{"metadata":{"transaction_key":"deprecated","request_id":"ccd4702e-e5b7-4b0c-90ee-f554ae94daa2","sha256":"c83c1d763bbd08b0153bc084f9cbb9ccc8e3d571f6153d01e6564efdd07214bc","created":"2026-03-17T04:22:22.709Z","duration":1175.3999,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4436,"output_tokens":86},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4859,"output_tokens":4869},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4859,"output_tokens":286}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. Is this Loretta? This is Veronica from Financial. How are you? Yeah. Good. Thanks. I I had you booked in for a bit of a catch up. Is now still a good time? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect. And even though I can hear that it is you, just for security purposes, could you just confirm me your full name, date of birth, and address, please? Yes. Perfect. That's exactly what I have here. Yes. 6 16125 is what I have. No. That's alright. How's your day been? I'm jealous. Good timing. Did you have good weather as well? Yep. Yes. Yeah. Oh, that's beautiful. And when when when do you go back to work again? Yeah. Well, at least you have a couple of days to just chill a bit before. Yeah. Yep. I have to. Yes. Comes with it. Well, I will try not to keep you for too long, but, essentially, do have you booked in to kind of reassess their insurances again for you. Do you kind of remember that? Are you happy to still kind of go ahead and look at the insurances? MetLife, I think, was one of them that we were looking at. Because you have Zurich. You have Zurich with Westgold? Yes. Yes. No. Yes. You do have, obviously, Zurich with Westgold already for your income protection, which is good. Mhmm. As well. Yes. So at the moment, in plum for you, you have life and TPD, for total permanent disability. Now you are currently covered for 698,164. So that is both for life and total permanent disability. You then also have a They do. You can fix it if you want with Plum Super, but it does get lower typically the older you get, and it gets more expensive. Yes. It it they do kind of they automatically decrease. So the default cover, which is what you have in plum, it automatically decrease these age. Typically, it's because the older people get the less cover they tend to need. You might have, like, less debt. You might not need to cover your income for as much if something were to happen, so they do tend to decrease. If you want us to look at, you know, that kind of tailored cover for you that we were originally looking at, that doesn't decrease. That stays the same until you change it. So it is a bit different in that it doesn't decrease just when you change it. Yeah. Yeah. Yeah. Yes. Yes. Yeah. I know they might go up again. Some people are saying Yeah. No. So if I've yeah. And is that kind of, like, if I so after today, first, I'll just kind of gauge for how much cover you want. I'll then quickly transfer you over to my colleague, Maddie. She will just run through a bit of an updated pre assessment with you. We already have most of the information. It is just to confirm if anything's changed. I will then send it off to all the insurers, so it will be Zurich and all the one out there to see what they offer. And then I'll kind of run that through with you, and you can let me know, you know, pricing and cost, stuff like that, what you wanna do. And if it is that you, you know, are happy with it, then we can then look to consolidate from super for you potentially and get cover paid just from network. So we can kind of see, obviously, what the outcome is. So if for life and TPD, for example, I can look at whatever amounts that you would like. So if you said your debt is going to be around 1,000,000, would you like it to be a million? Do you want a bit more? One yeah. And how much life cover and total permanent disability would you like to be covered for? Yep. Yeah. Yeah. Well, I can always get the price difference for you first and then see how you feel about it if you are unsure. Yeah? Yeah. Sorry. Okay. No. Unfortunately, it's not. The only the only yeah. Yeah. No. But yeah. No. Unfortunately, not because it is designed to obviously provide you for retirement. Otherwise, if you could, a lot of people would, especially in today's environment. So yeah. Not at the moment anyway. Alright. So 801000000, and 1.3, did you say? Yep. Okay. 1.210.3. And that would be the same for life and total permanent disability? Yep. Yes. Perfect. Now the other one is in your income protection. So you, at the moment, have two policies. So you have your Zurich policy that is paid from your employer. So you don't pay for it, and that is covering 75% of your salary. Now it is a two year benefit period. It only goes for two years, and you have to wait, yeah, ninety days until it starts being paid. So we can look at different options. The only thing is with income protection is that new policies can only cover you for 70% of your salary. So while you have your Westgold paid policy, if we take out another policy, you won't be able to get paid up for both. So it's it stays for two years, meaning that it will stay so, basically, it stays in place while you work for Westgold. The two years is if something were to happen to you tomorrow and you can't go back to work, it would mean that you would be paid out for two years. So that's how long you could be on claim for. So with income protection, you can typically have two years, five years, or all the way up to the age of 65. Like, that's how long you can be paid income protection if something were to happen. Now we can look at another income protection if you would like, because at the moment, you also have a plum super income protection that you pay for, which is 14,025 per month. The only reason we kind of kept that last time we did advise is because your Westgold policy is paid by the employer. So you aren't paying for two policies. You technically have two policies, but you only pay for one. Your employer pays for the other one, and the backup was more if you leave Westgold. And if you don't have plum, that means you're not gonna have anything. Yeah. Yeah. Would you like would you like me as I'm getting quote for life and PPD to see if we can consolidate Plum, would you like me to get prices for another income protection for the same, like, 70% of your income so you can have yeah? Alright. So 70 at 70% is the max you can get on new policy. That's the max. And is your income still $2.27? Your income, is that still 227,000? Yes. To 28? Yes. Yeah. Are you due to get a pay rise or something? Okay. Oh, Yeah. Yes. Right. Yeah. Up for you. That's very good. Yeah. Yeah. Yeah. For sure. Oh, wow. Right. And how does that work? Yeah. Yeah. Definitely bridge that gap. Do you know how much is due to e like, what it's going to be? No? Yeah. Yeah. Yeah. Yep. Okay. It adds up. Yeah. Yeah. Okay. Just yeah. It's waiting. Yeah. Yeah. Okay. Yeah. Okay. So there are two ways based on what you want. If your income is due to go up quite a bit, typically, I would say we might be better off to hold off until you know your income. Because if we look at if we look at income protection today, and we go, and find a policy, they would only cover you sometimes they offer payslip, and they'd only cover you for what you are currently on. So let's say we do 70% of 02/28, and then let's say in two months' time, your income is 300,000. Obviously, you're not gonna be covered for as much as you might want to. So if we go and then increase it, you'd have to go through the whole process again because the insurers are like, we are taking on more risk, so they want to reassess everything. So if it's so close, like, if it's at the end of, like, the March 31, the cutoff, and then if it's going to be shortly after that, even you still have a pretty decent policy, if something were to happen, we might be better off to wait until you have your new income because then we can get you a lot more income protection. But it is up to you. If you would like me to get quotes on what it is right now and do the 801,000,000, I'm happy to do it as well. Yeah. Yeah. I think that's better. And I what I can even do is, just because, obviously, I know life gets in the way sometime, that I can even get, when do you think roughly, if you okay? Okay. That's yeah. Yeah. That's not fair. Alright. Well, what I might do then is I will put a little reminder to reach out about mid April just to see if you have an update, so just really in about a month, to see if you have an update on time frame. And and then we can kind of see what you would like to do if you know how far away. If it's still going to be month and month, we can always look at the cover for you. Or if you we can at least kind of then assess when we have a bit more understanding of where the income is due to change and what the situation is for you. And I'll make the appointment a bit longer too then because we can do your annual review at the same time because your annual review is due in about May. So we can kind of combine it if you are happy with that because then we can kind of do the insurance and do everything. But if you do find out before, like, mid April what it's going to be, you can always just send me an email or give me a call, and we could always push it forward, like, if you find out the information earlier. Yeah. Are you happy with that? Yes. Yes. Perfect. Just to make it a bit easier and save you having to go through this twice, which which is just yeah. Sorry. I'll put a reminder about mid April. Do you know your roster and stuff? Yeah? Like, do you know when in mid April or you yeah? Yeah. Because if so yeah. Because if so, I can even just book it in now. And then, obviously, if anything changes, let me know. Yep. Yep. We can how about we do Wednesday, the fifteenth of April? Mhmm. Yep. And do you prefer morning or afternoon? Morning school? Okay. So if I do if I do 11:00 my time, which then be 09:00 your time. Is that too early? Okay. K. Let me have a little look. So about 12:00. Yep. We can do 12:00 your time on Wednesday, the fifteenth. Yeah? Alright. Would you like me to send a reminder text, like, two hours before in case something comes up and you can't make it? Nah. Yeah. No. You're you're pretty good. You always answer, which I appreciate very much. Alright. So that is Wednesday, April 15 at 12PM your time. I'll have the stuff for the annual review at the same time so we can do it. Hopefully, you have a bit more information on your income protection as well, and we can kind of combine and look at everything together. Yep. Perfect. Now no. That's okay. Now there is just one thing I have noticed as well is that the ID we have on file has expired. I think it expired your driver's license or ID. Did you get a new one a few months ago? Yeah. Yeah. Okay. Perfect. Would you be able to, when you have a moment, send me a photo of the front and the back of your license? You can just send it directly to my email. And you have my email? Yes. Yep. That's the one. So if you could just when you have a moment, just send a photo of the front and the back, that would be great. I'll get that saved. Otherwise, I will give you a call on the April 15. But like I said, if you find out earlier or anything changes, just let me know because we can always just bring that forward. Yep. No problem at all. Do you have any other questions for me otherwise today before I let you go and enjoy your afternoon? No? Okay. If you think of anything, Zoe, you know, you have my email or just give me a call, and I'm happy to talk more. No problem at all. We'll speak soon. Thanks. 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afternoon. Is this Loretta? This is Veronica from Financial. How are you? Yeah.\n\nGood. Thanks. I I had you booked in for a bit of a catch up. Is now still a good time? Yeah.\n\nPerfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect. And even though I can hear that it is you, just for security purposes, could you just confirm me your full name, date of birth, and address, please?\n\nYes. Perfect. That's exactly what I have here. Yes. 6 16125 is what I have.\n\nNo. That's alright. How's your day been? I'm jealous. Good timing.\n\nDid you have good weather as well? Yep. Yes. Yeah. Oh, that's beautiful.\n\nAnd when when when do you go back to work again? Yeah. Well, at least you have a couple of days to just chill a bit before. Yeah. Yep.\n\nI have to. Yes. Comes with it. Well, I will try not to keep you for too long, but, essentially, do have you booked in to kind of reassess their insurances again for you. Do you kind of remember that?\n\nAre you happy to still kind of go ahead and look at the insurances? MetLife, I think, was one of them that we were looking at. Because you have Zurich. You have Zurich with Westgold? Yes.\n\nYes. No. Yes. You do have, obviously, Zurich with Westgold already for your income protection, which is good. Mhmm.\n\nAs well. Yes. So at the moment, in plum for you, you have life and TPD, for total permanent disability. Now you are currently covered for 698,164. So that is both for life and total permanent disability.\n\nYou then also have a They do. You can fix it if you want with Plum Super, but it does get lower typically the older you get, and it gets more expensive. Yes. It it they do kind of they automatically decrease. So the default cover, which is what you have in plum, it automatically decrease these age.\n\nTypically, it's because the older people get the less cover they tend to need. You might have, like, less debt. You might not need to cover your income for as much if something were to happen, so they do tend to decrease. If you want us to look at, you know, that kind of tailored cover for you that we were originally looking at, that doesn't decrease. That stays the same until you change it.\n\nSo it is a bit different in that it doesn't decrease just when you change it. Yeah. Yeah. Yeah. Yes.\n\nYes. Yeah. I know they might go up again. Some people are saying Yeah. No.\n\nSo if I've yeah. And is that kind of, like, if I so after today, first, I'll just kind of gauge for how much cover you want. I'll then quickly transfer you over to my colleague, Maddie. She will just run through a bit of an updated pre assessment with you. We already have most of the information.\n\nIt is just to confirm if anything's changed. I will then send it off to all the insurers, so it will be Zurich and all the one out there to see what they offer. And then I'll kind of run that through with you, and you can let me know, you know, pricing and cost, stuff like that, what you wanna do. And if it is that you, you know, are happy with it, then we can then look to consolidate from super for you potentially and get cover paid just from network. So we can kind of see, obviously, what the outcome is.\n\nSo if for life and TPD, for example, I can look at whatever amounts that you would like. So if you said your debt is going to be around 1,000,000, would you like it to be a million? Do you want a bit more? One yeah. And how much life cover and total permanent disability would you like to be covered for?\n\nYep. Yeah. Yeah. Well, I can always get the price difference for you first and then see how you feel about it if you are unsure. Yeah?\n\nYeah. Sorry. Okay. No. Unfortunately, it's not.\n\nThe only the only yeah. Yeah. No. But yeah. No.\n\nUnfortunately, not because it is designed to obviously provide you for retirement. Otherwise, if you could, a lot of people would, especially in today's environment. So yeah. Not at the moment anyway. Alright.\n\nSo 801000000, and 1.3, did you say? Yep. Okay. 1.210.3. And that would be the same for life and total permanent disability?\n\nYep. Yes. Perfect. Now the other one is in your income protection. So you, at the moment, have two policies.\n\nSo you have your Zurich policy that is paid from your employer. So you don't pay for it, and that is covering 75% of your salary. Now it is a two year benefit period. It only goes for two years, and you have to wait, yeah, ninety days until it starts being paid. So we can look at different options.\n\nThe only thing is with income protection is that new policies can only cover you for 70% of your salary. So while you have your Westgold paid policy, if we take out another policy, you won't be able to get paid up for both. So it's it stays for two years, meaning that it will stay so, basically, it stays in place while you work for Westgold. The two years is if something were to happen to you tomorrow and you can't go back to work, it would mean that you would be paid out for two years. So that's how long you could be on claim for.\n\nSo with income protection, you can typically have two years, five years, or all the way up to the age of 65. Like, that's how long you can be paid income protection if something were to happen. Now we can look at another income protection if you would like, because at the moment, you also have a plum super income protection that you pay for, which is 14,025 per month. The only reason we kind of kept that last time we did advise is because your Westgold policy is paid by the employer. So you aren't paying for two policies.\n\nYou technically have two policies, but you only pay for one. Your employer pays for the other one, and the backup was more if you leave Westgold. And if you don't have plum, that means you're not gonna have anything. Yeah. Yeah.\n\nWould you like would you like me as I'm getting quote for life and PPD to see if we can consolidate Plum, would you like me to get prices for another income protection for the same, like, 70% of your income so you can have yeah? Alright. So 70 at 70% is the max you can get on new policy. That's the max. And is your income still $2.27?\n\nYour income, is that still 227,000? Yes. To 28? Yes. Yeah.\n\nAre you due to get a pay rise or something? Okay. Oh, Yeah. Yes. Right.\n\nYeah. Up for you. That's very good. Yeah. Yeah.\n\nYeah. For sure. Oh, wow. Right. And how does that work?\n\nYeah. Yeah. Definitely bridge that gap. Do you know how much is due to e like, what it's going to be? No?\n\nYeah. Yeah. Yeah. Yep. Okay.\n\nIt adds up. Yeah. Yeah. Okay. Just yeah.\n\nIt's waiting. Yeah. Yeah. Okay. Yeah.\n\nOkay. So there are two ways based on what you want. If your income is due to go up quite a bit, typically, I would say we might be better off to hold off until you know your income. Because if we look at if we look at income protection today, and we go, and find a policy, they would only cover you sometimes they offer payslip, and they'd only cover you for what you are currently on. So let's say we do 70% of 02/28, and then let's say in two months' time, your income is 300,000.\n\nObviously, you're not gonna be covered for as much as you might want to. So if we go and then increase it, you'd have to go through the whole process again because the insurers are like, we are taking on more risk, so they want to reassess everything. So if it's so close, like, if it's at the end of, like, the March 31, the cutoff, and then if it's going to be shortly after that, even you still have a pretty decent policy, if something were to happen, we might be better off to wait until you have your new income because then we can get you a lot more income protection. But it is up to you. If you would like me to get quotes on what it is right now and do the 801,000,000, I'm happy to do it as well.\n\nYeah. Yeah. I think that's better. And I what I can even do is, just because, obviously, I know life gets in the way sometime, that I can even get, when do you think roughly, if you okay? Okay.\n\nThat's yeah. Yeah. That's not fair. Alright. Well, what I might do then is I will put a little reminder to reach out about mid April just to see if you have an update, so just really in about a month, to see if you have an update on time frame.\n\nAnd and then we can kind of see what you would like to do if you know how far away. If it's still going to be month and month, we can always look at the cover for you. Or if you we can at least kind of then assess when we have a bit more understanding of where the income is due to change and what the situation is for you. And I'll make the appointment a bit longer too then because we can do your annual review at the same time because your annual review is due in about May. So we can kind of combine it if you are happy with that because then we can kind of do the insurance and do everything.\n\nBut if you do find out before, like, mid April what it's going to be, you can always just send me an email or give me a call, and we could always push it forward, like, if you find out the information earlier. Yeah. Are you happy with that? Yes. Yes.\n\nPerfect. Just to make it a bit easier and save you having to go through this twice, which which is just yeah. Sorry. I'll put a reminder about mid April. Do you know your roster and stuff?\n\nYeah? Like, do you know when in mid April or you yeah? Yeah. Because if so yeah. Because if so, I can even just book it in now.\n\nAnd then, obviously, if anything changes, let me know. Yep. Yep. We can how about we do Wednesday, the fifteenth of April? Mhmm.\n\nYep. And do you prefer morning or afternoon? Morning school? Okay. So if I do if I do 11:00 my time, which then be 09:00 your time.\n\nIs that too early? Okay. K. Let me have a little look. So about 12:00.\n\nYep. We can do 12:00 your time on Wednesday, the fifteenth. Yeah? Alright. Would you like me to send a reminder text, like, two hours before in case something comes up and you can't make it?\n\nNah. Yeah. No. You're you're pretty good. You always answer, which I appreciate very much.\n\nAlright. So that is Wednesday, April 15 at 12PM your time. I'll have the stuff for the annual review at the same time so we can do it. Hopefully, you have a bit more information on your income protection as well, and we can kind of combine and look at everything together. Yep.\n\nPerfect. Now no. That's okay. Now there is just one thing I have noticed as well is that the ID we have on file has expired. I think it expired your driver's license or ID.\n\nDid you get a new one a few months ago? Yeah. Yeah. Okay. Perfect.\n\nWould you be able to, when you have a moment, send me a photo of the front and the back of your license? You can just send it directly to my email. And you have my email? Yes. Yep.\n\nThat's the one. So if you could just when you have a moment, just send a photo of the front and the back, that would be great. I'll get that saved. Otherwise, I will give you a call on the April 15. But like I said, if you find out earlier or anything changes, just let me know because we can always just bring that forward.\n\nYep. No problem at all. Do you have any other questions for me otherwise today before I let you go and enjoy your afternoon? No? Okay.\n\nIf you think of anything, Zoe, you know, you have my email or just give me a call, and I'm happy to talk more. No problem at all. We'll speak soon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.20846307277679443},{"text":"Is this Loretta?","start":3.28,"end":4.18,"sentiment":"neutral","sentiment_score":0.10859969506661098},{"text":"This is Veronica from Financial.","start":5.92,"end":7.54,"sentiment":"neutral","sentiment_score":0.14168142080307006},{"text":"How are you?","start":7.9199996,"end":8.66,"sentiment":"neutral","sentiment_score":0.16053723792235056},{"text":"Yeah.","start":10.88,"end":11.36,"sentiment":"neutral","sentiment_score":0.240446999669075}],"sentiment":"neutral","sentiment_score":0.15522793201463564,"num_words":14,"start":2.72,"end":11.36},{"sentences":[{"text":"Good.","start":11.36,"end":11.759999,"sentiment":"positive","sentiment_score":0.48472070693969727},{"text":"Thanks.","start":11.759999,"end":12.259999,"sentiment":"positive","sentiment_score":0.5818777084350586},{"text":"I I had you booked in for a bit of a catch up.","start":13.735,"end":15.815,"sentiment":"neutral","sentiment_score":0.2852438802902515},{"text":"Is now still a good time?","start":15.815,"end":17.195,"sentiment":"neutral","sentiment_score":0.2121558984120687},{"text":"Yeah.","start":18.215,"end":18.715,"sentiment":"neutral","sentiment_score":0.18489325046539307}],"sentiment":"neutral","sentiment_score":0.2832998863675378,"num_words":22,"start":11.36,"end":18.715},{"sentences":[{"text":"Perfect.","start":19.575,"end":20.075,"sentiment":"positive","sentiment_score":0.4056013226509094},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":21.015,"end":27.675,"sentiment":"neutral","sentiment_score":0.04005752150611631},{"text":"Yeah.","start":31.84,"end":32.32,"sentiment":"neutral","sentiment_score":0.13973060250282288},{"text":"Perfect.","start":32.32,"end":32.82,"sentiment":"neutral","sentiment_score":0.23647677898406985},{"text":"And even though I can hear that it is you, just for security purposes, could you just confirm me your full name, date of birth, and address, please?","start":33.2,"end":40.42,"sentiment":"neutral","sentiment_score":0.048898153605737855}],"sentiment":"neutral","sentiment_score":0.05521041881293058,"num_words":60,"start":19.575,"end":40.42},{"sentences":[{"text":"Yes.","start":46.754997,"end":47.254997,"sentiment":"neutral","sentiment_score":0.015078005380928516},{"text":"Perfect.","start":48.274998,"end":48.774998,"sentiment":"neutral","sentiment_score":0.12435609102249146},{"text":"That's exactly what I have here.","start":48.835,"end":50.695,"sentiment":"neutral","sentiment_score":0.07009989333649476},{"text":"Yes.","start":50.915,"end":51.235,"sentiment":"neutral","sentiment_score":0.013723431155085564},{"text":"6 16125 is what I have.","start":51.235,"end":54.535,"sentiment":"neutral","sentiment_score":0.00015571387484669685}],"sentiment":"neutral","sentiment_score":0.038312744721770285,"num_words":15,"start":46.754997,"end":54.535},{"sentences":[{"text":"No.","start":56.29,"end":56.530003,"sentiment":"neutral","sentiment_score":-0.0147097734734416},{"text":"That's alright.","start":56.530003,"end":57.170002,"sentiment":"neutral","sentiment_score":0.021339894272387028},{"text":"How's your day been?","start":57.170002,"end":58.23,"sentiment":"neutral","sentiment_score":0.06334536336362362},{"text":"I'm jealous.","start":68.130005,"end":68.880005,"sentiment":"neutral","sentiment_score":0.2122494801878929},{"text":"Good timing.","start":72.125,"end":72.945,"sentiment":"positive","sentiment_score":0.3393888473510742}],"sentiment":"neutral","sentiment_score":0.1258752839639783,"num_words":11,"start":56.29,"end":72.945},{"sentences":[{"text":"Did you have good weather as well?","start":74.045006,"end":75.90501,"sentiment":"neutral","sentiment_score":0.10547342257840293},{"text":"Yep.","start":82.62,"end":83.12,"sentiment":"neutral","sentiment_score":0.053851500153541565},{"text":"Yes.","start":85.020004,"end":85.520004,"sentiment":"neutral","sentiment_score":0.057850904762744904},{"text":"Yeah.","start":86.62,"end":87.12,"sentiment":"neutral","sentiment_score":0.13320346176624298},{"text":"Oh, that's beautiful.","start":91.26,"end":95.135,"sentiment":"neutral","sentiment_score":0.2995847413937251}],"sentiment":"neutral","sentiment_score":0.1447672345317327,"num_words":13,"start":74.045006,"end":95.135},{"sentences":[{"text":"And when when when do you go back to work again?","start":95.515,"end":99.455,"sentiment":"neutral","sentiment_score":0.05785568431019783},{"text":"Yeah.","start":101.435,"end":101.835,"sentiment":"neutral","sentiment_score":0.04417680948972702},{"text":"Well, at least you have a couple of days to just chill a bit before.","start":101.835,"end":105.775,"sentiment":"neutral","sentiment_score":0.05688527493427197},{"text":"Yeah.","start":107.035,"end":107.535,"sentiment":"neutral","sentiment_score":0.007499164901673794},{"text":"Yep.","start":115.31,"end":115.81,"sentiment":"neutral","sentiment_score":0.14512187242507937}],"sentiment":"neutral","sentiment_score":0.05815481028423227,"num_words":29,"start":95.515,"end":115.81},{"sentences":[{"text":"I have to.","start":116.270004,"end":117.090004,"sentiment":"neutral","sentiment_score":0.32111979524294537},{"text":"Yes.","start":118.35,"end":118.83,"sentiment":"positive","sentiment_score":0.3548610806465149},{"text":"Comes with it.","start":118.83,"end":119.47,"sentiment":"neutral","sentiment_score":0.29787054657936096},{"text":"Well, I will try not to keep you for too long, but, essentially, do have you booked in to kind of reassess their insurances again for you.","start":119.47,"end":128.185,"sentiment":"neutral","sentiment_score":0.05751781758886797},{"text":"Do you kind of remember that?","start":128.645,"end":130.245,"sentiment":"neutral","sentiment_score":0.03152457593629757}],"sentiment":"neutral","sentiment_score":0.09884901591576636,"num_words":40,"start":116.270004,"end":130.245},{"sentences":[{"text":"Are you happy to still kind of go ahead and look at the insurances?","start":130.245,"end":133.785,"sentiment":"neutral","sentiment_score":0.09596572097923074},{"text":"MetLife, I think, was one of them that we were looking at.","start":142.3,"end":145.20001,"sentiment":"neutral","sentiment_score":-0.043633089090387024},{"text":"Because you have Zurich.","start":152.63501,"end":154.095,"sentiment":"neutral","sentiment_score":0.0003639941569417715},{"text":"You have Zurich with Westgold?","start":154.395,"end":156.735,"sentiment":"neutral","sentiment_score":0.007695911824703217},{"text":"Yes.","start":157.675,"end":158.175,"sentiment":"neutral","sentiment_score":0.02270425297319889}],"sentiment":"neutral","sentiment_score":0.024515633704140782,"num_words":36,"start":130.245,"end":158.175},{"sentences":[{"text":"Yes.","start":160.01001,"end":160.51001,"sentiment":"neutral","sentiment_score":-0.00425229175016284},{"text":"No.","start":161.77,"end":162.27,"sentiment":"neutral","sentiment_score":-0.02254109643399715},{"text":"Yes.","start":162.41,"end":162.73001,"sentiment":"neutral","sentiment_score":0.05986267328262329},{"text":"You do have, obviously, Zurich with Westgold already for your income protection, which is good.","start":162.73001,"end":168.59001,"sentiment":"neutral","sentiment_score":0.14313238014777502},{"text":"Mhmm.","start":174.585,"end":175.085,"sentiment":"neutral","sentiment_score":0.03360142931342125}],"sentiment":"neutral","sentiment_score":0.1165082324541321,"num_words":19,"start":160.01001,"end":175.085},{"sentences":[{"text":"As well.","start":177.625,"end":178.425,"sentiment":"neutral","sentiment_score":0.07067041099071503},{"text":"Yes.","start":178.425,"end":178.925,"sentiment":"neutral","sentiment_score":0.06492270529270172},{"text":"So at the moment, in plum for you, you have life and TPD, for total permanent disability.","start":179.145,"end":188.11,"sentiment":"neutral","sentiment_score":0.03126422962283387},{"text":"Now you are currently covered for 698,164.","start":188.65,"end":195.15,"sentiment":"neutral","sentiment_score":0.04851279939923968},{"text":"So that is both for life and total permanent disability.","start":195.37,"end":199.15,"sentiment":"neutral","sentiment_score":0.0508453780785203}],"sentiment":"neutral","sentiment_score":0.04285942722816725,"num_words":37,"start":177.625,"end":199.15},{"sentences":[{"text":"You then also have a They do.","start":200.875,"end":205.455,"sentiment":"neutral","sentiment_score":-0.0010335213903869902},{"text":"You can fix it if you want with Plum Super, but it does get lower typically the older you get, and it gets more expensive.","start":206.155,"end":218.08,"sentiment":"neutral","sentiment_score":-0.0832665764540434},{"text":"Yes.","start":225.435,"end":225.935,"sentiment":"neutral","sentiment_score":0.0978267788887024},{"text":"It it they do kind of they automatically decrease.","start":226.155,"end":230.575,"sentiment":"neutral","sentiment_score":0.06298624848326047},{"text":"So the default cover, which is what you have in plum, it automatically decrease these age.","start":230.875,"end":236.25499,"sentiment":"neutral","sentiment_score":0.03133333404548466}],"sentiment":"neutral","sentiment_score":-0.015911425881344695,"num_words":58,"start":200.875,"end":236.25499},{"sentences":[{"text":"Typically, it's because the older people get the less cover they tend to need.","start":236.67,"end":242.12999,"sentiment":"neutral","sentiment_score":-0.08088735012071473},{"text":"You might have, like, less debt.","start":242.51,"end":244.84999,"sentiment":"neutral","sentiment_score":-0.023047558963298798},{"text":"You might not need to cover your income for as much if something were to happen, so they do tend to decrease.","start":245.70999,"end":250.84999,"sentiment":"neutral","sentiment_score":-0.2121755335141312},{"text":"If you want us to look at, you know, that kind of tailored cover for you that we were originally looking at, that doesn't decrease.","start":251.955,"end":259.655,"sentiment":"neutral","sentiment_score":0.13151398062705993},{"text":"That stays the same until you change it.","start":259.715,"end":263.395,"sentiment":"neutral","sentiment_score":0.05890410905703902}],"sentiment":"neutral","sentiment_score":-0.02905983472863833,"num_words":75,"start":236.67,"end":263.395},{"sentences":[{"text":"So it is a bit different in that it doesn't decrease just when you change it.","start":263.395,"end":269.19998,"sentiment":"neutral","sentiment_score":-0.008817018009722233},{"text":"Yeah.","start":273.02,"end":273.52,"sentiment":"neutral","sentiment_score":0.06883997470140457},{"text":"Yeah.","start":273.58,"end":274.08,"sentiment":"neutral","sentiment_score":0.022195156663656235},{"text":"Yeah.","start":276.3,"end":276.8,"sentiment":"neutral","sentiment_score":-0.04669899120926857},{"text":"Yes.","start":285.275,"end":285.515,"sentiment":"neutral","sentiment_score":-0.12870493531227112}],"sentiment":"neutral","sentiment_score":-0.01127205416560173,"num_words":20,"start":263.395,"end":285.515},{"sentences":[{"text":"Yes.","start":285.515,"end":286.015,"sentiment":"neutral","sentiment_score":-0.04798388481140137},{"text":"Yeah.","start":291.05,"end":291.44998,"sentiment":"neutral","sentiment_score":-0.1191621646285057},{"text":"I know they might go up again.","start":291.44998,"end":292.91,"sentiment":"neutral","sentiment_score":-0.24395958653518132},{"text":"Some people are saying Yeah.","start":294.16998,"end":296.19,"sentiment":"neutral","sentiment_score":-0.0749830413609743},{"text":"No.","start":296.25,"end":296.75,"sentiment":"neutral","sentiment_score":-0.1619313359260559}],"sentiment":"neutral","sentiment_score":-0.1607806465278069,"num_words":15,"start":285.515,"end":296.75},{"sentences":[{"text":"So if I've yeah.","start":298.25,"end":302.43,"sentiment":"neutral","sentiment_score":-0.06744147837162018},{"text":"And is that kind of, like, if I so after today, first, I'll just kind of gauge for how much cover you want.","start":304.13498,"end":311.755,"sentiment":"neutral","sentiment_score":-0.0036286243601985598},{"text":"I'll then quickly transfer you over to my colleague, Maddie.","start":312.055,"end":315.01498,"sentiment":"neutral","sentiment_score":0.0948808141052723},{"text":"She will just run through a bit of an updated pre assessment with you.","start":315.01498,"end":317.71,"sentiment":"neutral","sentiment_score":0.08668107007231031},{"text":"We already have most of the information.","start":317.71,"end":319.49,"sentiment":"neutral","sentiment_score":0.15143050679138728}],"sentiment":"neutral","sentiment_score":0.04946779992816777,"num_words":58,"start":298.25,"end":319.49},{"sentences":[{"text":"It is just to confirm if anything's changed.","start":319.87,"end":322.29,"sentiment":"neutral","sentiment_score":0.09068144066259265},{"text":"I will then send it off to all the insurers, so it will be Zurich and all the one out there to see what they offer.","start":322.99,"end":328.515,"sentiment":"neutral","sentiment_score":0.15345342772511336},{"text":"And then I'll kind of run that through with you, and you can let me know, you know, pricing and cost, stuff like that, what you wanna do.","start":329.39502,"end":336.67502,"sentiment":"neutral","sentiment_score":0.22144008055329323},{"text":"And if it is that you, you know, are happy with it, then we can then look to consolidate from super for you potentially and get cover paid just from network.","start":336.67502,"end":345.32,"sentiment":"neutral","sentiment_score":0.2551184097124684},{"text":"So we can kind of see, obviously, what the outcome is.","start":345.46002,"end":348.12003,"sentiment":"neutral","sentiment_score":0.11303450918587093}],"sentiment":"neutral","sentiment_score":0.19295781926708655,"num_words":104,"start":319.87,"end":348.12003},{"sentences":[{"text":"So if for life and TPD, for example, I can look at whatever amounts that you would like.","start":349.54,"end":354.885,"sentiment":"neutral","sentiment_score":0.04582053071094884},{"text":"So if you said your debt is going to be around 1,000,000, would you like it to be a million?","start":355.20502,"end":361.445,"sentiment":"neutral","sentiment_score":0.0789651700295508},{"text":"Do you want a bit more?","start":361.445,"end":362.825,"sentiment":"neutral","sentiment_score":0.015520770257959763},{"text":"One yeah.","start":364.165,"end":366.64502,"sentiment":"neutral","sentiment_score":0.02027393179014325},{"text":"And how much life cover and total permanent disability would you like to be covered for?","start":366.64502,"end":371.94998,"sentiment":"neutral","sentiment_score":0.029407412162981927}],"sentiment":"neutral","sentiment_score":0.04852038763102985,"num_words":62,"start":349.54,"end":371.94998},{"sentences":[{"text":"Yep.","start":380.265,"end":380.765,"sentiment":"neutral","sentiment_score":0.008144363760948181},{"text":"Yeah.","start":383.465,"end":383.965,"sentiment":"neutral","sentiment_score":-0.003850324079394341},{"text":"Yeah.","start":384.745,"end":385.245,"sentiment":"neutral","sentiment_score":0.017957061529159546},{"text":"Well, I can always get the price difference for you first and then see how you feel about it if you are unsure.","start":385.305,"end":392.525,"sentiment":"neutral","sentiment_score":0.016880674206692238},{"text":"Yeah?","start":393.12,"end":393.62,"sentiment":"neutral","sentiment_score":0.008009253069758415}],"sentiment":"neutral","sentiment_score":0.015500587445718271,"num_words":27,"start":380.265,"end":393.62},{"sentences":[{"text":"Yeah.","start":395.52002,"end":396.02002,"sentiment":"neutral","sentiment_score":0.08380749821662903},{"text":"Sorry.","start":396.16,"end":396.64,"sentiment":"neutral","sentiment_score":-0.02143120765686035},{"text":"Okay.","start":396.64,"end":397.14,"sentiment":"neutral","sentiment_score":-0.055699534714221954},{"text":"No.","start":401.44,"end":401.84,"sentiment":"neutral","sentiment_score":-0.1598457396030426},{"text":"Unfortunately, it's not.","start":401.84,"end":403.38,"sentiment":"neutral","sentiment_score":-0.17970389127731323}],"sentiment":"neutral","sentiment_score":-0.0988972367984908,"num_words":7,"start":395.52002,"end":403.38},{"sentences":[{"text":"The only the only yeah.","start":404.0,"end":405.71,"sentiment":"neutral","sentiment_score":-0.1700947105884552},{"text":"Yeah.","start":407.98502,"end":408.225,"sentiment":"neutral","sentiment_score":-0.07776939868927002},{"text":"No.","start":408.225,"end":408.545,"sentiment":"neutral","sentiment_score":-0.11791850626468658},{"text":"But yeah.","start":408.545,"end":409.105,"sentiment":"neutral","sentiment_score":-0.0901101566851139},{"text":"No.","start":409.105,"end":409.425,"sentiment":"neutral","sentiment_score":-0.2062220573425293}],"sentiment":"neutral","sentiment_score":-0.14326038286089898,"num_words":10,"start":404.0,"end":409.425},{"sentences":[{"text":"Unfortunately, not because it is designed to obviously provide you for retirement.","start":409.425,"end":413.685,"sentiment":"neutral","sentiment_score":-0.22697073221206665},{"text":"Otherwise, if you could, a lot of people would, especially in today's environment.","start":414.545,"end":419.06,"sentiment":"neutral","sentiment_score":-0.10183257093796363},{"text":"So yeah.","start":421.68,"end":422.65997,"sentiment":"neutral","sentiment_score":-0.07984728366136551},{"text":"Not at the moment anyway.","start":422.72,"end":424.09998,"sentiment":"neutral","sentiment_score":-0.16111328899860383},{"text":"Alright.","start":425.19998,"end":425.59998,"sentiment":"neutral","sentiment_score":-0.002337170299142599}],"sentiment":"neutral","sentiment_score":-0.15197183004100667,"num_words":33,"start":409.425,"end":425.59998},{"sentences":[{"text":"So 801000000, and 1.3, did you say?","start":425.59998,"end":429.62,"sentiment":"neutral","sentiment_score":0.0063592552739594665},{"text":"Yep.","start":430.73502,"end":431.23502,"sentiment":"neutral","sentiment_score":0.008513657376170158},{"text":"Okay.","start":432.255,"end":432.755,"sentiment":"neutral","sentiment_score":0.08139641582965851},{"text":"1.210.3.","start":433.935,"end":435.615,"sentiment":"neutral","sentiment_score":0.04069077968597412},{"text":"And that would be the same for life and total permanent disability?","start":435.615,"end":439.235,"sentiment":"neutral","sentiment_score":0.03552358131855726}],"sentiment":"neutral","sentiment_score":0.027336300710554828,"num_words":22,"start":425.59998,"end":439.235},{"sentences":[{"text":"Yep.","start":441.135,"end":441.455,"sentiment":"neutral","sentiment_score":0.11128222942352296},{"text":"Yes.","start":441.455,"end":441.935,"sentiment":"neutral","sentiment_score":0.24308612942695615},{"text":"Perfect.","start":441.935,"end":442.435,"sentiment":"positive","sentiment_score":0.3787478506565094},{"text":"Now the other one is in your income protection.","start":443.81,"end":445.99,"sentiment":"neutral","sentiment_score":0.08031328974498643},{"text":"So you, at the moment, have two policies.","start":446.61,"end":449.50998,"sentiment":"neutral","sentiment_score":0.05672461446374655}],"sentiment":"neutral","sentiment_score":0.09548663664609194,"num_words":20,"start":441.135,"end":449.50998},{"sentences":[{"text":"So you have your Zurich policy that is paid from your employer.","start":450.21,"end":454.44998,"sentiment":"neutral","sentiment_score":0.07225010885546605},{"text":"So you don't pay for it, and that is covering 75% of your salary.","start":454.44998,"end":459.425,"sentiment":"neutral","sentiment_score":0.07154481778187412},{"text":"Now it is a two year benefit period.","start":459.965,"end":463.405,"sentiment":"neutral","sentiment_score":0.09368580486625433},{"text":"It only goes for two years, and you have to wait, yeah, ninety days until it starts being paid.","start":463.405,"end":471.26498,"sentiment":"neutral","sentiment_score":0.03775330201575631},{"text":"So we can look at different options.","start":474.4,"end":477.12,"sentiment":"neutral","sentiment_score":0.05480229003088815}],"sentiment":"neutral","sentiment_score":0.06198406604429086,"num_words":60,"start":450.21,"end":477.12},{"sentences":[{"text":"The only thing is with income protection is that new policies can only cover you for 70% of your salary.","start":477.12,"end":485.93997,"sentiment":"neutral","sentiment_score":-0.009585693664848804},{"text":"So while you have your Westgold paid policy, if we take out another policy, you won't be able to get paid up for both.","start":486.445,"end":496.785,"sentiment":"neutral","sentiment_score":-0.029179574145625036},{"text":"So it's it stays for two years, meaning that it will stay so, basically, it stays in place while you work for Westgold.","start":502.78,"end":508.72,"sentiment":"neutral","sentiment_score":0.1666669215521087},{"text":"The two years is if something were to happen to you tomorrow and you can't go back to work, it would mean that you would be paid out for two years.","start":510.54,"end":518.455,"sentiment":"neutral","sentiment_score":-0.05572881321272542},{"text":"So that's how long you could be on claim for.","start":518.455,"end":520.695,"sentiment":"neutral","sentiment_score":0.004865910205990076}],"sentiment":"neutral","sentiment_score":0.011688716994184587,"num_words":108,"start":477.12,"end":520.695},{"sentences":[{"text":"So with income protection, you can typically have two years, five years, or all the way up to the age of 65.","start":520.695,"end":529.11,"sentiment":"neutral","sentiment_score":0.03418452690609477},{"text":"Like, that's how long you can be paid income protection if something were to happen.","start":529.11,"end":533.13,"sentiment":"neutral","sentiment_score":0.02239800989627838},{"text":"Now we can look at another income protection if you would like, because at the moment, you also have a plum super income protection that you pay for, which is 14,025 per month.","start":535.75,"end":549.72504,"sentiment":"neutral","sentiment_score":0.13438882859367313},{"text":"The only reason we kind of kept that last time we did advise is because your Westgold policy is paid by the employer.","start":549.78503,"end":559.12,"sentiment":"neutral","sentiment_score":-0.005413811329914176},{"text":"So you aren't paying for two policies.","start":559.12,"end":560.96,"sentiment":"neutral","sentiment_score":-0.037476830184459686}],"sentiment":"neutral","sentiment_score":0.0513600561209023,"num_words":100,"start":520.695,"end":560.96},{"sentences":[{"text":"You technically have two policies, but you only pay for one.","start":560.96,"end":564.4,"sentiment":"neutral","sentiment_score":-0.020542571829123932},{"text":"Your employer pays for the other one, and the backup was more if you leave Westgold.","start":564.4,"end":569.62,"sentiment":"neutral","sentiment_score":-0.08280112966895103},{"text":"And if you don't have plum, that means you're not gonna have anything.","start":570.24,"end":573.3,"sentiment":"neutral","sentiment_score":-0.10777988342138436},{"text":"Yeah.","start":584.235,"end":584.71497,"sentiment":"neutral","sentiment_score":0.002781879156827926},{"text":"Yeah.","start":584.71497,"end":585.21497,"sentiment":"neutral","sentiment_score":0.047089237719774246}],"sentiment":"neutral","sentiment_score":-0.06909651743868987,"num_words":42,"start":560.96,"end":585.21497},{"sentences":[{"text":"Would you like would you like me as I'm getting quote for life and PPD to see if we can consolidate Plum, would you like me to get prices for another income protection for the same, like, 70% of your income so you can have yeah?","start":585.755,"end":601.63,"sentiment":"neutral","sentiment_score":0.08503282080282984},{"text":"Alright.","start":602.08496,"end":602.58496,"sentiment":"neutral","sentiment_score":0.08939038962125778},{"text":"So 70 at 70% is the max you can get on new policy.","start":602.96497,"end":610.26495,"sentiment":"neutral","sentiment_score":0.03760718539930307},{"text":"That's the max.","start":612.00494,"end":612.64496,"sentiment":"neutral","sentiment_score":0.08979199081659317},{"text":"And is your income still $2.27?","start":612.64496,"end":615.14496,"sentiment":"neutral","sentiment_score":0.026408070387939613}],"sentiment":"neutral","sentiment_score":0.07126982538434475,"num_words":69,"start":585.755,"end":615.14496},{"sentences":[{"text":"Your income, is that still 227,000?","start":618.92,"end":622.54,"sentiment":"neutral","sentiment_score":-0.0028798367517689862},{"text":"Yes.","start":626.12,"end":626.62,"sentiment":"neutral","sentiment_score":0.03167225047945976},{"text":"To 28?","start":628.855,"end":629.835,"sentiment":"neutral","sentiment_score":0.016803661361336708},{"text":"Yes.","start":631.255,"end":631.755,"sentiment":"neutral","sentiment_score":0.08449213206768036},{"text":"Yeah.","start":633.415,"end":633.735,"sentiment":"neutral","sentiment_score":0.019035838544368744}],"sentiment":"neutral","sentiment_score":0.013775320300324396,"num_words":11,"start":618.92,"end":633.735},{"sentences":[{"text":"Are you due to get a pay rise or something?","start":633.735,"end":636.955,"sentiment":"neutral","sentiment_score":0.0012619996443390847},{"text":"Okay.","start":645.51,"end":646.01,"sentiment":"neutral","sentiment_score":-0.0969858393073082},{"text":"Oh, Yeah.","start":650.79004,"end":654.825,"sentiment":"neutral","sentiment_score":-0.23001624271273613},{"text":"Yes.","start":662.965,"end":663.465,"sentiment":"neutral","sentiment_score":-0.05260029062628746},{"text":"Right.","start":669.04004,"end":669.54004,"sentiment":"neutral","sentiment_score":0.07746703922748566}],"sentiment":"neutral","sentiment_score":-0.03463543864587943,"num_words":15,"start":633.735,"end":669.54004},{"sentences":[{"text":"Yeah.","start":671.28,"end":671.78,"sentiment":"neutral","sentiment_score":0.18572312593460083},{"text":"Up for you.","start":672.4,"end":673.38,"sentiment":"neutral","sentiment_score":0.2956504821777344},{"text":"That's very good.","start":674.08,"end":675.30005,"sentiment":"positive","sentiment_score":0.3618139823277791},{"text":"Yeah.","start":675.68005,"end":676.18005,"sentiment":"neutral","sentiment_score":0.13770483434200287},{"text":"Yeah.","start":677.885,"end":678.385,"sentiment":"neutral","sentiment_score":0.11771462857723236}],"sentiment":"neutral","sentiment_score":0.26817066470781964,"num_words":9,"start":671.28,"end":678.385},{"sentences":[{"text":"Yeah.","start":680.125,"end":680.625,"sentiment":"neutral","sentiment_score":0.04591016471385956},{"text":"For sure.","start":681.40497,"end":682.14496,"sentiment":"neutral","sentiment_score":0.014605622738599777},{"text":"Oh, wow.","start":686.76495,"end":687.505,"sentiment":"neutral","sentiment_score":0.005958324298262596},{"text":"Right.","start":689.74,"end":690.24,"sentiment":"neutral","sentiment_score":-0.007004793733358383},{"text":"And how does that work?","start":691.1,"end":692.32,"sentiment":"neutral","sentiment_score":-0.008493073284626007}],"sentiment":"neutral","sentiment_score":0.003415263511917808,"num_words":11,"start":680.125,"end":692.32},{"sentences":[{"text":"Yeah.","start":695.26,"end":695.76,"sentiment":"neutral","sentiment_score":-0.1757306158542633},{"text":"Yeah.","start":698.38,"end":698.88,"sentiment":"neutral","sentiment_score":-0.0010494440793991089},{"text":"Definitely bridge that gap.","start":699.02,"end":700.665,"sentiment":"neutral","sentiment_score":-0.055982524529099464},{"text":"Do you know how much is due to e like, what it's going to be?","start":700.82495,"end":705.565,"sentiment":"neutral","sentiment_score":-0.04314908658464749},{"text":"No?","start":705.945,"end":706.445,"sentiment":"neutral","sentiment_score":-0.10828876495361328}],"sentiment":"neutral","sentiment_score":-0.05255614644424482,"num_words":22,"start":695.26,"end":706.445},{"sentences":[{"text":"Yeah.","start":710.26495,"end":710.76495,"sentiment":"neutral","sentiment_score":-0.002197134541347623},{"text":"Yeah.","start":714.52,"end":715.02,"sentiment":"neutral","sentiment_score":0.0026658568531274796},{"text":"Yeah.","start":717.16,"end":717.66,"sentiment":"neutral","sentiment_score":0.008335210382938385},{"text":"Yep.","start":728.225,"end":728.725,"sentiment":"neutral","sentiment_score":0.05193766579031944},{"text":"Okay.","start":731.26495,"end":731.76495,"sentiment":"neutral","sentiment_score":0.05067269131541252}],"sentiment":"neutral","sentiment_score":0.022282857960090042,"num_words":5,"start":710.26495,"end":731.76495},{"sentences":[{"text":"It adds up.","start":735.82495,"end":736.88495,"sentiment":"neutral","sentiment_score":-0.12234424302975337},{"text":"Yeah.","start":737.02496,"end":737.52496,"sentiment":"neutral","sentiment_score":-0.1521451324224472},{"text":"Yeah.","start":739.6,"end":740.08,"sentiment":"neutral","sentiment_score":-0.033474139869213104},{"text":"Okay.","start":740.08,"end":740.58,"sentiment":"neutral","sentiment_score":-0.03208185359835625},{"text":"Just yeah.","start":741.12,"end":742.26,"sentiment":"neutral","sentiment_score":-0.04420532286167145}],"sentiment":"neutral","sentiment_score":-0.08414306258782744,"num_words":8,"start":735.82495,"end":742.26},{"sentences":[{"text":"It's waiting.","start":742.48,"end":743.86,"sentiment":"neutral","sentiment_score":-0.15563051402568817},{"text":"Yeah.","start":745.04,"end":745.54,"sentiment":"neutral","sentiment_score":-0.040082380175590515},{"text":"Yeah.","start":749.52,"end":750.02,"sentiment":"neutral","sentiment_score":-0.03300543874502182},{"text":"Okay.","start":750.24,"end":750.74,"sentiment":"neutral","sentiment_score":-0.033987466245889664},{"text":"Yeah.","start":753.535,"end":754.035,"sentiment":"neutral","sentiment_score":0.02792246639728546}],"sentiment":"neutral","sentiment_score":-0.06506897447009881,"num_words":6,"start":742.48,"end":754.035},{"sentences":[{"text":"Okay.","start":754.255,"end":754.755,"sentiment":"neutral","sentiment_score":0.03713734820485115},{"text":"So there are two ways based on what you want.","start":755.21497,"end":758.495,"sentiment":"neutral","sentiment_score":0.04946223981678486},{"text":"If your income is due to go up quite a bit, typically, I would say we might be better off to hold off until you know your income.","start":758.495,"end":767.86,"sentiment":"neutral","sentiment_score":-0.23566955354596889},{"text":"Because if we look at if we look at income protection today, and we go, and find a policy, they would only cover you sometimes they offer payslip, and they'd only cover you for what you are currently on.","start":768.0,"end":781.46497,"sentiment":"neutral","sentiment_score":-0.05954193292060294},{"text":"So let's say we do 70% of 02/28, and then let's say in two months' time, your income is 300,000.","start":781.46497,"end":789.245,"sentiment":"neutral","sentiment_score":0.04064098233357072}],"sentiment":"neutral","sentiment_score":-0.07730921928720948,"num_words":98,"start":754.255,"end":789.245},{"sentences":[{"text":"Obviously, you're not gonna be covered for as much as you might want to.","start":790.02496,"end":793.86,"sentiment":"negative","sentiment_score":-0.43844245161329},{"text":"So if we go and then increase it, you'd have to go through the whole process again because the insurers are like, we are taking on more risk, so they want to reassess everything.","start":794.1,"end":803.88,"sentiment":"negative","sentiment_score":-0.3456856950240977},{"text":"So if it's so close, like, if it's at the end of, like, the March 31, the cutoff, and then if it's going to be shortly after that, even you still have a pretty decent policy, if something were to happen, we might be better off to wait until you have your new income because then we can get you a lot more income protection.","start":804.66,"end":829.47,"sentiment":"neutral","sentiment_score":0.051216359293231595},{"text":"But it is up to you.","start":831.69,"end":832.65,"sentiment":"positive","sentiment_score":0.4812746395667394},{"text":"If you would like me to get quotes on what it is right now and do the 801,000,000, I'm happy to do it as well.","start":832.65,"end":839.32495,"sentiment":"positive","sentiment_score":0.5820955657958984}],"sentiment":"neutral","sentiment_score":0.019983280437170632,"num_words":144,"start":790.02496,"end":839.32495},{"sentences":[{"text":"Yeah.","start":839.32495,"end":839.82495,"sentiment":"neutral","sentiment_score":0.2459407299757004},{"text":"Yeah.","start":848.445,"end":848.685,"sentiment":"neutral","sentiment_score":0.18719445168972015},{"text":"I think that's better.","start":848.685,"end":849.95996,"sentiment":"neutral","sentiment_score":0.2575099244713783},{"text":"And I what I can even do is, just because, obviously, I know life gets in the way sometime, that I can even get, when do you think roughly, if you okay?","start":849.95996,"end":867.035,"sentiment":"neutral","sentiment_score":0.036665011080913246},{"text":"Okay.","start":869.255,"end":869.755,"sentiment":"neutral","sentiment_score":-0.04165607690811157}],"sentiment":"neutral","sentiment_score":0.06653331172389862,"num_words":39,"start":839.32495,"end":869.755},{"sentences":[{"text":"That's yeah.","start":874.71,"end":878.73,"sentiment":"neutral","sentiment_score":-0.25134965032339096},{"text":"Yeah.","start":879.59,"end":880.07,"sentiment":"neutral","sentiment_score":-0.28033095598220825},{"text":"That's not fair.","start":880.07,"end":881.11,"sentiment":"negative","sentiment_score":-0.5431042710940043},{"text":"Alright.","start":881.11,"end":881.43,"sentiment":"neutral","sentiment_score":-0.08117474615573883},{"text":"Well, what I might do then is I will put a little reminder to reach out about mid April just to see if you have an update, so just really in about a month, to see if you have an update on time frame.","start":881.43,"end":894.885,"sentiment":"neutral","sentiment_score":-0.01924121104688807}],"sentiment":"neutral","sentiment_score":-0.06549276670842778,"num_words":51,"start":874.71,"end":894.885},{"sentences":[{"text":"And and then we can kind of see what you would like to do if you know how far away.","start":896.385,"end":900.78503,"sentiment":"neutral","sentiment_score":-0.12191332001239061},{"text":"If it's still going to be month and month, we can always look at the cover for you.","start":900.78503,"end":905.24,"sentiment":"neutral","sentiment_score":-0.07013294638858901},{"text":"Or if you we can at least kind of then assess when we have a bit more understanding of where the income is due to change and what the situation is for you.","start":905.62,"end":914.44,"sentiment":"neutral","sentiment_score":-0.03803784388935927},{"text":"And I'll make the appointment a bit longer too then because we can do your annual review at the same time because your annual review is due in about May.","start":914.82,"end":921.94495,"sentiment":"neutral","sentiment_score":0.10544755049049855},{"text":"So we can kind of combine it if you are happy with that because then we can kind of do the insurance and do everything.","start":923.685,"end":929.625,"sentiment":"positive","sentiment_score":0.35576712429523466}],"sentiment":"neutral","sentiment_score":0.056362669353210736,"num_words":126,"start":896.385,"end":929.625},{"sentences":[{"text":"But if you do find out before, like, mid April what it's going to be, you can always just send me an email or give me a call, and we could always push it forward, like, if you find out the information earlier.","start":930.14996,"end":942.88995,"sentiment":"neutral","sentiment_score":0.19805457356364228},{"text":"Yeah.","start":944.39496,"end":944.795,"sentiment":"positive","sentiment_score":0.33790701627731323},{"text":"Are you happy with that?","start":944.795,"end":946.095,"sentiment":"positive","sentiment_score":0.41512463688850404},{"text":"Yes.","start":947.115,"end":947.595,"sentiment":"positive","sentiment_score":0.3885446786880493},{"text":"Yes.","start":947.595,"end":948.07495,"sentiment":"positive","sentiment_score":0.4527779221534729}],"sentiment":"neutral","sentiment_score":0.2308078326430975,"num_words":51,"start":930.14996,"end":948.07495},{"sentences":[{"text":"Perfect.","start":948.07495,"end":948.315,"sentiment":"positive","sentiment_score":0.7480502128601074},{"text":"Just to make it a bit easier and save you having to go through this twice, which which is just yeah.","start":948.315,"end":954.555,"sentiment":"positive","sentiment_score":0.4647317926088969},{"text":"Sorry.","start":954.555,"end":954.795,"sentiment":"neutral","sentiment_score":0.028196191415190697},{"text":"I'll put a reminder about mid April.","start":954.795,"end":956.65497,"sentiment":"neutral","sentiment_score":0.023947177987013544},{"text":"Do you know your roster and stuff?","start":957.52997,"end":958.97,"sentiment":"neutral","sentiment_score":0.031884125034723966}],"sentiment":"neutral","sentiment_score":0.29530900460038634,"num_words":37,"start":948.07495,"end":958.97},{"sentences":[{"text":"Yeah?","start":958.97,"end":959.29,"sentiment":"neutral","sentiment_score":0.027517125010490417},{"text":"Like, do you know when in mid April or you yeah?","start":959.29,"end":961.87,"sentiment":"neutral","sentiment_score":0.025973063978281887},{"text":"Yeah.","start":964.97,"end":965.47,"sentiment":"neutral","sentiment_score":0.12128795683383942},{"text":"Because if so yeah.","start":966.00995,"end":968.41,"sentiment":"neutral","sentiment_score":0.16938729584217072},{"text":"Because if so, I can even just book it in now.","start":968.41,"end":971.23,"sentiment":"neutral","sentiment_score":0.24111416258595206}],"sentiment":"neutral","sentiment_score":0.1344397770506995,"num_words":28,"start":958.97,"end":971.23},{"sentences":[{"text":"And then, obviously, if anything changes, let me know.","start":971.75494,"end":974.495,"sentiment":"neutral","sentiment_score":0.08343457099464205},{"text":"Yep.","start":981.355,"end":981.855,"sentiment":"neutral","sentiment_score":0.09761814773082732},{"text":"Yep.","start":993.05,"end":993.55,"sentiment":"neutral","sentiment_score":0.03508927300572395},{"text":"We can how about we do Wednesday, the fifteenth of April?","start":998.185,"end":1002.525,"sentiment":"neutral","sentiment_score":0.02199067302386869},{"text":"Mhmm.","start":1003.625,"end":1004.125,"sentiment":"neutral","sentiment_score":0.011472856625914574}],"sentiment":"neutral","sentiment_score":0.04943429650333912,"num_words":23,"start":971.75494,"end":1004.125},{"sentences":[{"text":"Yep.","start":1005.225,"end":1005.625,"sentiment":"neutral","sentiment_score":0.023622382432222366},{"text":"And do you prefer morning or afternoon?","start":1005.625,"end":1007.725,"sentiment":"neutral","sentiment_score":0.008492161386779376},{"text":"Morning school?","start":1011.01996,"end":1011.82,"sentiment":"neutral","sentiment_score":-0.007296508410945535},{"text":"Okay.","start":1011.82,"end":1012.14,"sentiment":"neutral","sentiment_score":0.003855878254398704},{"text":"So if I do if I do 11:00 my time, which then be 09:00 your time.","start":1012.14,"end":1024.635,"sentiment":"neutral","sentiment_score":0.015192386461421847}],"sentiment":"neutral","sentiment_score":0.01168179840573834,"num_words":27,"start":1005.225,"end":1024.635},{"sentences":[{"text":"Is that too early?","start":1024.635,"end":1025.615,"sentiment":"neutral","sentiment_score":-0.010561836417764425},{"text":"Okay.","start":1029.755,"end":1030.255,"sentiment":"neutral","sentiment_score":0.052091218531131744},{"text":"K.","start":1035.21,"end":1035.71,"sentiment":"neutral","sentiment_score":0.02420500665903091},{"text":"Let me have a little look.","start":1036.89,"end":1038.51,"sentiment":"neutral","sentiment_score":0.04392500687390566},{"text":"So about 12:00.","start":1040.57,"end":1042.6699,"sentiment":"neutral","sentiment_score":0.027292022481560707}],"sentiment":"neutral","sentiment_score":0.02529833254714807,"num_words":15,"start":1024.635,"end":1042.6699},{"sentences":[{"text":"Yep.","start":1043.5299,"end":1043.77,"sentiment":"neutral","sentiment_score":0.01349266991019249},{"text":"We can do 12:00 your time on Wednesday, the fifteenth.","start":1043.77,"end":1047.07,"sentiment":"neutral","sentiment_score":0.09432324096560478},{"text":"Yeah?","start":1049.225,"end":1049.465,"sentiment":"positive","sentiment_score":0.38241007924079895},{"text":"Alright.","start":1049.465,"end":1049.945,"sentiment":"neutral","sentiment_score":0.22196148335933685},{"text":"Would you like me to send a reminder text, like, two hours before in case something comes up and you can't make it?","start":1049.945,"end":1055.645,"sentiment":"neutral","sentiment_score":0.08776947321451228}],"sentiment":"neutral","sentiment_score":0.09943873683611552,"num_words":36,"start":1043.5299,"end":1055.645},{"sentences":[{"text":"Nah.","start":1057.225,"end":1057.725,"sentiment":"neutral","sentiment_score":-0.043209925293922424},{"text":"Yeah.","start":1058.4249,"end":1058.9249,"sentiment":"neutral","sentiment_score":-0.08227990567684174},{"text":"No.","start":1060.28,"end":1060.52,"sentiment":"neutral","sentiment_score":-0.03760537505149841},{"text":"You're you're pretty good.","start":1060.52,"end":1061.5599,"sentiment":"neutral","sentiment_score":0.2690773792564869},{"text":"You always answer, which I appreciate very much.","start":1061.5599,"end":1064.38,"sentiment":"positive","sentiment_score":0.38218085654079914}],"sentiment":"neutral","sentiment_score":0.2647107442220052,"num_words":15,"start":1057.225,"end":1064.38},{"sentences":[{"text":"Alright.","start":1066.28,"end":1066.6,"sentiment":"neutral","sentiment_score":0.1921318471431732},{"text":"So that is Wednesday, April 15 at 12PM your time.","start":1066.6,"end":1071.42,"sentiment":"neutral","sentiment_score":0.101808113604784},{"text":"I'll have the stuff for the annual review at the same time so we can do it.","start":1072.28,"end":1076.355,"sentiment":"neutral","sentiment_score":0.13693912108154857},{"text":"Hopefully, you have a bit more information on your income protection as well, and we can kind of combine and look at everything together.","start":1076.355,"end":1082.375,"sentiment":"neutral","sentiment_score":0.181160814439257},{"text":"Yep.","start":1083.955,"end":1084.455,"sentiment":"neutral","sentiment_score":0.31353867053985596}],"sentiment":"neutral","sentiment_score":0.15470898601244082,"num_words":53,"start":1066.28,"end":1084.455},{"sentences":[{"text":"Perfect.","start":1084.755,"end":1085.255,"sentiment":"positive","sentiment_score":0.5434533953666687},{"text":"Now no.","start":1086.275,"end":1087.51,"sentiment":"neutral","sentiment_score":0.2086175326257944},{"text":"That's okay.","start":1087.51,"end":1088.33,"sentiment":"neutral","sentiment_score":-0.020978190936148167},{"text":"Now there is just one thing I have noticed as well is that the ID we have on file has expired.","start":1088.63,"end":1095.53,"sentiment":"neutral","sentiment_score":-0.1450809318394888},{"text":"I think it expired your driver's license or ID.","start":1096.39,"end":1099.9299,"sentiment":"neutral","sentiment_score":-0.06763579158319367}],"sentiment":"neutral","sentiment_score":-0.07819113183234419,"num_words":35,"start":1084.755,"end":1099.9299},{"sentences":[{"text":"Did you get a new one a few months ago?","start":1100.665,"end":1103.405,"sentiment":"neutral","sentiment_score":-0.013244557846337556},{"text":"Yeah.","start":1104.825,"end":1105.325,"sentiment":"neutral","sentiment_score":0.003943748772144318},{"text":"Yeah.","start":1105.385,"end":1105.785,"sentiment":"neutral","sentiment_score":0.008768966421484947},{"text":"Okay.","start":1105.785,"end":1106.285,"sentiment":"neutral","sentiment_score":0.021809732541441917},{"text":"Perfect.","start":1106.825,"end":1107.325,"sentiment":"neutral","sentiment_score":0.183511346578598}],"sentiment":"neutral","sentiment_score":0.006113443989306687,"num_words":14,"start":1100.665,"end":1107.325},{"sentences":[{"text":"Would you be able to, when you have a moment, send me a photo of the front and the back of your license?","start":1107.385,"end":1112.425,"sentiment":"neutral","sentiment_score":0.058182342220907624},{"text":"You can just send it directly to my email.","start":1112.425,"end":1114.605,"sentiment":"neutral","sentiment_score":0.04047849401831627},{"text":"And you have my email?","start":1117.11,"end":1118.3301,"sentiment":"neutral","sentiment_score":0.022497806698083878},{"text":"Yes.","start":1128.165,"end":1128.665,"sentiment":"neutral","sentiment_score":0.026773009449243546},{"text":"Yep.","start":1128.9651,"end":1129.285,"sentiment":"neutral","sentiment_score":0.06297328323125839}],"sentiment":"neutral","sentiment_score":0.04883937547222162,"num_words":39,"start":1107.385,"end":1129.285},{"sentences":[{"text":"That's the one.","start":1129.285,"end":1130.0851,"sentiment":"neutral","sentiment_score":0.14307325581709543},{"text":"So if you could just when you have a moment, just send a photo of the front and the back, that would be great.","start":1130.0851,"end":1135.2051,"sentiment":"neutral","sentiment_score":0.19674224189172188},{"text":"I'll get that saved.","start":1135.2051,"end":1136.425,"sentiment":"neutral","sentiment_score":0.16557642072439194},{"text":"Otherwise, I will give you a call on the April 15.","start":1137.045,"end":1140.2451,"sentiment":"neutral","sentiment_score":0.061223074455152855},{"text":"But like I said, if you find out earlier or anything changes, just let me know because we can always just bring that forward.","start":1140.245,"end":1146.84,"sentiment":"neutral","sentiment_score":0.0998973495637377}],"sentiment":"neutral","sentiment_score":0.1346110524891904,"num_words":66,"start":1129.285,"end":1146.84},{"sentences":[{"text":"Yep.","start":1148.58,"end":1149.08,"sentiment":"neutral","sentiment_score":0.2363547682762146},{"text":"No problem at all.","start":1150.0199,"end":1150.98,"sentiment":"neutral","sentiment_score":0.1799321398139},{"text":"Do you have any other questions for me otherwise today before I let you go and enjoy your afternoon?","start":1150.98,"end":1156.2799,"sentiment":"neutral","sentiment_score":0.13923009739894615},{"text":"No?","start":1157.9249,"end":1158.4249,"sentiment":"neutral","sentiment_score":-0.0072164833545684814},{"text":"Okay.","start":1158.725,"end":1159.225,"sentiment":"neutral","sentiment_score":0.2915675640106201}],"sentiment":"neutral","sentiment_score":0.1494540868756863,"num_words":26,"start":1148.58,"end":1159.225},{"sentences":[{"text":"If you think of anything, Zoe, you know, you have my email or just give me a call, and I'm happy to talk more.","start":1159.365,"end":1165.3049,"sentiment":"neutral","sentiment_score":0.2845598633090655},{"text":"No problem at all.","start":1168.345,"end":1169.1449,"sentiment":"positive","sentiment_score":0.5115328282117844},{"text":"We'll speak soon.","start":1169.1449,"end":1169.965,"sentiment":"positive","sentiment_score":0.415807048479716},{"text":"Thanks.","start":1171.065,"end":1171.565,"sentiment":"positive","sentiment_score":0.4833675026893616},{"text":"Bye.","start":1172.1849,"end":1172.6849,"sentiment":"neutral","sentiment_score":0.13395701348781586}],"sentiment":"neutral","sentiment_score":0.32546405132972833,"num_words":33,"start":1159.365,"end":1172.6849}]}}]},{"alternatives":[{"transcript":"Hello? It is. Yep. I'm good. Thanks, Franca. How yourself? That's good. Yes. Yep. Sweetheart. Yep. No. Good. No. No. Good. Sorry. No worries at all. Davidson. '81. 426 Henderson Road, High Plan, Western Australia. 6 215. 6 1 2 5, I think. I I can't remember. Six one two 5. Sorry. Really good. I just got back from I've been away six days just with a boat, water skiing, and camping, and just having the best time ever. And I think I got back about fifteen, twenty minutes ago. So yeah. No. It's been good. Oh, it it was like, it wasn't cold ringing, but for for about three days, it was overcast. And, like, you just want the sun out, you know, the way water skiing and things like that. So but the last couple of days were absolutely perfect and, yeah, like, 30 or 30 degrees maybe. So yeah. That was amazing. Thursday. Yeah. Yeah. I gotta unpack and hose off the boat, flush the engine, and I gotta, yeah, the rest of my hour Avo will be sent, yeah, unpacking, cleaning, and yeah. So that's alright. It's all fine as well. Yeah. Yeah. Yeah. I think it was at Macquarie or or not Macquarie. Not Macquarie. It was Was it started with m, wasn't it? I thought it was through my work. Don't know what they're called. Yeah. Zurich. Zurich. That's Yeah. Sorry. Zurich. Not m and Zed. Oh, is that actually so I so my super is through Plum, and then I have income protection with Zurich. Yep. Yep. Yep. Does that go down every year, does it? Yeah. Okay. Yeah. Yeah. Right. So, I mean, it was, like, up around 750. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. I might, yeah, look into that if that's cool. I mean, it seems to go down a lot, but because I'm hoping to be able to get enough money from the bank this year to start building, but it's yeah. Everything's costing a lot more than than first budgeted and thought, and then interest rates went up again and blah blah blah. Yeah. Yep. So yeah. Because I will be over $1,000,000 in debt to mortgage well over. And yeah. Yep. Yep. Yeah. Yeah. Cool. Yeah. Oh, it's gonna be more like one point three one point three five. I I don't no. I hadn't really thought about it, to be honest. Could I could I get, like, different amount ideas? Like, what would eight 100,000 cover cost, and what would 1,000,000, what would 1.3? Just just so I'm covered. Yeah. Yeah. Yeah. That's cool. You can't you can't draw on your super to buy a hat to help build a house, can you? No. No. That's alright. I didn't really like the idea of touching my super anyway. Yeah. Yeah. Or 1 2 even. Yeah. Thanks. Yeah, please. Yep. Yeah. Yep. No. So I might as well just leave it for another year until that expires. Oh, yeah. Oh, gotcha. Okay. Yeah. I gotcha. Yep. Yeah. Yeah. I'll just leave that for my link. And also that would be 14,000 is probably about 70%, 80%, I guess. So it's about the same anyway, isn't it? Might as well just leave it. Oh, yeah. Yep. Yes. Sure. Are they all 70 or 75%, are they? Yep. It's what? Sorry? Yeah. Like, base. Yeah. $2.28. Yep. Yep. I'm hoping that changes real soon. Yeah. We're supposed to be getting quite significant pay rises apparently because I was just doing my role. It's a statutory position, and and there's a new legislation that came out couple of years ago, and everyone had to reset their law exams. And a lot of the guys are just not gonna do it because it's pretty hard. And I didn't mind a couple of years ago when it first came out, but the March 31 is when the new legislation comes into play. And if you don't have that ticket, then you then your mind cannot run without someone that holds that ticket. So so the our value has is about to go up, which is good. So it should. The amount of responsibility we've got and the work the work that you do and yeah. Like, one of my one of my work is is is on a $150,000 more than me. And, you know, and I'm his boss. And it's kinda like, look. It's yeah. There's a big, big gap there, and it needs to be not filled, but it needs to come a lot closer to that. So No. I've got no idea, but I'm actually gonna ask my boss when I go back to work, like, what's with because it all ties in with this my home loan, like, trying to borrow money off the bank to start building, and the bill's about $70,000 over budget, and then, you know, I was hoping to have paid off a lot by then. You know? But, anyway, I was hoping for a 1.2, but now it's up around the 1.3 4 or something. So I'm like, oh, that's a lot of money extra. But and the banks just won't lend it unless my wage goes up. So so there's a lot sort of teetering on the next month or two and see what happens in payrolls. But I have no idea how much they'll go up, but it'd wanna be more than $20.30 grand. Yeah. Okay. Yep. Yeah. Yep. Yep. Yeah. Yep. Yeah. I got you. Yeah. I got you. Just waiting. Yeah. Cool. I'll just wait like you said, and then yeah. I'll give you a I'll send it, like, an email and just let you know if things change or when they change. Yeah. I don't I don't know if they're planning on making this happen sort of, like, April, May, or if it's gonna be after the financial year and and pays increase. I don't know. I don't know. So I've talked to him because it you know, I feel like, oh, we'll wait to end the financial year. That puts my entire house bill back. So no. Yeah. Sweet. Cool. Yep. Sounds good. Yep. It's way too easy. Yeah. Sounds good. Sounds real good. Yeah. Yes. Yep. Set forever because it's even time, so it's easy. Yep. Yeah. Sweet. April. So I have got my work roster up. Now I'm in my diary as well. Eleventh and twelfth from horses. Either the around the fourteenth on April 15 or later, twenty eighth, twenty ninth. I think I have. Wednesday, fifteenth? I don't my morning's school. Yeah. I'd like I normally do play golf Wednesday mornings, but I do tee off early. So more like this morning's time or midday. Cool. Awesome. I'll check-in my diary. I don't I don't have a book. Mhmm. Yeah. Sweet. Sounds good. Awesome. Thank you. The what? Sorry. Oh, yep. Yep. Yeah. That is fine. Yeah. November. We've got one. Yep. Okay. No worries. I should I'll just do a quick check. Veronica@opfinancial.com.a u? Yep. Yes. Wait. Awesome. Thank you. No. It should be all sweet. Thank you. Awesome too. Easy. Thanks, Erica. Thank you. I'll talk to you soon. Bye. Bye. 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It is. Yep. I'm good. Thanks, Franca.\n\nHow yourself? That's good. Yes. Yep. Sweetheart.\n\nYep. No. Good. No. No.\n\nGood. Sorry. No worries at all. Davidson. '81.\n\n426 Henderson Road, High Plan, Western Australia. 6 215. 6 1 2 5, I think. I I can't remember. Six one two 5.\n\nSorry. Really good. I just got back from I've been away six days just with a boat, water skiing, and camping, and just having the best time ever. And I think I got back about fifteen, twenty minutes ago. So yeah.\n\nNo. It's been good. Oh, it it was like, it wasn't cold ringing, but for for about three days, it was overcast. And, like, you just want the sun out, you know, the way water skiing and things like that. So but the last couple of days were absolutely perfect and, yeah, like, 30 or 30 degrees maybe.\n\nSo yeah. That was amazing. Thursday. Yeah. Yeah.\n\nI gotta unpack and hose off the boat, flush the engine, and I gotta, yeah, the rest of my hour Avo will be sent, yeah, unpacking, cleaning, and yeah. So that's alright. It's all fine as well. Yeah. Yeah.\n\nYeah. I think it was at Macquarie or or not Macquarie. Not Macquarie. It was Was it started with m, wasn't it? I thought it was through my work.\n\nDon't know what they're called. Yeah. Zurich. Zurich. That's Yeah.\n\nSorry. Zurich. Not m and Zed. Oh, is that actually so I so my super is through Plum, and then I have income protection with Zurich. Yep.\n\nYep. Yep. Does that go down every year, does it? Yeah. Okay.\n\nYeah. Yeah. Right. So, I mean, it was, like, up around 750. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nYeah. I might, yeah, look into that if that's cool. I mean, it seems to go down a lot, but because I'm hoping to be able to get enough money from the bank this year to start building, but it's yeah. Everything's costing a lot more than than first budgeted and thought, and then interest rates went up again and blah blah blah. Yeah.\n\nYep. So yeah. Because I will be over $1,000,000 in debt to mortgage well over. And yeah. Yep.\n\nYep. Yeah. Yeah. Cool. Yeah.\n\nOh, it's gonna be more like one point three one point three five. I I don't no. I hadn't really thought about it, to be honest. Could I could I get, like, different amount ideas? Like, what would eight 100,000 cover cost, and what would 1,000,000, what would 1.3?\n\nJust just so I'm covered. Yeah. Yeah. Yeah. That's cool.\n\nYou can't you can't draw on your super to buy a hat to help build a house, can you? No. No. That's alright. I didn't really like the idea of touching my super anyway.\n\nYeah. Yeah. Or 1 2 even. Yeah. Thanks.\n\nYeah, please. Yep. Yeah. Yep. No.\n\nSo I might as well just leave it for another year until that expires. Oh, yeah. Oh, gotcha. Okay. Yeah.\n\nI gotcha. Yep. Yeah. Yeah. I'll just leave that for my link.\n\nAnd also that would be 14,000 is probably about 70%, 80%, I guess. So it's about the same anyway, isn't it? Might as well just leave it. Oh, yeah. Yep.\n\nYes. Sure. Are they all 70 or 75%, are they? Yep. It's what?\n\nSorry? Yeah. Like, base. Yeah. $2.28.\n\nYep. Yep. I'm hoping that changes real soon. Yeah. We're supposed to be getting quite significant pay rises apparently because I was just doing my role.\n\nIt's a statutory position, and and there's a new legislation that came out couple of years ago, and everyone had to reset their law exams. And a lot of the guys are just not gonna do it because it's pretty hard. And I didn't mind a couple of years ago when it first came out, but the March 31 is when the new legislation comes into play. And if you don't have that ticket, then you then your mind cannot run without someone that holds that ticket. So so the our value has is about to go up, which is good.\n\nSo it should. The amount of responsibility we've got and the work the work that you do and yeah. Like, one of my one of my work is is is on a $150,000 more than me. And, you know, and I'm his boss. And it's kinda like, look.\n\nIt's yeah. There's a big, big gap there, and it needs to be not filled, but it needs to come a lot closer to that. So No. I've got no idea, but I'm actually gonna ask my boss when I go back to work, like, what's with because it all ties in with this my home loan, like, trying to borrow money off the bank to start building, and the bill's about $70,000 over budget, and then, you know, I was hoping to have paid off a lot by then. You know?\n\nBut, anyway, I was hoping for a 1.2, but now it's up around the 1.3 4 or something. So I'm like, oh, that's a lot of money extra. But and the banks just won't lend it unless my wage goes up. So so there's a lot sort of teetering on the next month or two and see what happens in payrolls. But I have no idea how much they'll go up, but it'd wanna be more than $20.30 grand.\n\nYeah. Okay. Yep. Yeah. Yep.\n\nYep. Yeah. Yep. Yeah. I got you.\n\nYeah. I got you. Just waiting. Yeah. Cool.\n\nI'll just wait like you said, and then yeah. I'll give you a I'll send it, like, an email and just let you know if things change or when they change. Yeah. I don't I don't know if they're planning on making this happen sort of, like, April, May, or if it's gonna be after the financial year and and pays increase. I don't know.\n\nI don't know. So I've talked to him because it you know, I feel like, oh, we'll wait to end the financial year. That puts my entire house bill back. So no. Yeah.\n\nSweet. Cool. Yep. Sounds good. Yep.\n\nIt's way too easy. Yeah. Sounds good. Sounds real good. Yeah.\n\nYes. Yep. Set forever because it's even time, so it's easy. Yep. Yeah.\n\nSweet. April. So I have got my work roster up. Now I'm in my diary as well. Eleventh and twelfth from horses.\n\nEither the around the fourteenth on April 15 or later, twenty eighth, twenty ninth. I think I have. Wednesday, fifteenth? I don't my morning's school. Yeah.\n\nI'd like I normally do play golf Wednesday mornings, but I do tee off early. So more like this morning's time or midday. Cool. Awesome. I'll check-in my diary.\n\nI don't I don't have a book. Mhmm. Yeah. Sweet. Sounds good.\n\nAwesome. Thank you. The what? Sorry. Oh, yep.\n\nYep. Yeah. That is fine. Yeah. November.\n\nWe've got one. Yep. Okay. No worries. I should I'll just do a quick check.\n\nVeronica@opfinancial.com.a u? Yep. Yes. Wait. Awesome.\n\nThank you. No. It should be all sweet. Thank you. Awesome too.\n\nEasy. Thanks, Erica. Thank you. I'll talk to you soon. Bye.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.025808434933423996},{"text":"It is.","start":4.72,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.07212981209158897},{"text":"Yep.","start":5.3599997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.1102549284696579},{"text":"I'm good.","start":8.8,"end":9.2,"sentiment":"positive","sentiment_score":0.476411372423172},{"text":"Thanks, Franca.","start":9.2,"end":9.76,"sentiment":"positive","sentiment_score":0.5010793805122375}],"sentiment":"neutral","sentiment_score":0.27941306168213487,"num_words":8,"start":1.4399999,"end":9.76},{"sentences":[{"text":"How yourself?","start":9.76,"end":10.42,"sentiment":"neutral","sentiment_score":0.26789144426584244},{"text":"That's 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be sent, yeah, unpacking, cleaning, and yeah.","start":105.005,"end":116.13,"sentiment":"neutral","sentiment_score":0.09927045740187168},{"text":"So that's alright.","start":116.13,"end":116.77,"sentiment":"neutral","sentiment_score":0.31974494953950244},{"text":"It's all fine as well.","start":116.77,"end":118.07,"sentiment":"positive","sentiment_score":0.560420835018158},{"text":"Yeah.","start":128.845,"end":129.005,"sentiment":"neutral","sentiment_score":0.04414549469947815},{"text":"Yeah.","start":129.005,"end":129.505,"sentiment":"neutral","sentiment_score":0.04300001263618469}],"sentiment":"neutral","sentiment_score":0.17249558450510868,"num_words":39,"start":105.005,"end":129.505},{"sentences":[{"text":"Yeah.","start":133.885,"end":134.205,"sentiment":"neutral","sentiment_score":-0.001220397651195526},{"text":"I think it was at Macquarie or or not Macquarie.","start":134.205,"end":137.345,"sentiment":"neutral","sentiment_score":-0.023012303933501243},{"text":"Not 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it's gonna be more like one point three one point three five.","start":361.08,"end":365.66,"sentiment":"neutral","sentiment_score":0.014942301867099909},{"text":"I I don't no.","start":372.64502,"end":373.685,"sentiment":"neutral","sentiment_score":-0.10755162499845028},{"text":"I hadn't really thought about it, to be honest.","start":373.685,"end":375.70502,"sentiment":"neutral","sentiment_score":-0.17238129013114506},{"text":"Could I could I get, like, different amount ideas?","start":376.325,"end":379.445,"sentiment":"neutral","sentiment_score":-0.009459745345844163},{"text":"Like, what would eight 100,000 cover cost, and what would 1,000,000, what would 1.3?","start":379.445,"end":384.43,"sentiment":"neutral","sentiment_score":0.004404928274673077}],"sentiment":"neutral","sentiment_score":-0.036956263248346576,"num_words":49,"start":361.08,"end":384.43},{"sentences":[{"text":"Just just so I'm 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please.","start":440.33,"end":444.35,"sentiment":"neutral","sentiment_score":0.13596467301249504},{"text":"Yep.","start":456.30502,"end":456.80502,"sentiment":"neutral","sentiment_score":0.09291990101337431},{"text":"Yeah.","start":497.36,"end":497.68,"sentiment":"neutral","sentiment_score":0.11636382341384888},{"text":"Yep.","start":497.68,"end":498.15997,"sentiment":"neutral","sentiment_score":0.14514762163162231},{"text":"No.","start":498.15997,"end":498.63998,"sentiment":"neutral","sentiment_score":-0.03594241291284561}],"sentiment":"neutral","sentiment_score":0.09840304652849834,"num_words":6,"start":440.33,"end":498.63998},{"sentences":[{"text":"So I might as well just leave it for another year until that expires.","start":498.63998,"end":501.62,"sentiment":"neutral","sentiment_score":0.005337979112352643},{"text":"Oh, yeah.","start":509.685,"end":515.285,"sentiment":"neutral","sentiment_score":-0.007865186780691147},{"text":"Oh, gotcha.","start":515.285,"end":516.105,"sentiment":"neutral","sentiment_score":-0.0080928816460073},{"text":"Okay.","start":519.35004,"end":519.85004,"sentiment":"neutral","sentiment_score":0.014549408107995989},{"text":"Yeah.","start":521.43,"end":521.75,"sentiment":"neutral","sentiment_score":0.06729704141616821}],"sentiment":"neutral","sentiment_score":0.006233101012185216,"num_words":20,"start":498.63998,"end":521.75},{"sentences":[{"text":"I gotcha.","start":521.75,"end":522.5,"sentiment":"neutral","sentiment_score":0.0791243202984333},{"text":"Yep.","start":533.555,"end":534.055,"sentiment":"neutral","sentiment_score":0.11600935459136964},{"text":"Yeah.","start":554.38995,"end":554.88995,"sentiment":"neutral","sentiment_score":0.006164427846670151},{"text":"Yeah.","start":573.85,"end":574.17,"sentiment":"neutral","sentiment_score":0.033498454838991165},{"text":"I'll just leave that for my 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yeah.","start":600.03,"end":600.67004,"sentiment":"neutral","sentiment_score":0.044063445180654526},{"text":"Yep.","start":600.67004,"end":601.17004,"sentiment":"neutral","sentiment_score":0.025725536048412323}],"sentiment":"neutral","sentiment_score":0.052731217816472054,"num_words":30,"start":576.41,"end":601.17004},{"sentences":[{"text":"Yes.","start":602.27,"end":602.67004,"sentiment":"neutral","sentiment_score":0.1063905656337738},{"text":"Sure.","start":602.67004,"end":603.17004,"sentiment":"neutral","sentiment_score":0.0736561268568039},{"text":"Are they all 70 or 75%, are they?","start":603.27,"end":606.61,"sentiment":"neutral","sentiment_score":0.026521056424826384},{"text":"Yep.","start":611.195,"end":611.695,"sentiment":"neutral","sentiment_score":0.08494766056537628},{"text":"It's what?","start":617.275,"end":617.755,"sentiment":"neutral","sentiment_score":0.0015292929019778967}],"sentiment":"neutral","sentiment_score":0.03694010694296314,"num_words":13,"start":602.27,"end":617.755},{"sentences":[{"text":"Sorry?","start":617.755,"end":618.255,"sentiment":"neutral","sentiment_score":-0.011191362515091896},{"text":"Yeah.","start":624.54,"end":624.77997,"sentiment":"neutral","sentiment_score":0.017866184934973717},{"text":"Like, base.","start":624.77997,"end":625.6,"sentiment":"neutral","sentiment_score":0.017956015653908253},{"text":"Yeah.","start":626.94,"end":627.25995,"sentiment":"neutral","sentiment_score":0.023543842136859897},{"text":"$2.28.","start":627.25995,"end":628.06,"sentiment":"neutral","sentiment_score":0.021824123337864876}],"sentiment":"neutral","sentiment_score":0.014659136533737183,"num_words":6,"start":617.755,"end":628.06},{"sentences":[{"text":"Yep.","start":628.06,"end":628.56,"sentiment":"neutral","sentiment_score":0.03161299601197243},{"text":"Yep.","start":630.3,"end":630.77997,"sentiment":"neutral","sentiment_score":0.04435114189982414},{"text":"I'm hoping that changes real soon.","start":630.77997,"end":632.72,"sentiment":"neutral","sentiment_score":0.06865719457467397},{"text":"Yeah.","start":636.695,"end":637.095,"sentiment":"neutral","sentiment_score":0.018327374011278152},{"text":"We're supposed to be getting quite significant pay rises apparently because I was just doing my role.","start":637.095,"end":642.45496,"sentiment":"neutral","sentiment_score":-0.036220726611859655}],"sentiment":"neutral","sentiment_score":-0.004212218193480602,"num_words":26,"start":628.06,"end":642.45496},{"sentences":[{"text":"It's a statutory position, and and there's a new legislation that came out couple of years ago, and everyone had to reset their law exams.","start":642.45496,"end":649.83496,"sentiment":"neutral","sentiment_score":-0.10191562261432409},{"text":"And a lot of the guys are just not gonna do it because it's pretty hard.","start":649.975,"end":653.97003,"sentiment":"negative","sentiment_score":-0.42101653292775154},{"text":"And I didn't mind a couple of years ago when it first came out, but the March 31 is when the new legislation comes into play.","start":653.97003,"end":661.67004,"sentiment":"neutral","sentiment_score":-0.0901068216906144},{"text":"And if you don't have that ticket, then you then your mind cannot run without someone that holds that ticket.","start":662.05005,"end":668.04504,"sentiment":"neutral","sentiment_score":-0.1518975391983986},{"text":"So so the our value has is about to go up, which is good.","start":668.04504,"end":673.34503,"sentiment":"neutral","sentiment_score":0.1868987666176898}],"sentiment":"neutral","sentiment_score":-0.11929010403443976,"num_words":101,"start":642.45496,"end":673.34503},{"sentences":[{"text":"So it should.","start":674.04504,"end":674.92505,"sentiment":"positive","sentiment_score":0.3543742001056671},{"text":"The amount of responsibility we've got and the work the work that you do and yeah.","start":674.92505,"end":679.69,"sentiment":"neutral","sentiment_score":0.11827724147588015},{"text":"Like, one of my one of my work is is is on a $150,000 more than me.","start":681.11,"end":686.49,"sentiment":"neutral","sentiment_score":0.002214331618126701},{"text":"And, you know, and I'm his boss.","start":687.11,"end":688.95,"sentiment":"neutral","sentiment_score":-0.04712722556931632},{"text":"And it's kinda like, look.","start":688.95,"end":690.49,"sentiment":"neutral","sentiment_score":-0.030681653693318368}],"sentiment":"neutral","sentiment_score":0.05228965112473816,"num_words":48,"start":674.04504,"end":690.49},{"sentences":[{"text":"It's yeah.","start":690.955,"end":693.515,"sentiment":"neutral","sentiment_score":-0.05275192546332619},{"text":"There's a big, big gap there, and it needs to be not filled, but it needs to come a lot closer to that.","start":693.515,"end":698.555,"sentiment":"neutral","sentiment_score":-0.2665402519962062},{"text":"So No.","start":698.555,"end":705.26,"sentiment":"neutral","sentiment_score":-0.050587549805641174},{"text":"I've got no idea, but I'm actually gonna ask my boss when I go back to work, like, what's with because it all ties in with this my home loan, like, trying to borrow money off the bank to start building, and the bill's about $70,000 over budget, and then, you know, I was hoping to have paid off a lot by then.","start":705.26,"end":724.55505,"sentiment":"neutral","sentiment_score":-0.05004997666747797},{"text":"You know?","start":724.775,"end":725.17505,"sentiment":"neutral","sentiment_score":-0.030133500695228577}],"sentiment":"neutral","sentiment_score":-0.10381000302056789,"num_words":92,"start":690.955,"end":725.17505},{"sentences":[{"text":"But, anyway, I was hoping for a 1.2, but now it's up around the 1.3 4 or something.","start":725.17505,"end":732.27997,"sentiment":"neutral","sentiment_score":0.04689089571022325},{"text":"So I'm like, oh, that's a lot of money extra.","start":732.27997,"end":734.86,"sentiment":"neutral","sentiment_score":-0.0752150384709239},{"text":"But and the banks just won't lend it unless my wage goes up.","start":735.8,"end":738.92,"sentiment":"neutral","sentiment_score":-0.20695121127825516},{"text":"So so there's a lot sort of teetering on the next month or two and see what happens in payrolls.","start":738.92,"end":746.685,"sentiment":"neutral","sentiment_score":-0.07471965700387954},{"text":"But I have no idea how much they'll go up, but it'd wanna be more than $20.30 grand.","start":746.685,"end":753.02496,"sentiment":"neutral","sentiment_score":-0.09768289542343053}],"sentiment":"neutral","sentiment_score":-0.0740653831169858,"num_words":79,"start":725.17505,"end":753.02496},{"sentences":[{"text":"Yeah.","start":768.39,"end":768.79004,"sentiment":"neutral","sentiment_score":-0.08613850921392441},{"text":"Okay.","start":768.79004,"end":769.29004,"sentiment":"neutral","sentiment_score":-0.05718107894062996},{"text":"Yep.","start":781.915,"end":781.995,"sentiment":"neutral","sentiment_score":0.0579763762652874},{"text":"Yeah.","start":781.995,"end":782.39496,"sentiment":"neutral","sentiment_score":0.09635825455188753},{"text":"Yep.","start":782.39496,"end":782.89496,"sentiment":"neutral","sentiment_score":0.07050040364265442}],"sentiment":"neutral","sentiment_score":0.016303089261054997,"num_words":5,"start":768.39,"end":782.89496},{"sentences":[{"text":"Yep.","start":790.01996,"end":790.51996,"sentiment":"neutral","sentiment_score":0.012980344705283642},{"text":"Yeah.","start":794.26,"end":794.66,"sentiment":"neutral","sentiment_score":-0.21027910709381104},{"text":"Yep.","start":794.66,"end":795.16,"sentiment":"neutral","sentiment_score":-0.20761458575725555},{"text":"Yeah.","start":799.3,"end":799.45996,"sentiment":"neutral","sentiment_score":-0.13720941543579102},{"text":"I got you.","start":799.45996,"end":800.205,"sentiment":"neutral","sentiment_score":-0.2666172832250595}],"sentiment":"neutral","sentiment_score":-0.19171065903667892,"num_words":7,"start":790.01996,"end":800.205},{"sentences":[{"text":"Yeah.","start":804.685,"end":804.84503,"sentiment":"neutral","sentiment_score":-0.04110877960920334},{"text":"I got you.","start":804.84503,"end":805.745,"sentiment":"neutral","sentiment_score":-0.04955451190471649},{"text":"Just waiting.","start":823.57996,"end":824.39996,"sentiment":"neutral","sentiment_score":0.020780932158231735},{"text":"Yeah.","start":830.345,"end":830.665,"sentiment":"positive","sentiment_score":0.37532472610473633},{"text":"Cool.","start":830.665,"end":831.165,"sentiment":"positive","sentiment_score":0.5306339859962463}],"sentiment":"neutral","sentiment_score":0.09471853263676167,"num_words":8,"start":804.685,"end":831.165},{"sentences":[{"text":"I'll just wait like you said, and then yeah.","start":840.23004,"end":843.29004,"sentiment":"neutral","sentiment_score":0.19779609226518208},{"text":"I'll give you a I'll send it, like, an email and just let you know if things change or when they change.","start":843.35004,"end":848.25,"sentiment":"neutral","sentiment_score":0.16130012036724525},{"text":"Yeah.","start":848.95,"end":849.45,"sentiment":"neutral","sentiment_score":0.2735249400138855},{"text":"I don't I don't know if they're planning on making this happen sort of, like, April, May, or if it's gonna be after the financial year and and pays increase.","start":862.005,"end":871.67,"sentiment":"neutral","sentiment_score":-0.03328553568571806},{"text":"I don't know.","start":871.81,"end":872.45,"sentiment":"neutral","sentiment_score":-0.1820356249809265}],"sentiment":"neutral","sentiment_score":0.062424914968701506,"num_words":65,"start":840.23004,"end":872.45},{"sentences":[{"text":"I don't know.","start":872.45,"end":872.93,"sentiment":"neutral","sentiment_score":-0.2106085071961085},{"text":"So I've talked to him because it you know, I feel like, oh, we'll wait to end the financial year.","start":872.93,"end":877.73,"sentiment":"neutral","sentiment_score":-0.2362699955701828},{"text":"That puts my entire house bill back.","start":877.73,"end":879.65,"sentiment":"negative","sentiment_score":-0.37328060609953745},{"text":"So no.","start":879.65,"end":882.15,"sentiment":"neutral","sentiment_score":-0.24974165856838226},{"text":"Yeah.","start":889.46497,"end":889.96497,"sentiment":"neutral","sentiment_score":-0.013006733730435371}],"sentiment":"neutral","sentiment_score":-0.25705090080472554,"num_words":33,"start":872.45,"end":889.96497},{"sentences":[{"text":"Sweet.","start":893.225,"end":893.725,"sentiment":"neutral","sentiment_score":0.022962164133787155},{"text":"Cool.","start":895.785,"end":896.285,"sentiment":"neutral","sentiment_score":0.09402814507484436},{"text":"Yep.","start":922.925,"end":923.425,"sentiment":"neutral","sentiment_score":0.26187950372695923},{"text":"Sounds good.","start":927.805,"end":928.62,"sentiment":"positive","sentiment_score":0.5584797859191895},{"text":"Yep.","start":939.98,"end":940.48,"sentiment":"neutral","sentiment_score":0.2255443334579468}],"sentiment":"neutral","sentiment_score":0.2868956197053194,"num_words":6,"start":893.225,"end":940.48},{"sentences":[{"text":"It's way too easy.","start":943.525,"end":944.66504,"sentiment":"positive","sentiment_score":0.46235813200473785},{"text":"Yeah.","start":946.245,"end":946.645,"sentiment":"positive","sentiment_score":0.4120716452598572},{"text":"Sounds good.","start":946.645,"end":947.465,"sentiment":"positive","sentiment_score":0.5960662662982941},{"text":"Sounds real good.","start":948.005,"end":949.145,"sentiment":"positive","sentiment_score":0.6557404001553854},{"text":"Yeah.","start":952.245,"end":952.745,"sentiment":"neutral","sentiment_score":0.17676639556884766}],"sentiment":"positive","sentiment_score":0.5088749365373091,"num_words":11,"start":943.525,"end":952.745},{"sentences":[{"text":"Yes.","start":960.49,"end":960.99,"sentiment":"neutral","sentiment_score":0.0333060622215271},{"text":"Yep.","start":961.05,"end":961.55,"sentiment":"neutral","sentiment_score":0.04916142672300339},{"text":"Set forever because it's even time, so it's easy.","start":963.61,"end":967.47,"sentiment":"neutral","sentiment_score":0.16409845443235505},{"text":"Yep.","start":972.105,"end":972.605,"sentiment":"neutral","sentiment_score":0.09709018468856812},{"text":"Yeah.","start":974.985,"end":975.385,"sentiment":"neutral","sentiment_score":0.16169360280036926}],"sentiment":"neutral","sentiment_score":0.13985672048651254,"num_words":13,"start":960.49,"end":975.385},{"sentences":[{"text":"Sweet.","start":975.385,"end":975.885,"sentiment":"neutral","sentiment_score":0.2299378663301468},{"text":"April.","start":977.545,"end":978.045,"sentiment":"neutral","sentiment_score":0.1366267055273056},{"text":"So I have got my work roster up.","start":978.665,"end":981.165,"sentiment":"neutral","sentiment_score":0.1403293814510107},{"text":"Now I'm in my diary as well.","start":981.625,"end":983.43,"sentiment":"neutral","sentiment_score":0.0769522073013442},{"text":"Eleventh and twelfth from horses.","start":984.79,"end":986.57,"sentiment":"neutral","sentiment_score":0.03615972213447094}],"sentiment":"neutral","sentiment_score":0.10039380387487737,"num_words":22,"start":975.385,"end":986.57},{"sentences":[{"text":"Either the around the fourteenth on April 15 or later, twenty eighth, twenty ninth.","start":987.51,"end":996.73,"sentiment":"neutral","sentiment_score":0.03325864632747003},{"text":"I think I have.","start":998.09503,"end":1002.03503,"sentiment":"neutral","sentiment_score":0.024634978733956814},{"text":"Wednesday, fifteenth?","start":1003.135,"end":1004.195,"sentiment":"neutral","sentiment_score":0.01116108288988471},{"text":"I don't my morning's school.","start":1008.97504,"end":1010.515,"sentiment":"neutral","sentiment_score":-0.048424656689167025},{"text":"Yeah.","start":1012.77,"end":1013.27,"sentiment":"neutral","sentiment_score":0.017018042504787445}],"sentiment":"neutral","sentiment_score":0.013899149552274209,"num_words":26,"start":987.51,"end":1013.27},{"sentences":[{"text":"I'd like I normally do play golf Wednesday mornings, but I do tee off early.","start":1017.17,"end":1031.395,"sentiment":"neutral","sentiment_score":0.02652298497656981},{"text":"So more like this morning's time or midday.","start":1031.775,"end":1035.715,"sentiment":"neutral","sentiment_score":0.037552762078121305},{"text":"Cool.","start":1047.89,"end":1048.29,"sentiment":"positive","sentiment_score":0.7161588072776794},{"text":"Awesome.","start":1048.29,"end":1048.79,"sentiment":"positive","sentiment_score":0.7332381010055542},{"text":"I'll check-in my diary.","start":1056.275,"end":1057.655,"sentiment":"neutral","sentiment_score":0.04163150675594807}],"sentiment":"neutral","sentiment_score":0.07979964850277736,"num_words":29,"start":1017.17,"end":1057.655},{"sentences":[{"text":"I don't I don't have a book.","start":1057.955,"end":1059.575,"sentiment":"neutral","sentiment_score":-0.08992964135749},{"text":"Mhmm.","start":1062.515,"end":1063.015,"sentiment":"neutral","sentiment_score":0.15402361750602722},{"text":"Yeah.","start":1072.4401,"end":1072.9401,"sentiment":"neutral","sentiment_score":0.09883201122283936},{"text":"Sweet.","start":1083.0149,"end":1083.495,"sentiment":"positive","sentiment_score":0.4768962860107422},{"text":"Sounds good.","start":1083.495,"end":1084.315,"sentiment":"positive","sentiment_score":0.5030799508094788}],"sentiment":"neutral","sentiment_score":0.09220036057134469,"num_words":12,"start":1057.955,"end":1084.315},{"sentences":[{"text":"Awesome.","start":1084.615,"end":1085.115,"sentiment":"positive","sentiment_score":0.5506694912910461},{"text":"Thank you.","start":1086.0549,"end":1086.875,"sentiment":"positive","sentiment_score":0.41537460684776306},{"text":"The what?","start":1096.5499,"end":1097.03,"sentiment":"neutral","sentiment_score":-0.0814126543700695},{"text":"Sorry.","start":1097.03,"end":1097.53,"sentiment":"neutral","sentiment_score":-0.08864490687847137},{"text":"Oh, yep.","start":1099.51,"end":1100.33,"sentiment":"neutral","sentiment_score":-0.01774693513289094}],"sentiment":"neutral","sentiment_score":0.1368068273877725,"num_words":8,"start":1084.615,"end":1100.33},{"sentences":[{"text":"Yep.","start":1100.71,"end":1101.11,"sentiment":"neutral","sentiment_score":0.000161937132361345},{"text":"Yeah.","start":1101.11,"end":1101.35,"sentiment":"neutral","sentiment_score":-0.011392610147595406},{"text":"That is fine.","start":1101.35,"end":1102.33,"sentiment":"neutral","sentiment_score":-0.007864549135168394},{"text":"Yeah.","start":1103.91,"end":1104.15,"sentiment":"neutral","sentiment_score":-0.007519916165620089},{"text":"November.","start":1104.15,"end":1104.65,"sentiment":"neutral","sentiment_score":-0.003959360532462597}],"sentiment":"neutral","sentiment_score":-0.006614799588403132,"num_words":7,"start":1100.71,"end":1104.65},{"sentences":[{"text":"We've got one.","start":1105.5651,"end":1106.545,"sentiment":"neutral","sentiment_score":0.01974482958515485},{"text":"Yep.","start":1112.925,"end":1113.425,"sentiment":"neutral","sentiment_score":0.039204567670822144},{"text":"Okay.","start":1113.645,"end":1114.145,"sentiment":"neutral","sentiment_score":0.04311329498887062},{"text":"No worries.","start":1116.925,"end":1117.745,"sentiment":"neutral","sentiment_score":0.04348877631127834},{"text":"I should I'll just do a quick check.","start":1120.04,"end":1123.1001,"sentiment":"neutral","sentiment_score":0.05361420661211014}],"sentiment":"neutral","sentiment_score":0.04382957046230634,"num_words":15,"start":1105.5651,"end":1123.1001},{"sentences":[{"text":"Veronica@opfinancial.com.a u?","start":1125.16,"end":1128.78,"sentiment":"neutral","sentiment_score":0.03231523744761944},{"text":"Yep.","start":1129.16,"end":1129.66,"sentiment":"neutral","sentiment_score":0.08561557531356812},{"text":"Yes.","start":1147.45,"end":1147.77,"sentiment":"neutral","sentiment_score":0.11147991567850112},{"text":"Wait.","start":1147.77,"end":1148.25,"sentiment":"neutral","sentiment_score":0.14780014753341675},{"text":"Awesome.","start":1148.25,"end":1148.75,"sentiment":"positive","sentiment_score":0.3738630414009094}],"sentiment":"neutral","sentiment_score":0.13056485913693905,"num_words":6,"start":1125.16,"end":1148.75},{"sentences":[{"text":"Thank you.","start":1148.89,"end":1149.71,"sentiment":"positive","sentiment_score":0.47206035256385803},{"text":"No.","start":1156.89,"end":1157.0499,"sentiment":"neutral","sentiment_score":-0.18975308537483215},{"text":"It should be all sweet.","start":1157.0499,"end":1158.27,"sentiment":"neutral","sentiment_score":0.13169798552989959},{"text":"Thank you.","start":1158.89,"end":1159.63,"sentiment":"positive","sentiment_score":0.6559630334377289},{"text":"Awesome too.","start":1165.6349,"end":1166.615,"sentiment":"positive","sentiment_score":0.8176407814025879}],"sentiment":"positive","sentiment_score":0.36333876475691795,"num_words":12,"start":1148.89,"end":1166.615},{"sentences":[{"text":"Easy.","start":1166.6749,"end":1166.9149,"sentiment":"positive","sentiment_score":0.6743804216384888},{"text":"Thanks, Erica.","start":1166.9149,"end":1167.735,"sentiment":"positive","sentiment_score":0.7369829416275024},{"text":"Thank you.","start":1169.715,"end":1170.455,"sentiment":"positive","sentiment_score":0.708834707736969},{"text":"I'll talk to you soon.","start":1170.5149,"end":1171.475,"sentiment":"positive","sentiment_score":0.40532306134700774},{"text":"Bye.","start":1171.475,"end":1171.975,"sentiment":"neutral","sentiment_score":0.2157316654920578}],"sentiment":"positive","sentiment_score":0.528032972054048,"num_words":11,"start":1166.6749,"end":1171.975},{"sentences":[{"text":"Bye.","start":1172.115,"end":1172.615,"sentiment":"neutral","sentiment_score":0.1304354965686798},{"text":"Bye.","start":1172.995,"end":1173.495,"sentiment":"neutral","sentiment_score":-0.12123610079288484}],"sentiment":"neutral","sentiment_score":0.0045996978878974845,"num_words":2,"start":1172.115,"end":1173.495}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Loretta?\n\nChannel 1: It is. Yep.\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: I'm good. Thanks, Franca. How yourself?\n\nChannel 0: Yeah. Good. Thanks.\n\nChannel 1: That's good.\n\nChannel 0: I I had you booked in for a bit of a catch up. Is now still a good time?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Sweetheart.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. No. Good. No. No.\n\nGood. Sorry. No worries at all.\n\nChannel 0: Yeah. Perfect. And even though I can hear that it is you, just for security purposes, could you just confirm me your full name, date of birth, and address, please?\n\nChannel 1: Davidson. '81. 426 Henderson Road, High Plan, Western Australia. 6\n\nChannel 0: Yes.\n\nChannel 1: 215.\n\nChannel 0: Perfect. That's\n\nChannel 1: 6\n\nChannel 0: exactly\n\nChannel 1: 1 2\n\nChannel 0: what I\n\nChannel 1: 5,\n\nChannel 0: have here.\n\nChannel 1: I think.\n\nChannel 0: Yes.\n\nChannel 1: I I\n\nChannel 0: 6\n\nChannel 1: can't remember.\n\nChannel 0: 16125\n\nChannel 1: Six one two\n\nChannel 0: is what I have.\n\nChannel 1: 5. Sorry.\n\nChannel 0: No. That's alright. How's your day been?\n\nChannel 1: Really good. I just got back from I've been away six days just with a boat, water skiing, and camping, and just having the best time ever. And\n\nChannel 0: I'm\n\nChannel 1: I think\n\nChannel 0: jealous.\n\nChannel 1: I got back about fifteen, twenty minutes ago. So\n\nChannel 0: Good timing.\n\nChannel 1: yeah.\n\nChannel 0: Did\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: It's\n\nChannel 0: have\n\nChannel 1: been\n\nChannel 0: good\n\nChannel 1: good.\n\nChannel 0: weather as well?\n\nChannel 1: Oh, it it was like, it wasn't cold ringing, but for for about three days, it was overcast. And, like,\n\nChannel 0: Yep.\n\nChannel 1: you just want the sun out, you know, the way\n\nChannel 0: Yes.\n\nChannel 1: water skiing and things like that. So\n\nChannel 0: Yeah.\n\nChannel 1: but the last couple of days were absolutely perfect and, yeah,\n\nChannel 0: Oh,\n\nChannel 1: like, 30 or 30 degrees maybe. So\n\nChannel 0: that's beautiful.\n\nChannel 1: yeah.\n\nChannel 0: And when\n\nChannel 1: That\n\nChannel 0: when\n\nChannel 1: was amazing.\n\nChannel 0: when do you go back to work again?\n\nChannel 1: Thursday. Yeah.\n\nChannel 0: Yeah. Well, at least you have a couple of days to just chill\n\nChannel 1: Yeah.\n\nChannel 0: a bit\n\nChannel 1: I gotta\n\nChannel 0: before.\n\nChannel 1: unpack and hose\n\nChannel 0: Yeah.\n\nChannel 1: off the boat, flush the engine, and I gotta, yeah, the rest of my hour Avo will be sent, yeah, unpacking, cleaning, and\n\nChannel 0: Yep.\n\nChannel 1: yeah. So\n\nChannel 0: I\n\nChannel 1: that's\n\nChannel 0: have\n\nChannel 1: alright.\n\nChannel 0: to.\n\nChannel 1: It's all fine as well.\n\nChannel 0: Yes. Comes with it. Well, I will try not to keep you for too long, but, essentially, do have you booked in to kind of reassess their insurances again for you. Do you\n\nChannel 1: Yeah.\n\nChannel 0: kind\n\nChannel 1: Yeah.\n\nChannel 0: of remember that? Are you happy to still kind of go ahead and look at the insurances?\n\nChannel 1: Yeah. I think it was at Macquarie or or not Macquarie. Not Macquarie. It was Was it started with m, wasn't it?\n\nChannel 0: MetLife, I think, was one of them that we were looking at.\n\nChannel 1: I thought it was through my work. Don't know what they're called.\n\nChannel 0: Because you have\n\nChannel 1: Yeah.\n\nChannel 0: Zurich.\n\nChannel 1: Zurich.\n\nChannel 0: You have Zurich with Westgold?\n\nChannel 1: Zurich. That's\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Sorry. Zurich. Not m\n\nChannel 0: Yes.\n\nChannel 1: and Zed.\n\nChannel 0: No. Yes. You do have, obviously, Zurich with Westgold already for your income protection, which is good.\n\nChannel 1: Oh, is that actually so I so my super is through Plum, and then\n\nChannel 0: Mhmm.\n\nChannel 1: I have income protection with Zurich. Yep.\n\nChannel 0: As well. Yes. So at the moment, in plum for you, you have life and TPD, for total permanent disability. Now you are currently covered for 698,164. So that\n\nChannel 1: Yep.\n\nChannel 0: is both for life and total permanent disability.\n\nChannel 1: Yep.\n\nChannel 0: You then\n\nChannel 1: Does that\n\nChannel 0: also\n\nChannel 1: go down\n\nChannel 0: have\n\nChannel 1: every year, does\n\nChannel 0: a\n\nChannel 1: it?\n\nChannel 0: They do.\n\nChannel 1: Yeah.\n\nChannel 0: You\n\nChannel 1: Okay.\n\nChannel 0: can fix it if you want with Plum Super, but it does get lower typically the older you get, and it gets more expensive.\n\nChannel 1: Yeah. Yeah. Right. So, I mean, it was, like, up around 750.\n\nChannel 0: Yes. It it they do kind of they automatically decrease. So the default cover, which is what you have in plum, it automatically decrease these age. Typically,\n\nChannel 1: Yeah.\n\nChannel 0: it's because the older people get the less cover they tend to need. You might\n\nChannel 1: Yeah.\n\nChannel 0: have,\n\nChannel 1: Yep.\n\nChannel 0: like, less debt. You might not need to cover your income for as much if something were to happen, so they do tend to decrease.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: If you want us to look at, you know, that kind of tailored cover for you that we were originally looking at, that doesn't decrease. That stays the same\n\nChannel 1: Yeah.\n\nChannel 0: until you change it. So it is a bit different in that it doesn't decrease just when you change it.\n\nChannel 1: Yeah. I might, yeah, look into that if that's cool.\n\nChannel 0: Yeah.\n\nChannel 1: I mean,\n\nChannel 0: Yeah.\n\nChannel 1: it seems to go down a lot, but because\n\nChannel 0: Yeah.\n\nChannel 1: I'm hoping to be able to get enough money from the bank this year to start building, but it's yeah. Everything's costing a lot more than\n\nChannel 0: Yes. Yes.\n\nChannel 1: than first budgeted and thought, and then interest rates went up again and blah blah blah.\n\nChannel 0: Yeah. I know they might go up again.\n\nChannel 1: Yeah.\n\nChannel 0: Some people are saying Yeah.\n\nChannel 1: Yep.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: if I've\n\nChannel 1: Because I will be over $1,000,000 in debt to mortgage\n\nChannel 0: yeah.\n\nChannel 1: well over.\n\nChannel 0: And\n\nChannel 1: And yeah.\n\nChannel 0: is that kind of, like, if I so after today, first, I'll just kind of gauge for how much cover you want. I'll then quickly transfer you over to my colleague, Maddie. She will just run through a bit of an updated pre assessment with you. We already have most of the information. It is just to confirm if anything's changed.\n\nI\n\nChannel 1: Yep.\n\nChannel 0: will then send it off to all the insurers, so it will be Zurich and all the one out there to see what they offer.\n\nChannel 1: Yep.\n\nChannel 0: And then I'll kind of run that through with you, and you can let me know, you know, pricing and cost, stuff like that, what you wanna do. And if it is that you, you know, are happy with it, then we can then look to consolidate from super for you potentially and get\n\nChannel 1: Yeah.\n\nChannel 0: cover paid just from network. So we can kind of see,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, what the outcome is. So if for life and TPD, for example, I can look at whatever amounts that you would like.\n\nChannel 1: Cool.\n\nChannel 0: So if you\n\nChannel 1: Yeah.\n\nChannel 0: said your debt is going to be around 1,000,000, would you like it to be a million?\n\nChannel 1: Oh, it's\n\nChannel 0: Do you want\n\nChannel 1: gonna\n\nChannel 0: a\n\nChannel 1: be\n\nChannel 0: bit\n\nChannel 1: more\n\nChannel 0: more?\n\nChannel 1: like one point three\n\nChannel 0: One\n\nChannel 1: one point three five.\n\nChannel 0: yeah. And how much life cover and total permanent disability would you like to be covered for?\n\nChannel 1: I I don't no. I hadn't really thought about it, to be honest. Could I could I get, like, different amount ideas? Like, what would eight\n\nChannel 0: Yep.\n\nChannel 1: 100,000 cover cost, and what would 1,000,000, what would\n\nChannel 0: Yeah.\n\nChannel 1: 1.3?\n\nChannel 0: Yeah.\n\nChannel 1: Just\n\nChannel 0: Well, I can always\n\nChannel 1: just\n\nChannel 0: get\n\nChannel 1: so\n\nChannel 0: the\n\nChannel 1: I'm\n\nChannel 0: price\n\nChannel 1: covered.\n\nChannel 0: difference for you first and then see how you feel about it if you are\n\nChannel 1: Yeah.\n\nChannel 0: unsure.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah?\n\nChannel 1: Yeah. That's cool.\n\nChannel 0: Yeah.\n\nChannel 1: You\n\nChannel 0: Sorry.\n\nChannel 1: can't you\n\nChannel 0: Okay.\n\nChannel 1: can't draw on your super to buy a hat to help build a house, can you?\n\nChannel 0: No. Unfortunately,\n\nChannel 1: No.\n\nChannel 0: it's not.\n\nChannel 1: No. That's\n\nChannel 0: The\n\nChannel 1: alright.\n\nChannel 0: only\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: didn't\n\nChannel 0: only\n\nChannel 1: really like the\n\nChannel 0: yeah.\n\nChannel 1: idea of touching my super anyway.\n\nChannel 0: Yeah. No. But yeah. No. Unfortunately, not because it is designed to obviously provide you for retirement.\n\nChannel 1: Yeah.\n\nChannel 0: Otherwise, if you could, a lot of people would, especially in today's environment. So yeah. Not at the moment anyway. Alright. So 801000000, and 1.3, did you say?\n\nChannel 1: Yeah. Or 1\n\nChannel 0: Yep.\n\nChannel 1: 2 even.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Thanks.\n\nChannel 0: 1.210.3. And that would be the same for life and total permanent disability?\n\nChannel 1: Yeah,\n\nChannel 0: Yep. Yes. Perfect. Now\n\nChannel 1: please.\n\nChannel 0: the other one is in your income protection. So you, at the moment, have two policies. So you have your Zurich policy that is paid from your employer. So you don't pay for it, and that\n\nChannel 1: Yep.\n\nChannel 0: is covering 75% of your salary. Now it is a two year benefit period. It only goes for two years, and you have to wait, yeah, ninety days until it starts being paid. So we can look at different options. The only thing is with income protection is that new policies can only cover you for 70% of your salary.\n\nSo while you have your Westgold paid policy, if we take out another policy, you won't be able to get paid up for both.\n\nChannel 1: Yeah. Yep. No. So I might as well just leave it for another year until that expires.\n\nChannel 0: So it's it stays for two years, meaning that it will stay so, basically, it stays in place while you work for Westgold.\n\nChannel 1: Oh,\n\nChannel 0: The two years is if something were to happen to you tomorrow and you can't go back to work,\n\nChannel 1: yeah.\n\nChannel 0: it\n\nChannel 1: Oh,\n\nChannel 0: would mean\n\nChannel 1: gotcha.\n\nChannel 0: that you would be paid out for two years. So that's how long\n\nChannel 1: Okay.\n\nChannel 0: you could be on claim for. So\n\nChannel 1: Yeah. I gotcha.\n\nChannel 0: with income protection, you can typically have two years, five years, or all the way up to the age of 65. Like, that's how long you can be paid income protection if something were to happen.\n\nChannel 1: Yep.\n\nChannel 0: Now we can look at another income protection if you would like, because at the moment, you also have a plum super income protection that you pay for, which is 14,025 per month. The only reason we kind of kept that last time we did advise is because\n\nChannel 1: Yeah.\n\nChannel 0: your Westgold policy is paid by the employer. So you aren't paying for two policies. You technically have two policies, but you only pay for one. Your employer pays for the other one, and the backup was more if you leave Westgold. And if you don't have plum, that means you're not gonna have anything.\n\nChannel 1: Yeah. I'll just leave that for my link. And also that would be 14,000 is probably about 70%, 80%, I guess. So it's about the same anyway, isn't\n\nChannel 0: Yeah.\n\nChannel 1: it?\n\nChannel 0: Yeah.\n\nChannel 1: Might\n\nChannel 0: Would\n\nChannel 1: as\n\nChannel 0: you\n\nChannel 1: well\n\nChannel 0: like\n\nChannel 1: just leave\n\nChannel 0: would you like me as I'm getting quote for life and PPD\n\nChannel 1: it.\n\nChannel 0: to see if we can consolidate Plum, would you like me to get prices for another income protection for the same, like, 70% of your income\n\nChannel 1: Oh,\n\nChannel 0: so you\n\nChannel 1: yeah.\n\nChannel 0: can\n\nChannel 1: Yep.\n\nChannel 0: have yeah? Alright.\n\nChannel 1: Yes. Sure.\n\nChannel 0: So\n\nChannel 1: Are\n\nChannel 0: 70\n\nChannel 1: they all 70 or 75%, are they?\n\nChannel 0: at 70% is the max you can get on new policy.\n\nChannel 1: Yep.\n\nChannel 0: That's the max. And is your income still $2.27?\n\nChannel 1: It's what? Sorry?\n\nChannel 0: Your income, is that still 227,000?\n\nChannel 1: Yeah. Like, base.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. $2.28. Yep.\n\nChannel 0: To 28?\n\nChannel 1: Yep. I'm hoping\n\nChannel 0: Yes.\n\nChannel 1: that changes real soon.\n\nChannel 0: Yeah. Are you due to get a pay rise or something?\n\nChannel 1: Yeah. We're supposed to be getting quite significant pay rises apparently because I was just doing my role. It's a statutory position, and and there's a new legislation\n\nChannel 0: Okay.\n\nChannel 1: that came out couple of years ago, and everyone had to reset their law exams. And\n\nChannel 0: Oh,\n\nChannel 1: a lot of the guys are just not gonna do it because it's pretty hard. And\n\nChannel 0: Yeah.\n\nChannel 1: I didn't mind a couple of years ago when it first came out, but the March 31 is when the new legislation comes into play. And if you don't\n\nChannel 0: Yes.\n\nChannel 1: have that ticket, then you then your mind cannot run without someone that holds that ticket. So so\n\nChannel 0: Right.\n\nChannel 1: the our value has\n\nChannel 0: Yeah.\n\nChannel 1: is about to go up,\n\nChannel 0: Up\n\nChannel 1: which\n\nChannel 0: for\n\nChannel 1: is good.\n\nChannel 0: you.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: it\n\nChannel 0: very\n\nChannel 1: should.\n\nChannel 0: good.\n\nChannel 1: The amount of responsibility\n\nChannel 0: Yeah.\n\nChannel 1: we've got and the work\n\nChannel 0: Yeah.\n\nChannel 1: the work that you do and yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Like,\n\nChannel 0: For\n\nChannel 1: one of\n\nChannel 0: sure.\n\nChannel 1: my one of my work is is is on a $150,000 more than me.\n\nChannel 0: Oh, wow.\n\nChannel 1: And, you know, and I'm his boss. And it's kinda like,\n\nChannel 0: Right.\n\nChannel 1: look. It's\n\nChannel 0: And how does that work?\n\nChannel 1: yeah. There's a big, big gap there, and it needs\n\nChannel 0: Yeah.\n\nChannel 1: to be not filled, but it needs to come a lot closer to that.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Definitely bridge that gap. Do you know how much is due to e like, what it's going to\n\nChannel 1: No.\n\nChannel 0: be?\n\nChannel 1: I've got no\n\nChannel 0: No?\n\nChannel 1: idea, but I'm actually gonna ask my boss when I go back to work, like, what's with because it all ties\n\nChannel 0: Yeah.\n\nChannel 1: in with this my home loan, like, trying to borrow\n\nChannel 0: Yeah.\n\nChannel 1: money off the bank to start building, and the\n\nChannel 0: Yeah.\n\nChannel 1: bill's about $70,000 over budget, and then, you know, I was hoping to have paid off a lot by then. You know? But, anyway, I was hoping for a 1.2, but\n\nChannel 0: Yep.\n\nChannel 1: now it's up around the 1.3\n\nChannel 0: Okay.\n\nChannel 1: 4 or something. So I'm like, oh, that's a lot of money extra. But\n\nChannel 0: It adds\n\nChannel 1: and the\n\nChannel 0: up.\n\nChannel 1: banks just won't\n\nChannel 0: Yeah.\n\nChannel 1: lend it unless my wage goes up. So so\n\nChannel 0: Yeah.\n\nChannel 1: there's a\n\nChannel 0: Okay.\n\nChannel 1: lot\n\nChannel 0: Just yeah. It's\n\nChannel 1: sort of teetering\n\nChannel 0: waiting.\n\nChannel 1: on the next month or\n\nChannel 0: Yeah.\n\nChannel 1: two and see what happens in payrolls. But I have no idea how much they'll go up, but\n\nChannel 0: Yeah.\n\nChannel 1: it'd wanna\n\nChannel 0: Okay.\n\nChannel 1: be more than $20.30 grand.\n\nChannel 0: Yeah. Okay. So there are two ways based on what you want. If your income is due to go up quite a bit, typically, I would say we might be better off to hold off until you know your income. Because\n\nChannel 1: Yeah.\n\nChannel 0: if we\n\nChannel 1: Okay.\n\nChannel 0: look at if we look at income protection today, and we go, and find a policy, they would only cover you sometimes they offer payslip, and they'd only cover you for what you are currently on. So let's say\n\nChannel 1: Yep. Yeah.\n\nChannel 0: we do\n\nChannel 1: Yep.\n\nChannel 0: 70% of 02/28, and then let's say in two months' time, your income is 300,000.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, you're not gonna be covered for as much as you might want to. So\n\nChannel 1: Yeah.\n\nChannel 0: if we go\n\nChannel 1: Yep.\n\nChannel 0: and then increase it, you'd have to go through the whole process again because\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: insurers\n\nChannel 1: got you.\n\nChannel 0: are like, we are taking on more risk, so they want to reassess everything. So\n\nChannel 1: Yeah. I got you.\n\nChannel 0: if it's so close, like, if it's at the end of, like, the March 31, the cutoff, and then if it's going to be shortly after that, even you still have a pretty decent policy, if something were to happen, we might be better off\n\nChannel 1: Just\n\nChannel 0: to\n\nChannel 1: waiting.\n\nChannel 0: wait until you have your new income because then we can get you a lot more income protection.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: But it is up to you. If you would like me to get quotes on what it is right now and do the 801,000,000, I'm happy to do it as well. Yeah.\n\nChannel 1: I'll just wait like you said, and then yeah. I'll give you a I'll send it, like, an email and just let you know if things change or when they change.\n\nChannel 0: Yeah. I think\n\nChannel 1: Yeah.\n\nChannel 0: that's better. And I what I can even do is, just because, obviously, I know life gets in the way sometime, that I can even get, when do you think roughly, if you\n\nChannel 1: I don't I don't know if they're planning on making this happen sort of, like, April, May, or if it's\n\nChannel 0: okay?\n\nChannel 1: gonna be after the financial year and and\n\nChannel 0: Okay.\n\nChannel 1: pays increase. I don't know. I don't know. So I've talked to him because it\n\nChannel 0: That's\n\nChannel 1: you know, I feel like, oh, we'll wait to end the financial year. That puts my\n\nChannel 0: yeah.\n\nChannel 1: entire house bill back.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: That's not fair. Alright. Well, what\n\nChannel 1: no.\n\nChannel 0: I might do then is I will put a little reminder to reach out about mid April just to see\n\nChannel 1: Yeah.\n\nChannel 0: if you have an update, so just really in about a month, to see if you have\n\nChannel 1: Sweet.\n\nChannel 0: an update on time frame.\n\nChannel 1: Cool.\n\nChannel 0: And and then we can kind of see what you would like to do if you know how far away. If it's still going to be month and month, we can always look at the cover for you. Or if you we can at least kind of then assess when we have a bit more understanding of where the income is due to change and what the situation is for you. And I'll make the appointment a bit longer too then because we can do your annual review at the same time because your annual review is due in about May.\n\nChannel 1: Yep.\n\nChannel 0: So we can kind of combine it if you are happy with that because then we can kind\n\nChannel 1: Sounds\n\nChannel 0: of do the\n\nChannel 1: good.\n\nChannel 0: insurance and do everything. But if you do find out before, like, mid April what it's going to be, you can always just send me an email or give me a call, and we could always\n\nChannel 1: Yep.\n\nChannel 0: push it forward, like, if you find out the information earlier.\n\nChannel 1: It's way too easy.\n\nChannel 0: Yeah. Are you happy with that?\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Sounds\n\nChannel 0: Perfect. Just\n\nChannel 1: real\n\nChannel 0: to make\n\nChannel 1: good.\n\nChannel 0: it a bit easier and save you having to go through this twice,\n\nChannel 1: Yeah.\n\nChannel 0: which which is just yeah. Sorry. I'll put a reminder about mid April. Do you know your roster and stuff? Yeah?\n\nLike, do you know when in mid\n\nChannel 1: Yes.\n\nChannel 0: April or you\n\nChannel 1: Yep.\n\nChannel 0: yeah?\n\nChannel 1: Set forever\n\nChannel 0: Yeah.\n\nChannel 1: because it's\n\nChannel 0: Because\n\nChannel 1: even\n\nChannel 0: if\n\nChannel 1: time,\n\nChannel 0: so\n\nChannel 1: so it's easy.\n\nChannel 0: yeah. Because if so, I can even just book it in now. And then, obviously,\n\nChannel 1: Yep.\n\nChannel 0: if anything changes, let me know.\n\nChannel 1: Yeah. Sweet. April. So I have got my work roster up.\n\nChannel 0: Yep.\n\nChannel 1: Now I'm in my diary as well. Eleventh and twelfth from horses. Either the around the fourteenth on April 15\n\nChannel 0: Yep.\n\nChannel 1: or later, twenty eighth, twenty ninth. I\n\nChannel 0: We can\n\nChannel 1: think\n\nChannel 0: how about we\n\nChannel 1: I\n\nChannel 0: do Wednesday, the fifteenth\n\nChannel 1: have.\n\nChannel 0: of April?\n\nChannel 1: Wednesday,\n\nChannel 0: Mhmm.\n\nChannel 1: fifteenth?\n\nChannel 0: Yep. And do you prefer morning or afternoon?\n\nChannel 1: I don't my morning's school.\n\nChannel 0: Morning school? Okay. So if\n\nChannel 1: Yeah.\n\nChannel 0: I do if I\n\nChannel 1: I'd\n\nChannel 0: do\n\nChannel 1: like\n\nChannel 0: 11:00 my time, which then be 09:00 your time. Is that too early?\n\nChannel 1: I normally do play golf Wednesday mornings, but I do\n\nChannel 0: Okay.\n\nChannel 1: tee off early. So more like this morning's time or\n\nChannel 0: K.\n\nChannel 1: midday.\n\nChannel 0: Let me have a little look. So about 12:00. Yep. We can do 12:00 your time on Wednesday, the fifteenth.\n\nChannel 1: Cool. Awesome.\n\nChannel 0: Yeah? Alright. Would you like me to send a reminder text, like, two hours before in case something comes up and you can't make it?\n\nChannel 1: I'll check-in my diary.\n\nChannel 0: Nah.\n\nChannel 1: I don't\n\nChannel 0: Yeah.\n\nChannel 1: I don't have a book.\n\nChannel 0: No. You're you're pretty good. You always answer, which\n\nChannel 1: Mhmm.\n\nChannel 0: I appreciate very much. Alright. So that is Wednesday, April 15 at 12PM your time. I'll have\n\nChannel 1: Yeah.\n\nChannel 0: the stuff for the annual review at the same time so we can do it. Hopefully, you have a bit more information on your income protection as well, and we can kind of combine and look at everything together.\n\nChannel 1: Sweet. Sounds good.\n\nChannel 0: Yep.\n\nChannel 1: Awesome.\n\nChannel 0: Perfect.\n\nChannel 1: Thank\n\nChannel 0: Now\n\nChannel 1: you.\n\nChannel 0: no. That's okay. Now there is just one thing I have noticed as well is that the ID we have on file has expired. I\n\nChannel 1: The\n\nChannel 0: think\n\nChannel 1: what?\n\nChannel 0: it expired\n\nChannel 1: Sorry.\n\nChannel 0: your driver's license or ID.\n\nChannel 1: Oh, yep.\n\nChannel 0: Did\n\nChannel 1: Yep.\n\nChannel 0: you get\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: That\n\nChannel 0: new\n\nChannel 1: is\n\nChannel 0: one\n\nChannel 1: fine.\n\nChannel 0: a few months ago?\n\nChannel 1: Yeah. November.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: We've\n\nChannel 0: Okay.\n\nChannel 1: got one.\n\nChannel 0: Perfect. Would you be able to, when you have a moment, send me a photo of the front and the back of your license? You can just send\n\nChannel 1: Yep.\n\nChannel 0: it directly\n\nChannel 1: Okay.\n\nChannel 0: to my email.\n\nChannel 1: No\n\nChannel 0: And\n\nChannel 1: worries.\n\nChannel 0: you have my email?\n\nChannel 1: I should I'll just do a quick check. Veronica@opfinancial.com.a\n\nChannel 0: Yes.\n\nChannel 1: u?\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: That's the one. So if you could just when you have a moment, just send a photo of the front and the back, that would be great. I'll get that saved. Otherwise, I will give you a call on the April 15. But like I said, if you find out earlier or anything changes, just let me know because we can always just bring that forward.\n\nChannel 1: Yes. Wait. Awesome.\n\nChannel 0: Yep.\n\nChannel 1: Thank you.\n\nChannel 0: No problem at all. Do you have any other questions for me otherwise today before I let you go and enjoy your afternoon?\n\nChannel 1: No. It should be all sweet.\n\nChannel 0: No? Okay.\n\nChannel 1: Thank you.\n\nChannel 0: If you think of anything, Zoe, you know, you have my email or just give me a call, and I'm happy to talk more.\n\nChannel 1: Awesome too. Easy. Thanks, Erica.\n\nChannel 0: No problem at all. We'll speak soon.\n\nChannel 1: Thank you. I'll talk to you\n\nChannel 0: Thanks.\n\nChannel 1: soon. Bye. Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.025808434933423996}],"sentiment":"neutral","sentiment_score":0.025808434933423996,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Good afternoon.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.20846307277679443},{"text":"Is this Loretta?","start":3.28,"end":4.18,"sentiment":"neutral","sentiment_score":0.10859969506661098}],"sentiment":"neutral","sentiment_score":0.14854504615068437,"channel":0,"num_words":5,"start":2.72,"end":4.18},{"sentences":[{"text":"It 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the one.","start":1129.285,"end":1130.0851,"sentiment":"neutral","sentiment_score":0.14307325581709543},{"text":"So if you could just when you have a moment, just send a photo of the front and the back, that would be great.","start":1130.0851,"end":1135.2051,"sentiment":"neutral","sentiment_score":0.19674224189172188},{"text":"I'll get that saved.","start":1135.2051,"end":1136.425,"sentiment":"neutral","sentiment_score":0.16557642072439194},{"text":"Otherwise, I will give you a call on the April 15.","start":1137.045,"end":1140.2451,"sentiment":"neutral","sentiment_score":0.061223074455152855},{"text":"But like I said, if you find out earlier or anything changes, just let me know because we can always just bring that 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you.","start":1148.89,"end":1149.71,"sentiment":"positive","sentiment_score":0.47206035256385803}],"sentiment":"positive","sentiment_score":0.47206035256385803,"channel":1,"num_words":2,"start":1148.89,"end":1149.71},{"sentences":[{"text":"No problem at all.","start":1150.0199,"end":1150.98,"sentiment":"neutral","sentiment_score":0.1799321398139},{"text":"Do you have any other questions for me otherwise today before I let you go and enjoy your afternoon?","start":1150.98,"end":1156.2799,"sentiment":"neutral","sentiment_score":0.13923009739894615}],"sentiment":"neutral","sentiment_score":0.14630871347111205,"channel":0,"num_words":23,"start":1150.0199,"end":1156.2799},{"sentences":[{"text":"No.","start":1156.89,"end":1157.0499,"sentiment":"neutral","sentiment_score":-0.18975308537483215},{"text":"It should be all sweet.","start":1157.0499,"end":1158.27,"sentiment":"neutral","sentiment_score":0.13169798552989959}],"sentiment":"neutral","sentiment_score":0.07812280704577763,"channel":1,"num_words":6,"start":1156.89,"end":1158.27},{"sentences":[{"text":"No?","start":1157.9249,"end":1158.4249,"sentiment":"neutral","sentiment_score":-0.0072164833545684814},{"text":"Okay.","start":1158.725,"end":1159.225,"sentiment":"neutral","sentiment_score":0.2915675640106201}],"sentiment":"neutral","sentiment_score":0.14217554032802582,"channel":0,"num_words":2,"start":1157.9249,"end":1159.225},{"sentences":[{"text":"Thank you.","start":1158.89,"end":1159.63,"sentiment":"positive","sentiment_score":0.6559630334377289}],"sentiment":"positive","sentiment_score":0.6559630334377289,"channel":1,"num_words":2,"start":1158.89,"end":1159.63},{"sentences":[{"text":"If you think of anything, Zoe, you know, you have my email or just give me a call, and I'm happy to talk more.","start":1159.365,"end":1165.3049,"sentiment":"neutral","sentiment_score":0.2845598633090655}],"sentiment":"neutral","sentiment_score":0.2845598633090655,"channel":0,"num_words":24,"start":1159.365,"end":1165.3049},{"sentences":[{"text":"Awesome too.","start":1165.6349,"end":1166.615,"sentiment":"positive","sentiment_score":0.8176407814025879},{"text":"Easy.","start":1166.6749,"end":1166.9149,"sentiment":"positive","sentiment_score":0.6743804216384888},{"text":"Thanks, Erica.","start":1166.9149,"end":1167.735,"sentiment":"positive","sentiment_score":0.7369829416275024}],"sentiment":"positive","sentiment_score":0.7567255735397339,"channel":1,"num_words":5,"start":1165.6349,"end":1167.735},{"sentences":[{"text":"No problem at all.","start":1168.345,"end":1169.1449,"sentiment":"positive","sentiment_score":0.5115328282117844},{"text":"We'll speak soon.","start":1169.1449,"end":1169.965,"sentiment":"positive","sentiment_score":0.415807048479716}],"sentiment":"positive","sentiment_score":0.4705074940408979,"channel":0,"num_words":7,"start":1168.345,"end":1169.965},{"sentences":[{"text":"Thank you.","start":1169.715,"end":1170.455,"sentiment":"positive","sentiment_score":0.708834707736969},{"text":"I'll talk to you","start":1170.5149,"end":1171.1549,"sentiment":"positive","sentiment_score":0.45528286695480347}],"sentiment":"positive","sentiment_score":0.5398001472155253,"channel":1,"num_words":6,"start":1169.715,"end":1171.1549},{"sentences":[{"text":"Thanks.","start":1171.065,"end":1171.565,"sentiment":"positive","sentiment_score":0.4833675026893616}],"sentiment":"positive","sentiment_score":0.4833675026893616,"channel":0,"num_words":1,"start":1171.065,"end":1171.565},{"sentences":[{"text":"soon.","start":1171.1549,"end":1171.475,"sentiment":"neutral","sentiment_score":0.2054838389158249},{"text":"Bye.","start":1171.475,"end":1171.975,"sentiment":"neutral","sentiment_score":0.2157316654920578},{"text":"Bye.","start":1172.115,"end":1172.615,"sentiment":"neutral","sentiment_score":0.1304354965686798}],"sentiment":"neutral","sentiment_score":0.1838836669921875,"channel":1,"num_words":3,"start":1171.1549,"end":1172.615},{"sentences":[{"text":"Bye.","start":1172.1849,"end":1172.6849,"sentiment":"neutral","sentiment_score":0.13395701348781586}],"sentiment":"neutral","sentiment_score":0.13395701348781586,"channel":0,"num_words":1,"start":1172.1849,"end":1172.6849},{"sentences":[{"text":"Bye.","start":1172.995,"end":1173.495,"sentiment":"neutral","sentiment_score":-0.12123610079288484}],"sentiment":"neutral","sentiment_score":-0.12123610079288484,"channel":1,"num_words":1,"start":1172.995,"end":1173.495}]},"summary":{"result":"success","short":"A representative from Financial reassesses Loretta's insurance coverage and offers tailored coverage options for her age and life and total permanent disability. She is also offered two different coverage options for income protection and a quote for life and PPD coverage. The agent explains the benefits of a policy and suggests waiting until income protection is complete before committing to a new policy. The customer is advised to reach out with annual reviews and a reminder text."},"intents":{"segments":[{"text":"I I had you booked in for a bit of a catch up. Is now still a good time? Yes. Yep. Yeah.","start_word":28,"end_word":49,"intents":[{"intent":"Schedule work","confidence_score":0.0027320252}]},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":52,"end_word":81,"intents":[{"intent":"Check call records","confidence_score":0.000002256527}]},{"text":"And even though I can hear that it is you, just for security purposes, could you just confirm me your full name, date of birth, and address, please? Davidson.","start_word":94,"end_word":122,"intents":[{"intent":"Confirm identity","confidence_score":0.25407988},{"intent":"Confirm identity","confidence_score":0.30340877},{"intent":"Confirm address","confidence_score":0.036138784}]},{"text":"you It's have been good good. weather as well?","start_word":216,"end_word":224,"intents":[{"intent":"Inquire about weather","confidence_score":0.02720695}]},{"text":"Well, I will try not to keep you for too long, but, essentially, do have you booked in to kind of reassess their insurances again for you. Do you Yeah. kind Yeah.","start_word":366,"end_word":397,"intents":[{"intent":"Report insurance changes","confidence_score":0.0023583432}]},{"text":"If you want us to look at, you know, that kind of tailored cover for you that we were originally looking at, that doesn't decrease. That stays the same Yeah. until you change it. So it is a bit different in that it doesn't decrease just when you change it. Yeah.","start_word":688,"end_word":738,"intents":[{"intent":"Plan","confidence_score":0.010076935}]},{"text":"It is just to confirm if anything's changed. I Yep.","start_word":896,"end_word":905,"intents":[{"intent":"Confirm","confidence_score":0.0018984555},{"intent":"Confirm","confidence_score":0.18077837}]},{"text":"And then I'll kind of run that through with you, and you can let me know, you know, pricing and cost, stuff like that, what you wanna do. And if it is that you, you know, are happy with it, then we can then look to consolidate from super for you potentially and get Yeah.","start_word":932,"end_word":986,"intents":[{"intent":"Consolidate","confidence_score":0.19594821},{"intent":"Consolidate","confidence_score":0.26491475}]},{"text":"And how much life cover and total permanent disability would you like to be covered for?","start_word":1065,"end_word":1080,"intents":[{"intent":"Determine coverage requirements","confidence_score":0.03842929}]},{"text":"The only thing is with income protection is that new policies can only cover you for 70% of your salary. So while you have your Westgold paid policy, if we take out another policy, you won't be able to get paid up for both. Yeah.","start_word":1351,"end_word":1395,"intents":[{"intent":"Clarify income protection","confidence_score":0.0037876333}]},{"text":"There's a big, big gap there, and it needs Yeah. to be not filled, but it needs to come a lot closer to that. Yeah.","start_word":1977,"end_word":2001,"intents":[{"intent":"Address a gap in work and pay","confidence_score":0.000044192715}]},{"text":"if we Okay. look at if we look at income protection today, and we go, and find a policy, they would only cover you sometimes they offer payslip, and they'd only cover you for what you are currently on.","start_word":2228,"end_word":2266,"intents":[{"intent":"Discuss policy options","confidence_score":0.021343386}]},{"text":"if it's so close, like, if it's at the end of, like, the March 31, the cutoff, and then if it's going to be shortly after that, even you still have a pretty decent policy, if something were to happen, we might be better off Just to waiting.","start_word":2351,"end_word":2398,"intents":[{"intent":"Inquire about policy change","confidence_score":0.000074582545}]},{"text":"Do you know your roster and stuff? Yeah? Like, do you know when in mid April Yes. or you Yep. yeah?","start_word":2861,"end_word":2881,"intents":[{"intent":"Share schedule and location","confidence_score":8.9665656e-7}]},{"text":"We can do 12:00 your time on Wednesday, the fifteenth. Cool.","start_word":3047,"end_word":3057,"intents":[{"intent":"Schedule a meeting","confidence_score":0.021641482}]},{"text":"We'll speak soon. Thank you. I'll talk to you Thanks. soon.","start_word":3426,"end_word":3436,"intents":[{"intent":"Delivery","confidence_score":0.00018343682}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Loretta? It is. Yep. This is Veronica from Financial. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.12486303597688676},{"text":"I'm good. Thanks, Franca.","start_word":17,"end_word":20,"sentiment":"positive","sentiment_score":0.4806389808654785},{"text":"How yourself? Yeah.","start_word":21,"end_word":23,"sentiment":"neutral","sentiment_score":0.2610200345516205},{"text":"Good. Thanks. That's good.","start_word":24,"end_word":27,"sentiment":"positive","sentiment_score":0.5907429456710815},{"text":"I I had you booked in for a bit of a catch up. Is now still a good time? Yes. Yep. Yeah.","start_word":28,"end_word":49,"sentiment":"neutral","sentiment_score":0.22978857159614563},{"text":"Sweetheart. Perfect.","start_word":50,"end_word":51,"sentiment":"positive","sentiment_score":0.37086233496665955},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. No. Good. No. No. Good. Sorry. No worries at all. Yeah. Perfect. And even though I can hear that it is you, just for security purposes, could you just confirm me your full name, date of birth, and address, please? Davidson. '81. 426 Henderson Road, High Plan, Western Australia. 6 Yes. 215. Perfect. That's 6 exactly 1 2 what I 5, have here. I think. Yes. I I 6 can't remember. 16125 Six one two is what I have. 5. Sorry. No. That's alright. How's your day been?","start_word":52,"end_word":169,"sentiment":"neutral","sentiment_score":0.03772246465086937},{"text":"Really good. I just got back from I've been away six days just with a boat, water skiing, and camping, and just having the best time ever.","start_word":170,"end_word":196,"sentiment":"positive","sentiment_score":0.39668044447898865},{"text":"And I'm I think jealous. I got back about fifteen, twenty minutes ago. So Good timing. yeah. Did No. you It's have been good good. weather as well? Oh, it it was like, it wasn't cold ringing, but for for about three days, it was overcast. And, like, Yep. you just want the sun out, you know, the way Yes. water skiing and things like that. So Yeah. but the last couple of days were absolutely perfect and, yeah, Oh, like, 30 or 30 degrees maybe.","start_word":197,"end_word":282,"sentiment":"neutral","sentiment_score":0.11674416065216064},{"text":"So that's beautiful.","start_word":283,"end_word":285,"sentiment":"positive","sentiment_score":0.35543012619018555},{"text":"yeah. And when That when was amazing. when do you go back to work again? Thursday. Yeah. Yeah. Well, at least you have a couple of days to just chill Yeah. a bit I gotta before. unpack and hose Yeah. off the boat, flush the engine, and I gotta, yeah, the rest of my hour Avo will be sent, yeah, unpacking, cleaning, and Yep. yeah.","start_word":286,"end_word":350,"sentiment":"neutral","sentiment_score":0.07642516665733777},{"text":"So I that's have alright.","start_word":351,"end_word":355,"sentiment":"positive","sentiment_score":0.33762964606285095},{"text":"to.","start_word":356,"end_word":356,"sentiment":"neutral","sentiment_score":0.30973678827285767},{"text":"It's all fine as well. Yes.","start_word":357,"end_word":362,"sentiment":"positive","sentiment_score":0.5164310932159424},{"text":"Comes with it. Well, I will try not to keep you for too long, but, essentially, do have you booked in to kind of reassess their insurances again for you. Do you Yeah. kind Yeah. of remember that? Are you happy to still kind of go ahead and look at the insurances? Yeah. I think it was at Macquarie or or not Macquarie. Not Macquarie. It was Was it started with m, wasn't it? MetLife, I think, was one of them that we were looking at. I thought it was through my work. Don't know what they're called. Because you have Yeah. Zurich. Zurich. You have Zurich with Westgold? Zurich. That's Yes. Yeah. Sorry. Zurich. Not m Yes. and Zed. No. Yes. You do have, obviously, Zurich with Westgold already for your income protection, which is good. Oh, is that actually so I so my super is through Plum, and then Mhmm. I have income protection with Zurich. Yep. As well. Yes. So at the moment, in plum for you, you have life and TPD, for total permanent disability. Now you are currently covered for 698,164. So that Yep. is both for life and total permanent disability. Yep. You then Does that also go down have every year, does a it? They do. Yeah. You Okay. can fix it if you want with Plum Super, but it does get lower typically the older you get, and it gets more expensive. Yeah. Yeah. Right. So, I mean, it was, like, up around 750. Yes. It it they do kind of they automatically decrease. So the default cover, which is what you have in plum, it automatically decrease these age. Typically, Yeah. it's because the older people get the less cover they tend to need. You might Yeah. have, Yep. like, less debt. You might not need to cover your income for as much if something were to happen, so they do tend to decrease. Yeah. Yeah. If you want us to look at, you know, that kind of tailored cover for you that we were originally looking at, that doesn't decrease. That stays the same Yeah. until you change it. So it is a bit different in that it doesn't decrease just when you change it. Yeah. I might, yeah, look into that if that's cool. Yeah. I mean, Yeah. it seems to go down a lot, but because Yeah. I'm hoping to be able to get enough money from the bank this year to start building, but it's yeah. Everything's costing a lot more than Yes. Yes. than first budgeted and thought, and then interest rates went up again and blah blah blah. Yeah. I know they might go up again. Yeah. Some people are saying Yeah. Yep. No. So So yeah. if I've Because I will be over $1,000,000 in debt to mortgage yeah. well over. And And yeah. is that kind of, like, if I so after today, first, I'll just kind of gauge for how much cover you want. I'll then quickly transfer you over to my colleague, Maddie. She will just run through a bit of an updated pre assessment with you. We already have most of the information. It is just to confirm if anything's changed. I Yep. will then send it off to all the insurers, so it will be Zurich and all the one out there to see what they offer. Yep. And then I'll kind of run that through with you, and you can let me know, you know, pricing and cost, stuff like that, what you wanna do. And if it is that you, you know, are happy with it, then we can then look to consolidate from super for you potentially and get Yeah. cover paid just from network. So we can kind of see, Yeah. obviously, what the outcome is. So if for life and TPD, for example, I can look at whatever amounts that you would like.","start_word":363,"end_word":1021,"sentiment":"neutral","sentiment_score":0.02862781923891742},{"text":"Cool.","start_word":1022,"end_word":1022,"sentiment":"positive","sentiment_score":0.3682226538658142},{"text":"So if you Yeah. said your debt is going to be around 1,000,000, would you like it to be a million? Oh, it's Do you want gonna a be bit more more? like one point three One one point three five. yeah. And how much life cover and total permanent disability would you like to be covered for? I I don't no. I hadn't really thought about it, to be honest. Could I could I get, like, different amount ideas? Like, what would eight Yep. 100,000 cover cost, and what would 1,000,000, what would Yeah. 1.3? Yeah. Just Well, I can always just get so the I'm price covered. difference for you first and then see how you feel about it if you are Yeah. unsure. Yeah. Yeah? Yeah.","start_word":1023,"end_word":1151,"sentiment":"neutral","sentiment_score":0.0052148341201245785},{"text":"That's cool.","start_word":1152,"end_word":1153,"sentiment":"positive","sentiment_score":0.35007739067077637},{"text":"Yeah. You Sorry. can't you Okay. can't draw on your super to buy a hat to help build a house, can you? No. Unfortunately, No. it's not. No. That's The alright. only I the didn't only really like the yeah. idea of touching my super anyway. Yeah. No. But yeah. No. Unfortunately, not because it is designed to obviously provide you for retirement. Yeah. Otherwise, if you could, a lot of people would, especially in today's environment. So yeah. Not at the moment anyway. Alright. So 801000000, and 1.3, did you say? Yeah. Or 1 Yep. 2 even. Okay. Yeah. Thanks. 1.210.3. And that would be the same for life and total permanent disability? Yeah, Yep. Yes.","start_word":1154,"end_word":1270,"sentiment":"neutral","sentiment_score":-0.07020512223243713},{"text":"Perfect.","start_word":1271,"end_word":1271,"sentiment":"positive","sentiment_score":0.3787478506565094},{"text":"Now please. the other one is in your income protection. So you, at the moment, have two policies. So you have your Zurich policy that is paid from your employer. So you don't pay for it, and that Yep. is covering 75% of your salary. Now it is a two year benefit period. It only goes for two years, and you have to wait, yeah, ninety days until it starts being paid. So we can look at different options. The only thing is with income protection is that new policies can only cover you for 70% of your salary. So while you have your Westgold paid policy, if we take out another policy, you won't be able to get paid up for both. Yeah. Yep. No. So I might as well just leave it for another year until that expires. So it's it stays for two years, meaning that it will stay so, basically, it stays in place while you work for Westgold. Oh, The two years is if something were to happen to you tomorrow and you can't go back to work, yeah. it Oh, would mean gotcha. that you would be paid out for two years. So that's how long Okay. you could be on claim for. So Yeah. I gotcha. with income protection, you can typically have two years, five years, or all the way up to the age of 65. Like, that's how long you can be paid income protection if something were to happen. Yep. Now we can look at another income protection if you would like, because at the moment, you also have a plum super income protection that you pay for, which is 14,025 per month. The only reason we kind of kept that last time we did advise is because Yeah. your Westgold policy is paid by the employer. So you aren't paying for two policies. You technically have two policies, but you only pay for one. Your employer pays for the other one, and the backup was more if you leave Westgold. And if you don't have plum, that means you're not gonna have anything. Yeah. I'll just leave that for my link. And also that would be 14,000 is probably about 70%, 80%, I guess. So it's about the same anyway, isn't Yeah. it? Yeah. Might Would as you well like just leave would you like me as I'm getting quote for life and PPD it. to see if we can consolidate Plum, would you like me to get prices for another income protection for the same, like, 70% of your income Oh, so you yeah. can Yep. have yeah? Alright. Yes. Sure. So Are 70 they all 70 or 75%, are they? at 70% is the max you can get on new policy. Yep. That's the max. And is your income still $2.27? It's what? Sorry? Your income, is that still 227,000? Yeah. Like, base. Yes. Yeah. $2.28. Yep. To 28? Yep. I'm hoping Yes. that changes real soon. Yeah. Are you due to get a pay rise or something? Yeah. We're supposed to be getting quite significant pay rises apparently because I was just doing my role. It's a statutory position, and and there's a new legislation Okay. that came out couple of years ago, and everyone had to reset their law exams.","start_word":1272,"end_word":1826,"sentiment":"neutral","sentiment_score":0.027069671367880313},{"text":"And Oh, a lot of the guys are just not gonna do it because it's pretty hard.","start_word":1827,"end_word":1843,"sentiment":"negative","sentiment_score":-0.4165872037410736},{"text":"And Yeah. I didn't mind a couple of years ago when it first came out, but the March 31 is when the new legislation comes into play. And if you don't Yes. have that ticket, then you then your mind cannot run without someone that holds that ticket. So so Right. the our value has Yeah. is about to go up, Up which for is good. you.","start_word":1844,"end_word":1910,"sentiment":"neutral","sentiment_score":-0.021401042118668556},{"text":"So That's it very should.","start_word":1911,"end_word":1915,"sentiment":"positive","sentiment_score":0.3826601505279541},{"text":"good. The amount of responsibility Yeah. we've got and the work Yeah. the work that you do and yeah. Yeah. Like, For one of sure. my one of my work is is is on a $150,000 more than me. Oh, wow. And, you know, and I'm his boss. And it's kinda like, Right. look. It's And how does that work? yeah. There's a big, big gap there, and it needs Yeah. to be not filled, but it needs to come a lot closer to that. Yeah. So Definitely bridge that gap. Do you know how much is due to e like, what it's going to No. be? I've got no No? idea, but I'm actually gonna ask my boss when I go back to work, like, what's with because it all ties Yeah. in with this my home loan, like, trying to borrow Yeah. money off the bank to start building, and the Yeah. bill's about $70,000 over budget, and then, you know, I was hoping to have paid off a lot by then. You know? But, anyway, I was hoping for a 1.2, but Yep. now it's up around the 1.3 Okay. 4 or something. So I'm like, oh, that's a lot of money extra. But It adds and the up. banks just won't Yeah. lend it unless my wage goes up. So so Yeah. there's a Okay. lot Just yeah. It's sort of teetering waiting. on the next month or Yeah. two and see what happens in payrolls. But I have no idea how much they'll go up, but Yeah. it'd wanna Okay. be more than $20.30 grand. Yeah. Okay. So there are two ways based on what you want. If your income is due to go up quite a bit, typically, I would say we might be better off to hold off until you know your income. Because Yeah. if we Okay. look at if we look at income protection today, and we go, and find a policy, they would only cover you sometimes they offer payslip, and they'd only cover you for what you are currently on. So let's say Yep. Yeah. we do Yep. 70% of 02/28, and then let's say in two months' time, your income is 300,000. Yep.","start_word":1916,"end_word":2290,"sentiment":"neutral","sentiment_score":-0.05578130822380384},{"text":"Obviously, you're not gonna be covered for as much as you might want to.","start_word":2291,"end_word":2304,"sentiment":"negative","sentiment_score":-0.434338241815567},{"text":"So Yeah. if we go Yep. and then increase it, you'd have to go through the whole process again because the Yeah. insurers I got you.","start_word":2305,"end_word":2330,"sentiment":"neutral","sentiment_score":-0.2848805785179138},{"text":"are like, we are taking on more risk, so they want to reassess everything.","start_word":2331,"end_word":2344,"sentiment":"negative","sentiment_score":-0.3803419470787048},{"text":"So Yeah. I got you. if it's so close, like, if it's at the end of, like, the March 31, the cutoff, and then if it's going to be shortly after that, even you still have a pretty decent policy, if something were to happen, we might be better off Just to waiting. wait until you have your new income because then we can get you a lot more income protection.","start_word":2345,"end_word":2415,"sentiment":"neutral","sentiment_score":0.03724610286069588},{"text":"Yeah. Cool. But it is up to you. If you would like me to get quotes on what it is right now and do the 801,000,000, I'm happy to do it as well.","start_word":2416,"end_word":2448,"sentiment":"positive","sentiment_score":0.5611836314201355},{"text":"Yeah. I'll just wait like you said, and then yeah. I'll give you a I'll send it, like, an email and just let you know if things change or when they change. Yeah. I think Yeah.","start_word":2449,"end_word":2484,"sentiment":"neutral","sentiment_score":0.18540610373020172},{"text":"that's better.","start_word":2485,"end_word":2486,"sentiment":"positive","sentiment_score":0.3552209436893463},{"text":"And I what I can even do is, just because, obviously, I know life gets in the way sometime, that I can even get, when do you think roughly, if you I don't I don't know if they're planning on making this happen sort of, like, April, May, or if it's okay? gonna be after the financial year and and Okay. pays increase. I don't know. I don't know. So I've talked to him because it That's you know, I feel like, oh, we'll wait to end the financial year.","start_word":2487,"end_word":2576,"sentiment":"neutral","sentiment_score":-0.07840055972337723},{"text":"That puts my yeah. entire house bill back.","start_word":2577,"end_word":2584,"sentiment":"negative","sentiment_score":-0.3531855046749115},{"text":"Yeah.","start_word":2585,"end_word":2585,"sentiment":"neutral","sentiment_score":-0.28033095598220825},{"text":"So That's not fair.","start_word":2586,"end_word":2589,"sentiment":"negative","sentiment_score":-0.5131109952926636},{"text":"Alright. Well, what no. I might do then is I will put a little reminder to reach out about mid April just to see Yeah. if you have an update, so just really in about a month, to see if you have Sweet. an update on time frame. Cool. And and then we can kind of see what you would like to do if you know how far away. If it's still going to be month and month, we can always look at the cover for you. Or if you we can at least kind of then assess when we have a bit more understanding of where the income is due to change and what the situation is for you. And I'll make the appointment a bit longer too then because we can do your annual review at the same time because your annual review is due in about May. Yep.","start_word":2590,"end_word":2740,"sentiment":"neutral","sentiment_score":-0.013307264309055758},{"text":"So we can kind of combine it if you are happy with that because then we can kind Sounds of do the good.","start_word":2741,"end_word":2763,"sentiment":"positive","sentiment_score":0.3958168029785156},{"text":"insurance and do everything. But if you do find out before, like, mid April what it's going to be, you can always just send me an email or give me a call, and we could always Yep. push it forward, like, if you find out the information earlier.","start_word":2764,"end_word":2811,"sentiment":"neutral","sentiment_score":0.20622730255126953},{"text":"It's way too easy. Yeah. Are you happy with that? Yeah. Sounds good. Yes. Yes. Sounds Perfect. Just real to make good. it a bit easier and save you having to go through this twice, Yeah.","start_word":2812,"end_word":2847,"sentiment":"positive","sentiment_score":0.5090739130973816},{"text":"which which is just yeah. Sorry. I'll put a reminder about mid April. Do you know your roster and stuff? Yeah? Like, do you know when in mid April Yes. or you Yep. yeah? Set forever Yeah. because it's Because even if so time, so it's easy. yeah. Because if so, I can even just book it in now. And then, obviously, Yep. if anything changes, let me know. Yeah. Sweet. April. So I have got my work roster up. Yep. Now I'm in my diary as well. Eleventh and twelfth from horses. Either the around the fourteenth on April 15 Yep. or later, twenty eighth, twenty ninth. I We can think how about we I do Wednesday, the fifteenth have. of April? Wednesday, Mhmm. fifteenth? Yep. And do you prefer morning or afternoon? I don't my morning's school. Morning school? Okay. So if Yeah. I do if I I'd do like 11:00 my time, which then be 09:00 your time. Is that too early? I normally do play golf Wednesday mornings, but I do Okay. tee off early. So more like this morning's time or K. midday. Let me have a little look. So about 12:00. Yep. We can do 12:00 your time on Wednesday, the fifteenth.","start_word":2848,"end_word":3055,"sentiment":"neutral","sentiment_score":0.060473086670614205},{"text":"Cool. Awesome. Yeah?","start_word":3056,"end_word":3058,"sentiment":"positive","sentiment_score":0.6106023788452148},{"text":"Alright. Would you like me to send a reminder text, like, two hours before in case something comes up and you can't make it? I'll check-in my diary. Nah. I don't Yeah. I don't have a book. No. You're you're pretty good. You always answer, which Mhmm.","start_word":3059,"end_word":3105,"sentiment":"neutral","sentiment_score":0.07909919321537018},{"text":"I appreciate very much.","start_word":3106,"end_word":3109,"sentiment":"positive","sentiment_score":0.5227968096733093},{"text":"Alright. So that is Wednesday, April 15 at 12PM your time. I'll have Yeah. the stuff for the annual review at the same time so we can do it. Hopefully, you have a bit more information on your income protection as well, and we can kind of combine and look at everything together.","start_word":3110,"end_word":3162,"sentiment":"neutral","sentiment_score":0.1499267965555191},{"text":"Sweet. Sounds good.","start_word":3163,"end_word":3165,"sentiment":"positive","sentiment_score":0.4797875881195069},{"text":"Yep.","start_word":3166,"end_word":3166,"sentiment":"neutral","sentiment_score":0.31353867053985596},{"text":"Awesome. Perfect. Thank Now you.","start_word":3167,"end_word":3171,"sentiment":"positive","sentiment_score":0.4752724766731262},{"text":"no. That's okay. Now there is just one thing I have noticed as well is that the ID we have on file has expired. I think The what? it expired Sorry. your driver's license or ID. Oh, yep. Did Yep. you get Yeah. a That new is one fine. a few months ago? Yeah. November. Yeah. Yeah. We've Okay. got one. Perfect. Would you be able to, when you have a moment, send me a photo of the front and the back of your license? You can just send Yep. it directly Okay. to my email. No And worries. you have my email? I should I'll just do a quick check. Veronica@opfinancial.com.a Yes. u? Yep. Yep. That's the one. So if you could just when you have a moment, just send a photo of the front and the back, that would be great. I'll get that saved. Otherwise, I will give you a call on the April 15. But like I said, if you find out earlier or anything changes, just let me know because we can always just bring that forward. Yes. Wait.","start_word":3172,"end_word":3355,"sentiment":"neutral","sentiment_score":0.044474683701992035},{"text":"Awesome.","start_word":3356,"end_word":3356,"sentiment":"positive","sentiment_score":0.3738630414009094},{"text":"Yep.","start_word":3357,"end_word":3357,"sentiment":"neutral","sentiment_score":0.2363547682762146},{"text":"Thank you.","start_word":3358,"end_word":3359,"sentiment":"positive","sentiment_score":0.4640868604183197},{"text":"No problem at all. Do you have any other questions for me otherwise today before I let you go and enjoy your afternoon? No. It should be all sweet. No? Okay.","start_word":3360,"end_word":3390,"sentiment":"neutral","sentiment_score":0.13160684440405138},{"text":"Thank you.","start_word":3391,"end_word":3392,"sentiment":"positive","sentiment_score":0.63472980260849},{"text":"If you think of anything, Zoe, you know, you have my email or just give me a call, and I'm happy to talk more.","start_word":3393,"end_word":3416,"sentiment":"neutral","sentiment_score":0.2851363718509674},{"text":"Awesome too. Easy. Thanks, Erica. No problem at all. We'll speak soon. Thank you. I'll talk to you Thanks.","start_word":3417,"end_word":3435,"sentiment":"positive","sentiment_score":0.5567212104797363},{"text":"soon. Bye. Bye. Bye. Bye.","start_word":3436,"end_word":3440,"sentiment":"neutral","sentiment_score":0.15904200077056885}],"average":{"sentiment":"neutral","sentiment_score":0.04411353210963173}}}}