currently covered for, which is in line with your your current needs given your debt, income replacement, things like that as well. And it Yep.","start_word":2318,"end_word":2596,"sentiment":"neutral","sentiment_score":0.14971395926449887},{"text":"actually comes out as a cheaper plus.","start_word":2597,"end_word":2603,"sentiment":"positive","sentiment_score":0.4149858951568603},{"text":"Obviously, disadvantage with that. The life standard because life's life, that you will have that lower back and bilateral knee exclusion with that one given, you know, the injuries and then also the arthroscopic clean out of the other knee that was injured previously and then the sciatica. Now the risk with these, obviously, Michael, is given that it's two or three depending on if they considered bilateral or two separate exclusions, that's three. If you get four exclusions or loadings or more, there's a risk of decline.","start_word":2604,"end_word":2691,"sentiment":"negative","sentiment_score":-0.4117763936519623},{"text":"So if you haven't disclosed anything else that we aren't previously aware of during that pre assessment process, if something else does come up during that application stage, it might result in the decline because it's too at the current with the bilateral that they're considering, but it may be split that you'd have one for each knee and the back.","start_word":2692,"end_word":2752,"sentiment":"neutral","sentiment_score":-0.3053753972053528},{"text":"And then if you get one more on top of that, then it would be at risk of decline. So that's one of the main risk factors there.","start_word":2753,"end_word":2780,"sentiment":"negative","sentiment_score":-0.41485339403152466},{"text":"But in Sorry. saying Say that that again. Sorry. Yep. So with the the way they do exclusions and loadings, if you have four exclusions or loadings, like a combination of, it can be a risk of decline.","start_word":2781,"end_word":2818,"sentiment":"neutral","sentiment_score":-0.20311357080936432},{"text":"Like, they don't want the policy because it's too sort of risky in terms of, like, what could occur.","start_word":2819,"end_word":2837,"sentiment":"negative","sentiment_score":-0.38839229941368103},{"text":"But in saying that now, you've got one for the back and then you've got one for your bilateral knee. So they consider it one because it's both knees if they do bilateral. But if they consider it as two separate exclusions for each knee, then you've got three. And then if anything else did come up in terms of, like, something you didn't disclose to us during that pre assessment pros like, progress process, sorry, then it may result in a decline if you didn't disclose anything that you would disclose during that application stage, if that makes sense. Yep. So, obviously, we're aware of the two knees and the the sciatica, which is those three. At a a max, it might be two if they consider it bilateral. And then if there's anything on top of that, then you're sort of getting up there and at risk of that. But, otherwise, it should be fine if it's just those.","start_word":2838,"end_word":2998,"sentiment":"neutral","sentiment_score":-0.10712651091610424},{"text":"The benefits Yep. of it, even though you've got two split across two different providers, so the life and TPD would be with MetLife. It is cheaper.","start_word":2999,"end_word":3025,"sentiment":"positive","sentiment_score":0.4323659837245941},{"text":"It would be in two separate spots, so it is a little bit more administratively a bit more annoying, but it worked out to be cheaper, more comprehensive than not only your current policy if it was in place, but it just rewriting with Neos there as well. Yep. Now with that, it's obviously not the the best circumstances, but moving forward, we wanna make sure you don't have that ADL definition on your policy. Because if you were to hurt yourself to a point where you couldn't work, but you can still, like, afford to, like, you know, dress yourself, cook, clean for yourself, care for yourself, then you still wouldn't meet the definition under your current policy. So we wanna get your policy. Even though it would have the exclusions, it's still better than the definition of your current TPD policy. Yep. TPD policy. Now in regards to that, it does show your needs analysis there and how they've come to that. Obviously, in regards to the income protection side of things, you're about a thousand dollars a month sort of off what your income would suggest being on a 100 and sixteen thousand and seventy percent of that. But as I said, you can look to do a 15% increase, which gets you a little bit closer or work on that self in which My oh. I'm I'm I'm recently out of pay. Right? I'm at a 130,000 now. $1.30. Yeah. Does that make a lot of difference to anything? Well, given that you're still, like, covered for the the amount that you are covered for, we aren't recommending changing that. We're looking at retaining that IP portion. The options there, we can look at doing a top up to bridge the difference, or you can just look at doing that 15% increase. Now 15% increase isn't obviously gonna get you close to one like, 70% of the one thirty. But what it does, it gives you an increase that isn't gonna go through an level of underwriting, if that makes sense. Happy to take a recommendation because I really don't yeah. Yep. So I'll give you the sort of figures and what that sort of looks like. So if you wait till the policy anniversary and do the future increase given your income, that has gone up. So currently, Yep. you're around the $5,568 as a monthly benefit if something were to happen. If you did an extra Yep. 15% of that, you're looking at, like, another $805. So there it, like, doesn't get you close to what 70% of your current income would be, but it gets you a little bit closer. So you'd be looking at around a $6,400 a month monthly benefit. Whereas if you did 70 Yep. percent of your your current income, and I'll just work out what that is. Bear with me. Then you'd be looking at more like a 7,500. So you'd still have that thousand dollar shortfall, but then the next year after that, I don't believe there is a limit.","start_word":3026,"end_word":3538,"sentiment":"neutral","sentiment_score":-0.03564596004043406},{"text":"You look at doing another 15% increase as well to try and keep getting a little bit closer, and it does CPI up each year in terms of, like, Yep.","start_word":3539,"end_word":3568,"sentiment":"positive","sentiment_score":0.4149404764175415},{"text":"the dollar figure does go up with, like, the inflationary or, like, the figure that they deem as well. But as long as you could survive off currently the 5,500, if something were to go wrong in terms of, like, paying for the the mortgage and your general expenses, it doesn't mean that you have to increase your cover. If you're comfortable if something were to go wrong that you're just on that base amount of getting the $5.50, you know, with the minus the taxes to cover, you know, your your mortgage and things like that as well, then it's more than adequate. Otherwise, we could look at doing some form of pop up cover, which would have those exclusions, if that makes sense. Yeah.","start_word":3569,"end_word":3694,"sentiment":"neutral","sentiment_score":0.11419504880905151},{"text":"I don't really like what do you think?","start_word":3695,"end_word":3702,"sentiment":"negative","sentiment_score":-0.39295709133148193},{"text":"Well, You can't if really say? yeah. No. Well, I I would look at doing when it comes around that policy anniversary just because you've already got the policy, looking at doing that future increase or the circumstance increase just to to bump that up. And then Yep. if you were to rewrite, the the difference there is you're probably looking at doing just a policy for a couple of thousand dollars that would have the exclusion for the knees and then also the back as well. Currently, if you were to, like, have to go off for your your knees due to them being injured, your current policy should cover that. And it's entirely Yep. same with the back, but even if you did a top up policy, it wouldn't cover you for that because you'd have those exclusions. And then if something were to occur where you'd take both, you'd have, like, one in conjunction with the other, and then you'd just Yep. have to pay having the dual premium. So you'd probably definitely wanna do the the future increase because you're increasing it without underwriting. But it isn't till the tenth of this year that you could look at doing that. October. And that way yeah. Yeah. So and then you'd look at increasing that level of cover that doesn't have those exclusions, no level of underwriting, and it's more comprehensive than if you were Yep. to do look at doing a separate policy. And then that way, if you did that this year, it gets you much closer that there's only around a thousand dollar difference even based on your sort of new new income. Yeah. I know. I just like, you're talking a lot of gibberish to me at the moment, to be honest. So I'll just say, yes. Just go with what yeah. Whatever you think. Yeah. I'll just put a reminder in my calendar, and I'll touch base, like, just around October when that policy does set for renewal. And then we'll Yep. do that process. And when that figure comes out, we can have a bit more of a discussion around if you'd wanna look at doing another income protection policy to help top it up, if that makes sense. Yep. Because Yep. I know at the moment, you're sort of putting most of your income towards extra payments on the mortgage to get that down quicker anyway. Yep. So you probably you probably got a little bit of a redraw sitting there at the moment or some level that you could could draw down on if something were to go It's a little bit there, but but, yeah, not not hate. south. Obviously, Yeah. Yeah. fingers crossed, nothing goes wrong. Yeah. Exactly. So that's like the other option is like putting more money on that to have that level of drawdown if something were to go wrong as well to also or is that sort of you're paying an extra few $100 a week towards your your mortgage or an offset Yep. account? That's sort of money aside as well that if something went wrong, you could use to somewhat fund, you know, living expenses as well, even bridge the gaps for for waiting periods for your income protection, things like that as well. Yep. Yep. Yeah.","start_word":3703,"end_word":4258,"sentiment":"neutral","sentiment_score":0.04966252042556839},{"text":"So feel free to have a read through all that as well as just like you said, there is a lot coming at you all at once, so feel free to definitely have a read through it.","start_word":4259,"end_word":4295,"sentiment":"positive","sentiment_score":0.3408967852592468},{"text":"Now Yep. within regards to that as well as obviously benefits and disadvantages of that, the benefit is you have a more comprehensive total permanent disability definition even though you do have those exclusions, and then you're maintaining that income protection that doesn't have those exclusions, and then you're getting rid of that Neos life and TPD.","start_word":4296,"end_word":4352,"sentiment":"neutral","sentiment_score":0.22441378235816956},{"text":"And then with that, it is saving you a little bit of money at the end of the day there as well.","start_word":4353,"end_word":4374,"sentiment":"positive","sentiment_score":0.6505669951438904},{"text":"There Yep. also is a a little bit here about life insurance through superannuation and the cost of that and how that affects, like, retirement outcomes. Obviously, it's still quite affordable given your level of income and your contributions going in now, but as you do get older, it does get more expensive, and we, you know, just like to keep an eye on that as well. It's Yep. something to be mindful of when increasing or doing separate. That's why we decided in turn not to do a top up for the income protection side of things just because income protection is the more expensive insurance, and even having a a smaller policy there can add up quite a bit in terms of that in terms Yep. of cost that you are paying out of your superannuation at the end of the day. With Yep. the beneficiary nominations, we're just saying similar to your your superannuation that you currently hold, just nominating your your son Blake there in the event anything did happen for that MetLife policy. And then Yep. they're also a little bit about wills and a power of attorney here, just reviewing those, make sure they're up to date and everything. You know, having even though if anything's amicable, having an ex partner, things like that, if something were to go wrong, ex spouses and partners and estates don't don't really mix generally. Not to say that your ex would potentially try and take anything from your your son, given that you'd probably want him to be the sole beneficiary, but, you know, money does sort of bring out the worst in people, so it's important to have those all up to Yep. date. And then in regards to if you were happy with everything, there is a disclosure for the remuneration we do receive.","start_word":4375,"end_word":4683,"sentiment":"neutral","sentiment_score":0.02259435237032696},{"text":"We do get still 66% of the upfront premiums that you do pay, which works out to be $533. Now that's not an additional cost to the premium that is disclosed there. It's just what the insurer pays us for setting up the policy, doing the application, setting it up, maintaining it.","start_word":4684,"end_word":4735,"sentiment":"positive","sentiment_score":0.4212116599082947},{"text":"In addition to that, we do get the trailing, which is 22% of those premiums for the MetLife and policy and then 1.65 for managing of the superannuation, which all is disclosed there in terms of your ongoing fees.","start_word":4736,"end_word":4774,"sentiment":"neutral","sentiment_score":0.30972743034362793},{"text":"So it works at the around 3,300 in terms of our total remuneration, a little bit under that for what we get. And if you were happy with everything, Michael, we'd change the underlying investments in the background for you. We'd get you booked in for that application process to do those insurances and get that all sorted.","start_word":4775,"end_word":4832,"sentiment":"positive","sentiment_score":0.3836129903793335},{"text":"Once that was done there, we would look at removing the life and TBD portion from that Neos cover. We wouldn't do that before we got your cover in place because we don't wanna look at getting rid of that and leaving you under insured in the meantime. And then Yep. in regards to the beneficiaries and seeing up here or reviewing real, sorry, and the power of attorney, that is up to you and your your own time. We can obviously send you the forms, but I can't force you to go see a solicitor and revise your will. Yep. But, obviously, it's a lot Yep. of information coming at you quite quickly there, Michael, in terms of everything. But do you have any questions currently? Obviously, I was a bit sort of stretched for for time there to try and get through everything with you, but anything else that jumps out that you wanted to have a chat about? Not really. I'm sorry. You're trying to help me out and make it best for me, so I'm pretty happy to go with what you think. It's not gonna be Yep. anything. Like, I'm not gonna notice massive differences in terms of money coming out or anything, am I, compared to what it has been? No. In terms of, like, cost wise, you're actually saving on investment costs with the recommended update. You do pay a little bit with the capital gains and switching up those few investments, but only a few $100. And then in terms of, like, the cost of the premiums for insurances, it actually dropped a little bit overall Yep. as well. Even though as I said, you do get those exclusions on the policy, overall, you're paying paying less, and you do have a more comprehensive definition for your total permanent disability. It just means that those the knees and the lower back are excluded on that policy. Yep. Yep. So those are the Yep. the key differences. Yeah. So overall, you'd probably save around $5.40 ish dollars in terms of, like, the costs ongoing from what you save on the insurances and then also the investment fees there as well. I'm good. Yeah.","start_word":4833,"end_word":5202,"sentiment":"neutral","sentiment_score":-0.009279795485624189},{"text":"Perfect. Well, I'm all good.","start_word":5203,"end_word":5207,"sentiment":"positive","sentiment_score":0.4408043920993805},{"text":"I went on the I think I saw in that form that you sent me, so it should be Okay.","start_word":5208,"end_word":5227,"sentiment":"neutral","sentiment_score":0.28374534845352173},{"text":"all good to go.","start_word":5228,"end_word":5231,"sentiment":"positive","sentiment_score":0.4635646939277649},{"text":"Do you want some time, like, when we put a hold on it a little bit until you've had a chance to read through it and make sure you are happy with everything, come back with any And questions to go you to might have?","start_word":5232,"end_word":5276,"sentiment":"neutral","sentiment_score":0.19130699336528775},{"text":"to be honest, I'm just happy to go with what's what you've said.","start_word":5277,"end_word":5289,"sentiment":"positive","sentiment_score":0.3678291440010071},{"text":"Yeah. I'm probably not really not understanding anyway, so I'll just go with what's going. Yep. Not a problem. If you do have any questions or come back with anything, there is a quite simple piece of advice at the end of the day there, Michael, in terms of, like, retraining your super, doing a little update with the investments, getting you the life and TPD portion that you, like, will be able to potentially claim on the future as opposed to ADL definition. Those, pardon me, are the key changes with that one.","start_word":5290,"end_word":5383,"sentiment":"neutral","sentiment_score":0.21708058324107465},{"text":"Cool.","start_word":5384,"end_word":5384,"sentiment":"positive","sentiment_score":0.4697251319885254},{"text":"Not perfect, Javier. From there, obviously, we'll be in touch, or I can even book in a time to go through that personal statement for the insurances. Is there a time that sort of best suits you sort of maybe end of this week, start of next week? What's that for? Sorry. The the personal statement just for the insurances applying for that new cover even sometime even the same time next week maybe potentially? Yeah.","start_word":5385,"end_word":5460,"sentiment":"neutral","sentiment_score":0.06507684290409088},{"text":"That should be fine.","start_word":5461,"end_word":5464,"sentiment":"positive","sentiment_score":0.3695795238018036},{"text":"Yep. I'll chuck that down. And then if you do have any questions from, like, the document having a look through that in the meantime, if you do have happen to have a look over over the weekend, feel free to just let them know during that booking, and I can probably maybe spare a few minutes to jump on and answer any questions you might have. Yep.","start_word":5465,"end_word":5532,"sentiment":"neutral","sentiment_score":0.2288944572210312},{"text":"No worries. No problems, Michael. Well, thanks for your time this afternoon. I hope you enjoy the rest of your afternoon, and then we yeah. We'll we'll chat soon. Appreciate it. Thank you. Thanks, mate. Bye. Thanks. Bye.","start_word":5533,"end_word":5570,"sentiment":"positive","sentiment_score":0.6108324527740479}],"average":{"sentiment":"neutral","sentiment_score":0.04643799470773784}}}}