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I was just sending you an email as well just to cover all my bases. I even was even sort of sitting on the the Google Meet because I knew Connor set set the meeting up a Google Meet link as well. So I sort of hit all the bases to try and make sure I could connect with you. No. You're okay. Look. So long as it sounds like you're you're hands free, I'm more than happy to have a conversation with you anyway to just kind of cover off everything that we need to cover off. So I've I've had a look at your, like, your file history because, obviously, you were kind of Oak Financial and just trying to sort of, I guess, establish where things were previously and kinda go from there. But realistically speaking, essentially, it's kind of a, I guess, a bit of a clean slate. So wanting to look at everything with a fresh set of eyes and kind of build from there. So Yeah. Yep. Well, the good thing is is that, like, we can set it up to pay from your SMSF straight off the bat. So, you know, nothing hidden. Nothing need to be changed from there. I so I guess the the the the probably is the thing that we need to start off with, first and foremost, is me, I guess, trying to get a clear understanding as to where you sit now with, I guess, your debts, your liabilities, what you won't cover for, and where I think like, where where your personal situation lies. Yep. No. That's okay. Okay. So we want sort of, I guess Yeah. Yeah. Yeah. I'm here. So I guess that's but we want live TV IP. So that's nice and easy on that front. I guess the I guess the the the clear part that I need to sort of know is what, I guess, cover amounts you want or what you're wanting. Like, do you have an idea as to what you want cover amount wise or or how you want it structured? Or do you want me to kinda go through reexplain like, explain how everything fits, benefits of having it structured inside super versus not? Or okay. Cool. So we'll start at the beginning and go from there. So life insurance, as you know, pays out if you were to pass away or if you're actually diagnosed as permanently disabled sorry. Permanently ill. The benefit essentially is payable to your estate. Now if you structure life insurance to be paid for personally by you, which means you are both the life insured and the beneficial owner of the policy, there's no tax deductibility for it being paid for by yourself, and the premium actually ends up being a little bit more expensive. Now the benefits of paying for it by yourself is that you can actually leave the benefit to anyone you want, and you're not restricted to, under a superannuation beneficial owner, the restrictions of the fifth regulation or the fifth act, which is where you have to nominate either a spouse or children or a financial dependent. I'm assuming we're probably leaving the benefit to our kids. I know like, I know they're grown, but is that sort of who the benefit would be going to in the event that's happened to you? Yep. So, essentially speaking, if if it's paid for by your superannuation fund, the life policy, the benefits are that it's 15% cheaper than if you pay for it personally. The only, I guess all through the super cool. That's okay. Alright. So life endurance, that's how that sort of works. Total permanent disability, there's a couple of different ways that we can structure it. It. Even, like, being paid for by your super fund, absolutely. That's easy enough. It's just a matter of I guess there's three kind of definitions that your the TPD can be structured through. Now realistically and generally, it is the middle of the run definition that everyone is covered by, and that's what's called an any occupation definition. So it means if you're unable to do any occupation in which you're trained, qualified, or have experience in, that's where the policy would pay out. Now the other definition, which is the lesser definition, which is generally not something I ever like writing for my clients and probably not gonna be something that's going to restrict you or or or sort of come into play for yourself, is what's called activities of daily living or it's called loss of independence. So it's where basically you you have to lose lose your independence in being able to do activities of of your daily life to be able to to be able to to sort of take on that policy or or take on that claim, I should say. Now the higher definition for PPD cup is what's called an own occupation definition. Now to get an own occupation definition, generally, you have to pay for some of the premium out of pocket. But what it means is that if you're unable to do your own occupation, then the policy will pay out irrespective of whether you can go back to work and do any other job. Now you're a plant operator to find knowledge, like, in the mine mine sector. Is that still the case? Okay. Cool. Excellent. I did have I did have notes when I was looking at your file that that there was sort of maybe indication that you might have gone to support work. I just wasn't a 100%. So cool. No. That's okay. So so with support work, generally speaking, because of the manual labor that comes from it, you're probably more leaning towards an any occupation definition, which is which is basically the cover that any insurer would kind of offer. Now what is, I guess, the income that you're on with with your with your job occupation? Oh, what yeah. What yeah. What's your income at the moment? No. My my records kind of ceased a couple years ago. Is that net or gross? 1,500 a week. Okay. So net 1,500. Alright. So we'll we'll be looking well over a 100 thousand for the year then. Cool. I I can I can sort of run off that for now, and I can always send you an email at the end of our phone call when you get home and you're able to look it up? And you can try to flick through an email with, like, confirmation of your income for the year, gross preferably rather than net. But if it is net, then I'm more than happy to I can gross it up. That's easy enough. Now income protection cover covers you if you are ill, injured, unable to work. The whole point of it is it's a short term benefit, so it gives you cover in the event that you cannot attend work. And there's a waiting period that you have to serve out. So if you get a cold, generally, it's not something that's gonna cover you for the week or two that, you know, you've got a cold. You know, I'm sure you can hear me at the moment and the delicious husky voice. Oh, bless. One of my children brought home something, and I'm I'm rocking a solid head cold this week. But anyway no. That's okay. So, yeah, the the the income protection basically is there to generally give you a benefit. The waiting periods are sort of thirty, fifty, ninety days. So what mean what that means is you have to sort out the waiting period and then the benefit pays you at the end of the following month. So on a thirty day waiting period, you're not generally gonna see a benefit paid to you until day 60. On a 60 day waiting period, it's day 90. On a ninety day, it's, like, day a 120. Now with your job, do you have sick leave, long service leave, annual leave accrued? Okay. So in other words, we're probably gonna be looking at the shortest possible waiting period possible, which I can have a look because there are some providers that offer a twenty one day, forty and a fourteen day waiting period. So I'll have a look and see whether there's any that offer within your occupation and what we can get there to ensure that we can get money coming in as quickly as possible if anything happens. Now I guess aside from that, with regards to the benefit amounts that we need, income protection can cover up to 70 percent as a base of your income. So for example, if you earn a 100,000 dollars, the policy can pay you 70 thousand dollars. The whole reason for that is that you can never be better off underclaim what you are working because the whole point is to try and get you back to work. Now with Incon Protection, there are options that we can sort of boost the benefit. So rather than 70 percent, we can apply for sort of things up to that 80 five percent at least for the first six months of any claim. And therefore, like, an additional option that you could put onto the policy. Is that something that you wanna look at from an option point of view, obviously, pending price for the the product? So I'll run some comparisons and have a look at what that fits what that sits like there. Outside of that, I guess, the life and TPD, you said that TPD was probably something you were gonna need more of than what life was. Generally speaking, when TPD is written, you can write it in two different ways. You can write them as joint, which means if you claim out on TPD, it cancels the life policy. It means that the TPD policy is actually a lot cheaper, or you can write it as a stand alone policy. If you write total purpose as a stand alone, it generally ends up being about twice as much as what it is if it's a write off. I'll I'll have a look at how I can structure the policy. And once I've written up the kinda quote things out and have a look at some of the different providers to sort of structure it under, I can kind of explain how and why if we structure something one way, it'll work out a different way. But I'll have a look and break down the providers before we kinda jump into the nitty gritty. Now I did need to sort of go through and, I guess, do a bit of a fact find with you, and that's just kind of establish what what you're gonna need for cover amounts. Now, I guess, for the life insurance, did you wanna did you have, like, a specific amount that you wanna leave the kids, or is it just, realistically, you don't actually want life insurance? But if it makes your TPD cheaper, then you'll have it, but it's not an important insurance benefit for you. Yep. I think from when I looked at your file, the life insurance policy was previously written to pretty much, they cover the mortgage that you had on the house at the time. So it meant that, essentially, your life insurance cleared out the mortgage debt, which meant that the house became the house basically became the the life insurance benefit, essentially. So it was sort of like your house at the time was valued at about $420,000. So that made, you know if they sold the house, they'd be sort of, you know after all the sales cost and everything, just under 400,000 that the the kids would sort of split. 110,000. And 10,000 link? Cool. Yeah. So do you wanna structure it sort of same way? Okay. How's how's that if I can sort of ask? So you only you are $2.20 Okay. That's okay. So do you wanna look at, say, 200,000 to just wipe out the entirety of the debt? Yeah. Okay. And then Generally speaking, insurers look at lump sum amount at the at the 250,000. So 250, $507.50 a mil, $1.251.0.5, and then, generally, it's 2 mil from there. So that's where they sort of give lump sum discounts based on amounts insured. So generally speaking, the difference between, say, 200 to $2.50 is quite minimal. Whereas if you write, say, 300,000, it's not as good as what $2,250,000 is. But it's sort of dependent on what you need. So I'll look at 200,000 to wipe the debt or $2.20 to wipe the debt, and then I'll also look at obviously $2.50. So and then TPD. Yeah. Yeah. So life insurance, like, the life insurance policy pays out if you die or if you're diagnosed as terminal, so terminally ill. Yeah. Yeah. So, basically, if you were diagnosed as terminally ill so for example, and I guess this is the lead like, the most recent case I've gone through, I had a client that was diagnosed with stage four cancer. He had an insurance benefit called critical illness or trauma cover. I will touch base and explain what that does in a second. But he got paid out three 100 thousand dollars under that policy based on his diagnosis. He then claimed income protection, which meant he could stop working, and he got a benefit coming in regularly. And because of his stage four diagnosis, he was actually given about twelve months to live. He was paid out his life insurance benefit, which at the time was about half 1,000,000 dollars, plus his super fund, which was about $250,000 at the time. So all in all, he walked away with a very cool million between all the benefits plus an ongoing income protection benefit. Prior to his death in December, he bought his wife a house, got hold got her all set up, and then unfortunately passed just before Christmas. Quite tragic, but that's sort of, I guess, how all of the policies can interact with each other where because he as tragic as it sounds. Well, because no. No. I know. I I deal with it all the time, and sometimes clients and and my like, even my staff and colleagues sit around, and they and they're like, you're so harsh when you talk about it. I'm like, well, when you see the claim side of things all the time, it's it's just it is as as it is. Yeah. And, hey, it doesn't mean I'm heartless. I cried when his wife called me to tell me he he he'd passed. So, you know, he'd kill on the other side too. Yeah. So that's obviously one one diagnosis, one case, one one avenue. The I guess the cool thing with with terminal illness is that, a, you can plan a little bit more. The one thing a lawyer has always told me is tell me tell me the day before you die, and I can put you in the best position possible. Very much same goes for financial planning. If if we we have a a known expiration date, we can definitely plan in the best tax position possible. And that's sort of where things kinda come in because when it comes to life insurance, if it goes to your kid through your super fund, your children are non tax dependent, which means they will pay tax on the benefit, which is the frustrating part. If your diagnosis is terminally ill, the benefit goes to you tax free. Irrespective of what age you are, benefit is releasable to you tax free, which is, I guess, the benefit on that side. Now with TPD insurance, that's probably the benefit that we do need to make sure that we increase a little bit and why your TPD insurance is gonna be more than what your life insurance is. Because realistically speaking, if you're totally internally disabled, we need to make sure the house is covered. Mortgage repayments are done, but then, realistically, we need to make sure that you have longevity income to support you. That's the reason we can do this. We can make sure we just cover the mortgage, and then your income protection policy tell you all the way through to your 65 years old. That is going to be very expensive. The other avenue is is we just write a TPD policy that realistically covers your expenses minus your mortgage repayment until you're 65 and or an age designated by you. Now last record I had was that you were looking to retire around 60 five to 60 seven. Is that still the go? Okay. No. That that's that's okay. We we can sort of go with 60 seven as as a rough agent now, and I can, again, quote it up. We can always play with it. Sixty seven. Six seven. Yep. I know. I know. But I can go with that. The only thing I think I need to know is how much you actually pay in mortgage repayments each cycle, weeks, months, whatever, however you pay it. 6 weekly. Cool. Alright. So 6 weekly out of the 15 100 that we earn. So we still have about nine $100 in money that is not tied up with the mortgage per week that we need to make sure we cover. Oh, okay. Right. This is what you were referencing. So are you not living in the house or you're Okay. And then we have borders that cool. And that covers the mortgage. Okay. So do we not so we we still need to cover the 15 100 that you're earning then? Because, realistically, you're not paying the mortgage repayments that's being covered by the borders within the house. And irrespective of you like, if you were to if you were to pay out the mortgage, you'd still need the 15 $100 a week that you earn because the mortgage repayments is earnings on top of that. Yeah. That's no. That's okay. Cool. Alright. That that explains a little bit more as to what you were sort of referencing on that side. Okay. Alright. No. That's okay. Alright. So I can make sure we replace it replace 1,500 a a week or that ends up being 70 8,000 dollars a year. Yeah. Yeah. Whatever it ends up being once you sort of have a look and email me. Oh, that's that's a net anyway, but yeah. I'll send you an email for for details because one of the things I will need to know, while I'm not giving advice on your super fund, I do just need a a quick snapshot of where your superannuation balance sits just so I can make sure that I'm doing my due diligence in terms of the funds being able to support the premium. Because if I ever got audited by ASIC and or hadn't considered the fact that, hey. I'm paying for insurance premiums from a fund that I'd never even looked at, I'd get hold over the call polls. So I I just need to know that the funds can support these premiums long term and that I'm not going to, you know, put you in jeopardy of going broke and and or not being able to pay for it. Yes. No. That's okay. No. That's absolutely not that's that's absolutely fine. It can be invested however, like, you're you're choosing to invest it just so long as, I guess I just need to know sort of, I guess, what the balance is. So you would have, I guess, the the last report that you did for the SMSF fund. Just literally a a a provide. Yeah. Absolutely. If you have either the last payslip for the financial year or if you've done your you've completed your tax returns, you can send that through either either way. And and I'll just use that to be able to base the income protection premium income protection benefit amounts and use that as a multiplier to deal with the the the TPD portion as well. Cool. Alright. Well, I've got a decent basis of everything on where we're going from here. So what I'll do is I'll send you an email this afternoon, get a get all those documents from you, and then I'll quote everything up, have a look at the rundown on things, and and go from there. Realistically speaking, I should be able to get everything turned around within a couple of weeks post you sending those documents. So if you're able to get it back to me over the weekend, if you want, I can just schedule a meeting for two weeks from today. Does that work for you? Cool. Alright. Well, I'll I'll just send you a calendar invite for two weeks from today so that way it's booked in. And I'll look you the email once we get off the phone. Alright. Cool. I will let you go and finish your drive, and we will talk soon. Well, I'm glad I was able to sort of help out with some of it. Trust me. That's that's my go to as well. I think I absolutely detest the drive to and from work. My poor husband hears from me constantly, and if it's on my husband, I think my sisters, mother, everyone else under the sun. Yep. Yeah. Yep. Yeah. I'm enjoying lifetime by lifetime. No. Shut off from the world and just exist. Absolutely. I wish I could do it more often. Work on the Gold Coast, but I Live halfway in Goldie in Brisbane because my other half works in Brisbane. Yeah. Yes. Yeah. So Thursday, Friday, we work from home. So the my husband's on kid duty for the afternoon, and then him and I tap tap out and swap over at 05:00. And I log off from work and take over the kids, and he jumps back on and keeps working for the afternoon. Yeah. It worked out nicely. Yeah. Well, Monday to Wednesday, I generally work stupid hours, so I don't get to see the kids much. Pretty much. Nearly. I'm gonna get started on your and then, yeah, it'll be dinner run, Taekwondo, and because it's Gold Coast show day this tomorrow. It's a day off, so easy. You there, Rachel? Oh, there you are. No. No. Just drop it out for a second. Perfect. Perfect. We will. Thanks, Jonathan. Have a good one. 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Hello? Oh, cool. I was just trying to email her for a perfect time. Okay.\n\nCool. Thank you. Hi, Rachel. Lavista here. How are you going?\n\nNo. That's okay. I was just sending you an email as well just to cover all my bases. I even was even sort of sitting on the the Google Meet because I knew Connor set set the meeting up a Google Meet link as well. So I sort of hit all the bases to try and make sure I could connect with you.\n\nNo. You're okay. Look. So long as it sounds like you're you're hands free, I'm more than happy to have a conversation with you anyway to just kind of cover off everything that we need to cover off. So I've I've had a look at your, like, your file history because, obviously, you were kind of Oak Financial and just trying to sort of, I guess, establish where things were previously and kinda go from there.\n\nBut realistically speaking, essentially, it's kind of a, I guess, a bit of a clean slate. So wanting to look at everything with a fresh set of eyes and kind of build from there. So Yeah. Yep. Well, the good thing is is that, like, we can set it up to pay from your SMSF straight off the bat.\n\nSo, you know, nothing hidden. Nothing need to be changed from there. I so I guess the the the the probably is the thing that we need to start off with, first and foremost, is me, I guess, trying to get a clear understanding as to where you sit now with, I guess, your debts, your liabilities, what you won't cover for, and where I think like, where where your personal situation lies. Yep. No.\n\nThat's okay. Okay. So we want sort of, I guess Yeah. Yeah. Yeah.\n\nI'm here. So I guess that's but we want live TV IP. So that's nice and easy on that front. I guess the I guess the the the clear part that I need to sort of know is what, I guess, cover amounts you want or what you're wanting. Like, do you have an idea as to what you want cover amount wise or or how you want it structured?\n\nOr do you want me to kinda go through reexplain like, explain how everything fits, benefits of having it structured inside super versus not? Or okay. Cool. So we'll start at the beginning and go from there. So life insurance, as you know, pays out if you were to pass away or if you're actually diagnosed as permanently disabled sorry.\n\nPermanently ill. The benefit essentially is payable to your estate. Now if you structure life insurance to be paid for personally by you, which means you are both the life insured and the beneficial owner of the policy, there's no tax deductibility for it being paid for by yourself, and the premium actually ends up being a little bit more expensive. Now the benefits of paying for it by yourself is that you can actually leave the benefit to anyone you want, and you're not restricted to, under a superannuation beneficial owner, the restrictions of the fifth regulation or the fifth act, which is where you have to nominate either a spouse or children or a financial dependent. I'm assuming we're probably leaving the benefit to our kids.\n\nI know like, I know they're grown, but is that sort of who the benefit would be going to in the event that's happened to you? Yep. So, essentially speaking, if if it's paid for by your superannuation fund, the life policy, the benefits are that it's 15% cheaper than if you pay for it personally. The only, I guess all through the super cool. That's okay.\n\nAlright. So life endurance, that's how that sort of works. Total permanent disability, there's a couple of different ways that we can structure it. It. Even, like, being paid for by your super fund, absolutely.\n\nThat's easy enough. It's just a matter of I guess there's three kind of definitions that your the TPD can be structured through. Now realistically and generally, it is the middle of the run definition that everyone is covered by, and that's what's called an any occupation definition. So it means if you're unable to do any occupation in which you're trained, qualified, or have experience in, that's where the policy would pay out. Now the other definition, which is the lesser definition, which is generally not something I ever like writing for my clients and probably not gonna be something that's going to restrict you or or or sort of come into play for yourself, is what's called activities of daily living or it's called loss of independence.\n\nSo it's where basically you you have to lose lose your independence in being able to do activities of of your daily life to be able to to be able to to sort of take on that policy or or take on that claim, I should say. Now the higher definition for PPD cup is what's called an own occupation definition. Now to get an own occupation definition, generally, you have to pay for some of the premium out of pocket. But what it means is that if you're unable to do your own occupation, then the policy will pay out irrespective of whether you can go back to work and do any other job. Now you're a plant operator to find knowledge, like, in the mine mine sector.\n\nIs that still the case? Okay. Cool. Excellent. I did have I did have notes when I was looking at your file that that there was sort of maybe indication that you might have gone to support work.\n\nI just wasn't a 100%. So cool. No. That's okay. So so with support work, generally speaking, because of the manual labor that comes from it, you're probably more leaning towards an any occupation definition, which is which is basically the cover that any insurer would kind of offer.\n\nNow what is, I guess, the income that you're on with with your with your job occupation? Oh, what yeah. What yeah. What's your income at the moment? No.\n\nMy my records kind of ceased a couple years ago. Is that net or gross? 1,500 a week. Okay. So net 1,500.\n\nAlright. So we'll we'll be looking well over a 100 thousand for the year then. Cool. I I can I can sort of run off that for now, and I can always send you an email at the end of our phone call when you get home and you're able to look it up? And you can try to flick through an email with, like, confirmation of your income for the year, gross preferably rather than net.\n\nBut if it is net, then I'm more than happy to I can gross it up. That's easy enough. Now income protection cover covers you if you are ill, injured, unable to work. The whole point of it is it's a short term benefit, so it gives you cover in the event that you cannot attend work. And there's a waiting period that you have to serve out.\n\nSo if you get a cold, generally, it's not something that's gonna cover you for the week or two that, you know, you've got a cold. You know, I'm sure you can hear me at the moment and the delicious husky voice. Oh, bless. One of my children brought home something, and I'm I'm rocking a solid head cold this week. But anyway no.\n\nThat's okay. So, yeah, the the the income protection basically is there to generally give you a benefit. The waiting periods are sort of thirty, fifty, ninety days. So what mean what that means is you have to sort out the waiting period and then the benefit pays you at the end of the following month. So on a thirty day waiting period, you're not generally gonna see a benefit paid to you until day 60.\n\nOn a 60 day waiting period, it's day 90. On a ninety day, it's, like, day a 120. Now with your job, do you have sick leave, long service leave, annual leave accrued? Okay. So in other words, we're probably gonna be looking at the shortest possible waiting period possible, which I can have a look because there are some providers that offer a twenty one day, forty and a fourteen day waiting period.\n\nSo I'll have a look and see whether there's any that offer within your occupation and what we can get there to ensure that we can get money coming in as quickly as possible if anything happens. Now I guess aside from that, with regards to the benefit amounts that we need, income protection can cover up to 70 percent as a base of your income. So for example, if you earn a 100,000 dollars, the policy can pay you 70 thousand dollars. The whole reason for that is that you can never be better off underclaim what you are working because the whole point is to try and get you back to work. Now with Incon Protection, there are options that we can sort of boost the benefit.\n\nSo rather than 70 percent, we can apply for sort of things up to that 80 five percent at least for the first six months of any claim. And therefore, like, an additional option that you could put onto the policy. Is that something that you wanna look at from an option point of view, obviously, pending price for the the product? So I'll run some comparisons and have a look at what that fits what that sits like there. Outside of that, I guess, the life and TPD, you said that TPD was probably something you were gonna need more of than what life was.\n\nGenerally speaking, when TPD is written, you can write it in two different ways. You can write them as joint, which means if you claim out on TPD, it cancels the life policy. It means that the TPD policy is actually a lot cheaper, or you can write it as a stand alone policy. If you write total purpose as a stand alone, it generally ends up being about twice as much as what it is if it's a write off. I'll I'll have a look at how I can structure the policy.\n\nAnd once I've written up the kinda quote things out and have a look at some of the different providers to sort of structure it under, I can kind of explain how and why if we structure something one way, it'll work out a different way. But I'll have a look and break down the providers before we kinda jump into the nitty gritty. Now I did need to sort of go through and, I guess, do a bit of a fact find with you, and that's just kind of establish what what you're gonna need for cover amounts. Now, I guess, for the life insurance, did you wanna did you have, like, a specific amount that you wanna leave the kids, or is it just, realistically, you don't actually want life insurance? But if it makes your TPD cheaper, then you'll have it, but it's not an important insurance benefit for you.\n\nYep. I think from when I looked at your file, the life insurance policy was previously written to pretty much, they cover the mortgage that you had on the house at the time. So it meant that, essentially, your life insurance cleared out the mortgage debt, which meant that the house became the house basically became the the life insurance benefit, essentially. So it was sort of like your house at the time was valued at about $420,000. So that made, you know if they sold the house, they'd be sort of, you know after all the sales cost and everything, just under 400,000 that the the kids would sort of split.\n\n110,000. And 10,000 link? Cool. Yeah. So do you wanna structure it sort of same way?\n\nOkay. How's how's that if I can sort of ask? So you only you are $2.20 Okay. That's okay. So do you wanna look at, say, 200,000 to just wipe out the entirety of the debt?\n\nYeah. Okay. And then Generally speaking, insurers look at lump sum amount at the at the 250,000. So 250, $507.50 a mil, $1.251.0.5, and then, generally, it's 2 mil from there. So that's where they sort of give lump sum discounts based on amounts insured.\n\nSo generally speaking, the difference between, say, 200 to $2.50 is quite minimal. Whereas if you write, say, 300,000, it's not as good as what $2,250,000 is. But it's sort of dependent on what you need. So I'll look at 200,000 to wipe the debt or $2.20 to wipe the debt, and then I'll also look at obviously $2.50. So and then TPD.\n\nYeah. Yeah. So life insurance, like, the life insurance policy pays out if you die or if you're diagnosed as terminal, so terminally ill. Yeah. Yeah.\n\nSo, basically, if you were diagnosed as terminally ill so for example, and I guess this is the lead like, the most recent case I've gone through, I had a client that was diagnosed with stage four cancer. He had an insurance benefit called critical illness or trauma cover. I will touch base and explain what that does in a second. But he got paid out three 100 thousand dollars under that policy based on his diagnosis. He then claimed income protection, which meant he could stop working, and he got a benefit coming in regularly.\n\nAnd because of his stage four diagnosis, he was actually given about twelve months to live. He was paid out his life insurance benefit, which at the time was about half 1,000,000 dollars, plus his super fund, which was about $250,000 at the time. So all in all, he walked away with a very cool million between all the benefits plus an ongoing income protection benefit. Prior to his death in December, he bought his wife a house, got hold got her all set up, and then unfortunately passed just before Christmas. Quite tragic, but that's sort of, I guess, how all of the policies can interact with each other where because he as tragic as it sounds.\n\nWell, because no. No. I know. I I deal with it all the time, and sometimes clients and and my like, even my staff and colleagues sit around, and they and they're like, you're so harsh when you talk about it. I'm like, well, when you see the claim side of things all the time, it's it's just it is as as it is.\n\nYeah. And, hey, it doesn't mean I'm heartless. I cried when his wife called me to tell me he he he'd passed. So, you know, he'd kill on the other side too. Yeah.\n\nSo that's obviously one one diagnosis, one case, one one avenue. The I guess the cool thing with with terminal illness is that, a, you can plan a little bit more. The one thing a lawyer has always told me is tell me tell me the day before you die, and I can put you in the best position possible. Very much same goes for financial planning. If if we we have a a known expiration date, we can definitely plan in the best tax position possible.\n\nAnd that's sort of where things kinda come in because when it comes to life insurance, if it goes to your kid through your super fund, your children are non tax dependent, which means they will pay tax on the benefit, which is the frustrating part. If your diagnosis is terminally ill, the benefit goes to you tax free. Irrespective of what age you are, benefit is releasable to you tax free, which is, I guess, the benefit on that side. Now with TPD insurance, that's probably the benefit that we do need to make sure that we increase a little bit and why your TPD insurance is gonna be more than what your life insurance is. Because realistically speaking, if you're totally internally disabled, we need to make sure the house is covered.\n\nMortgage repayments are done, but then, realistically, we need to make sure that you have longevity income to support you. That's the reason we can do this. We can make sure we just cover the mortgage, and then your income protection policy tell you all the way through to your 65 years old. That is going to be very expensive. The other avenue is is we just write a TPD policy that realistically covers your expenses minus your mortgage repayment until you're 65 and or an age designated by you.\n\nNow last record I had was that you were looking to retire around 60 five to 60 seven. Is that still the go? Okay. No. That that's that's okay.\n\nWe we can sort of go with 60 seven as as a rough agent now, and I can, again, quote it up. We can always play with it. Sixty seven. Six seven. Yep.\n\nI know. I know. But I can go with that. The only thing I think I need to know is how much you actually pay in mortgage repayments each cycle, weeks, months, whatever, however you pay it. 6 weekly.\n\nCool. Alright. So 6 weekly out of the 15 100 that we earn. So we still have about nine $100 in money that is not tied up with the mortgage per week that we need to make sure we cover. Oh, okay.\n\nRight. This is what you were referencing. So are you not living in the house or you're Okay. And then we have borders that cool. And that covers the mortgage.\n\nOkay. So do we not so we we still need to cover the 15 100 that you're earning then? Because, realistically, you're not paying the mortgage repayments that's being covered by the borders within the house. And irrespective of you like, if you were to if you were to pay out the mortgage, you'd still need the 15 $100 a week that you earn because the mortgage repayments is earnings on top of that. Yeah.\n\nThat's no. That's okay. Cool. Alright. That that explains a little bit more as to what you were sort of referencing on that side.\n\nOkay. Alright. No. That's okay. Alright.\n\nSo I can make sure we replace it replace 1,500 a a week or that ends up being 70 8,000 dollars a year. Yeah. Yeah. Whatever it ends up being once you sort of have a look and email me. Oh, that's that's a net anyway, but yeah.\n\nI'll send you an email for for details because one of the things I will need to know, while I'm not giving advice on your super fund, I do just need a a quick snapshot of where your superannuation balance sits just so I can make sure that I'm doing my due diligence in terms of the funds being able to support the premium. Because if I ever got audited by ASIC and or hadn't considered the fact that, hey. I'm paying for insurance premiums from a fund that I'd never even looked at, I'd get hold over the call polls. So I I just need to know that the funds can support these premiums long term and that I'm not going to, you know, put you in jeopardy of going broke and and or not being able to pay for it. Yes.\n\nNo. That's okay. No. That's absolutely not that's that's absolutely fine. It can be invested however, like, you're you're choosing to invest it just so long as, I guess I just need to know sort of, I guess, what the balance is.\n\nSo you would have, I guess, the the last report that you did for the SMSF fund. Just literally a a a provide. Yeah. Absolutely. If you have either the last payslip for the financial year or if you've done your you've completed your tax returns, you can send that through either either way.\n\nAnd and I'll just use that to be able to base the income protection premium income protection benefit amounts and use that as a multiplier to deal with the the the TPD portion as well. Cool. Alright. Well, I've got a decent basis of everything on where we're going from here. So what I'll do is I'll send you an email this afternoon, get a get all those documents from you, and then I'll quote everything up, have a look at the rundown on things, and and go from there.\n\nRealistically speaking, I should be able to get everything turned around within a couple of weeks post you sending those documents. So if you're able to get it back to me over the weekend, if you want, I can just schedule a meeting for two weeks from today. Does that work for you? Cool. Alright.\n\nWell, I'll I'll just send you a calendar invite for two weeks from today so that way it's booked in. And I'll look you the email once we get off the phone. Alright. Cool. I will let you go and finish your drive, and we will talk soon.\n\nWell, I'm glad I was able to sort of help out with some of it. Trust me. That's that's my go to as well. I think I absolutely detest the drive to and from work. My poor husband hears from me constantly, and if it's on my husband, I think my sisters, mother, everyone else under the sun.\n\nYep. Yeah. Yep. Yeah. I'm enjoying lifetime by lifetime.\n\nNo. Shut off from the world and just exist. Absolutely. I wish I could do it more often. Work on the Gold Coast, but I Live halfway in Goldie in Brisbane because my other half works in Brisbane.\n\nYeah. Yes. Yeah. So Thursday, Friday, we work from home. So the my husband's on kid duty for the afternoon, and then him and I tap tap out and swap over at 05:00.\n\nAnd I log off from work and take over the kids, and he jumps back on and keeps working for the afternoon. Yeah. It worked out nicely. Yeah. Well, Monday to Wednesday, I generally work stupid hours, so I don't get to see the kids much.\n\nPretty much. Nearly. I'm gonna get started on your and then, yeah, it'll be dinner run, Taekwondo, and because it's Gold Coast show day this tomorrow. It's a day off, so easy. You there, Rachel?\n\nOh, there you are. No. No. Just drop it out for a second. Perfect.\n\nPerfect. We will. Thanks, Jonathan. Have a good one. Bye.","paragraphs":[{"sentences":[{"text":"Good.","start":2.8,"end":3.3,"sentiment":"positive","sentiment_score":0.4133514761924744},{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.16627372801303864},{"text":"Oh, cool.","start":8.16,"end":8.88,"sentiment":"positive","sentiment_score":0.6036273837089539},{"text":"I was just trying to email her for a perfect time.","start":8.88,"end":11.78,"sentiment":"positive","sentiment_score":0.4698523093353618},{"text":"Okay.","start":18.495,"end":18.815,"sentiment":"neutral","sentiment_score":0.3303712010383606}],"sentiment":"positive","sentiment_score":0.4553516609594226,"num_words":16,"start":2.8,"end":18.815},{"sentences":[{"text":"Cool.","start":18.815,"end":19.215,"sentiment":"positive","sentiment_score":0.5188559889793396},{"text":"Thank you.","start":19.215,"end":20.035,"sentiment":"positive","sentiment_score":0.6485568583011627},{"text":"Hi, Rachel.","start":26.07,"end":26.95,"sentiment":"neutral","sentiment_score":0.16806332021951675},{"text":"Lavista here.","start":26.95,"end":27.67,"sentiment":"neutral","sentiment_score":0.16950424015522003},{"text":"How are you going?","start":27.67,"end":28.57,"sentiment":"neutral","sentiment_score":0.21004949882626534}],"sentiment":"neutral","sentiment_score":0.30284571105783636,"num_words":11,"start":18.815,"end":28.57},{"sentences":[{"text":"No.","start":32.47,"end":32.71,"sentiment":"neutral","sentiment_score":-0.026973631232976913},{"text":"That's okay.","start":32.71,"end":33.27,"sentiment":"neutral","sentiment_score":0.1280130185186863},{"text":"I was just sending you an email as well just to cover all my bases.","start":33.27,"end":38.09,"sentiment":"neutral","sentiment_score":0.26962411403656006},{"text":"I even was even sort of sitting on the the Google Meet because I knew Connor set set the meeting up a Google Meet link as well.","start":38.645,"end":46.405,"sentiment":"neutral","sentiment_score":0.1738636835857674},{"text":"So I sort of hit all the bases to try and make sure I could connect with you.","start":46.405,"end":51.385,"sentiment":"neutral","sentiment_score":0.18824675637814733}],"sentiment":"neutral","sentiment_score":0.19612976488849473,"num_words":63,"start":32.47,"end":51.385},{"sentences":[{"text":"No.","start":61.079998,"end":61.48,"sentiment":"neutral","sentiment_score":-0.06261693686246872},{"text":"You're okay.","start":61.48,"end":62.04,"sentiment":"neutral","sentiment_score":-0.008916459977626799},{"text":"Look.","start":62.04,"end":62.28,"sentiment":"neutral","sentiment_score":0.04577428102493286},{"text":"So long as it sounds like you're you're hands free, I'm more than happy to have a conversation with you anyway to just kind of cover off everything that we need to cover off.","start":62.28,"end":72.494995,"sentiment":"neutral","sentiment_score":0.1269576087155763},{"text":"So I've I've had a look at your, like, your file history because, obviously, you were kind of Oak Financial and just trying to sort of, I guess, establish where things were previously and kinda go from there.","start":72.875,"end":87.97,"sentiment":"neutral","sentiment_score":0.01218793301009818}],"sentiment":"neutral","sentiment_score":0.062434533880533355,"num_words":76,"start":61.079998,"end":87.97},{"sentences":[{"text":"But realistically speaking, essentially, it's kind of a, I guess, a bit of a clean slate.","start":87.97,"end":93.825,"sentiment":"neutral","sentiment_score":-0.0035988939343951643},{"text":"So wanting to look at everything with a fresh set of eyes and kind of build from there.","start":94.704994,"end":101.585,"sentiment":"neutral","sentiment_score":0.004123185088651048},{"text":"So Yeah.","start":101.585,"end":112.58,"sentiment":"neutral","sentiment_score":-0.04909190721809864},{"text":"Yep.","start":119.200005,"end":119.700005,"sentiment":"negative","sentiment_score":-0.47357213497161865},{"text":"Well, the good thing is is that, like, we can set it up to pay from your SMSF straight off the bat.","start":128.525,"end":134.065,"sentiment":"positive","sentiment_score":0.35234150087291544}],"sentiment":"neutral","sentiment_score":0.1219727474312156,"num_words":59,"start":87.97,"end":134.065},{"sentences":[{"text":"So, you know, nothing hidden.","start":135.89,"end":137.56999,"sentiment":"neutral","sentiment_score":0.06481466367840767},{"text":"Nothing need to be changed from there.","start":137.56999,"end":139.43,"sentiment":"neutral","sentiment_score":-0.05733941122889519},{"text":"I so I guess the the the the probably is the thing that we need to start off with, first and foremost, is me, I guess, trying to get a clear understanding as to where you sit now with, I guess, your debts, your liabilities, what you won't cover for, and where I think like, where where your personal situation lies.","start":140.29,"end":159.095,"sentiment":"neutral","sentiment_score":-0.025187383787553818},{"text":"Yep.","start":167.49,"end":167.99,"sentiment":"neutral","sentiment_score":-0.004906982183456421},{"text":"No.","start":181.395,"end":181.475,"sentiment":"neutral","sentiment_score":-0.061090610921382904}],"sentiment":"neutral","sentiment_score":-0.022396407524744668,"num_words":75,"start":135.89,"end":181.475},{"sentences":[{"text":"That's okay.","start":181.475,"end":182.295,"sentiment":"neutral","sentiment_score":0.0016099736094474792},{"text":"Okay.","start":185.315,"end":185.815,"sentiment":"neutral","sentiment_score":0.01963309943675995},{"text":"So we want sort of, I guess Yeah.","start":186.035,"end":188.35501,"sentiment":"neutral","sentiment_score":0.0036881396081298585},{"text":"Yeah.","start":188.35501,"end":188.595,"sentiment":"neutral","sentiment_score":0.0337243378162384},{"text":"Yeah.","start":188.595,"end":188.835,"sentiment":"neutral","sentiment_score":0.05140765756368637}],"sentiment":"neutral","sentiment_score":0.01057616606927835,"num_words":13,"start":181.475,"end":188.835},{"sentences":[{"text":"I'm here.","start":188.835,"end":189.48,"sentiment":"neutral","sentiment_score":0.05797087773680687},{"text":"So I guess that's but we want live TV IP.","start":190.2,"end":193.01999,"sentiment":"neutral","sentiment_score":0.2083817183971405},{"text":"So that's nice and easy on that front.","start":195.79999,"end":201.5,"sentiment":"positive","sentiment_score":0.561066921800375},{"text":"I guess the I guess the the the clear part that I need to sort of know is what, I guess, cover amounts you want or what you're wanting.","start":202.735,"end":212.435,"sentiment":"neutral","sentiment_score":0.0702337112663121},{"text":"Like, do you have an idea as to what you want cover amount wise or or how you want it structured?","start":212.89499,"end":220.42,"sentiment":"neutral","sentiment_score":0.03805573621676082}],"sentiment":"neutral","sentiment_score":0.13606060573032924,"num_words":70,"start":188.835,"end":220.42},{"sentences":[{"text":"Or do you want me to kinda go through reexplain like, explain how everything fits, benefits of having it structured inside super versus not?","start":220.42,"end":229.14,"sentiment":"neutral","sentiment_score":0.047668372319700815},{"text":"Or okay.","start":229.14,"end":232.625,"sentiment":"neutral","sentiment_score":0.02730446308851242},{"text":"Cool.","start":232.625,"end":233.125,"sentiment":"neutral","sentiment_score":0.0890713557600975},{"text":"So we'll start at the beginning and go from there.","start":233.265,"end":237.765,"sentiment":"neutral","sentiment_score":0.10012791231274605},{"text":"So life insurance, as you know, pays out if you were to pass away or if you're actually diagnosed as permanently disabled sorry.","start":238.94499,"end":247.67,"sentiment":"neutral","sentiment_score":0.0317922032073788}],"sentiment":"neutral","sentiment_score":0.050337016908451916,"num_words":60,"start":220.42,"end":247.67},{"sentences":[{"text":"Permanently ill.","start":248.20999,"end":249.34999,"sentiment":"neutral","sentiment_score":-0.18932725489139557},{"text":"The benefit essentially is payable to your estate.","start":250.93,"end":253.43,"sentiment":"neutral","sentiment_score":-0.018000418320298195},{"text":"Now if you structure life insurance to be paid for personally by you, which means you are both the life insured and the beneficial owner of the policy, there's no tax deductibility for it being paid for by yourself, and the premium actually ends up being a little bit more expensive.","start":254.76999,"end":275.63998,"sentiment":"neutral","sentiment_score":0.012669875779572655},{"text":"Now the benefits of paying for it by yourself is that you can actually leave the benefit to anyone you want, and you're not restricted to, under a superannuation beneficial owner, the restrictions of the fifth regulation or the fifth act, which is where you have to nominate either a spouse or children or a financial dependent.","start":275.63998,"end":298.155,"sentiment":"neutral","sentiment_score":0.31269409965004835},{"text":"I'm assuming we're probably leaving the benefit to our kids.","start":299.01498,"end":303.0,"sentiment":"neutral","sentiment_score":0.13686932846903802}],"sentiment":"neutral","sentiment_score":0.15090439666528255,"num_words":128,"start":248.20999,"end":303.0},{"sentences":[{"text":"I know like, I know they're grown, but is that sort of who the benefit would be going to in the event that's happened to you?","start":303.0,"end":310.94,"sentiment":"neutral","sentiment_score":0.08639260152211556},{"text":"Yep.","start":312.675,"end":313.175,"sentiment":"neutral","sentiment_score":0.07374806702136993},{"text":"So, essentially speaking, if if it's paid for by your superannuation fund, the life policy, the benefits are that it's 15% cheaper than if you pay for it personally.","start":315.715,"end":325.57498,"sentiment":"neutral","sentiment_score":0.26229816058586386},{"text":"The only, I guess all through the super cool.","start":327.235,"end":333.69998,"sentiment":"neutral","sentiment_score":0.033576358730594315},{"text":"That's okay.","start":333.69998,"end":334.52,"sentiment":"neutral","sentiment_score":0.10046163201332092}],"sentiment":"neutral","sentiment_score":0.15566735606251367,"num_words":67,"start":303.0,"end":334.52},{"sentences":[{"text":"Alright.","start":335.22,"end":335.72,"sentiment":"neutral","sentiment_score":0.08348779380321503},{"text":"So life endurance, that's how that sort of works.","start":335.78,"end":339.06,"sentiment":"neutral","sentiment_score":0.10633750425444709},{"text":"Total permanent disability, there's a couple of different ways that we can structure it.","start":339.06,"end":342.225,"sentiment":"neutral","sentiment_score":-0.0004440242690699441},{"text":"It.","start":344.065,"end":344.225,"sentiment":"neutral","sentiment_score":0.06086517125368118},{"text":"Even, like, being paid for by your super fund, absolutely.","start":344.225,"end":346.725,"sentiment":"neutral","sentiment_score":0.28551144152879715}],"sentiment":"neutral","sentiment_score":0.11286538796765463,"num_words":35,"start":335.22,"end":346.725},{"sentences":[{"text":"That's easy enough.","start":346.785,"end":348.005,"sentiment":"positive","sentiment_score":0.34367306033770245},{"text":"It's just a matter of I guess there's three kind of definitions that your the TPD can be structured through.","start":349.185,"end":356.5,"sentiment":"neutral","sentiment_score":0.0267179541522637},{"text":"Now realistically and generally, it is the middle of the run definition that everyone is covered by, and that's what's called an any occupation definition.","start":356.56,"end":364.74002,"sentiment":"neutral","sentiment_score":0.001063760593533516},{"text":"So it means if you're unable to do any occupation in which you're trained, qualified, or have experience in, that's where the policy would pay out.","start":365.2,"end":374.315,"sentiment":"neutral","sentiment_score":-0.04300305641327913},{"text":"Now the other definition, which is the lesser definition, which is generally not something I ever like writing for my clients and probably not gonna be something that's going to restrict you or or or sort of come into play for yourself, is what's called activities of daily living or it's called loss of independence.","start":375.175,"end":395.22998,"sentiment":"neutral","sentiment_score":-0.02567077498798343}],"sentiment":"neutral","sentiment_score":-0.007271316373547496,"num_words":129,"start":346.785,"end":395.22998},{"sentences":[{"text":"So it's where basically you you have to lose lose your independence in being able to do activities of of your daily life to be able to to be able to to sort of take on that policy or or take on that claim, I should say.","start":395.44998,"end":412.265,"sentiment":"neutral","sentiment_score":-0.017094577325785412},{"text":"Now the higher definition for PPD cup is what's called an own occupation definition.","start":412.7,"end":418.4,"sentiment":"neutral","sentiment_score":0.008965475684297937},{"text":"Now to get an own occupation definition, generally, you have to pay for some of the premium out of pocket.","start":418.7,"end":424.08002,"sentiment":"neutral","sentiment_score":-0.002341268677264452},{"text":"But what it means is that if you're unable to do your own occupation, then the policy will pay out irrespective of whether you can go back to work and do any other job.","start":424.14,"end":433.98502,"sentiment":"neutral","sentiment_score":-0.015481907381292652},{"text":"Now you're a plant operator to find knowledge, like, in the mine mine sector.","start":435.885,"end":440.765,"sentiment":"neutral","sentiment_score":0.0023019495856715366}],"sentiment":"neutral","sentiment_score":-0.009448925620477373,"num_words":129,"start":395.44998,"end":440.765},{"sentences":[{"text":"Is that still the case?","start":440.765,"end":442.16,"sentiment":"neutral","sentiment_score":-0.004757123161107301},{"text":"Okay.","start":446.3,"end":446.8,"sentiment":"neutral","sentiment_score":0.06179255619645119},{"text":"Cool.","start":446.94,"end":447.44,"sentiment":"neutral","sentiment_score":0.1363058090209961},{"text":"Excellent.","start":447.5,"end":448.0,"sentiment":"positive","sentiment_score":0.4229462742805481},{"text":"I did have I did have notes when I was looking at your file that that there was sort of maybe indication that you might have gone to support work.","start":449.02,"end":455.91998,"sentiment":"neutral","sentiment_score":-0.0010117176920175553}],"sentiment":"neutral","sentiment_score":0.014918618235050848,"num_words":38,"start":440.765,"end":455.91998},{"sentences":[{"text":"I just wasn't a 100%.","start":456.145,"end":458.145,"sentiment":"neutral","sentiment_score":-0.0295176163315773},{"text":"So cool.","start":458.145,"end":463.50497,"sentiment":"neutral","sentiment_score":0.029268212616443634},{"text":"No.","start":463.50497,"end":463.66498,"sentiment":"neutral","sentiment_score":-0.060388244688510895},{"text":"That's okay.","start":463.66498,"end":464.22498,"sentiment":"neutral","sentiment_score":-0.0017507001757621765},{"text":"So so with support work, generally speaking, because of the manual labor that comes from it, you're probably more leaning towards an any occupation definition, which is which is basically the cover that any insurer would kind of offer.","start":464.22498,"end":481.47,"sentiment":"neutral","sentiment_score":-0.025521811694861986}],"sentiment":"neutral","sentiment_score":-0.023434529746217386,"num_words":49,"start":456.145,"end":481.47},{"sentences":[{"text":"Now what is, I guess, the income that you're on with with your with your job occupation?","start":485.77,"end":493.41498,"sentiment":"neutral","sentiment_score":-0.0187380059129175},{"text":"Oh, what yeah.","start":498.75497,"end":500.435,"sentiment":"neutral","sentiment_score":-0.02465014159679413},{"text":"What yeah.","start":500.435,"end":500.75497,"sentiment":"neutral","sentiment_score":-0.018993757665157318},{"text":"What's your income at the moment?","start":500.75497,"end":502.38,"sentiment":"neutral","sentiment_score":-0.0454886710892121},{"text":"No.","start":526.395,"end":526.895,"sentiment":"neutral","sentiment_score":-0.23047545552253723}],"sentiment":"neutral","sentiment_score":-0.032203155955107046,"num_words":29,"start":485.77,"end":526.895},{"sentences":[{"text":"My my records kind of ceased a couple years ago.","start":528.46,"end":531.12,"sentiment":"neutral","sentiment_score":-0.24027274847030639},{"text":"Is that net or gross?","start":535.66,"end":537.02,"sentiment":"neutral","sentiment_score":-0.06286896020174026},{"text":"1,500 a week.","start":537.02,"end":538.4,"sentiment":"neutral","sentiment_score":-0.027969328065713246},{"text":"Okay.","start":542.075,"end":542.47504,"sentiment":"neutral","sentiment_score":0.009219534695148468},{"text":"So net 1,500.","start":542.47504,"end":543.935,"sentiment":"neutral","sentiment_score":0.000029409517689297598}],"sentiment":"neutral","sentiment_score":-0.12689420484821312,"num_words":22,"start":528.46,"end":543.935},{"sentences":[{"text":"Alright.","start":544.075,"end":544.315,"sentiment":"neutral","sentiment_score":0.038824498653411865},{"text":"So we'll we'll be looking well over a 100 thousand for the year then.","start":544.315,"end":547.85504,"sentiment":"neutral","sentiment_score":0.031993285353694646},{"text":"Cool.","start":558.97003,"end":559.29004,"sentiment":"positive","sentiment_score":0.43273359537124634},{"text":"I I can I can sort of run off that for now, and I can always send you an email at the end of our phone call when you get home and you're able to look it up?","start":559.29004,"end":567.765,"sentiment":"neutral","sentiment_score":0.17480343384178063},{"text":"And you can try to flick through an email with, like, confirmation of your income for the year, gross preferably rather than net.","start":568.245,"end":576.16504,"sentiment":"neutral","sentiment_score":0.06656242534518242}],"sentiment":"neutral","sentiment_score":0.11809000464809405,"num_words":77,"start":544.075,"end":576.16504},{"sentences":[{"text":"But if it is net, then I'm more than happy to I can gross it up.","start":576.16504,"end":578.885,"sentiment":"positive","sentiment_score":0.5949642676860094},{"text":"That's easy enough.","start":578.885,"end":579.865,"sentiment":"positive","sentiment_score":0.49469735225041706},{"text":"Now income protection cover covers you if you are ill, injured, unable to work.","start":583.74,"end":590.48,"sentiment":"neutral","sentiment_score":-0.0717628797782319},{"text":"The whole point of it is it's a short term benefit, so it gives you cover in the event that you cannot attend work.","start":591.02,"end":598.72,"sentiment":"neutral","sentiment_score":-0.003992127099384866},{"text":"And there's a waiting period that you have to serve out.","start":599.945,"end":603.145,"sentiment":"neutral","sentiment_score":-0.0942929292267019}],"sentiment":"neutral","sentiment_score":0.13037951104342937,"num_words":68,"start":576.16504,"end":603.145},{"sentences":[{"text":"So if you get a cold, generally, it's not something that's gonna cover you for the week or two that, you know, you've got a cold.","start":603.145,"end":609.965,"sentiment":"neutral","sentiment_score":-0.25810446360936534},{"text":"You know, I'm sure you can hear me at the moment and the delicious husky voice.","start":611.465,"end":615.59,"sentiment":"neutral","sentiment_score":-0.20590127655304968},{"text":"Oh, bless.","start":617.01,"end":618.93,"sentiment":"neutral","sentiment_score":0.10095120407640934},{"text":"One of my children brought home something, and I'm I'm rocking a solid head cold this week.","start":618.93,"end":623.97003,"sentiment":"neutral","sentiment_score":-0.31594453401425304},{"text":"But anyway no.","start":623.97003,"end":630.175,"sentiment":"neutral","sentiment_score":-0.06790806353092194}],"sentiment":"neutral","sentiment_score":-0.24028148967772722,"num_words":64,"start":603.145,"end":630.175},{"sentences":[{"text":"That's okay.","start":630.175,"end":631.15497,"sentiment":"neutral","sentiment_score":-0.011324906721711159},{"text":"So, yeah, the the the income protection basically is there to generally give you a benefit.","start":631.855,"end":639.32996,"sentiment":"neutral","sentiment_score":0.06804841035045683},{"text":"The waiting periods are sort of thirty, fifty, ninety days.","start":640.82996,"end":644.37,"sentiment":"neutral","sentiment_score":-0.03870809935033322},{"text":"So what mean what that means is you have to sort out the waiting period and then the benefit pays you at the end of the following month.","start":644.91,"end":651.94995,"sentiment":"neutral","sentiment_score":0.03961151239595243},{"text":"So on a thirty day waiting period, you're not generally gonna see a benefit paid to you until day 60.","start":651.94995,"end":657.05505,"sentiment":"neutral","sentiment_score":0.0055663508945144715}],"sentiment":"neutral","sentiment_score":0.024993330574177793,"num_words":76,"start":630.175,"end":657.05505},{"sentences":[{"text":"On a 60 day waiting period, it's day 90.","start":658.315,"end":661.03503,"sentiment":"neutral","sentiment_score":0.008323729917820957},{"text":"On a ninety day, it's, like, day a 120.","start":661.03503,"end":663.61505,"sentiment":"neutral","sentiment_score":0.01499311077511973},{"text":"Now with your job, do you have sick leave, long service leave, annual leave accrued?","start":665.43506,"end":672.82,"sentiment":"neutral","sentiment_score":-0.04712829819569985},{"text":"Okay.","start":676.4,"end":676.9,"sentiment":"neutral","sentiment_score":-0.08334430307149887},{"text":"So in other words, we're probably gonna be looking at the shortest possible waiting period possible, which I can have a look because there are some providers that offer a twenty one day, forty and a fourteen day waiting period.","start":677.44,"end":689.96497,"sentiment":"neutral","sentiment_score":-0.013630285335239023}],"sentiment":"neutral","sentiment_score":-0.015211197610541776,"num_words":74,"start":658.315,"end":689.96497},{"sentences":[{"text":"So I'll have a look and see whether there's any that offer within your occupation and what we can get there to ensure that we can get money coming in as quickly as possible if anything happens.","start":690.745,"end":701.29004,"sentiment":"neutral","sentiment_score":0.15199190519146016},{"text":"Now I guess aside from that, with regards to the benefit amounts that we need, income protection can cover up to 70 percent as a base of your income.","start":704.63,"end":715.005,"sentiment":"neutral","sentiment_score":0.05424243051173358},{"text":"So for example, if you earn a 100,000 dollars, the policy can pay you 70 thousand dollars.","start":715.78503,"end":721.72504,"sentiment":"neutral","sentiment_score":0.052992497077759576},{"text":"The whole reason for that is that you can never be better off underclaim what you are working because the whole point is to try and get you back to work.","start":723.03,"end":732.57,"sentiment":"neutral","sentiment_score":0.008582318141575783},{"text":"Now with Incon Protection, there are options that we can sort of boost the benefit.","start":736.305,"end":742.805,"sentiment":"neutral","sentiment_score":0.15580060333013535}],"sentiment":"neutral","sentiment_score":0.08295088635338832,"num_words":129,"start":690.745,"end":742.805},{"sentences":[{"text":"So rather than 70 percent, we can apply for sort of things up to that 80 five percent at least for the first six months of any claim.","start":742.865,"end":751.39996,"sentiment":"neutral","sentiment_score":0.1251127834298781},{"text":"And therefore, like, an additional option that you could put onto the policy.","start":752.42,"end":755.32,"sentiment":"neutral","sentiment_score":0.053540264757779926},{"text":"Is that something that you wanna look at from an option point of view, obviously, pending price for the the product?","start":755.38,"end":762.165,"sentiment":"neutral","sentiment_score":0.05657353447306724},{"text":"So I'll run some comparisons and have a look at what that fits what that sits like there.","start":766.485,"end":771.305,"sentiment":"positive","sentiment_score":0.38219733784596127},{"text":"Outside of that, I guess, the life and TPD, you said that TPD was probably something you were gonna need more of than what life was.","start":773.52496,"end":779.78,"sentiment":"neutral","sentiment_score":-0.14174294013243455}],"sentiment":"neutral","sentiment_score":0.08095718150571832,"num_words":106,"start":742.865,"end":779.78},{"sentences":[{"text":"Generally speaking, when TPD is written, you can write it in two different ways.","start":780.48,"end":785.14,"sentiment":"neutral","sentiment_score":-0.01950747918869768},{"text":"You can write them as joint, which means if you claim out on TPD, it cancels the life policy.","start":785.52,"end":790.82,"sentiment":"neutral","sentiment_score":-0.0736272957568106},{"text":"It means that the TPD policy is actually a lot cheaper, or you can write it as a stand alone policy.","start":791.325,"end":797.34503,"sentiment":"neutral","sentiment_score":-0.013939336829242251},{"text":"If you write total purpose as a stand alone, it generally ends up being about twice as much as what it is if it's a write off.","start":797.485,"end":804.465,"sentiment":"neutral","sentiment_score":-0.16771062656685157},{"text":"I'll I'll have a look at how I can structure the policy.","start":806.28503,"end":808.96,"sentiment":"neutral","sentiment_score":0.16531352077921233}],"sentiment":"neutral","sentiment_score":-0.048485742681609684,"num_words":93,"start":780.48,"end":808.96},{"sentences":[{"text":"And once I've written up the kinda quote things out and have a look at some of the different providers to sort of structure it under, I can kind of explain how and why if we structure something one way, it'll work out a different way.","start":809.02,"end":823.82495,"sentiment":"neutral","sentiment_score":0.12996822660383972},{"text":"But I'll have a look and break down the providers before we kinda jump into the nitty gritty.","start":824.20496,"end":828.945,"sentiment":"neutral","sentiment_score":0.10411200672388077},{"text":"Now I did need to sort of go through and, I guess, do a bit of a fact find with you, and that's just kind of establish what what you're gonna need for cover amounts.","start":830.445,"end":843.72003,"sentiment":"neutral","sentiment_score":-0.012615955993533134},{"text":"Now, I guess, for the life insurance, did you wanna did you have, like, a specific amount that you wanna leave the kids, or is it just, realistically, you don't actually want life insurance?","start":845.78,"end":855.785,"sentiment":"neutral","sentiment_score":-0.08177845837438807},{"text":"But if it makes your TPD cheaper, then you'll have it, but it's not an important insurance benefit for you.","start":856.56494,"end":865.26996,"sentiment":"neutral","sentiment_score":-0.14459024351090194}],"sentiment":"neutral","sentiment_score":0.011364206732585539,"num_words":153,"start":809.02,"end":865.26996},{"sentences":[{"text":"Yep.","start":885.805,"end":886.305,"sentiment":"neutral","sentiment_score":-0.08103027939796448},{"text":"I think from when I looked at your file, the life insurance policy was previously written to pretty much, they cover the mortgage that you had on the house at the time.","start":893.18,"end":901.36,"sentiment":"neutral","sentiment_score":0.03934229107107967},{"text":"So it meant that, essentially, your life insurance cleared out the mortgage debt, which meant that the house became the house basically became the the life insurance benefit, essentially.","start":901.57996,"end":914.055,"sentiment":"neutral","sentiment_score":0.07621775490456614},{"text":"So it was sort of like your house at the time was valued at about $420,000.","start":914.59503,"end":919.495,"sentiment":"neutral","sentiment_score":0.028692563762888312},{"text":"So that made, you know if they sold the house, they'd be sort of, you know after all the sales cost and everything, just under 400,000 that the the kids would sort of split.","start":920.435,"end":930.4,"sentiment":"neutral","sentiment_score":0.009311668814488631}],"sentiment":"neutral","sentiment_score":0.03717781863399848,"num_words":112,"start":885.805,"end":930.4},{"sentences":[{"text":"110,000.","start":930.4,"end":931.1,"sentiment":"neutral","sentiment_score":0.006538198329508305},{"text":"And 10,000 link?","start":937.53503,"end":938.495,"sentiment":"neutral","sentiment_score":0.024405259018143017},{"text":"Cool.","start":938.495,"end":938.995,"sentiment":"neutral","sentiment_score":0.1131703481078148},{"text":"Yeah.","start":939.055,"end":939.555,"sentiment":"neutral","sentiment_score":0.06765353679656982},{"text":"So do you wanna structure it sort of same way?","start":941.29504,"end":943.555,"sentiment":"neutral","sentiment_score":0.008229503408074379}],"sentiment":"neutral","sentiment_score":0.02142955589806661,"num_words":16,"start":930.4,"end":943.555},{"sentences":[{"text":"Okay.","start":951.17,"end":951.67,"sentiment":"neutral","sentiment_score":-0.0033224672079086304},{"text":"How's how's that if I can sort of ask?","start":951.97,"end":956.29,"sentiment":"neutral","sentiment_score":-0.04582236145829989},{"text":"So you only you are $2.20 Okay.","start":956.29,"end":975.79504,"sentiment":"neutral","sentiment_score":-0.02177870020802532},{"text":"That's okay.","start":977.695,"end":978.59503,"sentiment":"neutral","sentiment_score":0.2502232640981674},{"text":"So do you wanna look at, say, 200,000 to just wipe out the entirety of the debt?","start":981.0,"end":987.26,"sentiment":"neutral","sentiment_score":0.022552115185295835}],"sentiment":"neutral","sentiment_score":0.00876827401548831,"num_words":36,"start":951.17,"end":987.26},{"sentences":[{"text":"Yeah.","start":991.8,"end":992.175,"sentiment":"neutral","sentiment_score":0.14769238233566284},{"text":"Okay.","start":992.65497,"end":993.15497,"sentiment":"neutral","sentiment_score":0.09505422413349152},{"text":"And then Generally speaking, insurers look at lump sum amount at the at the 250,000.","start":994.095,"end":1015.04004,"sentiment":"neutral","sentiment_score":-0.009789181066056092},{"text":"So 250, $507.50 a mil, $1.251.0.5, and then, generally, it's 2 mil from there.","start":1015.5,"end":1023.685,"sentiment":"neutral","sentiment_score":0.0038822768588683437},{"text":"So that's where they sort of give lump sum discounts based on amounts insured.","start":1024.145,"end":1028.085,"sentiment":"neutral","sentiment_score":0.021231965028813908}],"sentiment":"neutral","sentiment_score":0.009944628375685877,"num_words":45,"start":991.8,"end":1028.085},{"sentences":[{"text":"So generally speaking, the difference between, say, 200 to $2.50 is quite minimal.","start":1028.305,"end":1033.925,"sentiment":"neutral","sentiment_score":-0.027064403519034386},{"text":"Whereas if you write, say, 300,000, it's not as good as what $2,250,000 is.","start":1034.82,"end":1040.0399,"sentiment":"neutral","sentiment_score":-0.10258558711835317},{"text":"But it's sort of dependent on what you need.","start":1041.62,"end":1043.86,"sentiment":"neutral","sentiment_score":-0.0657660820417934},{"text":"So I'll look at 200,000 to wipe the debt or $2.20 to wipe the debt, and then I'll also look at obviously $2.50.","start":1043.86,"end":1049.88,"sentiment":"neutral","sentiment_score":0.0040688766369029235},{"text":"So and then TPD.","start":1056.235,"end":1058.255,"sentiment":"neutral","sentiment_score":0.028594939038157463}],"sentiment":"neutral","sentiment_score":-0.03447565531712912,"num_words":63,"start":1028.305,"end":1058.255},{"sentences":[{"text":"Yeah.","start":1059.9149,"end":1060.4149,"sentiment":"neutral","sentiment_score":-0.007392876781523228},{"text":"Yeah.","start":1075.45,"end":1075.85,"sentiment":"neutral","sentiment_score":-0.010274899192154408},{"text":"So life insurance, like, the life insurance policy pays out if you die or if you're diagnosed as terminal, so terminally ill.","start":1075.85,"end":1083.165,"sentiment":"neutral","sentiment_score":-0.0106278431432491},{"text":"Yeah.","start":1084.345,"end":1084.845,"sentiment":"neutral","sentiment_score":0.1463611125946045},{"text":"Yeah.","start":1089.9401,"end":1090.18,"sentiment":"neutral","sentiment_score":0.026598166674375538}],"sentiment":"neutral","sentiment_score":-0.003020040225237608,"num_words":26,"start":1059.9149,"end":1090.18},{"sentences":[{"text":"So, basically, if you were diagnosed as terminally ill so for example, and I guess this is the lead like, the most recent case I've gone through, I had a client that was diagnosed with stage four cancer.","start":1090.18,"end":1102.68,"sentiment":"neutral","sentiment_score":-0.03151346863198437},{"text":"He had an insurance benefit called critical illness or trauma cover.","start":1105.535,"end":1111.375,"sentiment":"neutral","sentiment_score":-0.011017421514473179},{"text":"I will touch base and explain what that does in a second.","start":1111.375,"end":1114.035,"sentiment":"neutral","sentiment_score":-0.010885362979024649},{"text":"But he got paid out three 100 thousand dollars under that policy based on his diagnosis.","start":1115.215,"end":1120.275,"sentiment":"neutral","sentiment_score":-0.04038477805443108},{"text":"He then claimed income protection, which meant he could stop working, and he got a benefit coming in regularly.","start":1121.4299,"end":1127.61,"sentiment":"neutral","sentiment_score":-0.04208861487476449}],"sentiment":"neutral","sentiment_score":-0.030157999290774267,"num_words":96,"start":1090.18,"end":1127.61},{"sentences":[{"text":"And because of his stage four diagnosis, he was actually given about twelve months to live.","start":1128.3099,"end":1133.37,"sentiment":"neutral","sentiment_score":-0.03569703525863588},{"text":"He was paid out his life insurance benefit, which at the time was about half 1,000,000 dollars, plus his super fund, which was about $250,000 at the time.","start":1134.295,"end":1146.27,"sentiment":"neutral","sentiment_score":-0.0030336763177599224},{"text":"So all in all, he walked away with a very cool million between all the benefits plus an ongoing income protection benefit.","start":1146.51,"end":1153.81,"sentiment":"neutral","sentiment_score":0.16702454384755006},{"text":"Prior to his death in December, he bought his wife a house, got hold got her all set up, and then unfortunately passed just before Christmas.","start":1156.27,"end":1163.825,"sentiment":"neutral","sentiment_score":-0.22036785746996218},{"text":"Quite tragic, but that's sort of, I guess, how all of the policies can interact with each other where because he as tragic as it sounds.","start":1167.725,"end":1180.5399,"sentiment":"neutral","sentiment_score":-0.21106524421618536}],"sentiment":"neutral","sentiment_score":-0.06948149305278972,"num_words":118,"start":1128.3099,"end":1180.5399},{"sentences":[{"text":"Well, because no.","start":1182.52,"end":1184.44,"sentiment":"neutral","sentiment_score":-0.12552541494369507},{"text":"No.","start":1184.44,"end":1184.94,"sentiment":"neutral","sentiment_score":-0.1730995625257492},{"text":"I know.","start":1185.0,"end":1185.4,"sentiment":"neutral","sentiment_score":-0.11135067045688629},{"text":"I I deal with it all the time, and sometimes clients and and my like, even my staff and colleagues sit around, and they and they're like, you're so harsh when you talk about it.","start":1185.4,"end":1193.1749,"sentiment":"neutral","sentiment_score":-0.1300652855208942},{"text":"I'm like, well, when you see the claim side of things all the time, it's it's just it is as as it is.","start":1193.1749,"end":1199.595,"sentiment":"neutral","sentiment_score":-0.01859532258189891}],"sentiment":"neutral","sentiment_score":-0.08988054001383716,"num_words":64,"start":1182.52,"end":1199.595},{"sentences":[{"text":"Yeah.","start":1200.135,"end":1200.51,"sentiment":"neutral","sentiment_score":0.00960120465606451},{"text":"And, hey, it doesn't mean I'm heartless.","start":1200.59,"end":1202.03,"sentiment":"neutral","sentiment_score":-0.19550180062651634},{"text":"I cried when his wife called me to tell me he he he'd passed.","start":1202.03,"end":1205.01,"sentiment":"neutral","sentiment_score":-0.18903860396572522},{"text":"So, you know, he'd kill on the other side too.","start":1205.47,"end":1208.45,"sentiment":"neutral","sentiment_score":-0.11143227443099021},{"text":"Yeah.","start":1212.51,"end":1212.91,"sentiment":"neutral","sentiment_score":0.0569692924618721}],"sentiment":"neutral","sentiment_score":-0.15341834263932524,"num_words":33,"start":1200.135,"end":1212.91},{"sentences":[{"text":"So that's obviously one one diagnosis, one case, one one avenue.","start":1212.91,"end":1218.865,"sentiment":"neutral","sentiment_score":0.0379694922065193},{"text":"The I guess the cool thing with with terminal illness is that, a, you can plan a little bit more.","start":1219.965,"end":1225.8,"sentiment":"neutral","sentiment_score":-0.010004965215921402},{"text":"The one thing a lawyer has always told me is tell me tell me the day before you die, and I can put you in the best position possible.","start":1225.8,"end":1232.62,"sentiment":"neutral","sentiment_score":-0.008425536147993186},{"text":"Very much same goes for financial planning.","start":1234.12,"end":1236.6001,"sentiment":"neutral","sentiment_score":0.03257732465863228},{"text":"If if we we have a a known expiration date, we can definitely plan in the best tax position possible.","start":1236.6001,"end":1242.915,"sentiment":"neutral","sentiment_score":0.023164408933371305}],"sentiment":"neutral","sentiment_score":0.007638551872865907,"num_words":87,"start":1212.91,"end":1242.915},{"sentences":[{"text":"And that's sort of where things kinda come in because when it comes to life insurance, if it goes to your kid through your super fund, your children are non tax dependent, which means they will pay tax on the benefit, which is the frustrating part.","start":1243.6951,"end":1258.67,"sentiment":"neutral","sentiment_score":-0.013147091169072233},{"text":"If your diagnosis is terminally ill, the benefit goes to you tax free.","start":1259.9299,"end":1264.03,"sentiment":"neutral","sentiment_score":-0.2365707686314216},{"text":"Irrespective of what age you are, benefit is releasable to you tax free, which is, I guess, the benefit on that side.","start":1265.13,"end":1271.415,"sentiment":"neutral","sentiment_score":-0.1294593782248822},{"text":"Now with TPD insurance, that's probably the benefit that we do need to make sure that we increase a little bit and why your TPD insurance is gonna be more than what your life insurance is.","start":1272.4551,"end":1282.635,"sentiment":"neutral","sentiment_score":-0.11427007998443311},{"text":"Because realistically speaking, if you're totally internally disabled, we need to make sure the house is covered.","start":1282.775,"end":1287.1951,"sentiment":"neutral","sentiment_score":-0.0986529834130231}],"sentiment":"neutral","sentiment_score":-0.09193370227159849,"num_words":134,"start":1243.6951,"end":1287.1951},{"sentences":[{"text":"Mortgage repayments are done, but then, realistically, we need to make sure that you have longevity income to support you.","start":1287.64,"end":1293.82,"sentiment":"neutral","sentiment_score":0.06282964441925287},{"text":"That's the reason we can do this.","start":1294.24,"end":1296.78,"sentiment":"neutral","sentiment_score":0.16708765817540033},{"text":"We can make sure we just cover the mortgage, and then your income protection policy tell you all the way through to your 65 years old.","start":1296.84,"end":1302.8151,"sentiment":"neutral","sentiment_score":0.05289827287197113},{"text":"That is going to be very expensive.","start":1302.9551,"end":1304.5751,"sentiment":"negative","sentiment_score":-0.3936075610773904},{"text":"The other avenue is is we just write a TPD policy that realistically covers your expenses minus your mortgage repayment until you're 65 and or an age designated by you.","start":1305.835,"end":1319.39,"sentiment":"neutral","sentiment_score":0.009593305220672239}],"sentiment":"neutral","sentiment_score":0.014823420215139372,"num_words":90,"start":1287.64,"end":1319.39},{"sentences":[{"text":"Now last record I had was that you were looking to retire around 60 five to 60 seven.","start":1320.3301,"end":1325.2101,"sentiment":"neutral","sentiment_score":-0.030207109327117603},{"text":"Is that still the go?","start":1325.2101,"end":1327.15,"sentiment":"neutral","sentiment_score":-0.02949814610183239},{"text":"Okay.","start":1339.085,"end":1339.585,"sentiment":"neutral","sentiment_score":-0.020706750452518463},{"text":"No.","start":1340.285,"end":1340.525,"sentiment":"neutral","sentiment_score":-0.07361547648906708},{"text":"That that's that's okay.","start":1340.525,"end":1342.065,"sentiment":"neutral","sentiment_score":0.04473022425372619}],"sentiment":"neutral","sentiment_score":-0.02091793201117102,"num_words":29,"start":1320.3301,"end":1342.065},{"sentences":[{"text":"We we can sort of go with 60 seven as as a rough agent now, and I can, again, quote it up.","start":1342.76,"end":1349.32,"sentiment":"neutral","sentiment_score":0.050603758162734186},{"text":"We can always play with it.","start":1349.32,"end":1350.7799,"sentiment":"neutral","sentiment_score":0.022209156304597855},{"text":"Sixty seven.","start":1351.7999,"end":1352.7799,"sentiment":"neutral","sentiment_score":0.00037486301152966917},{"text":"Six seven.","start":1353.96,"end":1354.7799,"sentiment":"neutral","sentiment_score":-0.00009724404662847519},{"text":"Yep.","start":1355.96,"end":1356.46,"sentiment":"neutral","sentiment_score":-0.2194928526878357}],"sentiment":"neutral","sentiment_score":0.031139394019688058,"num_words":33,"start":1342.76,"end":1356.46},{"sentences":[{"text":"I know.","start":1359.1649,"end":1359.905,"sentiment":"neutral","sentiment_score":-0.29604364931583405},{"text":"I know.","start":1360.125,"end":1360.785,"sentiment":"neutral","sentiment_score":-0.06468614935874939},{"text":"But I can go with that.","start":1362.845,"end":1364.205,"sentiment":"neutral","sentiment_score":0.017643828876316547},{"text":"The only thing I think I need to know is how much you actually pay in mortgage repayments each cycle, weeks, months, whatever, however you pay it.","start":1364.205,"end":1373.2001,"sentiment":"neutral","sentiment_score":-0.010546127679171386},{"text":"6 weekly.","start":1376.06,"end":1376.86,"sentiment":"neutral","sentiment_score":0.035325443372130394}],"sentiment":"neutral","sentiment_score":-0.021274132940631647,"num_words":39,"start":1359.1649,"end":1376.86},{"sentences":[{"text":"Cool.","start":1376.86,"end":1377.3401,"sentiment":"neutral","sentiment_score":0.1244310587644577},{"text":"Alright.","start":1377.3401,"end":1377.8401,"sentiment":"neutral","sentiment_score":0.14386633038520813},{"text":"So 6 weekly out of the 15 100 that we earn.","start":1377.98,"end":1381.4401,"sentiment":"neutral","sentiment_score":0.10760120166973634},{"text":"So we still have about nine $100 in money that is not tied up with the mortgage per week that we need to make sure we cover.","start":1381.66,"end":1388.415,"sentiment":"neutral","sentiment_score":0.05686292700745441},{"text":"Oh, okay.","start":1401.14,"end":1402.4401,"sentiment":"neutral","sentiment_score":-0.026318213902413845}],"sentiment":"neutral","sentiment_score":0.06987079068840969,"num_words":42,"start":1376.86,"end":1402.4401},{"sentences":[{"text":"Right.","start":1402.58,"end":1402.9,"sentiment":"neutral","sentiment_score":0.02967223711311817},{"text":"This is what you were referencing.","start":1402.9,"end":1404.28,"sentiment":"neutral","sentiment_score":0.025312297511845827},{"text":"So are you not living in the house or you're Okay.","start":1405.38,"end":1410.74,"sentiment":"neutral","sentiment_score":-0.0253158262507482},{"text":"And then we have borders that cool.","start":1410.74,"end":1420.795,"sentiment":"neutral","sentiment_score":0.05970993212291172},{"text":"And that covers the mortgage.","start":1420.795,"end":1422.0951,"sentiment":"neutral","sentiment_score":-0.07995406985282898}],"sentiment":"neutral","sentiment_score":-0.0026242963659266635,"num_words":30,"start":1402.58,"end":1422.0951},{"sentences":[{"text":"Okay.","start":1425.1951,"end":1425.6951,"sentiment":"neutral","sentiment_score":0.05392404645681381},{"text":"So do we not so we we still need to cover the 15 100 that you're earning then?","start":1426.1599,"end":1432.6599,"sentiment":"neutral","sentiment_score":-0.017790907269550696},{"text":"Because, realistically, you're not paying the mortgage repayments that's being covered by the borders within the house.","start":1434.7999,"end":1441.46,"sentiment":"neutral","sentiment_score":-0.12106261199668926},{"text":"And irrespective of you like, if you were to if you were to pay out the mortgage, you'd still need the 15 $100 a week that you earn because the mortgage repayments is earnings on top of that.","start":1441.885,"end":1457.02,"sentiment":"neutral","sentiment_score":0.00023631217252267035},{"text":"Yeah.","start":1459.56,"end":1459.8,"sentiment":"neutral","sentiment_score":-0.023986751213669777}],"sentiment":"neutral","sentiment_score":-0.031191781026621658,"num_words":75,"start":1425.1951,"end":1459.8},{"sentences":[{"text":"That's no.","start":1459.8,"end":1460.76,"sentiment":"neutral","sentiment_score":-0.20238444209098816},{"text":"That's okay.","start":1460.76,"end":1461.4,"sentiment":"neutral","sentiment_score":-0.019569091498851776},{"text":"Cool.","start":1461.4,"end":1461.8,"sentiment":"positive","sentiment_score":0.3773036599159241},{"text":"Alright.","start":1461.8,"end":1462.2001,"sentiment":"neutral","sentiment_score":0.21300750970840457},{"text":"That that explains a little bit more as to what you were sort of referencing on that side.","start":1462.2001,"end":1466.14,"sentiment":"neutral","sentiment_score":0.020875054825511243}],"sentiment":"neutral","sentiment_score":0.02175646205432713,"num_words":24,"start":1459.8,"end":1466.14},{"sentences":[{"text":"Okay.","start":1469.815,"end":1470.215,"sentiment":"neutral","sentiment_score":0.03685086965560913},{"text":"Alright.","start":1470.215,"end":1470.5349,"sentiment":"neutral","sentiment_score":0.020640036091208454},{"text":"No.","start":1470.5349,"end":1470.775,"sentiment":"neutral","sentiment_score":-0.13022831082344055},{"text":"That's okay.","start":1470.775,"end":1471.255,"sentiment":"neutral","sentiment_score":-0.05083702318370342},{"text":"Alright.","start":1471.255,"end":1471.495,"sentiment":"neutral","sentiment_score":0.06292649358510971}],"sentiment":"neutral","sentiment_score":-0.018580826309820015,"num_words":6,"start":1469.815,"end":1471.495},{"sentences":[{"text":"So I can make sure we replace it replace 1,500 a a week or that ends up being 70 8,000 dollars a year.","start":1471.495,"end":1478.395,"sentiment":"neutral","sentiment_score":0.0043812928640324135},{"text":"Yeah.","start":1478.615,"end":1478.855,"sentiment":"neutral","sentiment_score":0.008670277893543243},{"text":"Yeah.","start":1478.855,"end":1479.1749,"sentiment":"neutral","sentiment_score":0.0012721549719572067},{"text":"Whatever it ends up being once you sort of have a look and email me.","start":1479.1749,"end":1482.235,"sentiment":"neutral","sentiment_score":-0.06083565577864647},{"text":"Oh, that's that's a net anyway, but yeah.","start":1483.6549,"end":1485.97,"sentiment":"neutral","sentiment_score":-0.030865962151437998}],"sentiment":"neutral","sentiment_score":-0.021848965940686565,"num_words":48,"start":1471.495,"end":1485.97},{"sentences":[{"text":"I'll send you an email for for details because one of the things I will need to know, while I'm not giving advice on your super fund, I do just need a a quick snapshot of where your superannuation balance sits just so I can make sure that I'm doing my due diligence in terms of the funds being able to support the premium.","start":1486.5099,"end":1507.355,"sentiment":"neutral","sentiment_score":0.011417450034059584},{"text":"Because if I ever got audited by ASIC and or hadn't considered the fact that, hey.","start":1509.655,"end":1516.1,"sentiment":"neutral","sentiment_score":-0.07510172377806157},{"text":"I'm paying for insurance premiums from a fund that I'd never even looked at, I'd get hold over the call polls.","start":1516.1,"end":1522.84,"sentiment":"neutral","sentiment_score":-0.11487043648958206},{"text":"So I I just need to know that the funds can support these premiums long term and that I'm not going to, you know, put you in jeopardy of going broke and and or not being able to pay for it.","start":1524.02,"end":1535.185,"sentiment":"neutral","sentiment_score":-0.11875683841545408},{"text":"Yes.","start":1550.0701,"end":1550.5701,"sentiment":"neutral","sentiment_score":0.03956341743469238}],"sentiment":"neutral","sentiment_score":-0.05393466365139384,"num_words":143,"start":1486.5099,"end":1550.5701},{"sentences":[{"text":"No.","start":1553.8301,"end":1554.0701,"sentiment":"neutral","sentiment_score":-0.10939542204141615},{"text":"That's okay.","start":1554.0701,"end":1554.765,"sentiment":"neutral","sentiment_score":-0.06520088762044907},{"text":"No.","start":1556.605,"end":1557.105,"sentiment":"neutral","sentiment_score":-0.09118128567934036},{"text":"That's absolutely not that's that's absolutely fine.","start":1559.3251,"end":1561.805,"sentiment":"neutral","sentiment_score":-0.09146252513996192},{"text":"It can be invested however, like, you're you're choosing to invest it just so long as, I guess I just need to know sort of, I guess, what the balance is.","start":1561.805,"end":1569.485,"sentiment":"neutral","sentiment_score":-0.06773559785177631}],"sentiment":"neutral","sentiment_score":-0.07311951648443937,"num_words":42,"start":1553.8301,"end":1569.485},{"sentences":[{"text":"So you would have, I guess, the the last report that you did for the SMSF fund.","start":1569.485,"end":1574.9901,"sentiment":"neutral","sentiment_score":0.02674545402474263},{"text":"Just literally a a a provide.","start":1576.3301,"end":1582.1901,"sentiment":"neutral","sentiment_score":0.20952129612366358},{"text":"Yeah.","start":1588.935,"end":1589.175,"sentiment":"neutral","sentiment_score":0.06538121402263641},{"text":"Absolutely.","start":1589.175,"end":1589.675,"sentiment":"neutral","sentiment_score":0.0773790031671524},{"text":"If you have either the last payslip for the financial year or if you've done your you've completed your tax returns, you can send that through either either way.","start":1589.895,"end":1597.435,"sentiment":"neutral","sentiment_score":0.01950348576466585}],"sentiment":"neutral","sentiment_score":0.0448178111023649,"num_words":54,"start":1569.485,"end":1597.435},{"sentences":[{"text":"And and I'll just use that to be able to base the income protection premium income protection benefit amounts and use that as a multiplier to deal with the the the TPD portion as well.","start":1597.495,"end":1614.435,"sentiment":"neutral","sentiment_score":0.3278331098811967},{"text":"Cool.","start":1618.035,"end":1618.435,"sentiment":"positive","sentiment_score":0.5052555203437805},{"text":"Alright.","start":1618.435,"end":1618.675,"sentiment":"positive","sentiment_score":0.41152462363243103},{"text":"Well, I've got a decent basis of everything on where we're going from here.","start":1618.675,"end":1622.535,"sentiment":"positive","sentiment_score":0.4368535429239273},{"text":"So what I'll do is I'll send you an email this afternoon, get a get all those documents from you, and then I'll quote everything up, have a look at the rundown on things, and and go from there.","start":1622.915,"end":1635.07,"sentiment":"neutral","sentiment_score":0.21969852959498382}],"sentiment":"neutral","sentiment_score":0.3008347916106383,"num_words":90,"start":1597.495,"end":1635.07},{"sentences":[{"text":"Realistically speaking, I should be able to get everything turned around within a couple of weeks post you sending those documents.","start":1635.2899,"end":1641.1499,"sentiment":"neutral","sentiment_score":0.25143002683208104},{"text":"So if you're able to get it back to me over the weekend, if you want, I can just schedule a meeting for two weeks from today.","start":1641.625,"end":1648.445,"sentiment":"neutral","sentiment_score":0.15469856118714367},{"text":"Does that work for you?","start":1648.6649,"end":1649.885,"sentiment":"neutral","sentiment_score":0.1830322951078415},{"text":"Cool.","start":1651.7849,"end":1652.105,"sentiment":"positive","sentiment_score":0.48022210597991943},{"text":"Alright.","start":1652.105,"end":1652.4249,"sentiment":"neutral","sentiment_score":0.2514296770095825}],"sentiment":"neutral","sentiment_score":0.20188554498282346,"num_words":55,"start":1635.2899,"end":1652.4249},{"sentences":[{"text":"Well, I'll I'll just send you a calendar invite for two weeks from today so that way it's booked in.","start":1652.4249,"end":1656.87,"sentiment":"neutral","sentiment_score":0.0560368862003088},{"text":"And I'll look you the email once we get off the phone.","start":1657.91,"end":1665.53,"sentiment":"neutral","sentiment_score":0.04930488967026273},{"text":"Alright.","start":1665.67,"end":1666.07,"sentiment":"positive","sentiment_score":0.4116767644882202},{"text":"Cool.","start":1666.07,"end":1666.57,"sentiment":"positive","sentiment_score":0.5275000333786011},{"text":"I will let you go and finish your drive, and we will talk soon.","start":1666.87,"end":1670.97,"sentiment":"neutral","sentiment_score":0.09362005282725606}],"sentiment":"neutral","sentiment_score":0.08254695703120281,"num_words":48,"start":1652.4249,"end":1670.97},{"sentences":[{"text":"Well, I'm glad I was able to sort of help out with some of it.","start":1676.025,"end":1679.005,"sentiment":"neutral","sentiment_score":0.11775160531202952},{"text":"Trust me.","start":1683.9,"end":1684.38,"sentiment":"neutral","sentiment_score":-0.060784900560975075},{"text":"That's that's my go to as well.","start":1684.38,"end":1685.8201,"sentiment":"neutral","sentiment_score":-0.022063896592174257},{"text":"I think I absolutely detest the drive to and from work.","start":1685.8201,"end":1689.68,"sentiment":"neutral","sentiment_score":-0.16320506076921115},{"text":"My poor husband hears from me constantly, and if it's on my husband, I think my sisters, mother, everyone else under the sun.","start":1690.06,"end":1695.915,"sentiment":"neutral","sentiment_score":-0.1428427952139274}],"sentiment":"neutral","sentiment_score":-0.06190315441324793,"num_words":58,"start":1676.025,"end":1695.915},{"sentences":[{"text":"Yep.","start":1709.755,"end":1710.255,"sentiment":"neutral","sentiment_score":-0.03552556410431862},{"text":"Yeah.","start":1710.4751,"end":1710.9751,"sentiment":"neutral","sentiment_score":-0.07378461211919785},{"text":"Yep.","start":1713.6101,"end":1714.1101,"sentiment":"neutral","sentiment_score":-0.08148397505283356},{"text":"Yeah.","start":1717.53,"end":1718.03,"sentiment":"neutral","sentiment_score":-0.08256646990776062},{"text":"I'm enjoying lifetime by lifetime.","start":1720.7301,"end":1722.51,"sentiment":"positive","sentiment_score":0.358062869310379}],"sentiment":"neutral","sentiment_score":0.16855041392975384,"num_words":9,"start":1709.755,"end":1722.51},{"sentences":[{"text":"No.","start":1727.8151,"end":1728.3151,"sentiment":"negative","sentiment_score":-0.34934109449386597},{"text":"Shut off from the world and just exist.","start":1729.655,"end":1731.915,"sentiment":"neutral","sentiment_score":-0.23422937467694283},{"text":"Absolutely.","start":1736.4551,"end":1736.9551,"sentiment":"neutral","sentiment_score":0.1828340440988541},{"text":"I wish I could do it more often.","start":1737.255,"end":1738.77,"sentiment":"neutral","sentiment_score":0.30065327510237694},{"text":"Work on the Gold Coast, but I Live halfway in Goldie in Brisbane because my other half works in Brisbane.","start":1744.6901,"end":1750.47,"sentiment":"neutral","sentiment_score":0.01692859660834074}],"sentiment":"neutral","sentiment_score":0.018512002241454627,"num_words":38,"start":1727.8151,"end":1750.47},{"sentences":[{"text":"Yeah.","start":1753.73,"end":1754.23,"sentiment":"neutral","sentiment_score":0.08358712494373322},{"text":"Yes.","start":1755.515,"end":1755.755,"sentiment":"neutral","sentiment_score":0.05957452952861786},{"text":"Yeah.","start":1755.755,"end":1756.1549,"sentiment":"neutral","sentiment_score":0.0401788130402565},{"text":"So Thursday, Friday, we work from home.","start":1756.1549,"end":1758.395,"sentiment":"neutral","sentiment_score":0.04186243696936539},{"text":"So the my husband's on kid duty for the afternoon, and then him and I tap tap out and swap over at 05:00.","start":1758.395,"end":1767.515,"sentiment":"neutral","sentiment_score":0.06858983166191888}],"sentiment":"neutral","sentiment_score":0.062240716803706055,"num_words":33,"start":1753.73,"end":1767.515},{"sentences":[{"text":"And I log off from work and take over the kids, and he jumps back on and keeps working for the afternoon.","start":1767.515,"end":1773.5099,"sentiment":"neutral","sentiment_score":0.03756076351485469},{"text":"Yeah.","start":1777.0099,"end":1777.25,"sentiment":"neutral","sentiment_score":0.2458934187889099},{"text":"It worked out nicely.","start":1777.25,"end":1778.3099,"sentiment":"neutral","sentiment_score":0.2747471481561661},{"text":"Yeah.","start":1781.97,"end":1782.37,"sentiment":"neutral","sentiment_score":0.04466883838176727},{"text":"Well, Monday to Wednesday, I generally work stupid hours, so I don't get to see the kids much.","start":1782.37,"end":1787.545,"sentiment":"neutral","sentiment_score":-0.05140915595822864}],"sentiment":"neutral","sentiment_score":0.02805484434508759,"num_words":46,"start":1767.515,"end":1787.545},{"sentences":[{"text":"Pretty much.","start":1792.9651,"end":1793.685,"sentiment":"neutral","sentiment_score":0.09465914219617844},{"text":"Nearly.","start":1793.685,"end":1794.185,"sentiment":"neutral","sentiment_score":0.05373129993677139},{"text":"I'm gonna get started on your and then, yeah, it'll be dinner run, Taekwondo, and because it's Gold Coast show day this tomorrow.","start":1794.805,"end":1802.39,"sentiment":"neutral","sentiment_score":0.06094324279009648},{"text":"It's a day off, so easy.","start":1802.53,"end":1806.07,"sentiment":"neutral","sentiment_score":0.09970627725124359},{"text":"You there, Rachel?","start":1814.065,"end":1814.965,"sentiment":"neutral","sentiment_score":0.16116792460282645}],"sentiment":"neutral","sentiment_score":0.0778995887376368,"num_words":35,"start":1792.9651,"end":1814.965},{"sentences":[{"text":"Oh, there you are.","start":1830.8301,"end":1833.41,"sentiment":"neutral","sentiment_score":-0.01716116047464311},{"text":"No.","start":1834.67,"end":1834.91,"sentiment":"neutral","sentiment_score":-0.0942421406507492},{"text":"No.","start":1834.91,"end":1835.23,"sentiment":"neutral","sentiment_score":-0.08952529728412628},{"text":"Just drop it out for a second.","start":1835.23,"end":1836.93,"sentiment":"neutral","sentiment_score":-0.08779417616980416},{"text":"Perfect.","start":1840.725,"end":1841.225,"sentiment":"positive","sentiment_score":0.4437379539012909}],"sentiment":"neutral","sentiment_score":-0.0302309542229133,"num_words":14,"start":1830.8301,"end":1841.225},{"sentences":[{"text":"Perfect.","start":1850.267,"end":1850.767,"sentiment":"neutral","sentiment_score":0.29709622263908386},{"text":"We will.","start":1852.907,"end":1853.647,"sentiment":"neutral","sentiment_score":0.1799148991703987},{"text":"Thanks, Jonathan.","start":1853.867,"end":1854.827,"sentiment":"positive","sentiment_score":0.39893320202827454},{"text":"Have a good one.","start":1854.827,"end":1855.807,"sentiment":"positive","sentiment_score":0.5665649995207787},{"text":"Bye.","start":1857.2269,"end":1857.7269,"sentiment":"positive","sentiment_score":0.42845749855041504}],"sentiment":"positive","sentiment_score":0.414950992166996,"num_words":10,"start":1850.267,"end":1857.7269}]}}]},{"alternatives":[{"transcript":"Hey, girl. I I have Rachel Scholes on the phone. Beautiful. She is in the car, and I asked her if she still has time. And she was like, yeah. I'm I'm good. Perfect. You've got her in 321. Hello. I'm good. Thanks. Sorry I missed your call. Yeah. Yeah. Yeah. I was trying to, like, get out of I ended up having to work today, and I finished at three. I was trying to get out on time. So yeah. Yes. Yep. Essentially, it's kind of a, I guess, a bit of a clean slate. So I wanted to look at everything with the first set of locks. I Yeah. And kind of there was a net. We might as well since the whole thing lapsed. I was a bit silly. I didn't really realize that I could pay from my super myself. And because Yeah. My super didn't release the money to AIA, and then it just lapsed. And that was, like, really stupid of me. Because now here I am again going through it, you know, doing it all. But, I mean, hopefully, there's someone better than the AIA or yeah. I don't know. Well, the good thing is is that, like, we can set it up to be paid from your SMS app Yeah. Straight off of that. Yes. Yes. Yep. Yep. Yeah. Yeah. Sure. Yep. So I want an income protection possibly this time, which I haven't had before. And, yeah, my total current disability and then life insurance not so high because I obviously need money when I'm alive, not when I'm dead. So yeah. Yeah. Are you there? Yep. Yes. Yeah. Probably. Yeah. Yeah. No. I Yes. Yep. Yes. Yes. Yep. Yep. Yep. Yes. Yep. Yeah. I'm not paying anything personally. It's all gonna be through my super. Yeah. Okay. Yep. Yep. It's just a matter of, like I said, three kind of definitions that your the TPD can be structured through. Now realistically and generally, it is the middle of the run definition that everyone is covered by, and that's what's called an any occupation definition. So it means if you're unable to do any occupation in which you were trained, qualified, or have experiences Mhmm. That's where the policy would pay out. Now the other definition, which is the less off definition, which is generally not something I ever like writing for my clients and probably not gonna be something that's going to restrict you or or sort of coming to plan for yourself. Okay. Now you're a client operator of design knowledge. Is that spelled again? No. I'm a support worker now. Okay. Cool. Excellent. Yeah. I did have I did have. Oh, okay. That's alright. Yeah. Sorry. I didn't know what you knew. Yeah. Oh, no. That's okay. So with support work, generally speaking, because of the manual labor that comes from it Mhmm. You're probably more leaning towards any occupational designation. Definition. Yeah. Yep. Which is which is basically the cover that any material would kinda offer. Yep. Yep. Okay. Sounds good. Now what is, I guess, the income that you're on with Yeah. What is my income? Oh, gosh. I should've had this already. Because I know with the last person I had an appointment with, I sent a heap of details to them first. So and now I'm realizing that I haven't you don't know anything about me really, do you? Yeah. Sorry. About yeah. Probably about, like, 15 $1,500 a week, I suppose. I can tell you what that's net. Alright. So we we will be looking well over a 100 thousand for the year then. Yes. Yes. That's right. I'll try and find what I earned last year, for example. Okay. So Cool. I I can I can sort of run off that thing now? Oh, and I can always send the email at the end of the phone call when you get one in your account to look it up. Yeah. And he kinda put through an email with a confirmation of your income Yeah. For the year, at once, preferably. Now being some protection of our probably is if you Mhmm. Damn. No. I haven't had a cold in 10 years, so I think we'll be alright there. Oh, well. Yeah. Yes. Right. Yeah. No. I'm casual. Sure that we can get money coming in as quickly as possible if anything happens. Yeah. Yeah. Now I guess aside from that, with regards to the benefit amount that we need, income protection can cover up to 70 percent as a base of your income. So for example, if you own a 100,000 dollars Mhmm. The policy can pay you $70,000 on the plan. Okay. Yeah. The reason for that is that you can never be better off under claim than what you are working, because the whole point is to try and get me back to work. Yeah. For sure. Yep. Yep. You know, within Sunpro section, there are options that we can sort of boost the benefit. So rather than 70%, we can apply for sort of things up to that 85 percent at least for the first six months of any claim. Okay. Yep. And therefore, like, an additional option that you could put on for policy. Is that something that you wanna Alright. Options. I'm in here. Maybe I think five Okay. Yep. And then I'll get Yeah. Sure. Yep. Which means if you claim that on TV, it cancels the last policy. Okay. What what you're gonna need for cover now? Yeah. Now I guess for the life insurance, did you wanna did you have, like, a certain amount that you wanna leave the kids, or is it just Well, I have specifically, you don't actually want life insurance. Like, if it makes your CBD cheaper, then you'll have it. It's not an important No. It's not. Insurance benefit for you. It's not that important now where, you know sort of as long as I'm not leaving them in debt, really, so they're not gonna be left in debt, and they're all, you know, got their own thing going on. So yeah. I had it it was my life insurance was for 300,000 before. I mean, I guess that's not much anyway. So, realistically, could you still be be that or yes. Yes. There you go. Yeah. Yeah. Yeah. I get you. Yeah. Right. Yeah. Yeah. Yeah. Yeah. Okay. So you see now I only owe, like, a 110, and it's worth a million. So yeah. But on paper on on paper, I owe $2.20, but really only $1.10. Family member pays off the other half. But but yeah. I don't have the other half. Yeah. It's only because someone else pays the other half, but that's not really I don't really advertise that. So this house is in my name. It's my house. So but, yeah, someone else pays half of it off off as well. A family member. So yeah. Yeah. But it doesn't really matter. So just yeah. Low. Yeah. Mhmm. Yeah. Yeah. Yep. Yep. That's fine. Yeah. I don't really know how much it goes up, you know, from having a 100, 200, 304. I don't really know. But I I mean, I'm presuming that 300 is quite low anyway. Is it? Yes? Yeah. Yeah. Yeah. Yeah. It doesn't bother me yet, but I'm fine. Yeah. But you said something before on PPD. You said something before about if something happens to you still get you get paid your life insurance? What was that about? I can't remember. So the life insurance is just if you die. Right? Yes. The life insurance like life insurance policy is paid out if you die or if you're diagnosed with terminal. Or Yes. Totally help. Now that part. Right. So maybe I do need to keep it up high because it's something yeah. So, basically, if you were diagnosed with terminal illness so, for example, I guess, we believe the question of recent case I've gone through. I had a client that was diagnosed with stage four cancer. Yep. He had an insurance benefit called critical illness or trauma cover. I will start basically saying what that does in a second. Yep. But he got paid out three 100 thousand dollars under that policy Mhmm. Based on his diagnosis. Yep. He then claimed income protection, which meant he could stop working, and he got a benefit coming in regularly. Yep. And because of this stage four diagnosis, he was actually given about 12 birthdays. He was paid out his life insurance benefit Okay. Which at the time is not $500,000 Right. Plus his supervisor. Yep. Yep. Good on him. So he should. Yep. Perfect. Yep. Yep. Yeah. Yeah. Yeah. I like the sound of that. Yeah. I'm trying to get it now. Oh, yeah. I didn't mean that. But yeah. You know what I mean? No. It's good to use that as an example. That's a yeah. And that's a good example. As it is. Yeah. It's a good example. Okay. It doesn't mean I'm heartless. I tried when his wife called me and told me he didn't seem to be Oh, yeah. Absolutely. Yeah. No. I love it. It that explains it really well. Yeah. Yep. Yeah. So I would like that. One one diagnosis, one case, one one avenue. Yeah. The I guess, the cool thing with with terminal failure is that a user can plan a little bit more. The one thing a lawyer has always told me is tell me tell me the day before you die, and I can put you in the best position possible. Yeah. Very much same goes for financial planning. If if we we have a a known expiration date, we can definitely plan in the best tax position possible. And that's sort of where things kinda come in. Because when it comes to life insurance, if it goes to your kids through your super fund, your children are non tax dependent, which means they will pay tax on the benefit Yeah. Yeah. Which is the frustrating part. Yeah. If you're diagnosed with family ill, the benefit goes to your tax rate. You're affected what age you are, benefits really can be tax rate, which is, I guess, the benefit on that side. Yes. Yes. Yep. Yep. Yep. That sounds good. Okay. On the other fees, if you just like, AT and T cost. Is it realistically covers your expenses minus your mortgage repayment Yep. Until you're 50 five and or an age doesn't know about you. Okay. Now last record I had was that you were looking to retire around 50 five to 50 seven. Is that really the time? Well, yeah, I I don't not really something I think about, and I am, like, single. So, yeah, not really sure, I guess. That's that's that's okay. We we can go with 57 and and a rough agent now. Did you say 50 7? For a lot of people. Did you say 67 or 57? 60 7. Oh my god. That sounds awful. Wow. I know. Oh, yeah. Okay. But I can go with that. The only thing I think I need to know is how much you actually pay in mortgage payments in cycle week, month. I pay 6 I pay 600 a week. 6 weekly. Cool. Alright. Yep. So six weekly out of the 15 100 that we earn. So we still have that $900 in money that is not tied up with the mortgage per week that we need to actually cover. Yep. But do you but because of the yeah. I don't pay any of my mortgage because I've got people living at my house. So does that count or not really? Oh, okay. Right. This is what you were processing. So Yeah. Are you not living in the house or you're Yeah. I live there too, but I have like, because I have a granny flat. Borders. Yeah. So I have someone living in my granny flat, and then I have someone in my house too. So they both pay 300 each, and then I don't actually pay any. And that covers the mortgage? That covers the mortgage. Yep. Okay. So do we not so we we still need to cover the 15 100 that you're earning then? Because, realistically, you're not paying the mortgage repayment that's being covered by the borders within the house. And irrespective of you, like, if you were to if you were to pay out the mortgage, you'd still need the 15 $100 a week that you earn because the mortgage payment is earning on top of that. Yeah. Okay. Yep. That's, like, cool. Alright. That that explains a little more to what you're sort of referencing on that side. Yeah. Yep. Or whatever it is. Oh, I think it's more. I think it's more than that. Yeah. Yeah. I think it's smaller. Oh, yeah. Because my and I got ordered by Epic and or haven't considered the fact that, hey. I'm paying for insurance premiums from a fund that I've never even looked at, I'd get all over the call call. Okay. Yep. So I I just need to know that the fund can support these premiums long term and, you know, could be in jeopardy of Yeah. Yeah. Because so I'm broke and Oh, well, yeah. Well, yes. Because most of my super is in precious metals as well. So I don't have, like, a great deal of cash. It's getting up it it obviously goes up every week now, but I think I'm gonna go, like, $1,213,000 in cash at the moment. No. That's okay. It's in silver and gold. Yeah. No. That's absolutely that's that's absolutely fine. If you invested however, like, your your jeans are invested Yeah. Just so long as, I guess I just need to know sort of, I guess, what the balance is. So you would have, I guess, the the last report that you did in the investment. Yep. Yeah. If you just send me an email of what you need from me, and I can send it all across. And as far as the as far as the income, can I send you what I earned, like, the last financial year, or you want recently? Yeah? Yeah. Yeah. I haven't done that now. Yeah. Cool. Yep. I think I'll have a look at the rundown thing Yep. And then go from there. Yep. Real speaking, I should be able to get the details coming around within a couple of weeks Yep. Post these in your documents. Yeah. Sure. If you're able to get it back to me for the weekend Yeah. If you want, I can just schedule a meeting for two weeks from today Yep. If that works for you. Sure. Alright. Well, I'll I'll just send you a calendar invite for two weeks from today so that way it's booked in. Mhmm. And otherwise, I'll go to the email with you at the phone. Great. That sounds great. Awesome. Thank you. Of course. I will let you go and finish your drive and get a call booked. Yeah. Yep. Yep. I'm about halfway now. So bloody traffic. I'm sure I'm able to sort of help out with some of it. Yeah. Yeah. See, I'll ring someone else now. Oh, do you see that? That's that's what I go through. Yeah. I think I absolutely just have to drive. Yeah. From work. Yeah. My poor husband hears me constantly. He's gonna ask me, like, my sisters, mama, everyone else. Oh, well, my poor brother, he's like he's he's driving again. He hates me calling when I when I'm driving. So it's like, well, that's the only way you're gonna talk to me. Because if I'm home, I'm busy. And Yeah. When I'm driving, I can talk. That's it. Because he doesn't understand because he doesn't work. You see? And he's he's like, oh, surely you've got some time. I'm like, no. Not really. Otherwise, I'm down the beach enjoying myself. Yeah. I'm enjoying my phone by my phone. Yeah. And I don't take my phone when I go and do, like, cool things. I think that's the worst idea ever. No. I hate my phone. Trust me, man. Cut off from the world. Yeah. Exactly. We're gonna do it, don't we? Beautiful. Beautiful. I wish I could do it more often. Yeah. I know. Are you in the Gold Coast, or you're in Brisbane, or where are you from? Well, I'm from the Gold Coast, but I live halfway through in Brisbane. Oh. I live in Brisbane. Oh, nice one. Awesome. Are you at home now? Because I can see the kids in the background. Yes. Yeah. Yeah. This is Friday. We work from home. So Oh, beautiful. My my husband's on kid duty for the afternoon. Oh, yeah. And then he and I tap tap out and pop over at 05:00, and I Oh. Go back to work and take over kids, and he jumps back on, and he's working for the afternoon. Oh, wow. That works. That's really cool. At least he has, like nice work. Family time and stuff. That's good. Yeah. Alright. Well, tell him tell him you Wednesday. I generally work two good hours. So I'm gonna be six months. Yeah. Yeah. Well, tell him you're finished for the day now. Yeah. Pretty much. Yeah. Yeah. Yeah. Can I get started on your appointment? Yep. Yeah. It'll be dinner on Tae Kwon Do and some Gold Coast show day just tomorrow. Oh, good chance. It's all happening. Easy. Nice weather and stuff or lots of rain up there. You're coming through? Yes. Yes. What happened? Hello? Hello? Hello? Hi. Hello? Are you on? Oh, what happened? Did you do the mute? Oh, okay. Yeah. Okay. No worries. Alright. Well, yeah, I'll let I'll let you go, and thank you. That all sort of made sense to me as much as I can. And, yeah, that's great. Sounds all good. So leave it in your hands, and I'll speak to you soon. Who will? Great. Alright. Thank you. 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girl. I I have Rachel Scholes on the phone. Beautiful. She is in the car, and I asked her if she still has time. And she was like, yeah.\n\nI'm I'm good. Perfect. You've got her in 321. Hello. I'm good.\n\nThanks. Sorry I missed your call. Yeah. Yeah. Yeah.\n\nI was trying to, like, get out of I ended up having to work today, and I finished at three. I was trying to get out on time. So yeah. Yes. Yep.\n\nEssentially, it's kind of a, I guess, a bit of a clean slate. So I wanted to look at everything with the first set of locks. I Yeah. And kind of there was a net. We might as well since the whole thing lapsed.\n\nI was a bit silly. I didn't really realize that I could pay from my super myself. And because Yeah. My super didn't release the money to AIA, and then it just lapsed. And that was, like, really stupid of me.\n\nBecause now here I am again going through it, you know, doing it all. But, I mean, hopefully, there's someone better than the AIA or yeah. I don't know. Well, the good thing is is that, like, we can set it up to be paid from your SMS app Yeah. Straight off of that.\n\nYes. Yes. Yep. Yep. Yeah.\n\nYeah. Sure. Yep. So I want an income protection possibly this time, which I haven't had before. And, yeah, my total current disability and then life insurance not so high because I obviously need money when I'm alive, not when I'm dead.\n\nSo yeah. Yeah. Are you there? Yep. Yes.\n\nYeah. Probably. Yeah. Yeah. No.\n\nI Yes. Yep. Yes. Yes. Yep.\n\nYep. Yep. Yes. Yep. Yeah.\n\nI'm not paying anything personally. It's all gonna be through my super. Yeah. Okay. Yep.\n\nYep. It's just a matter of, like I said, three kind of definitions that your the TPD can be structured through. Now realistically and generally, it is the middle of the run definition that everyone is covered by, and that's what's called an any occupation definition. So it means if you're unable to do any occupation in which you were trained, qualified, or have experiences Mhmm. That's where the policy would pay out.\n\nNow the other definition, which is the less off definition, which is generally not something I ever like writing for my clients and probably not gonna be something that's going to restrict you or or sort of coming to plan for yourself. Okay. Now you're a client operator of design knowledge. Is that spelled again? No.\n\nI'm a support worker now. Okay. Cool. Excellent. Yeah.\n\nI did have I did have. Oh, okay. That's alright. Yeah. Sorry.\n\nI didn't know what you knew. Yeah. Oh, no. That's okay. So with support work, generally speaking, because of the manual labor that comes from it Mhmm.\n\nYou're probably more leaning towards any occupational designation. Definition. Yeah. Yep. Which is which is basically the cover that any material would kinda offer.\n\nYep. Yep. Okay. Sounds good. Now what is, I guess, the income that you're on with Yeah.\n\nWhat is my income? Oh, gosh. I should've had this already. Because I know with the last person I had an appointment with, I sent a heap of details to them first. So and now I'm realizing that I haven't you don't know anything about me really, do you?\n\nYeah. Sorry. About yeah. Probably about, like, 15 $1,500 a week, I suppose. I can tell you what that's net.\n\nAlright. So we we will be looking well over a 100 thousand for the year then. Yes. Yes. That's right.\n\nI'll try and find what I earned last year, for example. Okay. So Cool. I I can I can sort of run off that thing now? Oh, and I can always send the email at the end of the phone call when you get one in your account to look it up.\n\nYeah. And he kinda put through an email with a confirmation of your income Yeah. For the year, at once, preferably. Now being some protection of our probably is if you Mhmm. Damn.\n\nNo. I haven't had a cold in 10 years, so I think we'll be alright there. Oh, well. Yeah. Yes.\n\nRight. Yeah. No. I'm casual. Sure that we can get money coming in as quickly as possible if anything happens.\n\nYeah. Yeah. Now I guess aside from that, with regards to the benefit amount that we need, income protection can cover up to 70 percent as a base of your income. So for example, if you own a 100,000 dollars Mhmm. The policy can pay you $70,000 on the plan.\n\nOkay. Yeah. The reason for that is that you can never be better off under claim than what you are working, because the whole point is to try and get me back to work. Yeah. For sure.\n\nYep. Yep. You know, within Sunpro section, there are options that we can sort of boost the benefit. So rather than 70%, we can apply for sort of things up to that 85 percent at least for the first six months of any claim. Okay.\n\nYep. And therefore, like, an additional option that you could put on for policy. Is that something that you wanna Alright. Options. I'm in here.\n\nMaybe I think five Okay. Yep. And then I'll get Yeah. Sure. Yep.\n\nWhich means if you claim that on TV, it cancels the last policy. Okay. What what you're gonna need for cover now? Yeah. Now I guess for the life insurance, did you wanna did you have, like, a certain amount that you wanna leave the kids, or is it just Well, I have specifically, you don't actually want life insurance.\n\nLike, if it makes your CBD cheaper, then you'll have it. It's not an important No. It's not. Insurance benefit for you. It's not that important now where, you know sort of as long as I'm not leaving them in debt, really, so they're not gonna be left in debt, and they're all, you know, got their own thing going on.\n\nSo yeah. I had it it was my life insurance was for 300,000 before. I mean, I guess that's not much anyway. So, realistically, could you still be be that or yes. Yes.\n\nThere you go. Yeah. Yeah. Yeah. I get you.\n\nYeah. Right. Yeah. Yeah. Yeah.\n\nYeah. Okay. So you see now I only owe, like, a 110, and it's worth a million. So yeah. But on paper on on paper, I owe $2.20, but really only $1.10.\n\nFamily member pays off the other half. But but yeah. I don't have the other half. Yeah. It's only because someone else pays the other half, but that's not really I don't really advertise that.\n\nSo this house is in my name. It's my house. So but, yeah, someone else pays half of it off off as well. A family member. So yeah.\n\nYeah. But it doesn't really matter. So just yeah. Low. Yeah.\n\nMhmm. Yeah. Yeah. Yep. Yep.\n\nThat's fine. Yeah. I don't really know how much it goes up, you know, from having a 100, 200, 304. I don't really know. But I I mean, I'm presuming that 300 is quite low anyway.\n\nIs it? Yes? Yeah. Yeah. Yeah.\n\nYeah. It doesn't bother me yet, but I'm fine. Yeah. But you said something before on PPD. You said something before about if something happens to you still get you get paid your life insurance?\n\nWhat was that about? I can't remember. So the life insurance is just if you die. Right? Yes.\n\nThe life insurance like life insurance policy is paid out if you die or if you're diagnosed with terminal. Or Yes. Totally help. Now that part. Right.\n\nSo maybe I do need to keep it up high because it's something yeah. So, basically, if you were diagnosed with terminal illness so, for example, I guess, we believe the question of recent case I've gone through. I had a client that was diagnosed with stage four cancer. Yep. He had an insurance benefit called critical illness or trauma cover.\n\nI will start basically saying what that does in a second. Yep. But he got paid out three 100 thousand dollars under that policy Mhmm. Based on his diagnosis. Yep.\n\nHe then claimed income protection, which meant he could stop working, and he got a benefit coming in regularly. Yep. And because of this stage four diagnosis, he was actually given about 12 birthdays. He was paid out his life insurance benefit Okay. Which at the time is not $500,000 Right.\n\nPlus his supervisor. Yep. Yep. Good on him. So he should.\n\nYep. Perfect. Yep. Yep. Yeah.\n\nYeah. Yeah. I like the sound of that. Yeah. I'm trying to get it now.\n\nOh, yeah. I didn't mean that. But yeah. You know what I mean? No.\n\nIt's good to use that as an example. That's a yeah. And that's a good example. As it is. Yeah.\n\nIt's a good example. Okay. It doesn't mean I'm heartless. I tried when his wife called me and told me he didn't seem to be Oh, yeah. Absolutely.\n\nYeah. No. I love it. It that explains it really well. Yeah.\n\nYep. Yeah. So I would like that. One one diagnosis, one case, one one avenue. Yeah.\n\nThe I guess, the cool thing with with terminal failure is that a user can plan a little bit more. The one thing a lawyer has always told me is tell me tell me the day before you die, and I can put you in the best position possible. Yeah. Very much same goes for financial planning. If if we we have a a known expiration date, we can definitely plan in the best tax position possible.\n\nAnd that's sort of where things kinda come in. Because when it comes to life insurance, if it goes to your kids through your super fund, your children are non tax dependent, which means they will pay tax on the benefit Yeah. Yeah. Which is the frustrating part. Yeah.\n\nIf you're diagnosed with family ill, the benefit goes to your tax rate. You're affected what age you are, benefits really can be tax rate, which is, I guess, the benefit on that side. Yes. Yes. Yep.\n\nYep. Yep. That sounds good. Okay. On the other fees, if you just like, AT and T cost.\n\nIs it realistically covers your expenses minus your mortgage repayment Yep. Until you're 50 five and or an age doesn't know about you. Okay. Now last record I had was that you were looking to retire around 50 five to 50 seven. Is that really the time?\n\nWell, yeah, I I don't not really something I think about, and I am, like, single. So, yeah, not really sure, I guess. That's that's that's okay. We we can go with 57 and and a rough agent now. Did you say 50 7?\n\nFor a lot of people. Did you say 67 or 57? 60 7. Oh my god. That sounds awful.\n\nWow. I know. Oh, yeah. Okay. But I can go with that.\n\nThe only thing I think I need to know is how much you actually pay in mortgage payments in cycle week, month. I pay 6 I pay 600 a week. 6 weekly. Cool. Alright.\n\nYep. So six weekly out of the 15 100 that we earn. So we still have that $900 in money that is not tied up with the mortgage per week that we need to actually cover. Yep. But do you but because of the yeah.\n\nI don't pay any of my mortgage because I've got people living at my house. So does that count or not really? Oh, okay. Right. This is what you were processing.\n\nSo Yeah. Are you not living in the house or you're Yeah. I live there too, but I have like, because I have a granny flat. Borders. Yeah.\n\nSo I have someone living in my granny flat, and then I have someone in my house too. So they both pay 300 each, and then I don't actually pay any. And that covers the mortgage? That covers the mortgage. Yep.\n\nOkay. So do we not so we we still need to cover the 15 100 that you're earning then? Because, realistically, you're not paying the mortgage repayment that's being covered by the borders within the house. And irrespective of you, like, if you were to if you were to pay out the mortgage, you'd still need the 15 $100 a week that you earn because the mortgage payment is earning on top of that. Yeah.\n\nOkay. Yep. That's, like, cool. Alright. That that explains a little more to what you're sort of referencing on that side.\n\nYeah. Yep. Or whatever it is. Oh, I think it's more. I think it's more than that.\n\nYeah. Yeah. I think it's smaller. Oh, yeah. Because my and I got ordered by Epic and or haven't considered the fact that, hey.\n\nI'm paying for insurance premiums from a fund that I've never even looked at, I'd get all over the call call. Okay. Yep. So I I just need to know that the fund can support these premiums long term and, you know, could be in jeopardy of Yeah. Yeah.\n\nBecause so I'm broke and Oh, well, yeah. Well, yes. Because most of my super is in precious metals as well. So I don't have, like, a great deal of cash. It's getting up it it obviously goes up every week now, but I think I'm gonna go, like, $1,213,000 in cash at the moment.\n\nNo. That's okay. It's in silver and gold. Yeah. No.\n\nThat's absolutely that's that's absolutely fine. If you invested however, like, your your jeans are invested Yeah. Just so long as, I guess I just need to know sort of, I guess, what the balance is. So you would have, I guess, the the last report that you did in the investment. Yep.\n\nYeah. If you just send me an email of what you need from me, and I can send it all across. And as far as the as far as the income, can I send you what I earned, like, the last financial year, or you want recently? Yeah? Yeah.\n\nYeah. I haven't done that now. Yeah. Cool. Yep.\n\nI think I'll have a look at the rundown thing Yep. And then go from there. Yep. Real speaking, I should be able to get the details coming around within a couple of weeks Yep. Post these in your documents.\n\nYeah. Sure. If you're able to get it back to me for the weekend Yeah. If you want, I can just schedule a meeting for two weeks from today Yep. If that works for you.\n\nSure. Alright. Well, I'll I'll just send you a calendar invite for two weeks from today so that way it's booked in. Mhmm. And otherwise, I'll go to the email with you at the phone.\n\nGreat. That sounds great. Awesome. Thank you. Of course.\n\nI will let you go and finish your drive and get a call booked. Yeah. Yep. Yep. I'm about halfway now.\n\nSo bloody traffic. I'm sure I'm able to sort of help out with some of it. Yeah. Yeah. See, I'll ring someone else now.\n\nOh, do you see that? That's that's what I go through. Yeah. I think I absolutely just have to drive. Yeah.\n\nFrom work. Yeah. My poor husband hears me constantly. He's gonna ask me, like, my sisters, mama, everyone else. Oh, well, my poor brother, he's like he's he's driving again.\n\nHe hates me calling when I when I'm driving. So it's like, well, that's the only way you're gonna talk to me. Because if I'm home, I'm busy. And Yeah. When I'm driving, I can talk.\n\nThat's it. Because he doesn't understand because he doesn't work. You see? And he's he's like, oh, surely you've got some time. I'm like, no.\n\nNot really. Otherwise, I'm down the beach enjoying myself. Yeah. I'm enjoying my phone by my phone. Yeah.\n\nAnd I don't take my phone when I go and do, like, cool things. I think that's the worst idea ever. No. I hate my phone. Trust me, man.\n\nCut off from the world. Yeah. Exactly. We're gonna do it, don't we? Beautiful.\n\nBeautiful. I wish I could do it more often. Yeah. I know. Are you in the Gold Coast, or you're in Brisbane, or where are you from?\n\nWell, I'm from the Gold Coast, but I live halfway through in Brisbane. Oh. I live in Brisbane. Oh, nice one. Awesome.\n\nAre you at home now? Because I can see the kids in the background. Yes. Yeah. Yeah.\n\nThis is Friday. We work from home. So Oh, beautiful. My my husband's on kid duty for the afternoon. Oh, yeah.\n\nAnd then he and I tap tap out and pop over at 05:00, and I Oh. Go back to work and take over kids, and he jumps back on, and he's working for the afternoon. Oh, wow. That works. That's really cool.\n\nAt least he has, like nice work. Family time and stuff. That's good. Yeah. Alright.\n\nWell, tell him tell him you Wednesday. I generally work two good hours. So I'm gonna be six months. Yeah. Yeah.\n\nWell, tell him you're finished for the day now. Yeah. Pretty much. Yeah. Yeah.\n\nYeah. Can I get started on your appointment? Yep. Yeah. It'll be dinner on Tae Kwon Do and some Gold Coast show day just tomorrow.\n\nOh, good chance. It's all happening. Easy. Nice weather and stuff or lots of rain up there. You're coming through?\n\nYes. Yes. What happened? Hello? Hello?\n\nHello? Hi. Hello? Are you on? Oh, what happened?\n\nDid you do the mute? Oh, okay. Yeah. Okay. No worries.\n\nAlright. Well, yeah, I'll let I'll let you go, and thank you. That all sort of made sense to me as much as I can. And, yeah, that's great. Sounds all good.\n\nSo leave it in your hands, and I'll speak to you soon. Who will? Great. Alright. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, girl.","start":2.56,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.2762124091386795},{"text":"I I have Rachel Scholes on the phone.","start":4.24,"end":7.46,"sentiment":"neutral","sentiment_score":0.13013510592281818},{"text":"Beautiful.","start":12.32,"end":12.82,"sentiment":"positive","sentiment_score":0.7241462469100952},{"text":"She is in the car, and I asked her if she still has time.","start":12.88,"end":15.914999,"sentiment":"neutral","sentiment_score":0.28714623195784433},{"text":"And she was like, yeah.","start":15.914999,"end":16.875,"sentiment":"neutral","sentiment_score":0.22441840767860413}],"sentiment":"neutral","sentiment_score":0.24865970661242803,"num_words":30,"start":2.56,"end":16.875},{"sentences":[{"text":"I'm I'm good.","start":16.875,"end":17.775,"sentiment":"positive","sentiment_score":0.3596750299135844},{"text":"Perfect.","start":20.795,"end":21.275,"sentiment":"positive","sentiment_score":0.6062087416648865},{"text":"You've got her in 321.","start":21.275,"end":24.654999,"sentiment":"neutral","sentiment_score":0.21751565039157866},{"text":"Hello.","start":29.43,"end":29.93,"sentiment":"neutral","sentiment_score":0.24389678239822388},{"text":"I'm good.","start":29.990002,"end":30.630001,"sentiment":"positive","sentiment_score":0.36918775737285614}],"sentiment":"neutral","sentiment_score":0.31292369837562245,"num_words":12,"start":16.875,"end":30.630001},{"sentences":[{"text":"Thanks.","start":30.630001,"end":31.03,"sentiment":"positive","sentiment_score":0.43317312002182007},{"text":"Sorry I missed your call.","start":31.03,"end":32.33,"sentiment":"neutral","sentiment_score":0.01942570134997368},{"text":"Yeah.","start":51.785,"end":52.105,"sentiment":"neutral","sentiment_score":0.045106399804353714},{"text":"Yeah.","start":52.105,"end":52.265,"sentiment":"neutral","sentiment_score":0.03405579924583435},{"text":"Yeah.","start":52.265,"end":52.585,"sentiment":"neutral","sentiment_score":0.020897505804896355}],"sentiment":"neutral","sentiment_score":0.07004014795853032,"num_words":9,"start":30.630001,"end":52.585},{"sentences":[{"text":"I was trying to, like, get out of I ended up having to work today, and I finished at three.","start":52.585,"end":57.190002,"sentiment":"neutral","sentiment_score":-0.02769730715081096},{"text":"I was trying to get out on time.","start":57.190002,"end":59.43,"sentiment":"neutral","sentiment_score":-0.027444466250017285},{"text":"So yeah.","start":59.43,"end":60.5,"sentiment":"neutral","sentiment_score":-0.004701422527432442},{"text":"Yes.","start":79.595,"end":80.095,"sentiment":"neutral","sentiment_score":0.013113252818584442},{"text":"Yep.","start":88.32,"end":88.82,"sentiment":"neutral","sentiment_score":0.022215768694877625}],"sentiment":"neutral","sentiment_score":-0.023361740517430007,"num_words":32,"start":52.585,"end":88.82},{"sentences":[{"text":"Essentially, it's kind of a, I guess, a bit of a clean slate.","start":91.12,"end":95.14,"sentiment":"neutral","sentiment_score":-0.002286359560317718},{"text":"So I wanted to look at everything with the first set of locks.","start":95.625,"end":98.505005,"sentiment":"neutral","sentiment_score":0.01435476398238769},{"text":"I Yeah.","start":98.505005,"end":99.725,"sentiment":"neutral","sentiment_score":-0.005304048303514719},{"text":"And kind of there was a net.","start":100.745,"end":102.605,"sentiment":"neutral","sentiment_score":-0.02844336868396827},{"text":"We might as well since the whole thing lapsed.","start":102.665,"end":105.405,"sentiment":"neutral","sentiment_score":-0.08956550434231758}],"sentiment":"neutral","sentiment_score":-0.019520726340653546,"num_words":44,"start":91.12,"end":105.405},{"sentences":[{"text":"I was a bit silly.","start":105.945,"end":106.825005,"sentiment":"neutral","sentiment_score":-0.21175528168678284},{"text":"I didn't really realize that I could pay from my super myself.","start":106.825005,"end":111.13,"sentiment":"neutral","sentiment_score":-0.13312320162852606},{"text":"And because Yeah.","start":112.15,"end":113.35,"sentiment":"neutral","sentiment_score":-0.07533627251784007},{"text":"My super didn't release the money to AIA, and then it just lapsed.","start":113.43,"end":117.99,"sentiment":"neutral","sentiment_score":-0.14029397242344344},{"text":"And that was, like, really stupid of me.","start":117.99,"end":120.31,"sentiment":"negative","sentiment_score":-0.47530220076441765}],"sentiment":"neutral","sentiment_score":-0.20752446080853298,"num_words":41,"start":105.945,"end":120.31},{"sentences":[{"text":"Because now here I am again going through it, you know, doing it all.","start":120.31,"end":123.19,"sentiment":"neutral","sentiment_score":-0.2095829067485673},{"text":"But, I mean, hopefully, there's someone better than the AIA or yeah.","start":123.19,"end":127.515,"sentiment":"neutral","sentiment_score":-0.2699621083835761},{"text":"I don't know.","start":127.515,"end":128.41501,"sentiment":"neutral","sentiment_score":-0.1590946912765503},{"text":"Well, the good thing is is that, like, we can set it up to be paid from your SMS app Yeah.","start":129.515,"end":133.955,"sentiment":"neutral","sentiment_score":0.32284638640426455},{"text":"Straight off of that.","start":134.075,"end":135.035,"sentiment":"neutral","sentiment_score":0.09508181735873222}],"sentiment":"neutral","sentiment_score":0.009427987315036633,"num_words":54,"start":120.31,"end":135.035},{"sentences":[{"text":"Yes.","start":135.035,"end":135.535,"sentiment":"neutral","sentiment_score":0.14016152918338776},{"text":"Yes.","start":135.595,"end":136.095,"sentiment":"neutral","sentiment_score":0.1258988976478577},{"text":"Yep.","start":160.235,"end":160.47499,"sentiment":"neutral","sentiment_score":0.026842033490538597},{"text":"Yep.","start":160.47499,"end":160.95499,"sentiment":"neutral","sentiment_score":0.0280854906886816},{"text":"Yeah.","start":160.95499,"end":161.435,"sentiment":"neutral","sentiment_score":0.04582955688238144}],"sentiment":"neutral","sentiment_score":0.07336350157856941,"num_words":5,"start":135.035,"end":161.435},{"sentences":[{"text":"Yeah.","start":161.435,"end":161.75499,"sentiment":"neutral","sentiment_score":0.05615021288394928},{"text":"Sure.","start":161.75499,"end":162.235,"sentiment":"neutral","sentiment_score":0.07407982647418976},{"text":"Yep.","start":162.235,"end":162.635,"sentiment":"neutral","sentiment_score":0.04288113862276077},{"text":"So I want an income protection possibly this time, which I haven't had before.","start":162.635,"end":169.37,"sentiment":"neutral","sentiment_score":-0.004108821307974202},{"text":"And, yeah, my total current disability and then life insurance not so high because I obviously need money when I'm alive, not when I'm dead.","start":169.37,"end":179.45,"sentiment":"neutral","sentiment_score":-0.0969514612853527}],"sentiment":"neutral","sentiment_score":-0.0549571155348704,"num_words":42,"start":161.435,"end":179.45},{"sentences":[{"text":"So yeah.","start":179.45,"end":180.34999,"sentiment":"neutral","sentiment_score":-0.007180515676736832},{"text":"Yeah.","start":186.095,"end":186.595,"sentiment":"neutral","sentiment_score":0.0130299786105752},{"text":"Are you there?","start":186.735,"end":187.555,"sentiment":"neutral","sentiment_score":-0.00514282410343488},{"text":"Yep.","start":190.415,"end":190.915,"sentiment":"neutral","sentiment_score":0.1554555743932724},{"text":"Yes.","start":226.1,"end":226.6,"sentiment":"neutral","sentiment_score":0.05721791461110115}],"sentiment":"neutral","sentiment_score":0.024489245493896306,"num_words":8,"start":179.45,"end":226.6},{"sentences":[{"text":"Yeah.","start":230.5,"end":230.9,"sentiment":"neutral","sentiment_score":0.011858675628900528},{"text":"Probably.","start":230.9,"end":231.4,"sentiment":"neutral","sentiment_score":0.01229440700262785},{"text":"Yeah.","start":231.62,"end":232.02,"sentiment":"neutral","sentiment_score":0.03344862163066864},{"text":"Yeah.","start":232.02,"end":232.5,"sentiment":"neutral","sentiment_score":0.041957296431064606},{"text":"No.","start":232.5,"end":232.98,"sentiment":"neutral","sentiment_score":-0.049646034836769104}],"sentiment":"neutral","sentiment_score":0.009982593171298505,"num_words":5,"start":230.5,"end":232.98},{"sentences":[{"text":"I Yes.","start":232.98,"end":247.86499,"sentiment":"neutral","sentiment_score":0.035540251061320305},{"text":"Yep.","start":265.925,"end":266.425,"sentiment":"neutral","sentiment_score":0.12914100289344788},{"text":"Yes.","start":306.365,"end":306.865,"sentiment":"neutral","sentiment_score":0.08707191050052643},{"text":"Yes.","start":311.78,"end":312.18,"sentiment":"neutral","sentiment_score":0.09338261187076569},{"text":"Yep.","start":312.18,"end":312.5,"sentiment":"neutral","sentiment_score":0.0817040354013443}],"sentiment":"neutral","sentiment_score":0.07706334379812081,"num_words":6,"start":232.98,"end":312.5},{"sentences":[{"text":"Yep.","start":312.5,"end":312.81998,"sentiment":"neutral","sentiment_score":0.07874633371829987},{"text":"Yep.","start":312.81998,"end":313.31998,"sentiment":"neutral","sentiment_score":0.0757206529378891},{"text":"Yes.","start":314.74,"end":315.22,"sentiment":"neutral","sentiment_score":0.10503210127353668},{"text":"Yep.","start":315.22,"end":315.72,"sentiment":"neutral","sentiment_score":0.10695815086364746},{"text":"Yeah.","start":327.805,"end":328.125,"sentiment":"neutral","sentiment_score":0.013467378914356232}],"sentiment":"neutral","sentiment_score":0.07598492354154587,"num_words":5,"start":312.5,"end":328.125},{"sentences":[{"text":"I'm not paying anything personally.","start":328.125,"end":330.145,"sentiment":"neutral","sentiment_score":-0.10819247141480445},{"text":"It's all gonna be through my super.","start":330.365,"end":332.22498,"sentiment":"neutral","sentiment_score":0.0005903824099472591},{"text":"Yeah.","start":334.76498,"end":335.00497,"sentiment":"neutral","sentiment_score":0.05736913159489632},{"text":"Okay.","start":335.00497,"end":335.50497,"sentiment":"neutral","sentiment_score":0.05953219905495643},{"text":"Yep.","start":335.89,"end":336.13,"sentiment":"neutral","sentiment_score":0.07054296135902405}],"sentiment":"neutral","sentiment_score":-0.02329235921303431,"num_words":15,"start":328.125,"end":336.13},{"sentences":[{"text":"Yep.","start":336.13,"end":336.63,"sentiment":"neutral","sentiment_score":0.06760644912719727},{"text":"It's just a matter of, like I said, three kind of definitions that your the TPD can be structured through.","start":350.215,"end":357.57498,"sentiment":"neutral","sentiment_score":0.01673027316574007},{"text":"Now realistically and generally, it is the middle of the run definition that everyone is covered by, and that's what's called an any occupation definition.","start":357.57498,"end":365.77,"sentiment":"neutral","sentiment_score":-0.005799736604094505},{"text":"So it means if you're unable to do any occupation in which you were trained, qualified, or have experiences Mhmm.","start":366.22998,"end":372.66998,"sentiment":"neutral","sentiment_score":-0.04431131472811103},{"text":"That's where the policy would pay out.","start":372.78998,"end":375.28998,"sentiment":"neutral","sentiment_score":-0.03884118103555271}],"sentiment":"neutral","sentiment_score":-0.012341041979061006,"num_words":73,"start":336.13,"end":375.28998},{"sentences":[{"text":"Now the other definition, which is the less off definition, which is generally not something I ever like writing for my clients and probably not gonna be something that's going to restrict you or or sort of coming to plan for yourself.","start":376.205,"end":388.865,"sentiment":"neutral","sentiment_score":-0.022572306783071587},{"text":"Okay.","start":435.27502,"end":435.77502,"sentiment":"neutral","sentiment_score":0.004769165068864822},{"text":"Now you're a client operator of design knowledge.","start":436.875,"end":439.435,"sentiment":"neutral","sentiment_score":0.005057354108430445},{"text":"Is that spelled again?","start":439.435,"end":442.975,"sentiment":"neutral","sentiment_score":-0.0054826142732053995},{"text":"No.","start":443.195,"end":443.435,"sentiment":"neutral","sentiment_score":-0.066192626953125}],"sentiment":"neutral","sentiment_score":-0.017695213767832944,"num_words":56,"start":376.205,"end":443.435},{"sentences":[{"text":"I'm a support worker now.","start":443.435,"end":445.05502,"sentiment":"neutral","sentiment_score":-0.053401602804660796},{"text":"Okay.","start":447.37,"end":447.87,"sentiment":"neutral","sentiment_score":0.15440139174461365},{"text":"Cool.","start":448.41,"end":448.49,"sentiment":"positive","sentiment_score":0.38216954469680786},{"text":"Excellent.","start":448.49,"end":448.99,"sentiment":"positive","sentiment_score":0.37690937519073486},{"text":"Yeah.","start":449.44998,"end":449.93,"sentiment":"neutral","sentiment_score":0.052702099084854126}],"sentiment":"neutral","sentiment_score":0.0776860440770785,"num_words":9,"start":443.435,"end":449.93},{"sentences":[{"text":"I did have I did have.","start":449.93,"end":455.69,"sentiment":"neutral","sentiment_score":-0.00800266427298387},{"text":"Oh, okay.","start":456.81,"end":457.62997,"sentiment":"neutral","sentiment_score":-0.0022404566407203674},{"text":"That's alright.","start":459.05,"end":459.69,"sentiment":"neutral","sentiment_score":0.03371003456413746},{"text":"Yeah.","start":459.69,"end":460.00998,"sentiment":"neutral","sentiment_score":-0.009493809193372726},{"text":"Sorry.","start":460.00998,"end":460.33,"sentiment":"neutral","sentiment_score":-0.08624285459518433}],"sentiment":"neutral","sentiment_score":-0.006734457798302174,"num_words":12,"start":449.93,"end":460.33},{"sentences":[{"text":"I didn't know what you knew.","start":460.33,"end":461.745,"sentiment":"neutral","sentiment_score":-0.1430888014535109},{"text":"Yeah.","start":463.745,"end":464.065,"sentiment":"neutral","sentiment_score":-0.00885162316262722},{"text":"Oh, no.","start":464.065,"end":464.625,"sentiment":"neutral","sentiment_score":-0.03400179743766785},{"text":"That's okay.","start":464.625,"end":465.185,"sentiment":"neutral","sentiment_score":-0.01798832044005394},{"text":"So with support work, generally speaking, because of the manual labor that comes from it Mhmm.","start":465.185,"end":472.165,"sentiment":"neutral","sentiment_score":-0.003911121166311204}],"sentiment":"neutral","sentiment_score":-0.03829417060370798,"num_words":27,"start":460.33,"end":472.165},{"sentences":[{"text":"You're probably more leaning towards any occupational designation.","start":473.345,"end":476.32498,"sentiment":"neutral","sentiment_score":-0.08104655286297202},{"text":"Definition.","start":476.71,"end":477.21,"sentiment":"neutral","sentiment_score":-0.01495081465691328},{"text":"Yeah.","start":477.59,"end":477.75,"sentiment":"neutral","sentiment_score":0.005324601195752621},{"text":"Yep.","start":477.75,"end":478.15,"sentiment":"neutral","sentiment_score":0.005729684140533209},{"text":"Which is which is basically the cover that any material would kinda offer.","start":478.15,"end":482.33,"sentiment":"neutral","sentiment_score":-0.021951605924046956}],"sentiment":"neutral","sentiment_score":-0.03906832621820892,"num_words":24,"start":473.345,"end":482.33},{"sentences":[{"text":"Yep.","start":482.47,"end":482.97,"sentiment":"neutral","sentiment_score":0.05621969699859619},{"text":"Yep.","start":483.34998,"end":483.84998,"sentiment":"neutral","sentiment_score":0.09053376317024232},{"text":"Okay.","start":483.90997,"end":484.40997,"sentiment":"neutral","sentiment_score":0.2821410298347473},{"text":"Sounds good.","start":484.94998,"end":485.69,"sentiment":"positive","sentiment_score":0.45261383056640625},{"text":"Now what is, I guess, the income that you're on with Yeah.","start":486.78998,"end":495.88498,"sentiment":"neutral","sentiment_score":-0.02586551693578561}],"sentiment":"neutral","sentiment_score":0.06021976164158653,"num_words":17,"start":482.47,"end":495.88498},{"sentences":[{"text":"What is my income?","start":497.94498,"end":499.16498,"sentiment":"neutral","sentiment_score":-0.03858129121363163},{"text":"Oh, gosh.","start":507.35,"end":508.25,"sentiment":"neutral","sentiment_score":-0.12533878535032272},{"text":"I should've had this already.","start":508.94998,"end":510.57,"sentiment":"neutral","sentiment_score":-0.2967577695846558},{"text":"Because I know with the last person I had an appointment with, I sent a heap of details to them first.","start":512.79,"end":518.73,"sentiment":"neutral","sentiment_score":-0.19214558743295215},{"text":"So and now I'm realizing that I haven't you don't know anything about me really, do you?","start":519.735,"end":523.915,"sentiment":"neutral","sentiment_score":-0.3182457781889859}],"sentiment":"neutral","sentiment_score":-0.23130667650577974,"num_words":49,"start":497.94498,"end":523.915},{"sentences":[{"text":"Yeah.","start":524.135,"end":524.635,"sentiment":"neutral","sentiment_score":-0.1377825140953064},{"text":"Sorry.","start":524.855,"end":525.355,"sentiment":"neutral","sentiment_score":-0.2094302773475647},{"text":"About yeah.","start":527.255,"end":528.695,"sentiment":"neutral","sentiment_score":-0.21217691898345947},{"text":"Probably about, like, 15 $1,500 a week, I suppose.","start":528.695,"end":533.95996,"sentiment":"neutral","sentiment_score":-0.1481692236330774},{"text":"I can tell you what that's net.","start":535.62,"end":540.75995,"sentiment":"neutral","sentiment_score":-0.055988456521715434}],"sentiment":"neutral","sentiment_score":-0.12485044188797474,"num_words":20,"start":524.135,"end":540.75995},{"sentences":[{"text":"Alright.","start":545.135,"end":545.535,"sentiment":"neutral","sentiment_score":0.016781706362962723},{"text":"So we we will be looking well over a 100 thousand for the year then.","start":545.535,"end":548.915,"sentiment":"neutral","sentiment_score":0.02206275276839733},{"text":"Yes.","start":549.295,"end":549.77496,"sentiment":"neutral","sentiment_score":0.08255302906036377},{"text":"Yes.","start":549.77496,"end":550.095,"sentiment":"neutral","sentiment_score":0.1106497049331665},{"text":"That's right.","start":550.095,"end":550.995,"sentiment":"neutral","sentiment_score":0.20285478234291077}],"sentiment":"neutral","sentiment_score":0.047331764828413725,"num_words":20,"start":545.135,"end":550.995},{"sentences":[{"text":"I'll try and find what I earned last year, for example.","start":551.135,"end":556.035,"sentiment":"neutral","sentiment_score":0.13109992139718749},{"text":"Okay.","start":558.56,"end":558.96,"sentiment":"neutral","sentiment_score":0.29354047775268555},{"text":"So Cool.","start":558.96,"end":560.4,"sentiment":"positive","sentiment_score":0.3603663444519043},{"text":"I I can I can sort of run off that thing now?","start":560.4,"end":562.80005,"sentiment":"neutral","sentiment_score":0.1943601630628109},{"text":"Oh, and I can always send the email at the end of the phone call when you get one in your account to look it up.","start":562.80005,"end":568.80005,"sentiment":"neutral","sentiment_score":0.098203959230047}],"sentiment":"neutral","sentiment_score":0.14119225382231748,"num_words":52,"start":551.135,"end":568.80005},{"sentences":[{"text":"Yeah.","start":568.80005,"end":569.30005,"sentiment":"neutral","sentiment_score":-0.00910490658134222},{"text":"And he kinda put through an email with a confirmation of your income Yeah.","start":569.36005,"end":574.08496,"sentiment":"neutral","sentiment_score":0.08387161871152264},{"text":"For the year, at once, preferably.","start":574.165,"end":576.50494,"sentiment":"neutral","sentiment_score":0.14288790275653204},{"text":"Now being some protection of our probably is if you Mhmm.","start":584.83,"end":591.97,"sentiment":"neutral","sentiment_score":-0.05049786784432151},{"text":"Damn.","start":612.26996,"end":612.76996,"sentiment":"neutral","sentiment_score":-0.2544102668762207}],"sentiment":"neutral","sentiment_score":0.03674358662895181,"num_words":33,"start":568.80005,"end":612.76996},{"sentences":[{"text":"No.","start":613.47,"end":613.63,"sentiment":"neutral","sentiment_score":-0.25197911262512207},{"text":"I haven't had a cold in 10 years, so I think we'll be alright there.","start":613.63,"end":617.81,"sentiment":"neutral","sentiment_score":-0.2332973562180996},{"text":"Oh, well.","start":625.14996,"end":625.70996,"sentiment":"neutral","sentiment_score":0.006103513762354851},{"text":"Yeah.","start":625.70996,"end":626.20996,"sentiment":"neutral","sentiment_score":-0.04805812239646912},{"text":"Yes.","start":645.66003,"end":646.16003,"sentiment":"neutral","sentiment_score":0.07709930837154388}],"sentiment":"neutral","sentiment_score":-0.18550956211984157,"num_words":20,"start":613.47,"end":646.16003},{"sentences":[{"text":"Right.","start":658.42505,"end":658.66504,"sentiment":"neutral","sentiment_score":0.006825797259807587},{"text":"Yeah.","start":658.66504,"end":659.16504,"sentiment":"neutral","sentiment_score":0.015661559998989105},{"text":"No.","start":674.04,"end":674.52,"sentiment":"neutral","sentiment_score":-0.16064652800559998},{"text":"I'm casual.","start":674.52,"end":675.34,"sentiment":"neutral","sentiment_score":-0.18948446214199066},{"text":"Sure that we can get money coming in as quickly as possible if anything happens.","start":698.12006,"end":702.38,"sentiment":"neutral","sentiment_score":0.20518848796685538}],"sentiment":"neutral","sentiment_score":0.1280349612236023,"num_words":20,"start":658.42505,"end":702.38},{"sentences":[{"text":"Yeah.","start":703.32,"end":703.82,"sentiment":"neutral","sentiment_score":0.12536320090293884},{"text":"Yeah.","start":704.545,"end":705.045,"sentiment":"neutral","sentiment_score":0.10722145438194276},{"text":"Now I guess aside from that, with regards to the benefit amount that we need, income protection can cover up to 70 percent as a base of your income.","start":705.585,"end":716.005,"sentiment":"neutral","sentiment_score":0.043965003099934806},{"text":"So for example, if you own a 100,000 dollars Mhmm.","start":716.8,"end":720.32,"sentiment":"neutral","sentiment_score":0.05000811275094748},{"text":"The policy can pay you $70,000 on the 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sure.","start":733.805,"end":734.44495,"sentiment":"neutral","sentiment_score":0.13840044289827347}],"sentiment":"neutral","sentiment_score":0.010555613081197481,"num_words":37,"start":724.16003,"end":734.44495},{"sentences":[{"text":"Yep.","start":734.44495,"end":734.76495,"sentiment":"neutral","sentiment_score":0.1653139889240265},{"text":"Yep.","start":734.76495,"end":735.26495,"sentiment":"neutral","sentiment_score":0.18204745650291443},{"text":"You know, within Sunpro section, there are options that we can sort of boost the benefit.","start":737.08496,"end":743.82495,"sentiment":"neutral","sentiment_score":0.14319115271791816},{"text":"So rather than 70%, we can apply for sort of things up to that 85 percent at least for the first six months of any claim.","start":743.88495,"end":752.46,"sentiment":"neutral","sentiment_score":0.0993280981022578},{"text":"Okay.","start":752.52,"end":753.0,"sentiment":"neutral","sentiment_score":0.05895400419831276}],"sentiment":"neutral","sentiment_score":0.11733120986156993,"num_words":45,"start":734.44495,"end":753.0},{"sentences":[{"text":"Yep.","start":753.0,"end":753.5,"sentiment":"neutral","sentiment_score":0.05948900431394577},{"text":"And therefore, like, an additional option that you could put on for policy.","start":753.56006,"end":756.38,"sentiment":"neutral","sentiment_score":0.04991093306587292},{"text":"Is that something that you wanna Alright.","start":756.52,"end":757.67004,"sentiment":"neutral","sentiment_score":0.05243803613952228},{"text":"Options.","start":757.67004,"end":757.68005,"sentiment":"neutral","sentiment_score":0.03889680281281471},{"text":"I'm in here.","start":757.68005,"end":757.71,"sentiment":"neutral","sentiment_score":0.016710652659336727}],"sentiment":"neutral","sentiment_score":0.04657704591751099,"num_words":25,"start":753.0,"end":757.71},{"sentences":[{"text":"Maybe I think five Okay.","start":757.71,"end":757.77,"sentiment":"neutral","sentiment_score":0.014414256066083908},{"text":"Yep.","start":757.77,"end":757.78,"sentiment":"neutral","sentiment_score":-0.002864070702344179},{"text":"And then I'll get Yeah.","start":757.78,"end":764.515,"sentiment":"neutral","sentiment_score":0.07244548387825489},{"text":"Sure.","start":764.515,"end":765.015,"sentiment":"positive","sentiment_score":0.34673622250556946},{"text":"Yep.","start":765.075,"end":765.575,"sentiment":"neutral","sentiment_score":0.3229867219924927}],"sentiment":"neutral","sentiment_score":0.08470442873210861,"num_words":13,"start":757.71,"end":765.575},{"sentences":[{"text":"Which means if you claim that on TV, it cancels the last policy.","start":788.48505,"end":791.945,"sentiment":"neutral","sentiment_score":-0.19700907170772552},{"text":"Okay.","start":806.06,"end":806.56,"sentiment":"neutral","sentiment_score":0.07990004122257233},{"text":"What what you're gonna need for cover now?","start":840.325,"end":844.825,"sentiment":"neutral","sentiment_score":-0.06399252824485302},{"text":"Yeah.","start":844.965,"end":845.465,"sentiment":"neutral","sentiment_score":0.018125658854842183},{"text":"Now I guess for the life insurance, did you wanna did you have, like, a certain amount that you wanna leave the kids, or is it just Well, I have specifically, you don't actually want life insurance.","start":846.72504,"end":856.83,"sentiment":"neutral","sentiment_score":-0.10683052664673007}],"sentiment":"neutral","sentiment_score":-0.11546269906684756,"num_words":60,"start":788.48505,"end":856.83},{"sentences":[{"text":"Like, if it makes your CBD cheaper, then you'll have it.","start":857.69,"end":862.41003,"sentiment":"neutral","sentiment_score":-0.0837081064554778},{"text":"It's not an important No.","start":862.41003,"end":864.57,"sentiment":"neutral","sentiment_score":-0.18885076642036439},{"text":"It's not.","start":864.57,"end":865.1559,"sentiment":"negative","sentiment_score":-0.362706258893013},{"text":"Insurance benefit for you.","start":865.4567,"end":866.6603,"sentiment":"neutral","sentiment_score":-0.18319445848464966},{"text":"It's not that important now where, you know sort of as long as I'm not leaving them in debt, really, so they're not gonna be left in debt, and they're all, you know, got their own thing going on.","start":866.6603,"end":878.6956,"sentiment":"neutral","sentiment_score":-0.23880917980120733}],"sentiment":"neutral","sentiment_score":-0.20716051421448833,"num_words":61,"start":857.69,"end":878.6956},{"sentences":[{"text":"So yeah.","start":878.6956,"end":879.59827,"sentiment":"neutral","sentiment_score":-0.05227510631084442},{"text":"I had it it was my life insurance was for 300,000 before.","start":879.59827,"end":884.38,"sentiment":"neutral","sentiment_score":-0.05349232628941536},{"text":"I mean, I guess that's not much anyway.","start":885.32,"end":887.26,"sentiment":"neutral","sentiment_score":-0.13074604095891118},{"text":"So, realistically, could you still be be that or yes.","start":887.4,"end":892.22003,"sentiment":"neutral","sentiment_score":-0.0378061942756176},{"text":"Yes.","start":902.325,"end":902.825,"sentiment":"neutral","sentiment_score":0.1333794742822647}],"sentiment":"neutral","sentiment_score":-0.06173057346181436,"num_words":33,"start":878.6956,"end":902.825},{"sentences":[{"text":"There you go.","start":907.525,"end":908.425,"sentiment":"neutral","sentiment_score":0.1499360849459966},{"text":"Yeah.","start":911.49,"end":911.99,"sentiment":"neutral","sentiment_score":0.10067884624004364},{"text":"Yeah.","start":914.85,"end":915.08997,"sentiment":"neutral","sentiment_score":0.05632077902555466},{"text":"Yeah.","start":915.08997,"end":915.57,"sentiment":"neutral","sentiment_score":0.05701557174324989},{"text":"I get you.","start":915.57,"end":916.47,"sentiment":"neutral","sentiment_score":0.04310695454478264}],"sentiment":"neutral","sentiment_score":0.08812714616457622,"num_words":9,"start":907.525,"end":916.47},{"sentences":[{"text":"Yeah.","start":920.69,"end":920.93,"sentiment":"neutral","sentiment_score":0.06509755551815033},{"text":"Right.","start":920.93,"end":921.32996,"sentiment":"neutral","sentiment_score":0.05661771818995476},{"text":"Yeah.","start":921.32996,"end":921.82996,"sentiment":"neutral","sentiment_score":0.03581743687391281},{"text":"Yeah.","start":925.365,"end":925.865,"sentiment":"neutral","sentiment_score":0.014296289533376694},{"text":"Yeah.","start":928.645,"end":929.145,"sentiment":"neutral","sentiment_score":0.016781195998191833}],"sentiment":"neutral","sentiment_score":0.03772203922271729,"num_words":5,"start":920.69,"end":929.145},{"sentences":[{"text":"Yeah.","start":931.925,"end":932.405,"sentiment":"neutral","sentiment_score":0.014637981541454792},{"text":"Okay.","start":932.405,"end":932.885,"sentiment":"neutral","sentiment_score":0.028474751859903336},{"text":"So you see now I only owe, like, a 110, and it's worth a million.","start":932.885,"end":937.945,"sentiment":"neutral","sentiment_score":0.025361323604981105},{"text":"So yeah.","start":938.16504,"end":940.505,"sentiment":"neutral","sentiment_score":0.041425151750445366},{"text":"But on paper on on paper, I owe $2.20, but really only $1.10.","start":941.01,"end":949.43005,"sentiment":"neutral","sentiment_score":-0.012143539909559947}],"sentiment":"neutral","sentiment_score":0.010891152254771441,"num_words":32,"start":931.925,"end":949.43005},{"sentences":[{"text":"Family member pays off the other half.","start":950.85004,"end":952.95,"sentiment":"neutral","sentiment_score":-0.016022995380418643},{"text":"But but yeah.","start":954.53503,"end":955.41504,"sentiment":"neutral","sentiment_score":-0.02382275089621544},{"text":"I don't have the other 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yeah.","start":980.95,"end":981.91003,"sentiment":"neutral","sentiment_score":0.06337374200423558},{"text":"Low.","start":981.91003,"end":982.41003,"sentiment":"neutral","sentiment_score":0.024905303493142128},{"text":"Yeah.","start":985.695,"end":986.195,"sentiment":"neutral","sentiment_score":-0.0004076547920703888}],"sentiment":"neutral","sentiment_score":0.0706187268211083,"num_words":11,"start":976.95,"end":986.195},{"sentences":[{"text":"Mhmm.","start":987.695,"end":988.195,"sentiment":"neutral","sentiment_score":0.01268661767244339},{"text":"Yeah.","start":988.495,"end":988.735,"sentiment":"neutral","sentiment_score":0.05240273475646973},{"text":"Yeah.","start":988.735,"end":989.235,"sentiment":"neutral","sentiment_score":0.09184542298316956},{"text":"Yep.","start":989.85504,"end":990.255,"sentiment":"neutral","sentiment_score":0.12673835456371307},{"text":"Yep.","start":990.255,"end":990.575,"sentiment":"neutral","sentiment_score":0.18880701065063477}],"sentiment":"neutral","sentiment_score":0.0944960281252861,"num_words":5,"start":987.695,"end":990.575},{"sentences":[{"text":"That's fine.","start":990.575,"end":991.395,"sentiment":"neutral","sentiment_score":0.31298600137233734},{"text":"Yeah.","start":993.295,"end":993.615,"sentiment":"neutral","sentiment_score":0.030215803533792496},{"text":"I don't really know how much it goes up, you know, from having a 100, 200, 304.","start":993.615,"end":1000.57,"sentiment":"neutral","sentiment_score":-0.053519991171710635},{"text":"I don't really know.","start":1000.57,"end":1001.37006,"sentiment":"neutral","sentiment_score":-0.11700023710727692},{"text":"But I I mean, I'm presuming that 300 is quite low anyway.","start":1001.37006,"end":1005.07,"sentiment":"neutral","sentiment_score":-0.04364115729307135}],"sentiment":"neutral","sentiment_score":-0.03459296887740493,"num_words":36,"start":990.575,"end":1005.07},{"sentences":[{"text":"Is it?","start":1006.09,"end":1006.73004,"sentiment":"neutral","sentiment_score":0.00013232510536909103},{"text":"Yes?","start":1006.73004,"end":1007.23004,"sentiment":"neutral","sentiment_score":0.01674371212720871},{"text":"Yeah.","start":1022.615,"end":1023.115,"sentiment":"neutral","sentiment_score":0.002694115974009037},{"text":"Yeah.","start":1024.615,"end":1024.775,"sentiment":"neutral","sentiment_score":0.022719550877809525},{"text":"Yeah.","start":1024.775,"end":1025.275,"sentiment":"neutral","sentiment_score":0.02649834379553795}],"sentiment":"neutral","sentiment_score":0.0114867288308839,"num_words":6,"start":1006.09,"end":1025.275},{"sentences":[{"text":"Yeah.","start":1053.21,"end":1053.639,"sentiment":"neutral","sentiment_score":0.02923191338777542},{"text":"It doesn't bother me yet, but I'm fine.","start":1053.639,"end":1057.0719,"sentiment":"neutral","sentiment_score":0.02814734517596662},{"text":"Yeah.","start":1057.0719,"end":1057.501,"sentiment":"neutral","sentiment_score":0.020667964592576027},{"text":"But you said something before on PPD.","start":1057.501,"end":1061.363,"sentiment":"neutral","sentiment_score":-0.012836283738059657},{"text":"You said something before about if something happens to you still get you get paid your life insurance?","start":1061.363,"end":1067.385,"sentiment":"neutral","sentiment_score":-0.028508326245678797}],"sentiment":"neutral","sentiment_score":-0.009369291977158615,"num_words":35,"start":1053.21,"end":1067.385},{"sentences":[{"text":"What was that about?","start":1067.385,"end":1068.1849,"sentiment":"neutral","sentiment_score":-0.03208522079512477},{"text":"I can't remember.","start":1068.1849,"end":1069.085,"sentiment":"neutral","sentiment_score":-0.06731599196791649},{"text":"So the life insurance is just if you die.","start":1071.5449,"end":1074.265,"sentiment":"neutral","sentiment_score":-0.04876699215835995},{"text":"Right?","start":1074.265,"end":1074.765,"sentiment":"neutral","sentiment_score":-0.008830834180116653},{"text":"Yes.","start":1076.745,"end":1077.065,"sentiment":"neutral","sentiment_score":0.016960203647613525}],"sentiment":"neutral","sentiment_score":-0.042281245502332844,"num_words":18,"start":1067.385,"end":1077.065},{"sentences":[{"text":"The life insurance like life insurance policy is paid out if you die or if you're diagnosed with terminal.","start":1077.065,"end":1082.56,"sentiment":"neutral","sentiment_score":-0.010657077753230146},{"text":"Or Yes.","start":1082.62,"end":1083.02,"sentiment":"neutral","sentiment_score":0.07002667710185051},{"text":"Totally help.","start":1083.1,"end":1083.9,"sentiment":"positive","sentiment_score":0.38293178379535675},{"text":"Now that part.","start":1083.9,"end":1084.72,"sentiment":"neutral","sentiment_score":0.21173968414465585},{"text":"Right.","start":1085.26,"end":1085.74,"sentiment":"neutral","sentiment_score":0.08491423726081848}],"sentiment":"neutral","sentiment_score":0.05272465682140103,"num_words":27,"start":1077.065,"end":1085.74},{"sentences":[{"text":"So maybe I do need to keep it up high because it's something yeah.","start":1085.74,"end":1091.575,"sentiment":"neutral","sentiment_score":0.003659733521219875},{"text":"So, basically, if you were diagnosed with terminal illness so, for example, I guess, we believe the question of recent case I've gone through.","start":1091.635,"end":1100.375,"sentiment":"neutral","sentiment_score":-0.04054109239950776},{"text":"I had a client that was diagnosed with stage four cancer.","start":1100.435,"end":1103.795,"sentiment":"neutral","sentiment_score":-0.026931751350110226},{"text":"Yep.","start":1103.795,"end":1104.15,"sentiment":"neutral","sentiment_score":0.000546526163816452},{"text":"He had an insurance benefit called critical illness or trauma cover.","start":1106.0701,"end":1112.47,"sentiment":"neutral","sentiment_score":-0.011368922381238504}],"sentiment":"neutral","sentiment_score":-0.022008374314297172,"num_words":61,"start":1085.74,"end":1112.47},{"sentences":[{"text":"I will start basically saying what that does in a second.","start":1112.47,"end":1115.03,"sentiment":"neutral","sentiment_score":-0.012950009243054823},{"text":"Yep.","start":1115.03,"end":1115.53,"sentiment":"neutral","sentiment_score":-0.0004458905605133623},{"text":"But he got paid out three 100 thousand dollars under that policy Mhmm.","start":1116.23,"end":1119.7749,"sentiment":"neutral","sentiment_score":-0.040453004149290234},{"text":"Based on his diagnosis.","start":1120.1749,"end":1121.395,"sentiment":"neutral","sentiment_score":-0.03649114351719618},{"text":"Yep.","start":1121.695,"end":1122.195,"sentiment":"neutral","sentiment_score":-0.02152693271636963}],"sentiment":"neutral","sentiment_score":-0.027875885098668125,"num_words":30,"start":1112.47,"end":1122.195},{"sentences":[{"text":"He then claimed income protection, which meant he could stop working, and he got a benefit coming in regularly.","start":1122.4149,"end":1128.515,"sentiment":"neutral","sentiment_score":-0.033616177639678904},{"text":"Yep.","start":1128.815,"end":1129.2949,"sentiment":"neutral","sentiment_score":-0.029288258403539658},{"text":"And because of this stage four diagnosis, he was actually given about 12 birthdays.","start":1129.2949,"end":1134.0801,"sentiment":"neutral","sentiment_score":-0.03175054903009108},{"text":"He was paid out his life insurance benefit Okay.","start":1135.66,"end":1139.76,"sentiment":"neutral","sentiment_score":-0.006076528690755367},{"text":"Which at the time is not $500,000 Right.","start":1140.06,"end":1143.01,"sentiment":"neutral","sentiment_score":-0.01155624131206423}],"sentiment":"neutral","sentiment_score":-0.024698862915529925,"num_words":51,"start":1122.4149,"end":1143.01},{"sentences":[{"text":"Plus his supervisor.","start":1143.26,"end":1144.475,"sentiment":"neutral","sentiment_score":0.008780329488217832},{"text":"Yep.","start":1147.1749,"end":1147.6749,"sentiment":"neutral","sentiment_score":0.1157745122909546},{"text":"Yep.","start":1150.455,"end":1150.9349,"sentiment":"neutral","sentiment_score":0.12274888157844543},{"text":"Good on him.","start":1150.9349,"end":1151.655,"sentiment":"neutral","sentiment_score":0.3148900767167409},{"text":"So he should.","start":1151.655,"end":1152.5549,"sentiment":"neutral","sentiment_score":0.1206764504313469}],"sentiment":"neutral","sentiment_score":0.14286945125257428,"num_words":11,"start":1143.26,"end":1152.5549},{"sentences":[{"text":"Yep.","start":1154.775,"end":1155.275,"sentiment":"neutral","sentiment_score":0.010282985866069794},{"text":"Perfect.","start":1156.375,"end":1156.875,"sentiment":"neutral","sentiment_score":-0.10570131242275238},{"text":"Yep.","start":1164.86,"end":1165.36,"sentiment":"neutral","sentiment_score":-0.044516947120428085},{"text":"Yep.","start":1165.82,"end":1166.14,"sentiment":"neutral","sentiment_score":-0.05424549803137779},{"text":"Yeah.","start":1166.14,"end":1166.64,"sentiment":"neutral","sentiment_score":-0.14200158417224884}],"sentiment":"neutral","sentiment_score":-0.06723647117614746,"num_words":5,"start":1154.775,"end":1166.64},{"sentences":[{"text":"Yeah.","start":1174.525,"end":1174.845,"sentiment":"neutral","sentiment_score":-0.11785942316055298},{"text":"Yeah.","start":1174.845,"end":1175.345,"sentiment":"neutral","sentiment_score":-0.10251080989837646},{"text":"I like the sound of that.","start":1176.2849,"end":1177.565,"sentiment":"neutral","sentiment_score":-0.16891514509916306},{"text":"Yeah.","start":1177.565,"end":1178.065,"sentiment":"neutral","sentiment_score":-0.1941300481557846},{"text":"I'm trying to get it now.","start":1180.2849,"end":1181.505,"sentiment":"neutral","sentiment_score":-0.2154964655637741}],"sentiment":"neutral","sentiment_score":-0.1813979963461558,"num_words":15,"start":1174.525,"end":1181.505},{"sentences":[{"text":"Oh, yeah.","start":1182.0449,"end":1182.445,"sentiment":"neutral","sentiment_score":-0.08371448516845703},{"text":"I didn't mean that.","start":1182.445,"end":1183.325,"sentiment":"neutral","sentiment_score":-0.14243306405842304},{"text":"But yeah.","start":1183.325,"end":1183.725,"sentiment":"neutral","sentiment_score":-0.07362136617302895},{"text":"You know what I mean?","start":1183.725,"end":1184.955,"sentiment":"neutral","sentiment_score":-0.10693431943655014},{"text":"No.","start":1193.85,"end":1194.25,"sentiment":"neutral","sentiment_score":-0.07604892551898956}],"sentiment":"neutral","sentiment_score":-0.10679460582988602,"num_words":14,"start":1182.0449,"end":1194.25},{"sentences":[{"text":"It's good to use that as an example.","start":1194.25,"end":1195.9501,"sentiment":"neutral","sentiment_score":-0.02308073383755982},{"text":"That's a yeah.","start":1196.5701,"end":1197.93,"sentiment":"neutral","sentiment_score":-0.003573846692840258},{"text":"And that's a good example.","start":1197.93,"end":1199.0701,"sentiment":"neutral","sentiment_score":0.02839991506189108},{"text":"As it is.","start":1199.85,"end":1200.41,"sentiment":"neutral","sentiment_score":-0.00010718125849962234},{"text":"Yeah.","start":1200.41,"end":1200.89,"sentiment":"neutral","sentiment_score":-0.013143056072294712}],"sentiment":"neutral","sentiment_score":-0.0033416217658668755,"num_words":20,"start":1194.25,"end":1200.89},{"sentences":[{"text":"It's a good example.","start":1200.89,"end":1201.915,"sentiment":"neutral","sentiment_score":-0.20408330485224724},{"text":"Okay.","start":1201.915,"end":1201.9951,"sentiment":"neutral","sentiment_score":-0.1868519186973572},{"text":"It doesn't mean I'm heartless.","start":1201.9951,"end":1203.035,"sentiment":"neutral","sentiment_score":-0.2900572091341019},{"text":"I tried when his wife called me and told me he didn't seem to be Oh, yeah.","start":1203.035,"end":1206.155,"sentiment":"neutral","sentiment_score":-0.13385220836190617},{"text":"Absolutely.","start":1206.155,"end":1206.655,"sentiment":"neutral","sentiment_score":-0.13603141903877258}],"sentiment":"neutral","sentiment_score":-0.1737496480345726,"num_words":28,"start":1200.89,"end":1206.655},{"sentences":[{"text":"Yeah.","start":1207.1951,"end":1207.6951,"sentiment":"neutral","sentiment_score":-0.09382626414299013},{"text":"No.","start":1208.395,"end":1208.795,"sentiment":"neutral","sentiment_score":0.15284720063209534},{"text":"I love it.","start":1208.795,"end":1209.995,"sentiment":"positive","sentiment_score":0.41637396812438965},{"text":"It that explains it really well.","start":1209.995,"end":1211.515,"sentiment":"positive","sentiment_score":0.4556279629468918},{"text":"Yeah.","start":1211.515,"end":1211.915,"sentiment":"neutral","sentiment_score":0.12874820828437805}],"sentiment":"positive","sentiment_score":0.34755490223566693,"num_words":12,"start":1207.1951,"end":1211.915},{"sentences":[{"text":"Yep.","start":1211.915,"end":1212.415,"sentiment":"neutral","sentiment_score":0.09314163029193878},{"text":"Yeah.","start":1213.515,"end":1213.8351,"sentiment":"neutral","sentiment_score":0.04345899820327759},{"text":"So I would like that.","start":1213.8351,"end":1216.82,"sentiment":"neutral","sentiment_score":0.042541124671697614},{"text":"One one diagnosis, one case, one one avenue.","start":1217.0199,"end":1219.9199,"sentiment":"neutral","sentiment_score":0.028808534378185868},{"text":"Yeah.","start":1220.1399,"end":1220.6399,"sentiment":"neutral","sentiment_score":0.023918118327856064}],"sentiment":"neutral","sentiment_score":0.037730790325440466,"num_words":16,"start":1211.915,"end":1220.6399},{"sentences":[{"text":"The I guess, the cool thing with with terminal failure is that a user can plan a little bit more.","start":1221.1,"end":1226.96,"sentiment":"neutral","sentiment_score":-0.018774434830993413},{"text":"The one thing a lawyer has always told me is tell me tell me the day before you die, and I can put you in the best position possible.","start":1228.4249,"end":1233.645,"sentiment":"neutral","sentiment_score":-0.0007329128425696801},{"text":"Yeah.","start":1234.105,"end":1234.605,"sentiment":"neutral","sentiment_score":0.012813559733331203},{"text":"Very much same goes for financial planning.","start":1235.145,"end":1237.625,"sentiment":"neutral","sentiment_score":0.03280517565352576},{"text":"If if we we have a a known expiration date, we can definitely plan in the best tax position possible.","start":1237.625,"end":1244.04,"sentiment":"neutral","sentiment_score":0.0287114767357707}],"sentiment":"neutral","sentiment_score":0.005453716298299176,"num_words":77,"start":1221.1,"end":1244.04},{"sentences":[{"text":"And that's sort of where things kinda come in.","start":1244.8201,"end":1246.9,"sentiment":"neutral","sentiment_score":-0.01098805603881677},{"text":"Because when it comes to life insurance, if it goes to your kids through your super fund, your children are non tax dependent, which means they will pay tax on the benefit Yeah.","start":1246.9,"end":1257.88,"sentiment":"neutral","sentiment_score":-0.0039657677213350935},{"text":"Yeah.","start":1257.885,"end":1258.045,"sentiment":"neutral","sentiment_score":-0.2657245695590973},{"text":"Which is the frustrating part.","start":1258.285,"end":1259.805,"sentiment":"neutral","sentiment_score":-0.3195526897907257},{"text":"Yeah.","start":1259.805,"end":1260.305,"sentiment":"neutral","sentiment_score":-0.1734427511692047}],"sentiment":"neutral","sentiment_score":-0.04625905324153754,"num_words":49,"start":1244.8201,"end":1260.305},{"sentences":[{"text":"If you're diagnosed with family ill, the benefit goes to your tax rate.","start":1261.005,"end":1265.185,"sentiment":"neutral","sentiment_score":-0.19218760614211744},{"text":"You're affected what age you are, benefits really can be tax rate, which is, I guess, the benefit on that side.","start":1266.125,"end":1272.12,"sentiment":"neutral","sentiment_score":-0.1100035331078938},{"text":"Yes.","start":1289.215,"end":1289.375,"sentiment":"neutral","sentiment_score":0.05374332144856453},{"text":"Yes.","start":1289.375,"end":1289.875,"sentiment":"neutral","sentiment_score":0.10931023955345154},{"text":"Yep.","start":1293.455,"end":1293.955,"sentiment":"neutral","sentiment_score":0.1084270104765892}],"sentiment":"neutral","sentiment_score":-0.1226225000982349,"num_words":37,"start":1261.005,"end":1293.955},{"sentences":[{"text":"Yep.","start":1294.735,"end":1294.895,"sentiment":"neutral","sentiment_score":0.0829271525144577},{"text":"Yep.","start":1294.895,"end":1295.2949,"sentiment":"neutral","sentiment_score":0.10068684816360474},{"text":"That sounds good.","start":1295.2949,"end":1296.515,"sentiment":"neutral","sentiment_score":0.1911823774377505},{"text":"Okay.","start":1306.3601,"end":1306.68,"sentiment":"neutral","sentiment_score":0.02926335670053959},{"text":"On the other fees, if you just like, AT and T cost.","start":1307.0,"end":1310.04,"sentiment":"neutral","sentiment_score":0.03903135207171241}],"sentiment":"neutral","sentiment_score":0.0697111508084668,"num_words":18,"start":1294.735,"end":1310.04},{"sentences":[{"text":"Is it realistically covers your expenses minus your mortgage repayment Yep.","start":1310.12,"end":1315.9601,"sentiment":"neutral","sentiment_score":0.014023583170703867},{"text":"Until you're 50 five and or an age doesn't know about you.","start":1316.3601,"end":1320.445,"sentiment":"neutral","sentiment_score":-0.05761913644770781},{"text":"Okay.","start":1320.585,"end":1321.085,"sentiment":"neutral","sentiment_score":0.005625024437904358},{"text":"Now last record I had was that you were looking to retire around 50 five to 50 seven.","start":1321.465,"end":1326.265,"sentiment":"neutral","sentiment_score":-0.03255193245907625},{"text":"Is that really the time?","start":1326.265,"end":1328.205,"sentiment":"neutral","sentiment_score":-0.07282902300357819}],"sentiment":"neutral","sentiment_score":-0.031523938241236386,"num_words":47,"start":1310.12,"end":1328.205},{"sentences":[{"text":"Well, yeah, I I don't not really something I think about, and I am, like, single.","start":1329.465,"end":1334.31,"sentiment":"neutral","sentiment_score":-0.13451290410012007},{"text":"So, yeah, not really sure, I guess.","start":1334.37,"end":1337.11,"sentiment":"neutral","sentiment_score":-0.1322472808616502},{"text":"That's that's that's okay.","start":1341.41,"end":1343.1901,"sentiment":"neutral","sentiment_score":0.2403172142803669},{"text":"We we can go with 57 and and a rough agent now.","start":1343.65,"end":1348.155,"sentiment":"neutral","sentiment_score":0.04522293511157235},{"text":"Did you say 50 7?","start":1348.155,"end":1349.6749,"sentiment":"neutral","sentiment_score":0.009863650426268578}],"sentiment":"neutral","sentiment_score":-0.03465170684185895,"num_words":44,"start":1329.465,"end":1349.6749},{"sentences":[{"text":"For a lot of people.","start":1349.6749,"end":1351.195,"sentiment":"neutral","sentiment_score":0.019533934351056815},{"text":"Did you say 67 or 57?","start":1351.195,"end":1353.695,"sentiment":"neutral","sentiment_score":-0.0004830773686990142},{"text":"60 7.","start":1353.9149,"end":1354.7949,"sentiment":"neutral","sentiment_score":-0.0003290688619017602},{"text":"Oh my god.","start":1354.7949,"end":1355.695,"sentiment":"neutral","sentiment_score":-0.18198663741350174},{"text":"That sounds awful.","start":1356.5549,"end":1357.9349,"sentiment":"negative","sentiment_score":-0.5871091485023499}],"sentiment":"neutral","sentiment_score":-0.11648285725938254,"num_words":19,"start":1349.6749,"end":1357.9349},{"sentences":[{"text":"Wow.","start":1360.0499,"end":1360.5499,"sentiment":"neutral","sentiment_score":-0.10332631319761276},{"text":"I know.","start":1361.1699,"end":1361.91,"sentiment":"neutral","sentiment_score":-0.03892817348241806},{"text":"Oh, yeah.","start":1362.85,"end":1363.65,"sentiment":"neutral","sentiment_score":0.011919084005057812},{"text":"Okay.","start":1363.65,"end":1363.97,"sentiment":"neutral","sentiment_score":0.0234361682087183},{"text":"But I can go with that.","start":1363.97,"end":1365.25,"sentiment":"neutral","sentiment_score":-0.021756473928689957}],"sentiment":"neutral","sentiment_score":-0.022037263959646225,"num_words":12,"start":1360.0499,"end":1365.25},{"sentences":[{"text":"The only thing I think I need to know is how much you actually pay in mortgage payments in cycle week, month.","start":1365.25,"end":1372.765,"sentiment":"neutral","sentiment_score":-0.011876723686741157},{"text":"I pay 6 I pay 600 a week.","start":1372.765,"end":1375.585,"sentiment":"neutral","sentiment_score":0.019631136441603303},{"text":"6 weekly.","start":1377.165,"end":1377.885,"sentiment":"neutral","sentiment_score":0.14147448539733887},{"text":"Cool.","start":1377.885,"end":1378.285,"sentiment":"neutral","sentiment_score":0.240597203373909},{"text":"Alright.","start":1378.285,"end":1378.685,"sentiment":"neutral","sentiment_score":0.16070815920829773}],"sentiment":"neutral","sentiment_score":0.01705927952357075,"num_words":34,"start":1365.25,"end":1378.685},{"sentences":[{"text":"Yep.","start":1378.685,"end":1379.085,"sentiment":"neutral","sentiment_score":0.12024160474538804},{"text":"So six weekly out of the 15 100 that we earn.","start":1379.085,"end":1382.465,"sentiment":"neutral","sentiment_score":0.09163560244170102},{"text":"So we still have that $900 in money that is not tied up with the mortgage per week that we need to actually cover.","start":1382.685,"end":1389.37,"sentiment":"neutral","sentiment_score":0.041095266196255885},{"text":"Yep.","start":1390.39,"end":1390.79,"sentiment":"neutral","sentiment_score":0.013182437047362328},{"text":"But do you but because of the yeah.","start":1390.79,"end":1394.7101,"sentiment":"neutral","sentiment_score":-0.08612133469432592}],"sentiment":"neutral","sentiment_score":0.03197180844015545,"num_words":45,"start":1378.685,"end":1394.7101},{"sentences":[{"text":"I don't pay any of my mortgage because I've got people living at my house.","start":1394.7101,"end":1397.9901,"sentiment":"neutral","sentiment_score":-0.21416353980700176},{"text":"So does that count or not really?","start":1397.9901,"end":1399.93,"sentiment":"neutral","sentiment_score":-0.14531509684664862},{"text":"Oh, okay.","start":1402.045,"end":1403.5651,"sentiment":"neutral","sentiment_score":0.022756610065698624},{"text":"Right.","start":1403.5651,"end":1403.9651,"sentiment":"neutral","sentiment_score":0.010022364556789398},{"text":"This is what you were processing.","start":1403.9651,"end":1405.265,"sentiment":"neutral","sentiment_score":-0.026762092486023903}],"sentiment":"neutral","sentiment_score":-0.13982889500837173,"num_words":31,"start":1394.7101,"end":1405.265},{"sentences":[{"text":"So Yeah.","start":1406.045,"end":1406.4851,"sentiment":"neutral","sentiment_score":-0.020820465870201588},{"text":"Are you not living in the house or you're Yeah.","start":1406.685,"end":1408.925,"sentiment":"neutral","sentiment_score":-0.029128639586269857},{"text":"I live there too, but I have like, because I have a granny flat.","start":1408.925,"end":1412.285,"sentiment":"neutral","sentiment_score":-0.003973298706114292},{"text":"Borders.","start":1412.525,"end":1413.025,"sentiment":"neutral","sentiment_score":-0.0004339317674748599},{"text":"Yeah.","start":1413.0851,"end":1413.5651,"sentiment":"neutral","sentiment_score":0.0227492805570364}],"sentiment":"neutral","sentiment_score":-0.013079934310683581,"num_words":28,"start":1406.045,"end":1413.5651},{"sentences":[{"text":"So I have someone living in my granny flat, and then I have someone in my house too.","start":1413.5651,"end":1417.5,"sentiment":"neutral","sentiment_score":0.016750378378977377},{"text":"So they both pay 300 each, and then I don't actually pay any.","start":1417.5,"end":1421.9,"sentiment":"neutral","sentiment_score":0.0950426754470055},{"text":"And that covers the mortgage?","start":1421.9,"end":1423.12,"sentiment":"neutral","sentiment_score":-0.008924000337719918},{"text":"That covers the mortgage.","start":1423.18,"end":1424.14,"sentiment":"neutral","sentiment_score":-0.01659122435376048},{"text":"Yep.","start":1424.14,"end":1424.64,"sentiment":"neutral","sentiment_score":0.057356007397174835}],"sentiment":"neutral","sentiment_score":0.0361812853640536,"num_words":41,"start":1413.5651,"end":1424.64},{"sentences":[{"text":"Okay.","start":1426.3,"end":1426.8,"sentiment":"neutral","sentiment_score":0.03497051075100899},{"text":"So do we not so we we still need to cover the 15 100 that you're earning then?","start":1427.1,"end":1433.745,"sentiment":"neutral","sentiment_score":-0.01726149581372738},{"text":"Because, realistically, you're not paying the mortgage repayment that's being covered by the borders within the house.","start":1435.885,"end":1442.5449,"sentiment":"neutral","sentiment_score":-0.1232165200087954},{"text":"And irrespective of you, like, if you were to if you were to pay out the mortgage, you'd still need the 15 $100 a week that you earn because the mortgage payment is earning on top of that.","start":1443.005,"end":1458.06,"sentiment":"neutral","sentiment_score":0.00961136528731961},{"text":"Yeah.","start":1458.4401,"end":1458.76,"sentiment":"neutral","sentiment_score":0.04660412669181824}],"sentiment":"neutral","sentiment_score":-0.026114416619141895,"num_words":75,"start":1426.3,"end":1458.76},{"sentences":[{"text":"Okay.","start":1458.76,"end":1459.16,"sentiment":"neutral","sentiment_score":0.0418933741748333},{"text":"Yep.","start":1459.16,"end":1459.66,"sentiment":"neutral","sentiment_score":0.02697211503982544},{"text":"That's, like, cool.","start":1461.625,"end":1462.8251,"sentiment":"neutral","sentiment_score":0.2397332713007927},{"text":"Alright.","start":1462.8251,"end":1463.145,"sentiment":"neutral","sentiment_score":0.12611529231071472},{"text":"That that explains a little more to what you're sort of referencing on that side.","start":1463.145,"end":1467.165,"sentiment":"neutral","sentiment_score":-0.02012007584174474}],"sentiment":"neutral","sentiment_score":0.029160926561980022,"num_words":21,"start":1458.76,"end":1467.165},{"sentences":[{"text":"Yeah.","start":1468.3451,"end":1468.665,"sentiment":"neutral","sentiment_score":0.04133166745305061},{"text":"Yep.","start":1468.665,"end":1469.165,"sentiment":"neutral","sentiment_score":0.04265013337135315},{"text":"Or whatever it is.","start":1476.7301,"end":1478.03,"sentiment":"neutral","sentiment_score":0.00363218504935503},{"text":"Oh, I think it's more.","start":1478.5701,"end":1480.9701,"sentiment":"neutral","sentiment_score":-0.07070652656257152},{"text":"I think it's more than that.","start":1480.9701,"end":1482.3501,"sentiment":"neutral","sentiment_score":-0.038712432918449245}],"sentiment":"neutral","sentiment_score":-0.028664511135395837,"num_words":17,"start":1468.3451,"end":1482.3501},{"sentences":[{"text":"Yeah.","start":1483.2101,"end":1483.6901,"sentiment":"neutral","sentiment_score":-0.006479138508439064},{"text":"Yeah.","start":1483.6901,"end":1484.0901,"sentiment":"neutral","sentiment_score":-0.021006107330322266},{"text":"I think it's smaller.","start":1484.0901,"end":1485.15,"sentiment":"neutral","sentiment_score":-0.08070779219269753},{"text":"Oh, yeah.","start":1487.37,"end":1488.03,"sentiment":"neutral","sentiment_score":-0.012877481058239937},{"text":"Because my and I got ordered by Epic and or haven't considered the fact that, hey.","start":1510.72,"end":1517.135,"sentiment":"neutral","sentiment_score":-0.09735853038728237}],"sentiment":"neutral","sentiment_score":-0.08057532762177289,"num_words":24,"start":1483.2101,"end":1517.135},{"sentences":[{"text":"I'm paying for insurance premiums from a fund that I've never even looked at, I'd get all over the call call.","start":1517.135,"end":1523.7949,"sentiment":"neutral","sentiment_score":-0.10516175343876794},{"text":"Okay.","start":1524.335,"end":1524.735,"sentiment":"neutral","sentiment_score":0.01817099004983902},{"text":"Yep.","start":1524.735,"end":1525.135,"sentiment":"neutral","sentiment_score":0.02417246624827385},{"text":"So I I just need to know that the fund can support these premiums long term and, you know, could be in jeopardy of Yeah.","start":1525.135,"end":1532.36,"sentiment":"neutral","sentiment_score":-0.12021098554134368},{"text":"Yeah.","start":1532.36,"end":1532.52,"sentiment":"neutral","sentiment_score":-0.07704509794712067}],"sentiment":"neutral","sentiment_score":-0.10710965515095361,"num_words":49,"start":1517.135,"end":1532.52},{"sentences":[{"text":"Because so I'm broke and Oh, well, yeah.","start":1532.52,"end":1535.9601,"sentiment":"neutral","sentiment_score":-0.08390372851863503},{"text":"Well, yes.","start":1535.9601,"end":1536.52,"sentiment":"neutral","sentiment_score":-0.008206950034946203},{"text":"Because most of my super is in precious metals as well.","start":1536.52,"end":1540.8401,"sentiment":"neutral","sentiment_score":-0.06728932803327387},{"text":"So I don't have, like, a great deal of cash.","start":1540.8401,"end":1544.5449,"sentiment":"neutral","sentiment_score":-0.1494915045797825},{"text":"It's getting up it it obviously goes up every week now, but I think I'm gonna go, like, $1,213,000 in cash at the moment.","start":1545.4049,"end":1554.75,"sentiment":"neutral","sentiment_score":-0.04370016208849847}],"sentiment":"neutral","sentiment_score":-0.0722099140455777,"num_words":55,"start":1532.52,"end":1554.75},{"sentences":[{"text":"No.","start":1554.97,"end":1555.13,"sentiment":"neutral","sentiment_score":-0.1047707200050354},{"text":"That's okay.","start":1555.13,"end":1555.69,"sentiment":"neutral","sentiment_score":-0.032284220680594444},{"text":"It's in silver and gold.","start":1555.69,"end":1557.87,"sentiment":"neutral","sentiment_score":-0.059337451308965686},{"text":"Yeah.","start":1559.37,"end":1559.77,"sentiment":"neutral","sentiment_score":-0.010939138010144234},{"text":"No.","start":1559.77,"end":1560.27,"sentiment":"neutral","sentiment_score":-0.14543329179286957}],"sentiment":"neutral","sentiment_score":-0.06223988477140665,"num_words":10,"start":1554.97,"end":1560.27},{"sentences":[{"text":"That's absolutely that's that's absolutely fine.","start":1560.33,"end":1562.8099,"sentiment":"neutral","sentiment_score":0.017782742778460186},{"text":"If you invested however, like, your your jeans are invested Yeah.","start":1562.8099,"end":1566.27,"sentiment":"neutral","sentiment_score":-0.029855926775119522},{"text":"Just so long as, I guess I just need to know sort of, I guess, what the balance is.","start":1566.73,"end":1570.4149,"sentiment":"neutral","sentiment_score":-0.1211982038068144},{"text":"So you would have, I guess, the the last report that you did in the investment.","start":1570.4149,"end":1575.5549,"sentiment":"neutral","sentiment_score":0.03590183885535225},{"text":"Yep.","start":1576.0149,"end":1576.5149,"sentiment":"neutral","sentiment_score":0.27152663469314575}],"sentiment":"neutral","sentiment_score":-0.03167035007181595,"num_words":53,"start":1560.33,"end":1576.5149},{"sentences":[{"text":"Yeah.","start":1577.0549,"end":1577.2949,"sentiment":"neutral","sentiment_score":0.3191378712654114},{"text":"If you just send me an email of what you need from me, and I can send it all across.","start":1577.2949,"end":1582.04,"sentiment":"neutral","sentiment_score":0.22252607718110085},{"text":"And as far as the as far as the income, can I send you what I earned, like, the last financial year, or you want recently?","start":1582.04,"end":1589.98,"sentiment":"neutral","sentiment_score":0.02692255564033985},{"text":"Yeah?","start":1591.0,"end":1591.5,"sentiment":"neutral","sentiment_score":0.015242274850606918},{"text":"Yeah.","start":1593.975,"end":1594.475,"sentiment":"neutral","sentiment_score":0.04419989883899689}],"sentiment":"neutral","sentiment_score":0.11283853133114016,"num_words":49,"start":1577.0549,"end":1594.475},{"sentences":[{"text":"Yeah.","start":1595.8151,"end":1596.055,"sentiment":"neutral","sentiment_score":-0.004440664313733578},{"text":"I haven't done that now.","start":1596.055,"end":1597.275,"sentiment":"neutral","sentiment_score":-0.04875303506851196},{"text":"Yeah.","start":1597.735,"end":1598.215,"sentiment":"neutral","sentiment_score":0.21147456765174863},{"text":"Cool.","start":1598.215,"end":1598.715,"sentiment":"positive","sentiment_score":0.4772666394710541},{"text":"Yep.","start":1623.295,"end":1623.795,"sentiment":"neutral","sentiment_score":0.255791574716568}],"sentiment":"neutral","sentiment_score":0.07736966024256414,"num_words":9,"start":1595.8151,"end":1623.795},{"sentences":[{"text":"I think I'll have a look at the rundown thing Yep.","start":1630.975,"end":1634.58,"sentiment":"neutral","sentiment_score":0.17072181403636932},{"text":"And then go from there.","start":1634.74,"end":1636.02,"sentiment":"neutral","sentiment_score":0.0744482271373272},{"text":"Yep.","start":1636.02,"end":1636.34,"sentiment":"neutral","sentiment_score":0.21976757049560547},{"text":"Real speaking, I should be able to get the details coming around within a couple of weeks Yep.","start":1636.34,"end":1640.1399,"sentiment":"neutral","sentiment_score":0.27280213352706695},{"text":"Post these in your documents.","start":1640.34,"end":1641.96,"sentiment":"neutral","sentiment_score":0.08295488208532334}],"sentiment":"neutral","sentiment_score":0.19487903686240315,"num_words":40,"start":1630.975,"end":1641.96},{"sentences":[{"text":"Yeah.","start":1642.18,"end":1642.5,"sentiment":"neutral","sentiment_score":0.1183605045080185},{"text":"Sure.","start":1642.5,"end":1642.74,"sentiment":"neutral","sentiment_score":0.15128876268863678},{"text":"If you're able to get it back to me for the weekend Yeah.","start":1642.74,"end":1645.4199,"sentiment":"neutral","sentiment_score":0.16420038502949935},{"text":"If you want, I can just schedule a meeting for two weeks from today Yep.","start":1645.7,"end":1649.745,"sentiment":"neutral","sentiment_score":0.1778314878543218},{"text":"If that works for you.","start":1649.745,"end":1650.945,"sentiment":"positive","sentiment_score":0.35564327239990234}],"sentiment":"neutral","sentiment_score":0.19571265578269958,"num_words":35,"start":1642.18,"end":1650.945},{"sentences":[{"text":"Sure.","start":1650.945,"end":1651.445,"sentiment":"positive","sentiment_score":0.3603485524654389},{"text":"Alright.","start":1653.185,"end":1653.505,"sentiment":"neutral","sentiment_score":0.04055476188659668},{"text":"Well, I'll I'll just send you a calendar invite for two weeks from today so that way it's booked in.","start":1653.505,"end":1657.825,"sentiment":"neutral","sentiment_score":0.03973469100892544},{"text":"Mhmm.","start":1657.825,"end":1658.325,"sentiment":"neutral","sentiment_score":0.0066984109580516815},{"text":"And otherwise, I'll go to the email with you at the phone.","start":1658.865,"end":1662.645,"sentiment":"neutral","sentiment_score":0.021580316514397662}],"sentiment":"neutral","sentiment_score":0.041750266961753366,"num_words":35,"start":1650.945,"end":1662.645},{"sentences":[{"text":"Great.","start":1663.5701,"end":1663.81,"sentiment":"positive","sentiment_score":0.6520212292671204},{"text":"That sounds great.","start":1663.81,"end":1665.03,"sentiment":"positive","sentiment_score":0.7110321521759033},{"text":"Awesome.","start":1665.65,"end":1666.15,"sentiment":"positive","sentiment_score":0.5646746754646301},{"text":"Thank you.","start":1666.2101,"end":1666.85,"sentiment":"positive","sentiment_score":0.5792617201805115},{"text":"Of course.","start":1666.85,"end":1667.51,"sentiment":"neutral","sentiment_score":0.15936071425676346}],"sentiment":"positive","sentiment_score":0.5363374700148901,"num_words":9,"start":1663.5701,"end":1667.51},{"sentences":[{"text":"I will let you go and finish your drive and get a call booked.","start":1667.89,"end":1671.91,"sentiment":"neutral","sentiment_score":0.07332406259541001},{"text":"Yeah.","start":1671.9701,"end":1672.37,"sentiment":"neutral","sentiment_score":0.04750160127878189},{"text":"Yep.","start":1672.37,"end":1672.6901,"sentiment":"neutral","sentiment_score":0.04389888793230057},{"text":"Yep.","start":1672.6901,"end":1673.01,"sentiment":"neutral","sentiment_score":0.04559924453496933},{"text":"I'm about halfway now.","start":1673.01,"end":1674.77,"sentiment":"neutral","sentiment_score":0.02550588082522154}],"sentiment":"neutral","sentiment_score":0.060264768256318005,"num_words":21,"start":1667.89,"end":1674.77},{"sentences":[{"text":"So bloody traffic.","start":1674.77,"end":1677.505,"sentiment":"neutral","sentiment_score":0.15496769174933434},{"text":"I'm sure I'm able to sort of help out with some of it.","start":1677.505,"end":1680.085,"sentiment":"neutral","sentiment_score":0.06276401246969517},{"text":"Yeah.","start":1680.785,"end":1681.025,"sentiment":"neutral","sentiment_score":-0.00329836830496788},{"text":"Yeah.","start":1681.025,"end":1681.265,"sentiment":"neutral","sentiment_score":-0.017131522297859192},{"text":"See, I'll ring someone else now.","start":1681.265,"end":1682.805,"sentiment":"neutral","sentiment_score":-0.08722410599390666}],"sentiment":"neutral","sentiment_score":0.030710862949490547,"num_words":24,"start":1674.77,"end":1682.805},{"sentences":[{"text":"Oh, do you see that?","start":1684.865,"end":1685.585,"sentiment":"neutral","sentiment_score":-0.02600318640470505},{"text":"That's that's what I go through.","start":1685.585,"end":1686.625,"sentiment":"neutral","sentiment_score":-0.0815684338255475},{"text":"Yeah.","start":1686.625,"end":1686.865,"sentiment":"neutral","sentiment_score":-0.17221161723136902},{"text":"I think I absolutely just have to drive.","start":1686.865,"end":1689.045,"sentiment":"neutral","sentiment_score":-0.23941605910658836},{"text":"Yeah.","start":1689.52,"end":1689.76,"sentiment":"neutral","sentiment_score":-0.06595634669065475}],"sentiment":"neutral","sentiment_score":-0.13204395103578767,"num_words":21,"start":1684.865,"end":1689.76},{"sentences":[{"text":"From work.","start":1689.84,"end":1690.48,"sentiment":"neutral","sentiment_score":-0.10080651193857193},{"text":"Yeah.","start":1690.48,"end":1690.96,"sentiment":"neutral","sentiment_score":-0.10628408193588255},{"text":"My poor husband hears me constantly.","start":1690.96,"end":1692.96,"sentiment":"neutral","sentiment_score":-0.18415562560160956},{"text":"He's gonna ask me, like, my sisters, mama, everyone else.","start":1692.96,"end":1696.4,"sentiment":"neutral","sentiment_score":-0.11306321769952773},{"text":"Oh, well, my poor brother, he's like he's he's driving again.","start":1696.4,"end":1699.84,"sentiment":"neutral","sentiment_score":-0.19427749108184467}],"sentiment":"neutral","sentiment_score":-0.1560171812772751,"num_words":30,"start":1689.84,"end":1699.84},{"sentences":[{"text":"He hates me calling when I when I'm driving.","start":1699.84,"end":1701.94,"sentiment":"neutral","sentiment_score":-0.2878209584289127},{"text":"So it's like, well, that's the only way you're gonna talk to me.","start":1702.1749,"end":1704.575,"sentiment":"neutral","sentiment_score":-0.2303837537765503},{"text":"Because if I'm home, I'm busy.","start":1704.575,"end":1706.275,"sentiment":"neutral","sentiment_score":-0.16805381079514822},{"text":"And Yeah.","start":1707.455,"end":1707.935,"sentiment":"neutral","sentiment_score":-0.0861695148050785},{"text":"When I'm driving, I can 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no.","start":1715.615,"end":1716.4149,"sentiment":"neutral","sentiment_score":-0.167756254474322}],"sentiment":"neutral","sentiment_score":-0.14755231395363808,"num_words":25,"start":1709.375,"end":1716.4149},{"sentences":[{"text":"Not really.","start":1716.4149,"end":1717.155,"sentiment":"neutral","sentiment_score":-0.19386230409145355},{"text":"Otherwise, I'm down the beach enjoying myself.","start":1717.5499,"end":1719.73,"sentiment":"neutral","sentiment_score":0.00034129592989172203},{"text":"Yeah.","start":1720.4299,"end":1720.9299,"sentiment":"neutral","sentiment_score":-0.03118751011788845},{"text":"I'm enjoying my phone by my phone.","start":1721.87,"end":1723.71,"sentiment":"neutral","sentiment_score":0.2836382474218096},{"text":"Yeah.","start":1723.71,"end":1723.95,"sentiment":"neutral","sentiment_score":-0.003687327727675438}],"sentiment":"neutral","sentiment_score":0.08695874207963546,"num_words":18,"start":1716.4149,"end":1723.95},{"sentences":[{"text":"And I don't take my phone when I go and do, like, cool things.","start":1723.95,"end":1726.99,"sentiment":"neutral","sentiment_score":-0.16839717807514326},{"text":"I think that's the worst idea ever.","start":1726.99,"end":1728.91,"sentiment":"neutral","sentiment_score":-0.28214022730078014},{"text":"No.","start":1728.91,"end":1729.15,"sentiment":"neutral","sentiment_score":-0.3014680743217468},{"text":"I hate my phone.","start":1729.15,"end":1730.21,"sentiment":"negative","sentiment_score":-0.3375191017985344},{"text":"Trust me, man.","start":1730.375,"end":1730.775,"sentiment":"neutral","sentiment_score":-0.20637738704681396}],"sentiment":"neutral","sentiment_score":-0.2276971974763377,"num_words":29,"start":1723.95,"end":1730.775},{"sentences":[{"text":"Cut off from the 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often.","start":1738.335,"end":1739.915,"sentiment":"neutral","sentiment_score":0.15641869232058525},{"text":"Yeah.","start":1739.9751,"end":1740.295,"sentiment":"neutral","sentiment_score":0.036535292863845825},{"text":"I know.","start":1740.295,"end":1740.775,"sentiment":"neutral","sentiment_score":0.017298365011811256},{"text":"Are you in the Gold Coast, or you're in Brisbane, or where are you from?","start":1740.775,"end":1744.235,"sentiment":"neutral","sentiment_score":0.012559525358180204}],"sentiment":"neutral","sentiment_score":0.07119344199007308,"num_words":27,"start":1738.135,"end":1744.235},{"sentences":[{"text":"Well, I'm from the Gold Coast, but I live halfway through in Brisbane.","start":1745.77,"end":1749.15,"sentiment":"neutral","sentiment_score":0.019255636331553642},{"text":"Oh.","start":1749.1967,"end":1749.6967,"sentiment":"neutral","sentiment_score":0.01383516937494278},{"text":"I live in Brisbane.","start":1749.7434,"end":1751.8834,"sentiment":"neutral","sentiment_score":0.02323366003111005},{"text":"Oh, nice one.","start":1751.93,"end":1752.89,"sentiment":"neutral","sentiment_score":0.3212000032265981},{"text":"Awesome.","start":1752.89,"end":1753.37,"sentiment":"neutral","sentiment_score":0.29209864139556885}],"sentiment":"neutral","sentiment_score":0.0733087151311338,"num_words":22,"start":1745.77,"end":1753.37},{"sentences":[{"text":"Are you at home now?","start":1753.37,"end":1754.25,"sentiment":"neutral","sentiment_score":0.07244158238172531},{"text":"Because I can see the kids in the background.","start":1754.25,"end":1756.03,"sentiment":"neutral","sentiment_score":0.10467069057954682},{"text":"Yes.","start":1756.5701,"end":1756.89,"sentiment":"neutral","sentiment_score":0.0407542958855629},{"text":"Yeah.","start":1756.89,"end":1757.13,"sentiment":"neutral","sentiment_score":0.04211168363690376},{"text":"Yeah.","start":1757.13,"end":1757.61,"sentiment":"neutral","sentiment_score":0.04309932142496109}],"sentiment":"neutral","sentiment_score":0.08412996635717504,"num_words":17,"start":1753.37,"end":1757.61},{"sentences":[{"text":"This is Friday.","start":1757.61,"end":1758.33,"sentiment":"neutral","sentiment_score":0.05323681856195132},{"text":"We work from home.","start":1758.33,"end":1759.3707,"sentiment":"neutral","sentiment_score":0.06595845799893141},{"text":"So Oh, beautiful.","start":1759.3707,"end":1760.8336,"sentiment":"neutral","sentiment_score":0.27949347098668414},{"text":"My my husband's on kid duty for the afternoon.","start":1760.8336,"end":1764.125,"sentiment":"neutral","sentiment_score":0.06445515735281838},{"text":"Oh, yeah.","start":1764.125,"end":1764.785,"sentiment":"neutral","sentiment_score":0.05968267843127251}],"sentiment":"neutral","sentiment_score":0.09340411779426393,"num_words":21,"start":1757.61,"end":1764.785},{"sentences":[{"text":"And then he and I tap tap out and pop over at 05:00, and I Oh.","start":1764.845,"end":1769.165,"sentiment":"neutral","sentiment_score":0.0289793856209144},{"text":"Go back to work and take over kids, and he jumps back on, and he's working for the afternoon.","start":1769.3251,"end":1774.59,"sentiment":"neutral","sentiment_score":0.04441706267626662},{"text":"Oh, wow.","start":1774.81,"end":1775.47,"sentiment":"neutral","sentiment_score":0.24906699359416962},{"text":"That works.","start":1775.53,"end":1776.3301,"sentiment":"neutral","sentiment_score":0.272324874997139},{"text":"That's really cool.","start":1776.3301,"end":1777.47,"sentiment":"positive","sentiment_score":0.45722752809524536}],"sentiment":"neutral","sentiment_score":0.08862049243457261,"num_words":42,"start":1764.845,"end":1777.47},{"sentences":[{"text":"At least he has, like nice work.","start":1777.6901,"end":1779.13,"sentiment":"positive","sentiment_score":0.3677035868167877},{"text":"Family time and stuff.","start":1779.29,"end":1780.49,"sentiment":"positive","sentiment_score":0.35550830513238907},{"text":"That's good.","start":1780.49,"end":1781.23,"sentiment":"neutral","sentiment_score":0.32972052693367004},{"text":"Yeah.","start":1781.29,"end":1781.79,"sentiment":"neutral","sentiment_score":0.07781217992305756},{"text":"Alright.","start":1782.41,"end":1782.73,"sentiment":"neutral","sentiment_score":0.01644393615424633}],"sentiment":"neutral","sentiment_score":0.3166436998794476,"num_words":15,"start":1777.6901,"end":1782.73},{"sentences":[{"text":"Well, tell him tell him you Wednesday.","start":1782.73,"end":1784.73,"sentiment":"neutral","sentiment_score":-0.013731022631483418},{"text":"I generally work two good hours.","start":1784.73,"end":1786.865,"sentiment":"neutral","sentiment_score":-0.10741853093107541},{"text":"So I'm gonna be six months.","start":1786.925,"end":1788.365,"sentiment":"neutral","sentiment_score":-0.04717516961197058},{"text":"Yeah.","start":1788.365,"end":1788.765,"sentiment":"neutral","sentiment_score":0.013783036731183527},{"text":"Yeah.","start":1788.765,"end":1788.925,"sentiment":"neutral","sentiment_score":0.025381669402122498}],"sentiment":"neutral","sentiment_score":-0.04688165026406447,"num_words":21,"start":1782.73,"end":1788.925},{"sentences":[{"text":"Well, tell him you're finished for the day now.","start":1788.925,"end":1790.9451,"sentiment":"neutral","sentiment_score":0.0474771728946103},{"text":"Yeah.","start":1793.645,"end":1793.965,"sentiment":"neutral","sentiment_score":0.057553257793188095},{"text":"Pretty much.","start":1793.965,"end":1794.685,"sentiment":"neutral","sentiment_score":0.04386627860367298},{"text":"Yeah.","start":1794.685,"end":1795.185,"sentiment":"neutral","sentiment_score":0.10089851170778276},{"text":"Yeah.","start":1795.245,"end":1795.5651,"sentiment":"neutral","sentiment_score":0.01857692375779152}],"sentiment":"neutral","sentiment_score":0.049432557608400075,"num_words":14,"start":1788.925,"end":1795.5651},{"sentences":[{"text":"Yeah.","start":1795.5651,"end":1795.885,"sentiment":"neutral","sentiment_score":0.025498872622847557},{"text":"Can I get started on your appointment?","start":1795.885,"end":1797.585,"sentiment":"neutral","sentiment_score":0.045613564284784455},{"text":"Yep.","start":1798.22,"end":1798.54,"sentiment":"neutral","sentiment_score":0.06026549264788627},{"text":"Yeah.","start":1798.54,"end":1798.62,"sentiment":"neutral","sentiment_score":0.09888850152492525},{"text":"It'll be dinner on Tae Kwon Do and some Gold Coast show day just tomorrow.","start":1798.62,"end":1803.4401,"sentiment":"neutral","sentiment_score":0.06865520477294922}],"sentiment":"neutral","sentiment_score":0.06135103553533554,"num_words":25,"start":1795.5651,"end":1803.4401},{"sentences":[{"text":"Oh, good chance.","start":1804.22,"end":1805.4401,"sentiment":"positive","sentiment_score":0.3526261846224467},{"text":"It's all happening.","start":1805.74,"end":1806.56,"sentiment":"positive","sentiment_score":0.4212382435798645},{"text":"Easy.","start":1806.62,"end":1807.1,"sentiment":"positive","sentiment_score":0.5948095321655273},{"text":"Nice weather and stuff or lots of rain up there.","start":1807.1,"end":1809.92,"sentiment":"positive","sentiment_score":0.6381729960441589},{"text":"You're coming through?","start":1815.1849,"end":1815.985,"sentiment":"neutral","sentiment_score":0.14612036695082983}],"sentiment":"positive","sentiment_score":0.486824693903327,"num_words":20,"start":1804.22,"end":1815.985},{"sentences":[{"text":"Yes.","start":1815.985,"end":1816.3049,"sentiment":"neutral","sentiment_score":0.06741329282522202},{"text":"Yes.","start":1816.3049,"end":1816.625,"sentiment":"neutral","sentiment_score":0.023102669045329097},{"text":"What happened?","start":1816.625,"end":1817.365,"sentiment":"neutral","sentiment_score":-0.04691221844404936},{"text":"Hello?","start":1819.025,"end":1819.525,"sentiment":"neutral","sentiment_score":-0.008548691868782043},{"text":"Hello?","start":1821.505,"end":1822.005,"sentiment":"neutral","sentiment_score":-0.009529707953333856}],"sentiment":"neutral","sentiment_score":-0.003564479139943918,"num_words":6,"start":1815.985,"end":1822.005},{"sentences":[{"text":"Hello?","start":1827.88,"end":1828.38,"sentiment":"neutral","sentiment_score":-0.002115006558597088},{"text":"Hi.","start":1828.44,"end":1828.94,"sentiment":"neutral","sentiment_score":0.006961083970963955},{"text":"Hello?","start":1829.32,"end":1829.82,"sentiment":"neutral","sentiment_score":-0.0016058147884905338},{"text":"Are you on?","start":1831.96,"end":1832.6,"sentiment":"neutral","sentiment_score":-0.01920504868030548},{"text":"Oh, what happened?","start":1832.6,"end":1833.5599,"sentiment":"neutral","sentiment_score":-0.04696465221544107}],"sentiment":"neutral","sentiment_score":-0.021696537784818146,"num_words":9,"start":1827.88,"end":1833.5599},{"sentences":[{"text":"Did you do the mute?","start":1833.5599,"end":1834.7,"sentiment":"neutral","sentiment_score":-0.06346747726202011},{"text":"Oh, okay.","start":1837.96,"end":1838.94,"sentiment":"neutral","sentiment_score":0.03135018050670624},{"text":"Yeah.","start":1839.0,"end":1839.32,"sentiment":"neutral","sentiment_score":0.030411921441555023},{"text":"Okay.","start":1839.32,"end":1839.82,"sentiment":"neutral","sentiment_score":0.047248512506484985},{"text":"No worries.","start":1840.065,"end":1840.725,"sentiment":"neutral","sentiment_score":0.10343101993203163}],"sentiment":"neutral","sentiment_score":0.0027168589559468355,"num_words":11,"start":1833.5599,"end":1840.725},{"sentences":[{"text":"Alright.","start":1840.7849,"end":1841.105,"sentiment":"neutral","sentiment_score":0.3129551112651825},{"text":"Well, yeah, I'll let I'll let you go, and thank you.","start":1841.105,"end":1843.1849,"sentiment":"positive","sentiment_score":0.4581435593691739},{"text":"That all sort of made sense to me as much as I can.","start":1843.1849,"end":1846.705,"sentiment":"positive","sentiment_score":0.5744561690550584},{"text":"And, yeah, that's great.","start":1846.705,"end":1848.385,"sentiment":"positive","sentiment_score":0.7138974070549011},{"text":"Sounds all good.","start":1848.385,"end":1849.105,"sentiment":"positive","sentiment_score":0.7999447584152222}],"sentiment":"positive","sentiment_score":0.5648715114220977,"num_words":32,"start":1840.7849,"end":1849.105},{"sentences":[{"text":"So leave it in your hands, and I'll speak to you soon.","start":1849.105,"end":1852.245,"sentiment":"positive","sentiment_score":0.4071859021981557},{"text":"Who will?","start":1853.7369,"end":1854.9569,"sentiment":"neutral","sentiment_score":0.2169974148273468},{"text":"Great.","start":1855.1769,"end":1855.6769,"sentiment":"positive","sentiment_score":0.5885331034660339},{"text":"Alright.","start":1856.5369,"end":1857.017,"sentiment":"positive","sentiment_score":0.3585662841796875},{"text":"Thank you.","start":1857.017,"end":1857.8369,"sentiment":"positive","sentiment_score":0.4996388405561447}],"sentiment":"positive","sentiment_score":0.40370015137725407,"num_words":18,"start":1849.105,"end":1857.8369},{"sentences":[{"text":"Bye.","start":1857.897,"end":1858.397,"sentiment":"neutral","sentiment_score":-0.1006392538547516}],"sentiment":"neutral","sentiment_score":-0.1006392538547516,"num_words":1,"start":1857.897,"end":1858.397}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hey,\n\nChannel 0: Good.\n\nChannel 1: girl.\n\nChannel 0: Hello?\n\nChannel 1: I I have Rachel Scholes on the phone.\n\nChannel 0: Oh, cool. I was just trying to email her for a perfect time.\n\nChannel 1: Beautiful. She is in the car, and I asked her if she still has time. And she was like, yeah. I'm I'm good.\n\nChannel 0: Okay. Cool. Thank you.\n\nChannel 1: Perfect. You've got her in 321.\n\nChannel 0: Hi, Rachel. Lavista here. How are you going?\n\nChannel 1: Hello. I'm good. Thanks. Sorry I missed your call.\n\nChannel 0: No. That's okay. I was just sending you an email as well just to cover all my bases. I even was even sort of sitting on the the Google Meet because I knew Connor set set the meeting up a Google Meet link as well. So I sort of hit all the bases to try and make sure I could connect with you.\n\nChannel 1: Yeah. Yeah. Yeah. I was trying to, like, get out of I ended up having to work today, and I finished at three. I was trying to get out on time.\n\nSo yeah.\n\nChannel 0: No. You're okay. Look. So long as it sounds like you're you're hands free, I'm more than happy to have a conversation with you anyway to just kind of cover off everything that we need to cover off. So I've I've had a look at your, like, your file history because, obviously, you were\n\nChannel 1: Yes.\n\nChannel 0: kind of Oak Financial and just trying to sort of, I guess, establish where things were previously and kinda go from there. But\n\nChannel 1: Yep.\n\nChannel 0: realistically speaking, essentially, it's kind of\n\nChannel 1: Essentially,\n\nChannel 0: a, I guess, a\n\nChannel 1: it's\n\nChannel 0: bit\n\nChannel 1: kind\n\nChannel 0: of\n\nChannel 1: of\n\nChannel 0: a\n\nChannel 1: a, I guess, a bit of\n\nChannel 0: clean slate.\n\nChannel 1: a clean slate.\n\nChannel 0: So wanting to look\n\nChannel 1: So\n\nChannel 0: at everything\n\nChannel 1: I wanted\n\nChannel 0: with\n\nChannel 1: to\n\nChannel 0: a\n\nChannel 1: look\n\nChannel 0: fresh\n\nChannel 1: at\n\nChannel 0: set\n\nChannel 1: everything\n\nChannel 0: of\n\nChannel 1: with\n\nChannel 0: eyes\n\nChannel 1: the first set of locks.\n\nChannel 0: and\n\nChannel 1: I Yeah.\n\nChannel 0: kind of build\n\nChannel 1: And kind\n\nChannel 0: from there.\n\nChannel 1: of\n\nChannel 0: So\n\nChannel 1: there was a net. We might as well since the whole thing lapsed. I was a bit silly. I didn't really realize that I could pay from my super myself.\n\nChannel 0: Yeah.\n\nChannel 1: And because Yeah. My super didn't release the money to AIA, and then it just lapsed. And that was, like, really\n\nChannel 0: Yep.\n\nChannel 1: stupid of me. Because now here I am again going through it, you know, doing it all. But, I mean, hopefully, there's someone better than the AIA or yeah. I don't know.\n\nChannel 0: Well, the good thing\n\nChannel 1: Well,\n\nChannel 0: is is that, like,\n\nChannel 1: the\n\nChannel 0: we\n\nChannel 1: good\n\nChannel 0: can\n\nChannel 1: thing\n\nChannel 0: set\n\nChannel 1: is\n\nChannel 0: it\n\nChannel 1: is\n\nChannel 0: up\n\nChannel 1: that,\n\nChannel 0: to\n\nChannel 1: like,\n\nChannel 0: pay\n\nChannel 1: we can\n\nChannel 0: from\n\nChannel 1: set\n\nChannel 0: your\n\nChannel 1: it up\n\nChannel 0: SMSF\n\nChannel 1: to be paid from your SMS\n\nChannel 0: straight off the\n\nChannel 1: app\n\nChannel 0: bat.\n\nChannel 1: Yeah. Straight off of that. Yes. Yes.\n\nChannel 0: So, you know, nothing hidden. Nothing need to be changed from there. I so I guess the the the the probably is the thing that we need to start off with, first and foremost, is me, I guess, trying to get a clear understanding as to where you sit now with, I guess, your debts, your liabilities, what you won't cover for, and where I think like, where where your personal situation lies.\n\nChannel 1: Yep. Yep. Yeah. Yeah. Sure.\n\nYep. So I want an income protection possibly this\n\nChannel 0: Yep.\n\nChannel 1: time, which I haven't had before. And, yeah, my total current disability and then life insurance not so high because I obviously need money when I'm alive, not when I'm dead. So yeah.\n\nChannel 0: No. That's okay. Okay. So\n\nChannel 1: Yeah.\n\nChannel 0: we want\n\nChannel 1: Are\n\nChannel 0: sort of,\n\nChannel 1: you there?\n\nChannel 0: I guess Yeah. Yeah. Yeah. I'm here. So\n\nChannel 1: Yep.\n\nChannel 0: I guess that's but we want live TV IP. So that's nice and easy on that front. I guess the I guess the the the clear part that I need to sort of know is what, I guess, cover amounts you want or what you're wanting. Like, do you have an idea as to what you want cover amount wise or or how you want it structured? Or do you want me to kinda go through reexplain like, explain how everything fits, benefits\n\nChannel 1: Yes.\n\nChannel 0: of having it structured inside super versus not? Or\n\nChannel 1: Yeah. Probably. Yeah. Yeah.\n\nChannel 0: okay.\n\nChannel 1: No.\n\nChannel 0: Cool.\n\nChannel 1: I\n\nChannel 0: So we'll start at the beginning and go from there. So life insurance, as you know, pays out if you were to pass away or if you're actually diagnosed as permanently disabled sorry.\n\nChannel 1: Yes.\n\nChannel 0: Permanently ill. The benefit essentially is payable to your estate. Now if you structure life insurance to be paid for personally by you, which means you are both the life insured and the beneficial owner of the policy, there's\n\nChannel 1: Yep.\n\nChannel 0: no tax deductibility for it being paid for by yourself, and the premium actually ends up being a little bit more expensive. Now the benefits of paying for it by yourself is that you can actually leave the benefit to anyone you want, and you're not restricted to, under a superannuation beneficial owner, the restrictions of the fifth regulation or the fifth act, which is where you have to nominate either a spouse or children or a financial dependent. I'm assuming we're probably leaving the benefit to our kids. I know like, I know they're grown, but\n\nChannel 1: Yes.\n\nChannel 0: is that sort of who the benefit would be going to in the event that's happened to you?\n\nChannel 1: Yes. Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yes. Yep.\n\nChannel 0: So, essentially speaking, if if it's paid for by your superannuation fund, the life policy, the benefits are that it's 15% cheaper than if you pay for it personally. The only,\n\nChannel 1: Yeah. I'm not\n\nChannel 0: I guess\n\nChannel 1: paying anything personally. It's all gonna be through my super.\n\nChannel 0: all through the super cool. That's okay.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Alright. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: life endurance, that's how that sort of works. Total permanent disability, there's a couple of different ways that we can structure it. It. Even, like, being paid for by your super fund, absolutely. That's easy enough.\n\nIt's just a matter of\n\nChannel 1: It's just\n\nChannel 0: I guess\n\nChannel 1: a matter\n\nChannel 0: there's\n\nChannel 1: of, like I said,\n\nChannel 0: three kind of\n\nChannel 1: three\n\nChannel 0: definitions\n\nChannel 1: kind\n\nChannel 0: that\n\nChannel 1: of\n\nChannel 0: your\n\nChannel 1: definitions\n\nChannel 0: the TPD\n\nChannel 1: that your\n\nChannel 0: can be\n\nChannel 1: the\n\nChannel 0: structured\n\nChannel 1: TPD\n\nChannel 0: through.\n\nChannel 1: can be\n\nChannel 0: Now\n\nChannel 1: structured\n\nChannel 0: realistically\n\nChannel 1: through. Now\n\nChannel 0: and generally,\n\nChannel 1: realistically and\n\nChannel 0: it is\n\nChannel 1: generally,\n\nChannel 0: the middle of\n\nChannel 1: it\n\nChannel 0: the\n\nChannel 1: is\n\nChannel 0: run\n\nChannel 1: the\n\nChannel 0: definition\n\nChannel 1: middle of the\n\nChannel 0: that\n\nChannel 1: run\n\nChannel 0: everyone\n\nChannel 1: definition\n\nChannel 0: is covered\n\nChannel 1: that\n\nChannel 0: by,\n\nChannel 1: everyone\n\nChannel 0: and\n\nChannel 1: is\n\nChannel 0: that's\n\nChannel 1: covered\n\nChannel 0: what's\n\nChannel 1: by,\n\nChannel 0: called an\n\nChannel 1: and\n\nChannel 0: any\n\nChannel 1: that's what's\n\nChannel 0: occupation\n\nChannel 1: called an\n\nChannel 0: definition.\n\nChannel 1: any occupation\n\nChannel 0: So\n\nChannel 1: definition.\n\nChannel 0: it means if you're\n\nChannel 1: So\n\nChannel 0: unable\n\nChannel 1: it means\n\nChannel 0: to do\n\nChannel 1: if you're\n\nChannel 0: any\n\nChannel 1: unable\n\nChannel 0: occupation\n\nChannel 1: to do\n\nChannel 0: in which\n\nChannel 1: any\n\nChannel 0: you're trained,\n\nChannel 1: occupation\n\nChannel 0: qualified,\n\nChannel 1: in which you were trained,\n\nChannel 0: or have\n\nChannel 1: qualified, or\n\nChannel 0: experience\n\nChannel 1: have\n\nChannel 0: in,\n\nChannel 1: experiences\n\nChannel 0: that's where the\n\nChannel 1: Mhmm.\n\nChannel 0: policy\n\nChannel 1: That's\n\nChannel 0: would\n\nChannel 1: where\n\nChannel 0: pay\n\nChannel 1: the policy\n\nChannel 0: out.\n\nChannel 1: would pay out.\n\nChannel 0: Now the other definition,\n\nChannel 1: Now the\n\nChannel 0: which\n\nChannel 1: other\n\nChannel 0: is the\n\nChannel 1: definition,\n\nChannel 0: lesser\n\nChannel 1: which\n\nChannel 0: definition,\n\nChannel 1: is the less\n\nChannel 0: which\n\nChannel 1: off\n\nChannel 0: is\n\nChannel 1: definition,\n\nChannel 0: generally not something\n\nChannel 1: which\n\nChannel 0: I ever\n\nChannel 1: is generally\n\nChannel 0: like\n\nChannel 1: not\n\nChannel 0: writing\n\nChannel 1: something\n\nChannel 0: for\n\nChannel 1: I\n\nChannel 0: my\n\nChannel 1: ever\n\nChannel 0: clients\n\nChannel 1: like writing\n\nChannel 0: and\n\nChannel 1: for\n\nChannel 0: probably\n\nChannel 1: my clients\n\nChannel 0: not gonna\n\nChannel 1: and\n\nChannel 0: be something\n\nChannel 1: probably\n\nChannel 0: that's\n\nChannel 1: not\n\nChannel 0: going\n\nChannel 1: gonna be\n\nChannel 0: to\n\nChannel 1: something\n\nChannel 0: restrict\n\nChannel 1: that's going\n\nChannel 0: you\n\nChannel 1: to restrict you\n\nChannel 0: or or or sort of come\n\nChannel 1: or\n\nChannel 0: into\n\nChannel 1: or\n\nChannel 0: play\n\nChannel 1: sort\n\nChannel 0: for\n\nChannel 1: of\n\nChannel 0: yourself,\n\nChannel 1: coming to plan for yourself.\n\nChannel 0: is what's called activities of daily living or it's called loss of independence. So it's where basically you you have to lose lose your independence in being able to do activities of of your daily life to be able to to be able to to sort of take on that policy or or take on that claim, I should say. Now the higher definition for PPD cup is what's called an own occupation definition. Now to get an own occupation definition, generally, you have to pay for some of the premium out of pocket. But what it means is that if you're unable to do your own occupation, then the policy will pay out irrespective of whether you can go back to work and do any other job.\n\nChannel 1: Okay.\n\nChannel 0: Now you're a plant operator\n\nChannel 1: Now you're a\n\nChannel 0: to\n\nChannel 1: client\n\nChannel 0: find\n\nChannel 1: operator\n\nChannel 0: knowledge, like,\n\nChannel 1: of\n\nChannel 0: in\n\nChannel 1: design\n\nChannel 0: the mine\n\nChannel 1: knowledge.\n\nChannel 0: mine\n\nChannel 1: Is that\n\nChannel 0: sector. Is that still the case?\n\nChannel 1: spelled again? No. I'm a support worker now.\n\nChannel 0: Okay. Cool.\n\nChannel 1: Okay.\n\nChannel 0: Excellent.\n\nChannel 1: Cool. Excellent.\n\nChannel 0: I did have\n\nChannel 1: Yeah.\n\nChannel 0: I did have\n\nChannel 1: I\n\nChannel 0: notes\n\nChannel 1: did have\n\nChannel 0: when I was looking at your file that that\n\nChannel 1: I\n\nChannel 0: there was sort of maybe\n\nChannel 1: did\n\nChannel 0: indication that you might have gone to support\n\nChannel 1: have.\n\nChannel 0: work. I just wasn't\n\nChannel 1: Oh, okay.\n\nChannel 0: a 100%. So\n\nChannel 1: That's alright. Yeah. Sorry. I didn't know what you knew.\n\nChannel 0: cool. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: no. That's okay. So\n\nChannel 0: so with support work,\n\nChannel 1: with support\n\nChannel 0: generally\n\nChannel 1: work,\n\nChannel 0: speaking,\n\nChannel 1: generally\n\nChannel 0: because of\n\nChannel 1: speaking,\n\nChannel 0: the manual\n\nChannel 1: because\n\nChannel 0: labor\n\nChannel 1: of\n\nChannel 0: that\n\nChannel 1: the manual\n\nChannel 0: comes from\n\nChannel 1: labor\n\nChannel 0: it,\n\nChannel 1: that comes from it Mhmm.\n\nChannel 0: you're probably more\n\nChannel 1: You're\n\nChannel 0: leaning\n\nChannel 1: probably\n\nChannel 0: towards an\n\nChannel 1: more\n\nChannel 0: any\n\nChannel 1: leaning\n\nChannel 0: occupation\n\nChannel 1: towards any\n\nChannel 0: definition,\n\nChannel 1: occupational designation. Definition.\n\nChannel 0: which is\n\nChannel 1: Yeah.\n\nChannel 0: which\n\nChannel 1: Yep.\n\nChannel 0: is basically\n\nChannel 1: Which is which\n\nChannel 0: the\n\nChannel 1: is\n\nChannel 0: cover\n\nChannel 1: basically\n\nChannel 0: that any\n\nChannel 1: the cover\n\nChannel 0: insurer\n\nChannel 1: that any\n\nChannel 0: would kind of\n\nChannel 1: material\n\nChannel 0: offer.\n\nChannel 1: would kinda offer. Yep. Yep. Okay. Sounds good.\n\nChannel 0: Now\n\nChannel 1: Now\n\nChannel 0: what\n\nChannel 1: what\n\nChannel 0: is, I guess, the\n\nChannel 1: is,\n\nChannel 0: income\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: guess,\n\nChannel 0: you're\n\nChannel 1: the\n\nChannel 0: on\n\nChannel 1: income that you're on\n\nChannel 0: with with your\n\nChannel 1: with\n\nChannel 0: with your job occupation?\n\nChannel 1: Yeah. What is my income?\n\nChannel 0: Oh, what yeah. What yeah. What's your income at the moment?\n\nChannel 1: Oh, gosh. I should've had this already. Because I know with the last person I had an appointment with, I sent a heap of details to them first. So and now I'm realizing that I haven't you don't know anything about me really, do you? Yeah.\n\nSorry.\n\nChannel 0: No.\n\nChannel 1: About yeah.\n\nChannel 0: My\n\nChannel 1: Probably\n\nChannel 0: my records\n\nChannel 1: about,\n\nChannel 0: kind\n\nChannel 1: like,\n\nChannel 0: of\n\nChannel 1: 15\n\nChannel 0: ceased a couple years ago.\n\nChannel 1: $1,500 a week, I suppose. I\n\nChannel 0: Is\n\nChannel 1: can\n\nChannel 0: that\n\nChannel 1: tell\n\nChannel 0: net\n\nChannel 1: you\n\nChannel 0: or\n\nChannel 1: what\n\nChannel 0: gross? 1,500 a week.\n\nChannel 1: that's net.\n\nChannel 0: Okay. So net 1,500. Alright. So we'll we'll\n\nChannel 1: Alright.\n\nChannel 0: be looking\n\nChannel 1: So\n\nChannel 0: well\n\nChannel 1: we\n\nChannel 0: over a 100\n\nChannel 1: we\n\nChannel 0: thousand\n\nChannel 1: will be looking\n\nChannel 0: for\n\nChannel 1: well\n\nChannel 0: the\n\nChannel 1: over\n\nChannel 0: year\n\nChannel 1: a 100\n\nChannel 0: then.\n\nChannel 1: thousand for the year then. Yes. Yes. That's right. I'll try and find what I earned last year, for example.\n\nOkay. So\n\nChannel 0: Cool. I I can I can\n\nChannel 1: Cool.\n\nChannel 0: sort of run\n\nChannel 1: I I\n\nChannel 0: off\n\nChannel 1: can\n\nChannel 0: that\n\nChannel 1: I can sort\n\nChannel 0: for\n\nChannel 1: of run\n\nChannel 0: now,\n\nChannel 1: off\n\nChannel 0: and\n\nChannel 1: that\n\nChannel 0: I can\n\nChannel 1: thing\n\nChannel 0: always\n\nChannel 1: now?\n\nChannel 0: send you an\n\nChannel 1: Oh,\n\nChannel 0: email\n\nChannel 1: and I\n\nChannel 0: at\n\nChannel 1: can\n\nChannel 0: the\n\nChannel 1: always\n\nChannel 0: end of\n\nChannel 1: send the email at the end of\n\nChannel 0: our phone call when you get home\n\nChannel 1: the phone\n\nChannel 0: and you're\n\nChannel 1: call\n\nChannel 0: able\n\nChannel 1: when you\n\nChannel 0: to\n\nChannel 1: get one\n\nChannel 0: look it\n\nChannel 1: in\n\nChannel 0: up?\n\nChannel 1: your account to look it\n\nChannel 0: And\n\nChannel 1: up.\n\nChannel 0: you can try\n\nChannel 1: Yeah.\n\nChannel 0: to flick through\n\nChannel 1: And\n\nChannel 0: an\n\nChannel 1: he\n\nChannel 0: email\n\nChannel 1: kinda put\n\nChannel 0: with,\n\nChannel 1: through an email\n\nChannel 0: like, confirmation\n\nChannel 1: with\n\nChannel 0: of your\n\nChannel 1: a\n\nChannel 0: income\n\nChannel 1: confirmation of your income\n\nChannel 0: for the year,\n\nChannel 1: Yeah.\n\nChannel 0: gross\n\nChannel 1: For the year,\n\nChannel 0: preferably\n\nChannel 1: at once,\n\nChannel 0: rather than net.\n\nChannel 1: preferably.\n\nChannel 0: But if it is net, then I'm more than happy to I can gross it up. That's easy enough. Now income protection\n\nChannel 1: Now being some\n\nChannel 0: cover\n\nChannel 1: protection of\n\nChannel 0: covers you\n\nChannel 1: our probably\n\nChannel 0: if\n\nChannel 1: is\n\nChannel 0: you are ill, injured,\n\nChannel 1: if you\n\nChannel 0: unable to work. The whole point\n\nChannel 1: Mhmm.\n\nChannel 0: of it is it's a short term benefit, so it gives you cover in the event that you cannot attend work. And there's a waiting period that you have to serve out. So if you get a cold, generally, it's not something that's gonna cover you for the week or two that, you know, you've got a cold. You know, I'm sure you\n\nChannel 1: Damn.\n\nChannel 0: can hear me at the\n\nChannel 1: No.\n\nChannel 0: moment\n\nChannel 1: I haven't\n\nChannel 0: and the\n\nChannel 1: had a\n\nChannel 0: delicious\n\nChannel 1: cold\n\nChannel 0: husky\n\nChannel 1: in 10\n\nChannel 0: voice.\n\nChannel 1: years, so I think we'll be alright\n\nChannel 0: Oh,\n\nChannel 1: there.\n\nChannel 0: bless. One of my children brought home something, and I'm I'm rocking a solid head cold this week. But anyway\n\nChannel 1: Oh, well. Yeah.\n\nChannel 0: no. That's okay. So, yeah, the the the income protection basically is there to generally give you a benefit. The waiting periods are sort of thirty, fifty, ninety days. So what mean what\n\nChannel 1: Yes.\n\nChannel 0: that means is you have to sort out the waiting period and then the benefit pays you at the end of the following month. So on a thirty day waiting period, you're not generally gonna see a benefit paid to you until day 60. On\n\nChannel 1: Right.\n\nChannel 0: a 60\n\nChannel 1: Yeah.\n\nChannel 0: day waiting period, it's day 90. On a ninety day, it's, like, day a 120. Now with your job, do you have sick leave, long service leave, annual leave accrued?\n\nChannel 1: No. I'm casual.\n\nChannel 0: Okay. So in other words, we're probably gonna be looking at the shortest possible waiting period possible, which I can have a look because there are some providers that offer a twenty one day, forty and a fourteen day waiting period. So I'll have a look and see whether there's any that offer within your occupation and what we can get there to ensure that we can get\n\nChannel 1: Sure that we\n\nChannel 0: money\n\nChannel 1: can\n\nChannel 0: coming\n\nChannel 1: get\n\nChannel 0: in as quickly\n\nChannel 1: money\n\nChannel 0: as\n\nChannel 1: coming\n\nChannel 0: possible\n\nChannel 1: in\n\nChannel 0: if\n\nChannel 1: as quickly\n\nChannel 0: anything\n\nChannel 1: as\n\nChannel 0: happens.\n\nChannel 1: possible if anything happens. Yeah. Yeah.\n\nChannel 0: Now I guess aside\n\nChannel 1: Now\n\nChannel 0: from that,\n\nChannel 1: I guess\n\nChannel 0: with\n\nChannel 1: aside\n\nChannel 0: regards\n\nChannel 1: from that,\n\nChannel 0: to\n\nChannel 1: with regards to\n\nChannel 0: the benefit amounts\n\nChannel 1: the\n\nChannel 0: that\n\nChannel 1: benefit\n\nChannel 0: we need,\n\nChannel 1: amount that\n\nChannel 0: income\n\nChannel 1: we need,\n\nChannel 0: protection\n\nChannel 1: income\n\nChannel 0: can cover\n\nChannel 1: protection\n\nChannel 0: up to\n\nChannel 1: can\n\nChannel 0: 70\n\nChannel 1: cover\n\nChannel 0: percent\n\nChannel 1: up to\n\nChannel 0: as\n\nChannel 1: 70\n\nChannel 0: a base\n\nChannel 1: percent\n\nChannel 0: of your\n\nChannel 1: as\n\nChannel 0: income.\n\nChannel 1: a base of your income.\n\nChannel 0: So for example, if\n\nChannel 1: So\n\nChannel 0: you\n\nChannel 1: for example,\n\nChannel 0: earn a 100,000\n\nChannel 1: if you own\n\nChannel 0: dollars,\n\nChannel 1: a 100,000\n\nChannel 0: the\n\nChannel 1: dollars\n\nChannel 0: policy can\n\nChannel 1: Mhmm.\n\nChannel 0: pay you\n\nChannel 1: The\n\nChannel 0: 70\n\nChannel 1: policy\n\nChannel 0: thousand\n\nChannel 1: can pay\n\nChannel 0: dollars.\n\nChannel 1: you $70,000\n\nChannel 0: The\n\nChannel 1: on the plan. Okay. Yeah.\n\nChannel 0: whole reason for that is\n\nChannel 1: The\n\nChannel 0: that\n\nChannel 1: reason\n\nChannel 0: you can\n\nChannel 1: for\n\nChannel 0: never\n\nChannel 1: that\n\nChannel 0: be\n\nChannel 1: is that\n\nChannel 0: better\n\nChannel 1: you can\n\nChannel 0: off\n\nChannel 1: never be\n\nChannel 0: underclaim\n\nChannel 1: better off\n\nChannel 0: what you\n\nChannel 1: under\n\nChannel 0: are working\n\nChannel 1: claim than\n\nChannel 0: because\n\nChannel 1: what\n\nChannel 0: the\n\nChannel 1: you\n\nChannel 0: whole\n\nChannel 1: are\n\nChannel 0: point is\n\nChannel 1: working,\n\nChannel 0: to try\n\nChannel 1: because the\n\nChannel 0: and\n\nChannel 1: whole\n\nChannel 0: get you\n\nChannel 1: point\n\nChannel 0: back\n\nChannel 1: is\n\nChannel 0: to\n\nChannel 1: to\n\nChannel 0: work.\n\nChannel 1: try and get me back to work. Yeah. For sure. Yep. Yep.\n\nChannel 0: Now with Incon\n\nChannel 1: You\n\nChannel 0: Protection,\n\nChannel 1: know, within\n\nChannel 0: there\n\nChannel 1: Sunpro\n\nChannel 0: are\n\nChannel 1: section,\n\nChannel 0: options\n\nChannel 1: there\n\nChannel 0: that\n\nChannel 1: are\n\nChannel 0: we can sort\n\nChannel 1: options\n\nChannel 0: of boost\n\nChannel 1: that we can sort of boost\n\nChannel 0: the benefit. So\n\nChannel 1: the\n\nChannel 0: rather\n\nChannel 1: benefit.\n\nChannel 0: than 70\n\nChannel 1: So\n\nChannel 0: percent,\n\nChannel 1: rather\n\nChannel 0: we\n\nChannel 1: than\n\nChannel 0: can\n\nChannel 1: 70%,\n\nChannel 0: apply\n\nChannel 1: we can\n\nChannel 0: for sort\n\nChannel 1: apply\n\nChannel 0: of things\n\nChannel 1: for\n\nChannel 0: up to that\n\nChannel 1: sort\n\nChannel 0: 80\n\nChannel 1: of things\n\nChannel 0: five\n\nChannel 1: up\n\nChannel 0: percent\n\nChannel 1: to that 85\n\nChannel 0: at\n\nChannel 1: percent\n\nChannel 0: least for the first six\n\nChannel 1: at\n\nChannel 0: months\n\nChannel 1: least\n\nChannel 0: of\n\nChannel 1: for\n\nChannel 0: any\n\nChannel 1: the first\n\nChannel 0: claim.\n\nChannel 1: six months of any claim.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: therefore, like,\n\nChannel 1: Yep.\n\nChannel 0: an additional\n\nChannel 1: And\n\nChannel 0: option\n\nChannel 1: therefore,\n\nChannel 0: that you\n\nChannel 1: like,\n\nChannel 0: could\n\nChannel 1: an\n\nChannel 0: put\n\nChannel 1: additional\n\nChannel 0: onto the\n\nChannel 1: option\n\nChannel 0: policy.\n\nChannel 1: that you could\n\nChannel 0: Is\n\nChannel 1: put on\n\nChannel 0: that\n\nChannel 1: for\n\nChannel 0: something\n\nChannel 1: policy.\n\nChannel 0: that you\n\nChannel 1: Is\n\nChannel 0: wanna\n\nChannel 1: that something\n\nChannel 0: look at\n\nChannel 1: that you wanna Alright. Options. I'm in here. Maybe I think five Okay. Yep.\n\nAnd then I'll get\n\nChannel 0: from an option point of view, obviously, pending price for the the product?\n\nChannel 1: Yeah. Sure. Yep.\n\nChannel 0: So I'll run some comparisons and have a look at what that fits what that sits like there. Outside of that, I guess, the life and TPD, you said that TPD was probably something you were gonna need more of than what life was. Generally speaking, when TPD is written, you can write it in two different ways. You can write them as joint, which means if you claim out\n\nChannel 1: Which\n\nChannel 0: on\n\nChannel 1: means\n\nChannel 0: TPD,\n\nChannel 1: if you claim\n\nChannel 0: it cancels\n\nChannel 1: that on TV,\n\nChannel 0: the life policy.\n\nChannel 1: it cancels the last\n\nChannel 0: It\n\nChannel 1: policy.\n\nChannel 0: means that the TPD policy is actually a lot cheaper, or you can write it as a stand alone policy. If you write total purpose as a stand alone, it generally ends up being about twice as much as what it is if it's a write off.\n\nChannel 1: Okay.\n\nChannel 0: I'll I'll have a look at how I can structure the policy. And once I've written up the kinda quote things out and have a look at some of the different providers to sort of structure it under, I can kind of explain how and why if we structure something one way, it'll work out a different way. But I'll have a look and break down the providers before we kinda jump into the nitty gritty. Now I did need to sort of go through and, I guess, do a bit of a fact find with you, and that's just kind of establish what\n\nChannel 1: What\n\nChannel 0: what you're gonna need\n\nChannel 1: what\n\nChannel 0: for\n\nChannel 1: you're gonna need for\n\nChannel 0: cover amounts.\n\nChannel 1: cover now? Yeah.\n\nChannel 0: Now, I guess,\n\nChannel 1: Now\n\nChannel 0: for the life insurance,\n\nChannel 1: I guess for\n\nChannel 0: did you\n\nChannel 1: the\n\nChannel 0: wanna\n\nChannel 1: life\n\nChannel 0: did\n\nChannel 1: insurance,\n\nChannel 0: you have, like,\n\nChannel 1: did\n\nChannel 0: a\n\nChannel 1: you\n\nChannel 0: specific\n\nChannel 1: wanna\n\nChannel 0: amount\n\nChannel 1: did you\n\nChannel 0: that\n\nChannel 1: have,\n\nChannel 0: you\n\nChannel 1: like,\n\nChannel 0: wanna\n\nChannel 1: a certain\n\nChannel 0: leave\n\nChannel 1: amount\n\nChannel 0: the\n\nChannel 1: that\n\nChannel 0: kids,\n\nChannel 1: you wanna leave\n\nChannel 0: or\n\nChannel 1: the\n\nChannel 0: is\n\nChannel 1: kids,\n\nChannel 0: it just,\n\nChannel 1: or is it\n\nChannel 0: realistically,\n\nChannel 1: just Well,\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: don't\n\nChannel 1: have\n\nChannel 0: actually\n\nChannel 1: specifically,\n\nChannel 0: want life\n\nChannel 1: you\n\nChannel 0: insurance?\n\nChannel 1: don't actually want life insurance.\n\nChannel 0: But if it makes your TPD\n\nChannel 1: Like, if\n\nChannel 0: cheaper,\n\nChannel 1: it makes\n\nChannel 0: then\n\nChannel 1: your CBD cheaper, then\n\nChannel 0: you'll have it, but it's\n\nChannel 1: you'll\n\nChannel 0: not\n\nChannel 1: have it.\n\nChannel 0: an\n\nChannel 1: It's\n\nChannel 0: important\n\nChannel 1: not an important\n\nChannel 0: insurance benefit\n\nChannel 1: No. It's\n\nChannel 0: for you.\n\nChannel 1: not. Insurance benefit for you. It's not that important now where, you know sort of as long as I'm not leaving them in debt, really, so they're not gonna be left in debt, and they're all, you know, got their own thing going on. So yeah. I had it it was my life insurance was for 300,000 before.\n\nI mean, I guess\n\nChannel 0: Yep.\n\nChannel 1: that's not much anyway. So, realistically, could you still be be that or yes.\n\nChannel 0: I think from when I looked at your file, the life insurance policy was previously written to pretty much, they cover the mortgage that you had on the house at the time. So it meant that,\n\nChannel 1: Yes.\n\nChannel 0: essentially, your life insurance cleared out the mortgage debt, which meant that the\n\nChannel 1: There\n\nChannel 0: house\n\nChannel 1: you go.\n\nChannel 0: became the house basically became the\n\nChannel 1: Yeah.\n\nChannel 0: the life insurance benefit, essentially. So it was\n\nChannel 1: Yeah.\n\nChannel 0: sort\n\nChannel 1: Yeah.\n\nChannel 0: of like\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: get\n\nChannel 0: house\n\nChannel 1: you.\n\nChannel 0: at the time was valued at about $420,000. So\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Right.\n\nChannel 0: made,\n\nChannel 1: Yeah.\n\nChannel 0: you know if they sold the house, they'd be sort of, you know after all\n\nChannel 1: Yeah.\n\nChannel 0: the sales cost and everything, just under 400,000\n\nChannel 1: Yeah.\n\nChannel 0: that the the kids would sort of split. 110,000.\n\nChannel 1: Yeah. Okay. So you see now I only owe, like, a 110, and it's worth a million.\n\nChannel 0: And 10,000\n\nChannel 1: So\n\nChannel 0: link? Cool. Yeah.\n\nChannel 1: yeah. But\n\nChannel 0: So do you wanna structure\n\nChannel 1: on\n\nChannel 0: it\n\nChannel 1: paper\n\nChannel 0: sort of same way?\n\nChannel 1: on on paper, I owe $2.20, but really only $1.10. Family\n\nChannel 0: Okay.\n\nChannel 1: member pays off\n\nChannel 0: How's\n\nChannel 1: the other half.\n\nChannel 0: how's\n\nChannel 1: But\n\nChannel 0: that\n\nChannel 1: but yeah.\n\nChannel 0: if I\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: don't\n\nChannel 0: sort\n\nChannel 1: have the\n\nChannel 0: of\n\nChannel 1: other\n\nChannel 0: ask?\n\nChannel 1: half.\n\nChannel 0: So you only you are $2.20\n\nChannel 1: Yeah. It's only because someone else pays the other half, but that's not really I don't really advertise that. So this house is in my name. It's my house. So but, yeah, someone else pays half of it off off as well.\n\nA family\n\nChannel 0: Okay.\n\nChannel 1: member. So yeah. Yeah. But\n\nChannel 0: That's okay.\n\nChannel 1: it doesn't really matter. So\n\nChannel 0: So\n\nChannel 1: just\n\nChannel 0: do\n\nChannel 1: yeah.\n\nChannel 0: you wanna\n\nChannel 1: Low.\n\nChannel 0: look at, say, 200,000 to just wipe out the\n\nChannel 1: Yeah.\n\nChannel 0: entirety of the debt?\n\nChannel 1: Mhmm. Yeah. Yeah. Yep. Yep.\n\nThat's fine.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Yeah. I don't really\n\nChannel 0: And\n\nChannel 1: know\n\nChannel 0: then\n\nChannel 1: how much it goes up, you know, from having a 100, 200, 304. I don't really know. But I I mean, I'm presuming that 300 is quite low anyway. Is it? Yes?\n\nChannel 0: Generally speaking, insurers look at lump sum amount at the at the 250,000. So 250, $507.50 a mil, $1.251.0.5, and then, generally, it's 2\n\nChannel 1: Yeah.\n\nChannel 0: mil from there. So that's where\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: Yeah.\n\nChannel 0: sort of give lump sum discounts based on amounts insured. So generally speaking, the difference between, say, 200 to $2.50 is quite minimal. Whereas if you write, say, 300,000, it's not as good as what $2,250,000 is. But it's sort of dependent on what you need. So I'll look at 200,000 to wipe the debt or $2.20 to wipe the debt, and then I'll also look at obviously $2.50.\n\nChannel 1: Yeah. It doesn't bother me yet, but I'm\n\nChannel 0: So\n\nChannel 1: fine. Yeah.\n\nChannel 0: and then\n\nChannel 1: But\n\nChannel 0: TPD.\n\nChannel 1: you said something before\n\nChannel 0: Yeah.\n\nChannel 1: on PPD. You said something before about if something happens to you still get you get paid your life insurance? What was that about? I can't remember. So the life insurance is just if you die.\n\nRight?\n\nChannel 0: Yeah. So life insurance,\n\nChannel 1: Yes. The\n\nChannel 0: like,\n\nChannel 1: life\n\nChannel 0: the life\n\nChannel 1: insurance\n\nChannel 0: insurance policy\n\nChannel 1: like life\n\nChannel 0: pays\n\nChannel 1: insurance\n\nChannel 0: out if you\n\nChannel 1: policy\n\nChannel 0: die\n\nChannel 1: is paid\n\nChannel 0: or\n\nChannel 1: out if\n\nChannel 0: if\n\nChannel 1: you die\n\nChannel 0: you're diagnosed\n\nChannel 1: or\n\nChannel 0: as terminal,\n\nChannel 1: if you're diagnosed\n\nChannel 0: so\n\nChannel 1: with terminal.\n\nChannel 0: terminally\n\nChannel 1: Or\n\nChannel 0: ill.\n\nChannel 1: Yes. Totally help. Now that part.\n\nChannel 0: Yeah.\n\nChannel 1: Right. So maybe I do need to keep it up high because\n\nChannel 0: Yeah.\n\nChannel 1: it's\n\nChannel 0: So,\n\nChannel 1: something\n\nChannel 0: basically, if\n\nChannel 1: yeah.\n\nChannel 0: you were diagnosed\n\nChannel 1: So, basically,\n\nChannel 0: as\n\nChannel 1: if\n\nChannel 0: terminally\n\nChannel 1: you were diagnosed\n\nChannel 0: ill\n\nChannel 1: with terminal illness\n\nChannel 0: so\n\nChannel 1: so,\n\nChannel 0: for example, and I guess\n\nChannel 1: for\n\nChannel 0: this\n\nChannel 1: example,\n\nChannel 0: is the lead like,\n\nChannel 1: I guess,\n\nChannel 0: the most\n\nChannel 1: we\n\nChannel 0: recent\n\nChannel 1: believe\n\nChannel 0: case\n\nChannel 1: the question\n\nChannel 0: I've gone\n\nChannel 1: of\n\nChannel 0: through,\n\nChannel 1: recent case\n\nChannel 0: I had\n\nChannel 1: I've\n\nChannel 0: a client\n\nChannel 1: gone through.\n\nChannel 0: that was\n\nChannel 1: I had a\n\nChannel 0: diagnosed\n\nChannel 1: client that\n\nChannel 0: with\n\nChannel 1: was\n\nChannel 0: stage\n\nChannel 1: diagnosed\n\nChannel 0: four cancer.\n\nChannel 1: with stage four cancer. Yep.\n\nChannel 0: He had\n\nChannel 1: He had\n\nChannel 0: an insurance benefit called\n\nChannel 1: an insurance benefit called\n\nChannel 0: critical illness or\n\nChannel 1: critical\n\nChannel 0: trauma cover.\n\nChannel 1: illness\n\nChannel 0: I\n\nChannel 1: or\n\nChannel 0: will\n\nChannel 1: trauma\n\nChannel 0: touch base\n\nChannel 1: cover.\n\nChannel 0: and\n\nChannel 1: I\n\nChannel 0: explain\n\nChannel 1: will\n\nChannel 0: what\n\nChannel 1: start\n\nChannel 0: that\n\nChannel 1: basically\n\nChannel 0: does in a second.\n\nChannel 1: saying what that does in a second. Yep.\n\nChannel 0: But he got paid out\n\nChannel 1: But\n\nChannel 0: three\n\nChannel 1: he\n\nChannel 0: 100\n\nChannel 1: got\n\nChannel 0: thousand\n\nChannel 1: paid\n\nChannel 0: dollars\n\nChannel 1: out\n\nChannel 0: under\n\nChannel 1: three 100\n\nChannel 0: that policy\n\nChannel 1: thousand dollars under that policy\n\nChannel 0: based\n\nChannel 1: Mhmm.\n\nChannel 0: on his diagnosis.\n\nChannel 1: Based on his diagnosis.\n\nChannel 0: He then\n\nChannel 1: Yep.\n\nChannel 0: claimed\n\nChannel 1: He\n\nChannel 0: income\n\nChannel 1: then\n\nChannel 0: protection,\n\nChannel 1: claimed\n\nChannel 0: which\n\nChannel 1: income\n\nChannel 0: meant he\n\nChannel 1: protection,\n\nChannel 0: could stop working,\n\nChannel 1: which meant\n\nChannel 0: and he\n\nChannel 1: he\n\nChannel 0: got\n\nChannel 1: could\n\nChannel 0: a\n\nChannel 1: stop\n\nChannel 0: benefit\n\nChannel 1: working,\n\nChannel 0: coming\n\nChannel 1: and he got\n\nChannel 0: in\n\nChannel 1: a benefit coming\n\nChannel 0: regularly.\n\nChannel 1: in regularly.\n\nChannel 0: And because of\n\nChannel 1: Yep.\n\nChannel 0: his stage\n\nChannel 1: And\n\nChannel 0: four\n\nChannel 1: because\n\nChannel 0: diagnosis,\n\nChannel 1: of this stage\n\nChannel 0: he\n\nChannel 1: four diagnosis,\n\nChannel 0: was actually\n\nChannel 1: he\n\nChannel 0: given about\n\nChannel 1: was\n\nChannel 0: twelve\n\nChannel 1: actually\n\nChannel 0: months\n\nChannel 1: given\n\nChannel 0: to live.\n\nChannel 1: about 12 birthdays.\n\nChannel 0: He was paid out\n\nChannel 1: He\n\nChannel 0: his\n\nChannel 1: was paid\n\nChannel 0: life insurance\n\nChannel 1: out his\n\nChannel 0: benefit,\n\nChannel 1: life insurance benefit\n\nChannel 0: which\n\nChannel 1: Okay.\n\nChannel 0: at the time was about\n\nChannel 1: Which at\n\nChannel 0: half\n\nChannel 1: the\n\nChannel 0: 1,000,000\n\nChannel 1: time\n\nChannel 0: dollars,\n\nChannel 1: is not $500,000\n\nChannel 0: plus his\n\nChannel 1: Right.\n\nChannel 0: super\n\nChannel 1: Plus\n\nChannel 0: fund,\n\nChannel 1: his\n\nChannel 0: which was\n\nChannel 1: supervisor.\n\nChannel 0: about $250,000 at the time. So all in all,\n\nChannel 1: Yep.\n\nChannel 0: he walked away with a very cool million between\n\nChannel 1: Yep.\n\nChannel 0: all\n\nChannel 1: Good\n\nChannel 0: the benefits\n\nChannel 1: on him. So\n\nChannel 0: plus\n\nChannel 1: he\n\nChannel 0: an\n\nChannel 1: should.\n\nChannel 0: ongoing income protection benefit.\n\nChannel 1: Yep.\n\nChannel 0: Prior\n\nChannel 1: Perfect.\n\nChannel 0: to his death in December, he bought his wife a house, got hold got her all set up, and then unfortunately passed just before Christmas.\n\nChannel 1: Yep. Yep. Yeah.\n\nChannel 0: Quite tragic, but that's sort of, I guess, how all of the policies can interact with each other\n\nChannel 1: Yeah.\n\nChannel 0: where\n\nChannel 1: Yeah. I\n\nChannel 0: because\n\nChannel 1: like the\n\nChannel 0: he\n\nChannel 1: sound of that. Yeah.\n\nChannel 0: as tragic as it sounds.\n\nChannel 1: I'm trying to get it now. Oh, yeah. I\n\nChannel 0: Well,\n\nChannel 1: didn't\n\nChannel 0: because\n\nChannel 1: mean that. But yeah. You know what\n\nChannel 0: no.\n\nChannel 1: I\n\nChannel 0: No.\n\nChannel 1: mean?\n\nChannel 0: I know. I I deal with it all the time, and sometimes clients and and my like, even my staff and colleagues sit around, and they and they're like, you're so harsh when you talk about it. I'm like, well, when\n\nChannel 1: No.\n\nChannel 0: you see the\n\nChannel 1: It's\n\nChannel 0: claim\n\nChannel 1: good\n\nChannel 0: side\n\nChannel 1: to use\n\nChannel 0: of things\n\nChannel 1: that as\n\nChannel 0: all\n\nChannel 1: an example.\n\nChannel 0: the time,\n\nChannel 1: That's\n\nChannel 0: it's\n\nChannel 1: a yeah.\n\nChannel 0: it's\n\nChannel 1: And\n\nChannel 0: just\n\nChannel 1: that's\n\nChannel 0: it\n\nChannel 1: a good\n\nChannel 0: is as\n\nChannel 1: example.\n\nChannel 0: as it is.\n\nChannel 1: As it\n\nChannel 0: Yeah.\n\nChannel 1: is. Yeah.\n\nChannel 0: And, hey, it\n\nChannel 1: It's\n\nChannel 0: doesn't\n\nChannel 1: a good\n\nChannel 0: mean\n\nChannel 1: example.\n\nChannel 0: I'm heartless.\n\nChannel 1: Okay. It\n\nChannel 0: I\n\nChannel 1: doesn't\n\nChannel 0: cried\n\nChannel 1: mean\n\nChannel 0: when\n\nChannel 1: I'm\n\nChannel 0: his\n\nChannel 1: heartless.\n\nChannel 0: wife called\n\nChannel 1: I\n\nChannel 0: me\n\nChannel 1: tried\n\nChannel 0: to tell\n\nChannel 1: when\n\nChannel 0: me\n\nChannel 1: his\n\nChannel 0: he\n\nChannel 1: wife\n\nChannel 0: he\n\nChannel 1: called\n\nChannel 0: he'd\n\nChannel 1: me and told\n\nChannel 0: passed.\n\nChannel 1: me he didn't seem to be\n\nChannel 0: So, you\n\nChannel 1: Oh,\n\nChannel 0: know,\n\nChannel 1: yeah. Absolutely.\n\nChannel 0: he'd kill\n\nChannel 1: Yeah.\n\nChannel 0: on the other side too.\n\nChannel 1: No. I love it. It that explains it really well. Yeah. Yep.\n\nChannel 0: Yeah. So\n\nChannel 1: Yeah. So\n\nChannel 0: that's obviously one\n\nChannel 1: I would\n\nChannel 0: one\n\nChannel 1: like\n\nChannel 0: diagnosis,\n\nChannel 1: that.\n\nChannel 0: one\n\nChannel 1: One one\n\nChannel 0: case,\n\nChannel 1: diagnosis,\n\nChannel 0: one one\n\nChannel 1: one\n\nChannel 0: avenue.\n\nChannel 1: case, one one avenue.\n\nChannel 0: The\n\nChannel 1: Yeah.\n\nChannel 0: I guess the cool\n\nChannel 1: The\n\nChannel 0: thing with\n\nChannel 1: I guess,\n\nChannel 0: with\n\nChannel 1: the\n\nChannel 0: terminal\n\nChannel 1: cool thing with\n\nChannel 0: illness\n\nChannel 1: with terminal\n\nChannel 0: is\n\nChannel 1: failure\n\nChannel 0: that, a, you can\n\nChannel 1: is\n\nChannel 0: plan\n\nChannel 1: that\n\nChannel 0: a\n\nChannel 1: a\n\nChannel 0: little\n\nChannel 1: user\n\nChannel 0: bit more.\n\nChannel 1: can plan\n\nChannel 0: The\n\nChannel 1: a little bit more.\n\nChannel 0: one thing a lawyer has always\n\nChannel 1: The one\n\nChannel 0: told\n\nChannel 1: thing\n\nChannel 0: me\n\nChannel 1: a\n\nChannel 0: is\n\nChannel 1: lawyer\n\nChannel 0: tell\n\nChannel 1: has\n\nChannel 0: me\n\nChannel 1: always told\n\nChannel 0: tell\n\nChannel 1: me\n\nChannel 0: me the day\n\nChannel 1: is\n\nChannel 0: before\n\nChannel 1: tell me\n\nChannel 0: you die,\n\nChannel 1: tell\n\nChannel 0: and\n\nChannel 1: me\n\nChannel 0: I can\n\nChannel 1: the\n\nChannel 0: put\n\nChannel 1: day\n\nChannel 0: you\n\nChannel 1: before\n\nChannel 0: in the\n\nChannel 1: you die,\n\nChannel 0: best position\n\nChannel 1: and I can put\n\nChannel 0: possible.\n\nChannel 1: you in the best position possible. Yeah.\n\nChannel 0: Very much same goes\n\nChannel 1: Very\n\nChannel 0: for\n\nChannel 1: much\n\nChannel 0: financial\n\nChannel 1: same goes\n\nChannel 0: planning.\n\nChannel 1: for\n\nChannel 0: If\n\nChannel 1: financial\n\nChannel 0: if we\n\nChannel 1: planning.\n\nChannel 0: we\n\nChannel 1: If\n\nChannel 0: have\n\nChannel 1: if we\n\nChannel 0: a a\n\nChannel 1: we\n\nChannel 0: known\n\nChannel 1: have\n\nChannel 0: expiration\n\nChannel 1: a a\n\nChannel 0: date,\n\nChannel 1: known expiration\n\nChannel 0: we can definitely\n\nChannel 1: date,\n\nChannel 0: plan in\n\nChannel 1: we\n\nChannel 0: the\n\nChannel 1: can\n\nChannel 0: best\n\nChannel 1: definitely\n\nChannel 0: tax\n\nChannel 1: plan\n\nChannel 0: position\n\nChannel 1: in\n\nChannel 0: possible.\n\nChannel 1: the best tax position possible.\n\nChannel 0: And that's sort of where things\n\nChannel 1: And that's\n\nChannel 0: kinda come\n\nChannel 1: sort of\n\nChannel 0: in\n\nChannel 1: where\n\nChannel 0: because\n\nChannel 1: things kinda come\n\nChannel 0: when\n\nChannel 1: in.\n\nChannel 0: it comes\n\nChannel 1: Because\n\nChannel 0: to life insurance,\n\nChannel 1: when it comes\n\nChannel 0: if\n\nChannel 1: to\n\nChannel 0: it\n\nChannel 1: life\n\nChannel 0: goes\n\nChannel 1: insurance,\n\nChannel 0: to your kid\n\nChannel 1: if it goes to\n\nChannel 0: through\n\nChannel 1: your kids\n\nChannel 0: your super fund,\n\nChannel 1: through\n\nChannel 0: your\n\nChannel 1: your\n\nChannel 0: children\n\nChannel 1: super fund,\n\nChannel 0: are\n\nChannel 1: your children\n\nChannel 0: non\n\nChannel 1: are\n\nChannel 0: tax dependent, which\n\nChannel 1: non\n\nChannel 0: means\n\nChannel 1: tax\n\nChannel 0: they will\n\nChannel 1: dependent,\n\nChannel 0: pay\n\nChannel 1: which\n\nChannel 0: tax\n\nChannel 1: means\n\nChannel 0: on the\n\nChannel 1: they\n\nChannel 0: benefit,\n\nChannel 1: will pay tax on the benefit\n\nChannel 0: which is\n\nChannel 1: Yeah.\n\nChannel 0: the frustrating\n\nChannel 1: Yeah.\n\nChannel 0: part.\n\nChannel 1: Which is the frustrating part. Yeah.\n\nChannel 0: If your diagnosis is\n\nChannel 1: If\n\nChannel 0: terminally\n\nChannel 1: you're\n\nChannel 0: ill,\n\nChannel 1: diagnosed with family\n\nChannel 0: the benefit\n\nChannel 1: ill,\n\nChannel 0: goes to you tax\n\nChannel 1: the\n\nChannel 0: free.\n\nChannel 1: benefit goes to your tax rate.\n\nChannel 0: Irrespective of what age\n\nChannel 1: You're\n\nChannel 0: you\n\nChannel 1: affected\n\nChannel 0: are,\n\nChannel 1: what age\n\nChannel 0: benefit\n\nChannel 1: you are,\n\nChannel 0: is releasable to\n\nChannel 1: benefits\n\nChannel 0: you tax\n\nChannel 1: really\n\nChannel 0: free, which\n\nChannel 1: can\n\nChannel 0: is,\n\nChannel 1: be tax\n\nChannel 0: I guess,\n\nChannel 1: rate, which\n\nChannel 0: the benefit\n\nChannel 1: is,\n\nChannel 0: on that\n\nChannel 1: I guess,\n\nChannel 0: side.\n\nChannel 1: the benefit on that side.\n\nChannel 0: Now with TPD insurance, that's probably the benefit that we do need to make sure that we increase a little bit and why your TPD insurance is gonna be more than what your life insurance is. Because realistically speaking, if you're totally internally disabled, we need to make sure the house is covered. Mortgage repayments are done, but then,\n\nChannel 1: Yes. Yes.\n\nChannel 0: realistically, we need to make sure that you have longevity income to support you.\n\nChannel 1: Yep.\n\nChannel 0: That's\n\nChannel 1: Yep. Yep.\n\nChannel 0: the\n\nChannel 1: That\n\nChannel 0: reason\n\nChannel 1: sounds\n\nChannel 0: we can\n\nChannel 1: good.\n\nChannel 0: do this. We can make sure we just cover the mortgage, and then your income protection policy tell you all the way through to your 65 years old. That is going to be very expensive. The other avenue\n\nChannel 1: Okay.\n\nChannel 0: is\n\nChannel 1: On\n\nChannel 0: is\n\nChannel 1: the\n\nChannel 0: we\n\nChannel 1: other\n\nChannel 0: just\n\nChannel 1: fees,\n\nChannel 0: write\n\nChannel 1: if\n\nChannel 0: a\n\nChannel 1: you\n\nChannel 0: TPD\n\nChannel 1: just like,\n\nChannel 0: policy\n\nChannel 1: AT\n\nChannel 0: that realistically\n\nChannel 1: and T cost.\n\nChannel 0: covers\n\nChannel 1: Is it realistically\n\nChannel 0: your expenses\n\nChannel 1: covers your expenses\n\nChannel 0: minus your\n\nChannel 1: minus\n\nChannel 0: mortgage\n\nChannel 1: your\n\nChannel 0: repayment\n\nChannel 1: mortgage repayment\n\nChannel 0: until\n\nChannel 1: Yep.\n\nChannel 0: you're 65\n\nChannel 1: Until you're 50\n\nChannel 0: and or\n\nChannel 1: five\n\nChannel 0: an age designated\n\nChannel 1: and or\n\nChannel 0: by\n\nChannel 1: an\n\nChannel 0: you.\n\nChannel 1: age doesn't know about you.\n\nChannel 0: Now\n\nChannel 1: Okay.\n\nChannel 0: last record I\n\nChannel 1: Now\n\nChannel 0: had was\n\nChannel 1: last\n\nChannel 0: that you\n\nChannel 1: record\n\nChannel 0: were looking\n\nChannel 1: I had\n\nChannel 0: to retire\n\nChannel 1: was that you were\n\nChannel 0: around\n\nChannel 1: looking to\n\nChannel 0: 60\n\nChannel 1: retire\n\nChannel 0: five to 60\n\nChannel 1: around\n\nChannel 0: seven.\n\nChannel 1: 50\n\nChannel 0: Is\n\nChannel 1: five\n\nChannel 0: that\n\nChannel 1: to 50\n\nChannel 0: still\n\nChannel 1: seven. Is\n\nChannel 0: the\n\nChannel 1: that\n\nChannel 0: go?\n\nChannel 1: really the time? Well, yeah, I I don't not really something I think about, and I am, like, single. So, yeah, not really sure, I guess.\n\nChannel 0: Okay. No. That that's that's\n\nChannel 1: That's\n\nChannel 0: okay.\n\nChannel 1: that's that's okay.\n\nChannel 0: We we can sort of go\n\nChannel 1: We\n\nChannel 0: with\n\nChannel 1: we\n\nChannel 0: 60\n\nChannel 1: can go\n\nChannel 0: seven\n\nChannel 1: with\n\nChannel 0: as\n\nChannel 1: 57\n\nChannel 0: as a\n\nChannel 1: and\n\nChannel 0: rough agent now,\n\nChannel 1: and a rough agent\n\nChannel 0: and I\n\nChannel 1: now.\n\nChannel 0: can,\n\nChannel 1: Did\n\nChannel 0: again,\n\nChannel 1: you say\n\nChannel 0: quote\n\nChannel 1: 50\n\nChannel 0: it up.\n\nChannel 1: 7?\n\nChannel 0: We can always\n\nChannel 1: For a\n\nChannel 0: play\n\nChannel 1: lot\n\nChannel 0: with\n\nChannel 1: of\n\nChannel 0: it.\n\nChannel 1: people. Did you say 67\n\nChannel 0: Sixty seven.\n\nChannel 1: or 57? 60\n\nChannel 0: Six seven.\n\nChannel 1: 7. Oh my god.\n\nChannel 0: Yep.\n\nChannel 1: That sounds awful.\n\nChannel 0: I know.\n\nChannel 1: Wow.\n\nChannel 0: I know.\n\nChannel 1: I know.\n\nChannel 0: But\n\nChannel 1: Oh,\n\nChannel 0: I can\n\nChannel 1: yeah.\n\nChannel 0: go with\n\nChannel 1: Okay.\n\nChannel 0: that.\n\nChannel 1: But I\n\nChannel 0: The\n\nChannel 1: can\n\nChannel 0: only\n\nChannel 1: go\n\nChannel 0: thing\n\nChannel 1: with\n\nChannel 0: I think\n\nChannel 1: that.\n\nChannel 0: I need\n\nChannel 1: The only\n\nChannel 0: to\n\nChannel 1: thing\n\nChannel 0: know\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: think I\n\nChannel 0: how\n\nChannel 1: need\n\nChannel 0: much\n\nChannel 1: to\n\nChannel 0: you\n\nChannel 1: know\n\nChannel 0: actually\n\nChannel 1: is\n\nChannel 0: pay\n\nChannel 1: how much\n\nChannel 0: in\n\nChannel 1: you actually\n\nChannel 0: mortgage\n\nChannel 1: pay\n\nChannel 0: repayments\n\nChannel 1: in mortgage\n\nChannel 0: each\n\nChannel 1: payments\n\nChannel 0: cycle, weeks,\n\nChannel 1: in\n\nChannel 0: months,\n\nChannel 1: cycle\n\nChannel 0: whatever,\n\nChannel 1: week,\n\nChannel 0: however you\n\nChannel 1: month.\n\nChannel 0: pay it.\n\nChannel 1: I pay 6 I pay 600 a week.\n\nChannel 0: 6 weekly. Cool.\n\nChannel 1: 6\n\nChannel 0: Alright.\n\nChannel 1: weekly. Cool.\n\nChannel 0: So\n\nChannel 1: Alright.\n\nChannel 0: 6 weekly\n\nChannel 1: Yep.\n\nChannel 0: out\n\nChannel 1: So\n\nChannel 0: of\n\nChannel 1: six\n\nChannel 0: the\n\nChannel 1: weekly\n\nChannel 0: 15\n\nChannel 1: out of\n\nChannel 0: 100\n\nChannel 1: the\n\nChannel 0: that we\n\nChannel 1: 15\n\nChannel 0: earn.\n\nChannel 1: 100 that\n\nChannel 0: So\n\nChannel 1: we\n\nChannel 0: we\n\nChannel 1: earn.\n\nChannel 0: still have about\n\nChannel 1: So\n\nChannel 0: nine\n\nChannel 1: we still\n\nChannel 0: $100\n\nChannel 1: have that $900\n\nChannel 0: in money\n\nChannel 1: in\n\nChannel 0: that is not tied\n\nChannel 1: money\n\nChannel 0: up\n\nChannel 1: that\n\nChannel 0: with the\n\nChannel 1: is\n\nChannel 0: mortgage\n\nChannel 1: not tied\n\nChannel 0: per\n\nChannel 1: up\n\nChannel 0: week\n\nChannel 1: with the\n\nChannel 0: that we\n\nChannel 1: mortgage\n\nChannel 0: need to make\n\nChannel 1: per\n\nChannel 0: sure\n\nChannel 1: week\n\nChannel 0: we cover.\n\nChannel 1: that we need to actually cover. Yep. But do you but because of the yeah. I don't pay any of my mortgage because I've got people living at my house. So does that count or not really?\n\nChannel 0: Oh, okay.\n\nChannel 1: Oh,\n\nChannel 0: Right. This is\n\nChannel 1: okay.\n\nChannel 0: what you were\n\nChannel 1: Right.\n\nChannel 0: referencing.\n\nChannel 1: This is what you were processing.\n\nChannel 0: So are you not\n\nChannel 1: So\n\nChannel 0: living\n\nChannel 1: Yeah.\n\nChannel 0: in the\n\nChannel 1: Are\n\nChannel 0: house\n\nChannel 1: you not\n\nChannel 0: or\n\nChannel 1: living\n\nChannel 0: you're\n\nChannel 1: in the house or you're Yeah. I live there too, but\n\nChannel 0: Okay.\n\nChannel 1: I have\n\nChannel 0: And then we\n\nChannel 1: like,\n\nChannel 0: have\n\nChannel 1: because I\n\nChannel 0: borders\n\nChannel 1: have a granny flat.\n\nChannel 0: that\n\nChannel 1: Borders. Yeah. So I have someone living in my granny flat, and then I have someone in my house too. So they both pay 300 each, and then\n\nChannel 0: cool.\n\nChannel 1: I\n\nChannel 0: And\n\nChannel 1: don't\n\nChannel 0: that covers\n\nChannel 1: actually\n\nChannel 0: the\n\nChannel 1: pay\n\nChannel 0: mortgage.\n\nChannel 1: any. And that covers the mortgage? That covers the mortgage. Yep.\n\nChannel 0: Okay. So\n\nChannel 1: Okay.\n\nChannel 0: do we\n\nChannel 1: So do\n\nChannel 0: not\n\nChannel 1: we\n\nChannel 0: so we\n\nChannel 1: not\n\nChannel 0: we\n\nChannel 1: so we\n\nChannel 0: still need to cover\n\nChannel 1: we still\n\nChannel 0: the 15\n\nChannel 1: need\n\nChannel 0: 100\n\nChannel 1: to cover\n\nChannel 0: that you're\n\nChannel 1: the 15\n\nChannel 0: earning then?\n\nChannel 1: 100 that you're earning then?\n\nChannel 0: Because, realistically, you're\n\nChannel 1: Because,\n\nChannel 0: not paying\n\nChannel 1: realistically,\n\nChannel 0: the mortgage\n\nChannel 1: you're not\n\nChannel 0: repayments\n\nChannel 1: paying the mortgage\n\nChannel 0: that's being\n\nChannel 1: repayment\n\nChannel 0: covered by\n\nChannel 1: that's being\n\nChannel 0: the borders\n\nChannel 1: covered by the borders\n\nChannel 0: within the house.\n\nChannel 1: within\n\nChannel 0: And\n\nChannel 1: the house. And\n\nChannel 0: irrespective of you like,\n\nChannel 1: irrespective\n\nChannel 0: if you\n\nChannel 1: of\n\nChannel 0: were\n\nChannel 1: you,\n\nChannel 0: to\n\nChannel 1: like,\n\nChannel 0: if\n\nChannel 1: if\n\nChannel 0: you were to\n\nChannel 1: you were\n\nChannel 0: pay out\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: if\n\nChannel 0: mortgage,\n\nChannel 1: you were to pay out the mortgage,\n\nChannel 0: you'd still need the 15\n\nChannel 1: you'd\n\nChannel 0: $100\n\nChannel 1: still need\n\nChannel 0: a\n\nChannel 1: the\n\nChannel 0: week\n\nChannel 1: 15\n\nChannel 0: that\n\nChannel 1: $100\n\nChannel 0: you earn\n\nChannel 1: a week that you earn\n\nChannel 0: because the mortgage\n\nChannel 1: because\n\nChannel 0: repayments\n\nChannel 1: the\n\nChannel 0: is\n\nChannel 1: mortgage\n\nChannel 0: earnings\n\nChannel 1: payment\n\nChannel 0: on\n\nChannel 1: is\n\nChannel 0: top of that.\n\nChannel 1: earning on top of that. Yeah. Okay. Yep.\n\nChannel 0: Yeah. That's no. That's okay. Cool.\n\nChannel 1: That's,\n\nChannel 0: Alright.\n\nChannel 1: like,\n\nChannel 0: That\n\nChannel 1: cool.\n\nChannel 0: that explains\n\nChannel 1: Alright. That\n\nChannel 0: a little\n\nChannel 1: that\n\nChannel 0: bit\n\nChannel 1: explains\n\nChannel 0: more as to what you were\n\nChannel 1: a\n\nChannel 0: sort\n\nChannel 1: little\n\nChannel 0: of\n\nChannel 1: more\n\nChannel 0: referencing\n\nChannel 1: to what\n\nChannel 0: on\n\nChannel 1: you're\n\nChannel 0: that\n\nChannel 1: sort\n\nChannel 0: side.\n\nChannel 1: of referencing on that side. Yeah. Yep.\n\nChannel 0: Okay. Alright. No. That's okay. Alright.\n\nSo I can make sure we replace it replace 1,500 a a week or that ends up being\n\nChannel 1: Or\n\nChannel 0: 70\n\nChannel 1: whatever\n\nChannel 0: 8,000\n\nChannel 1: it is.\n\nChannel 0: dollars a year.\n\nChannel 1: Oh,\n\nChannel 0: Yeah. Yeah. Whatever it ends up being once\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: think it's\n\nChannel 0: sort of\n\nChannel 1: more.\n\nChannel 0: have\n\nChannel 1: I\n\nChannel 0: a look\n\nChannel 1: think\n\nChannel 0: and\n\nChannel 1: it's\n\nChannel 0: email\n\nChannel 1: more than\n\nChannel 0: me.\n\nChannel 1: that. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: I think\n\nChannel 0: that's\n\nChannel 1: it's\n\nChannel 0: a net\n\nChannel 1: smaller.\n\nChannel 0: anyway, but yeah. I'll send you an email\n\nChannel 1: Oh, yeah.\n\nChannel 0: for for details because one of the things I will need to know, while I'm not giving advice on your super fund, I do just need a a quick snapshot of where your superannuation balance sits just so I can make sure that I'm doing my due diligence in terms of the funds being able to support the premium. Because if I ever got\n\nChannel 1: Because\n\nChannel 0: audited\n\nChannel 1: my and I got ordered\n\nChannel 0: by ASIC and\n\nChannel 1: by\n\nChannel 0: or\n\nChannel 1: Epic and or\n\nChannel 0: hadn't considered the fact\n\nChannel 1: haven't\n\nChannel 0: that, hey.\n\nChannel 1: considered\n\nChannel 0: I'm\n\nChannel 1: the\n\nChannel 0: paying\n\nChannel 1: fact\n\nChannel 0: for\n\nChannel 1: that,\n\nChannel 0: insurance\n\nChannel 1: hey. I'm paying\n\nChannel 0: premiums\n\nChannel 1: for\n\nChannel 0: from a\n\nChannel 1: insurance\n\nChannel 0: fund\n\nChannel 1: premiums\n\nChannel 0: that I'd never\n\nChannel 1: from a fund that I've\n\nChannel 0: even\n\nChannel 1: never\n\nChannel 0: looked at,\n\nChannel 1: even looked\n\nChannel 0: I'd get\n\nChannel 1: at,\n\nChannel 0: hold over the call\n\nChannel 1: I'd get\n\nChannel 0: polls.\n\nChannel 1: all over the call call.\n\nChannel 0: So I\n\nChannel 1: Okay.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: just need\n\nChannel 1: So\n\nChannel 0: to\n\nChannel 1: I\n\nChannel 0: know that\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: funds\n\nChannel 1: need\n\nChannel 0: can\n\nChannel 1: to know\n\nChannel 0: support\n\nChannel 1: that the\n\nChannel 0: these\n\nChannel 1: fund can\n\nChannel 0: premiums\n\nChannel 1: support\n\nChannel 0: long term\n\nChannel 1: these premiums\n\nChannel 0: and that I'm\n\nChannel 1: long\n\nChannel 0: not\n\nChannel 1: term\n\nChannel 0: going to, you\n\nChannel 1: and,\n\nChannel 0: know,\n\nChannel 1: you\n\nChannel 0: put you in jeopardy\n\nChannel 1: know, could\n\nChannel 0: of\n\nChannel 1: be in jeopardy of Yeah.\n\nChannel 0: going broke\n\nChannel 1: Yeah. Because\n\nChannel 0: and\n\nChannel 1: so I'm\n\nChannel 0: and\n\nChannel 1: broke\n\nChannel 0: or not\n\nChannel 1: and\n\nChannel 0: being able to pay\n\nChannel 1: Oh,\n\nChannel 0: for\n\nChannel 1: well,\n\nChannel 0: it.\n\nChannel 1: yeah. Well, yes. Because most of my super is in precious metals as well. So I don't have, like, a great deal of cash. It's getting up it it obviously goes up every week now, but I think\n\nChannel 0: Yes.\n\nChannel 1: I'm gonna go, like, $1,213,000 in cash\n\nChannel 0: No.\n\nChannel 1: at\n\nChannel 0: That's\n\nChannel 1: the moment.\n\nChannel 0: okay.\n\nChannel 1: No. That's okay. It's in\n\nChannel 0: No.\n\nChannel 1: silver and gold.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: absolutely\n\nChannel 1: No. That's\n\nChannel 0: not that's\n\nChannel 1: absolutely\n\nChannel 0: that's\n\nChannel 1: that's\n\nChannel 0: absolutely fine. It\n\nChannel 1: that's\n\nChannel 0: can\n\nChannel 1: absolutely\n\nChannel 0: be invested\n\nChannel 1: fine.\n\nChannel 0: however,\n\nChannel 1: If you\n\nChannel 0: like,\n\nChannel 1: invested\n\nChannel 0: you're you're\n\nChannel 1: however,\n\nChannel 0: choosing\n\nChannel 1: like,\n\nChannel 0: to invest\n\nChannel 1: your your\n\nChannel 0: it\n\nChannel 1: jeans are invested Yeah.\n\nChannel 0: just so long as,\n\nChannel 1: Just\n\nChannel 0: I guess\n\nChannel 1: so long\n\nChannel 0: I just\n\nChannel 1: as,\n\nChannel 0: need\n\nChannel 1: I\n\nChannel 0: to know\n\nChannel 1: guess\n\nChannel 0: sort of,\n\nChannel 1: I\n\nChannel 0: I guess,\n\nChannel 1: just need\n\nChannel 0: what\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: know\n\nChannel 0: balance\n\nChannel 1: sort of, I\n\nChannel 0: is.\n\nChannel 1: guess,\n\nChannel 0: So\n\nChannel 1: what the balance is. So\n\nChannel 0: you would have, I guess,\n\nChannel 1: you\n\nChannel 0: the the\n\nChannel 1: would\n\nChannel 0: last\n\nChannel 1: have, I\n\nChannel 0: report\n\nChannel 1: guess, the\n\nChannel 0: that\n\nChannel 1: the\n\nChannel 0: you\n\nChannel 1: last\n\nChannel 0: did\n\nChannel 1: report\n\nChannel 0: for the\n\nChannel 1: that\n\nChannel 0: SMSF\n\nChannel 1: you did\n\nChannel 0: fund.\n\nChannel 1: in the investment. Yep.\n\nChannel 0: Just literally\n\nChannel 1: Yeah. If\n\nChannel 0: a\n\nChannel 1: you\n\nChannel 0: a\n\nChannel 1: just send me an email of what you need from me, and I can send it all\n\nChannel 0: a\n\nChannel 1: across.\n\nChannel 0: provide.\n\nChannel 1: And as far as the as far as the income, can I send you what I earned, like, the last financial year, or you want\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: recently?\n\nChannel 0: If you have either the last\n\nChannel 1: Yeah?\n\nChannel 0: payslip for the financial year or if you've done your you've completed\n\nChannel 1: Yeah.\n\nChannel 0: your tax returns, you can send\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: I haven't\n\nChannel 0: through\n\nChannel 1: done\n\nChannel 0: either\n\nChannel 1: that\n\nChannel 0: either\n\nChannel 1: now.\n\nChannel 0: way. And\n\nChannel 1: Yeah. Cool.\n\nChannel 0: and I'll just use that to be able to base the income protection premium income protection benefit amounts and use that as a multiplier to deal with the the the TPD portion as well. Cool. Alright. Well, I've got a decent basis of everything on where we're going from here. So what I'll\n\nChannel 1: Yep.\n\nChannel 0: do is I'll send you an email this afternoon, get a get all those documents from you, and then I'll quote everything up, have a look\n\nChannel 1: I\n\nChannel 0: at\n\nChannel 1: think\n\nChannel 0: the rundown\n\nChannel 1: I'll\n\nChannel 0: on\n\nChannel 1: have\n\nChannel 0: things,\n\nChannel 1: a look at the rundown\n\nChannel 0: and\n\nChannel 1: thing\n\nChannel 0: and go from\n\nChannel 1: Yep.\n\nChannel 0: there.\n\nChannel 1: And then go\n\nChannel 0: Realistically\n\nChannel 1: from there.\n\nChannel 0: speaking,\n\nChannel 1: Yep.\n\nChannel 0: I should\n\nChannel 1: Real\n\nChannel 0: be able\n\nChannel 1: speaking,\n\nChannel 0: to get everything\n\nChannel 1: I should\n\nChannel 0: turned\n\nChannel 1: be\n\nChannel 0: around\n\nChannel 1: able to get\n\nChannel 0: within\n\nChannel 1: the details\n\nChannel 0: a couple\n\nChannel 1: coming\n\nChannel 0: of weeks\n\nChannel 1: around within\n\nChannel 0: post\n\nChannel 1: a couple of weeks\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: sending\n\nChannel 1: Post\n\nChannel 0: those documents.\n\nChannel 1: these in your documents.\n\nChannel 0: So if you're able to\n\nChannel 1: Yeah.\n\nChannel 0: get it back\n\nChannel 1: Sure.\n\nChannel 0: to\n\nChannel 1: If\n\nChannel 0: me\n\nChannel 1: you're able to\n\nChannel 0: over\n\nChannel 1: get\n\nChannel 0: the\n\nChannel 1: it back\n\nChannel 0: weekend,\n\nChannel 1: to me for the weekend\n\nChannel 0: if you want,\n\nChannel 1: Yeah.\n\nChannel 0: I can just\n\nChannel 1: If\n\nChannel 0: schedule\n\nChannel 1: you want,\n\nChannel 0: a meeting\n\nChannel 1: I can just schedule\n\nChannel 0: for\n\nChannel 1: a meeting\n\nChannel 0: two weeks from today.\n\nChannel 1: for two weeks\n\nChannel 0: Does\n\nChannel 1: from\n\nChannel 0: that\n\nChannel 1: today\n\nChannel 0: work for you?\n\nChannel 1: Yep. If that works for you. Sure.\n\nChannel 0: Cool. Alright. Well, I'll I'll just\n\nChannel 1: Alright.\n\nChannel 0: send you a\n\nChannel 1: Well,\n\nChannel 0: calendar\n\nChannel 1: I'll\n\nChannel 0: invite\n\nChannel 1: I'll just\n\nChannel 0: for\n\nChannel 1: send you a calendar\n\nChannel 0: two weeks\n\nChannel 1: invite\n\nChannel 0: from today\n\nChannel 1: for\n\nChannel 0: so that\n\nChannel 1: two\n\nChannel 0: way\n\nChannel 1: weeks\n\nChannel 0: it's\n\nChannel 1: from\n\nChannel 0: booked\n\nChannel 1: today\n\nChannel 0: in.\n\nChannel 1: so that way it's booked in. Mhmm.\n\nChannel 0: And I'll look\n\nChannel 1: And otherwise,\n\nChannel 0: you the email once we\n\nChannel 1: I'll\n\nChannel 0: get\n\nChannel 1: go to\n\nChannel 0: off\n\nChannel 1: the\n\nChannel 0: the\n\nChannel 1: email with you at the phone. Great. That sounds great.\n\nChannel 0: phone.\n\nChannel 1: Awesome.\n\nChannel 0: Alright. Cool.\n\nChannel 1: Thank you. Of\n\nChannel 0: I\n\nChannel 1: course.\n\nChannel 0: will let you\n\nChannel 1: I\n\nChannel 0: go\n\nChannel 1: will\n\nChannel 0: and finish your\n\nChannel 1: let\n\nChannel 0: drive,\n\nChannel 1: you go\n\nChannel 0: and\n\nChannel 1: and finish\n\nChannel 0: we\n\nChannel 1: your\n\nChannel 0: will\n\nChannel 1: drive\n\nChannel 0: talk\n\nChannel 1: and get\n\nChannel 0: soon.\n\nChannel 1: a call booked. Yeah. Yep. Yep. I'm about halfway now.\n\nSo\n\nChannel 0: Well, I'm glad I was\n\nChannel 1: bloody\n\nChannel 0: able\n\nChannel 1: traffic.\n\nChannel 0: to sort of\n\nChannel 1: I'm sure\n\nChannel 0: help out\n\nChannel 1: I'm\n\nChannel 0: with\n\nChannel 1: able\n\nChannel 0: some\n\nChannel 1: to\n\nChannel 0: of\n\nChannel 1: sort\n\nChannel 0: it.\n\nChannel 1: of help out with some of it. Yeah. Yeah. See, I'll ring someone else now.\n\nChannel 0: Trust me. That's that's my\n\nChannel 1: Oh, do\n\nChannel 0: go\n\nChannel 1: you see\n\nChannel 0: to\n\nChannel 1: that?\n\nChannel 0: as\n\nChannel 1: That's\n\nChannel 0: well.\n\nChannel 1: that's\n\nChannel 0: I think\n\nChannel 1: what\n\nChannel 0: I\n\nChannel 1: I go\n\nChannel 0: absolutely\n\nChannel 1: through. Yeah.\n\nChannel 0: detest\n\nChannel 1: I think I absolutely\n\nChannel 0: the drive\n\nChannel 1: just have to drive.\n\nChannel 0: to and from work.\n\nChannel 1: Yeah. From\n\nChannel 0: My\n\nChannel 1: work.\n\nChannel 0: poor\n\nChannel 1: Yeah.\n\nChannel 0: husband hears\n\nChannel 1: My\n\nChannel 0: from\n\nChannel 1: poor\n\nChannel 0: me constantly,\n\nChannel 1: husband\n\nChannel 0: and if it's\n\nChannel 1: hears\n\nChannel 0: on my\n\nChannel 1: me\n\nChannel 0: husband,\n\nChannel 1: constantly.\n\nChannel 0: I think\n\nChannel 1: He's gonna\n\nChannel 0: my\n\nChannel 1: ask\n\nChannel 0: sisters,\n\nChannel 1: me,\n\nChannel 0: mother,\n\nChannel 1: like,\n\nChannel 0: everyone\n\nChannel 1: my sisters,\n\nChannel 0: else under\n\nChannel 1: mama,\n\nChannel 0: the sun.\n\nChannel 1: everyone else. Oh, well, my poor brother, he's like he's he's driving again. He hates me calling when I when I'm driving. So it's like, well, that's the only way you're gonna talk to me. Because if I'm home, I'm busy.\n\nAnd Yeah. When I'm driving, I can talk. That's it.\n\nChannel 0: Yep.\n\nChannel 1: Because\n\nChannel 0: Yeah.\n\nChannel 1: he doesn't understand because he doesn't work. You see? And he's he's like,\n\nChannel 0: Yep.\n\nChannel 1: oh, surely you've got some time. I'm like, no. Not really.\n\nChannel 0: Yeah.\n\nChannel 1: Otherwise, I'm down the beach enjoying myself. Yeah.\n\nChannel 0: I'm enjoying lifetime by\n\nChannel 1: I'm\n\nChannel 0: lifetime.\n\nChannel 1: enjoying my phone by my phone. Yeah. And I don't take my phone when I go and do, like, cool things. I think that's the\n\nChannel 0: No.\n\nChannel 1: worst idea ever. No. I hate my\n\nChannel 0: Shut\n\nChannel 1: phone.\n\nChannel 0: off from the\n\nChannel 1: Trust\n\nChannel 0: world\n\nChannel 1: me, man.\n\nChannel 0: and\n\nChannel 1: Cut off\n\nChannel 0: just\n\nChannel 1: from the\n\nChannel 0: exist.\n\nChannel 1: world. Yeah. Exactly. We're gonna do it, don't we?\n\nChannel 0: Absolutely. I\n\nChannel 1: Beautiful.\n\nChannel 0: wish I could do it\n\nChannel 1: Beautiful.\n\nChannel 0: more\n\nChannel 1: I\n\nChannel 0: often.\n\nChannel 1: wish I could do it more often. Yeah. I know. Are you in the Gold Coast, or you're in Brisbane, or where are you from?\n\nChannel 0: Work on the Gold Coast,\n\nChannel 1: Well, I'm from\n\nChannel 0: but\n\nChannel 1: the\n\nChannel 0: I\n\nChannel 1: Gold\n\nChannel 0: Live\n\nChannel 1: Coast,\n\nChannel 0: halfway in\n\nChannel 1: but\n\nChannel 0: Goldie\n\nChannel 1: I live\n\nChannel 0: in Brisbane\n\nChannel 1: halfway through in\n\nChannel 0: because\n\nChannel 1: Brisbane.\n\nChannel 0: my other\n\nChannel 1: Oh.\n\nChannel 0: half works in\n\nChannel 1: I\n\nChannel 0: Brisbane.\n\nChannel 1: live in Brisbane. Oh, nice one. Awesome. Are you at\n\nChannel 0: Yeah.\n\nChannel 1: home now? Because I can see the kids in the\n\nChannel 0: Yes.\n\nChannel 1: background.\n\nChannel 0: Yeah. So Thursday,\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Friday,\n\nChannel 1: Yeah.\n\nChannel 0: we work\n\nChannel 1: This\n\nChannel 0: from\n\nChannel 1: is\n\nChannel 0: home.\n\nChannel 1: Friday. We\n\nChannel 0: So\n\nChannel 1: work from home. So Oh,\n\nChannel 0: the\n\nChannel 1: beautiful.\n\nChannel 0: my husband's\n\nChannel 1: My\n\nChannel 0: on\n\nChannel 1: my\n\nChannel 0: kid\n\nChannel 1: husband's\n\nChannel 0: duty for\n\nChannel 1: on\n\nChannel 0: the afternoon,\n\nChannel 1: kid duty for the\n\nChannel 0: and\n\nChannel 1: afternoon.\n\nChannel 0: then\n\nChannel 1: Oh, yeah.\n\nChannel 0: him and I\n\nChannel 1: And\n\nChannel 0: tap\n\nChannel 1: then he and\n\nChannel 0: tap\n\nChannel 1: I\n\nChannel 0: out\n\nChannel 1: tap\n\nChannel 0: and swap over\n\nChannel 1: tap\n\nChannel 0: at\n\nChannel 1: out\n\nChannel 0: 05:00.\n\nChannel 1: and pop over\n\nChannel 0: And I\n\nChannel 1: at 05:00,\n\nChannel 0: log off\n\nChannel 1: and\n\nChannel 0: from\n\nChannel 1: I\n\nChannel 0: work\n\nChannel 1: Oh.\n\nChannel 0: and\n\nChannel 1: Go\n\nChannel 0: take\n\nChannel 1: back\n\nChannel 0: over\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: work\n\nChannel 0: kids,\n\nChannel 1: and\n\nChannel 0: and\n\nChannel 1: take over kids,\n\nChannel 0: he jumps\n\nChannel 1: and\n\nChannel 0: back on and\n\nChannel 1: he\n\nChannel 0: keeps\n\nChannel 1: jumps\n\nChannel 0: working\n\nChannel 1: back on,\n\nChannel 0: for\n\nChannel 1: and\n\nChannel 0: the afternoon.\n\nChannel 1: he's working for the afternoon. Oh, wow. That works. That's really cool.\n\nChannel 0: Yeah. It worked\n\nChannel 1: At\n\nChannel 0: out\n\nChannel 1: least\n\nChannel 0: nicely.\n\nChannel 1: he has, like nice work. Family time and stuff. That's good. Yeah.\n\nChannel 0: Yeah. Well,\n\nChannel 1: Alright.\n\nChannel 0: Monday\n\nChannel 1: Well, tell\n\nChannel 0: to Wednesday,\n\nChannel 1: him tell\n\nChannel 0: I\n\nChannel 1: him\n\nChannel 0: generally\n\nChannel 1: you\n\nChannel 0: work\n\nChannel 1: Wednesday. I generally\n\nChannel 0: stupid hours,\n\nChannel 1: work\n\nChannel 0: so\n\nChannel 1: two\n\nChannel 0: I don't\n\nChannel 1: good\n\nChannel 0: get\n\nChannel 1: hours.\n\nChannel 0: to see the kids\n\nChannel 1: So\n\nChannel 0: much.\n\nChannel 1: I'm gonna be six months. Yeah. Yeah. Well, tell him you're finished for the day now.\n\nChannel 0: Pretty much.\n\nChannel 1: Yeah.\n\nChannel 0: Nearly.\n\nChannel 1: Pretty much. Yeah.\n\nChannel 0: I'm gonna get\n\nChannel 1: Yeah.\n\nChannel 0: started\n\nChannel 1: Yeah.\n\nChannel 0: on your\n\nChannel 1: Can I get\n\nChannel 0: and\n\nChannel 1: started on\n\nChannel 0: then,\n\nChannel 1: your appointment?\n\nChannel 0: yeah, it'll be dinner\n\nChannel 1: Yep.\n\nChannel 0: run,\n\nChannel 1: Yeah. It'll\n\nChannel 0: Taekwondo,\n\nChannel 1: be dinner\n\nChannel 0: and\n\nChannel 1: on Tae Kwon\n\nChannel 0: because\n\nChannel 1: Do\n\nChannel 0: it's Gold Coast show\n\nChannel 1: and\n\nChannel 0: day\n\nChannel 1: some\n\nChannel 0: this\n\nChannel 1: Gold\n\nChannel 0: tomorrow.\n\nChannel 1: Coast show day\n\nChannel 0: It's\n\nChannel 1: just\n\nChannel 0: a day\n\nChannel 1: tomorrow.\n\nChannel 0: off, so\n\nChannel 1: Oh, good chance.\n\nChannel 0: easy.\n\nChannel 1: It's all happening. Easy. Nice weather and stuff or lots of rain up there.\n\nChannel 0: You there, Rachel?\n\nChannel 1: You're coming through? Yes. Yes. What happened? Hello?\n\nHello? Hello? Hi. Hello?\n\nChannel 0: Oh, there you\n\nChannel 1: Are you on? Oh,\n\nChannel 0: are.\n\nChannel 1: what happened? Did you do the mute?\n\nChannel 0: No. No. Just drop it out for a second.\n\nChannel 1: Oh, okay. Yeah. Okay. No worries.\n\nChannel 0: Perfect.\n\nChannel 1: Alright. Well, yeah, I'll let I'll let you go, and thank you. That all sort of made sense to me as much as I can. And, yeah, that's great. Sounds all good.\n\nSo leave it in your\n\nChannel 0: Perfect.\n\nChannel 1: hands, and I'll speak to you soon.\n\nChannel 0: We will.\n\nChannel 1: Who\n\nChannel 0: Thanks, Jonathan.\n\nChannel 1: will?\n\nChannel 0: Have a good\n\nChannel 1: Great.\n\nChannel 0: one.\n\nChannel 1: Alright. Thank\n\nChannel 0: Bye.\n\nChannel 1: you. Bye.","paragraphs":[{"sentences":[{"text":"Hey,","start":2.56,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.2686091661453247}],"sentiment":"neutral","sentiment_score":0.2686091661453247,"channel":1,"num_words":1,"start":2.56,"end":2.8799999},{"sentences":[{"text":"Good.","start":2.8,"end":3.3,"sentiment":"positive","sentiment_score":0.4133514761924744}],"sentiment":"positive","sentiment_score":0.4133514761924744,"channel":0,"num_words":1,"start":2.8,"end":3.3},{"sentences":[{"text":"girl.","start":2.8799999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.2838156521320343}],"sentiment":"neutral","sentiment_score":0.2838156521320343,"channel":1,"num_words":1,"start":2.8799999,"end":3.3799999},{"sentences":[{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.16627372801303864}],"sentiment":"neutral","sentiment_score":0.16627372801303864,"channel":0,"num_words":1,"start":3.76,"end":4.26},{"sentences":[{"text":"I I have Rachel Scholes on 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you","start":1830.8301,"end":1831.65,"sentiment":"neutral","sentiment_score":-0.014467861192921797}],"sentiment":"neutral","sentiment_score":-0.014467861192921797,"channel":0,"num_words":3,"start":1830.8301,"end":1831.65},{"sentences":[{"text":"Are you on?","start":1831.96,"end":1832.6,"sentiment":"neutral","sentiment_score":-0.01920504868030548},{"text":"Oh,","start":1832.6,"end":1833.0,"sentiment":"neutral","sentiment_score":-0.02906203456223011}],"sentiment":"neutral","sentiment_score":-0.021669295150786638,"channel":1,"num_words":4,"start":1831.96,"end":1833.0},{"sentences":[{"text":"are.","start":1832.91,"end":1833.41,"sentiment":"neutral","sentiment_score":-0.025241058319807053}],"sentiment":"neutral","sentiment_score":-0.025241058319807053,"channel":0,"num_words":1,"start":1832.91,"end":1833.41},{"sentences":[{"text":"what happened?","start":1833.0,"end":1833.5599,"sentiment":"neutral","sentiment_score":-0.05591596104204655},{"text":"Did you do the mute?","start":1833.5599,"end":1834.7,"sentiment":"neutral","sentiment_score":-0.06346747726202011}],"sentiment":"neutral","sentiment_score":-0.06130990119917052,"channel":1,"num_words":7,"start":1833.0,"end":1834.7},{"sentences":[{"text":"No.","start":1834.67,"end":1834.91,"sentiment":"neutral","sentiment_score":-0.0942421406507492},{"text":"No.","start":1834.91,"end":1835.23,"sentiment":"neutral","sentiment_score":-0.08952529728412628},{"text":"Just drop it out for a second.","start":1835.23,"end":1836.93,"sentiment":"neutral","sentiment_score":-0.08779417616980416}],"sentiment":"neutral","sentiment_score":-0.08870296345816718,"channel":0,"num_words":9,"start":1834.67,"end":1836.93},{"sentences":[{"text":"Oh, okay.","start":1837.96,"end":1838.94,"sentiment":"neutral","sentiment_score":0.03135018050670624},{"text":"Yeah.","start":1839.0,"end":1839.32,"sentiment":"neutral","sentiment_score":0.030411921441555023},{"text":"Okay.","start":1839.32,"end":1839.82,"sentiment":"neutral","sentiment_score":0.047248512506484985},{"text":"No worries.","start":1840.065,"end":1840.725,"sentiment":"neutral","sentiment_score":0.10343101993203163}],"sentiment":"neutral","sentiment_score":0.05787047247091929,"channel":1,"num_words":6,"start":1837.96,"end":1840.725},{"sentences":[{"text":"Perfect.","start":1840.725,"end":1841.225,"sentiment":"positive","sentiment_score":0.4437379539012909}],"sentiment":"positive","sentiment_score":0.4437379539012909,"channel":0,"num_words":1,"start":1840.725,"end":1841.225},{"sentences":[{"text":"Alright.","start":1840.7849,"end":1841.105,"sentiment":"neutral","sentiment_score":0.3129551112651825},{"text":"Well, yeah, I'll let I'll let you go, and thank you.","start":1841.105,"end":1843.1849,"sentiment":"positive","sentiment_score":0.4581435593691739},{"text":"That all sort of made sense to me as much as I can.","start":1843.1849,"end":1846.705,"sentiment":"positive","sentiment_score":0.5744561690550584},{"text":"And, yeah, that's great.","start":1846.705,"end":1848.385,"sentiment":"positive","sentiment_score":0.7138974070549011},{"text":"Sounds all good.","start":1848.385,"end":1849.105,"sentiment":"positive","sentiment_score":0.7999447584152222}],"sentiment":"positive","sentiment_score":0.5648715114220977,"channel":1,"num_words":32,"start":1840.7849,"end":1849.105},{"sentences":[{"text":"So leave it in your","start":1849.105,"end":1850.385,"sentiment":"positive","sentiment_score":0.5279173731803894}],"sentiment":"positive","sentiment_score":0.5279173731803894,"channel":1,"num_words":5,"start":1849.105,"end":1850.385},{"sentences":[{"text":"Perfect.","start":1850.267,"end":1850.767,"sentiment":"neutral","sentiment_score":0.29709622263908386}],"sentiment":"neutral","sentiment_score":0.29709622263908386,"channel":0,"num_words":1,"start":1850.267,"end":1850.767},{"sentences":[{"text":"hands, and I'll speak to you soon.","start":1850.385,"end":1852.245,"sentiment":"neutral","sentiment_score":0.32094913721084595}],"sentiment":"neutral","sentiment_score":0.32094913721084595,"channel":1,"num_words":7,"start":1850.385,"end":1852.245},{"sentences":[{"text":"We will.","start":1852.907,"end":1853.647,"sentiment":"neutral","sentiment_score":0.1799148991703987}],"sentiment":"neutral","sentiment_score":0.1799148991703987,"channel":0,"num_words":2,"start":1852.907,"end":1853.647},{"sentences":[{"text":"Who","start":1853.7369,"end":1854.2369,"sentiment":"neutral","sentiment_score":0.16966861486434937}],"sentiment":"neutral","sentiment_score":0.16966861486434937,"channel":1,"num_words":1,"start":1853.7369,"end":1854.2369},{"sentences":[{"text":"Thanks, Jonathan.","start":1853.867,"end":1854.827,"sentiment":"positive","sentiment_score":0.39893320202827454}],"sentiment":"positive","sentiment_score":0.39893320202827454,"channel":0,"num_words":2,"start":1853.867,"end":1854.827},{"sentences":[{"text":"will?","start":1854.4569,"end":1854.9569,"sentiment":"neutral","sentiment_score":0.26432621479034424}],"sentiment":"neutral","sentiment_score":0.26432621479034424,"channel":1,"num_words":1,"start":1854.4569,"end":1854.9569},{"sentences":[{"text":"Have a good","start":1854.827,"end":1855.307,"sentiment":"positive","sentiment_score":0.6106257239977518}],"sentiment":"positive","sentiment_score":0.6106257239977518,"channel":0,"num_words":3,"start":1854.827,"end":1855.307},{"sentences":[{"text":"Great.","start":1855.1769,"end":1855.6769,"sentiment":"positive","sentiment_score":0.5885331034660339}],"sentiment":"positive","sentiment_score":0.5885331034660339,"channel":1,"num_words":1,"start":1855.1769,"end":1855.6769},{"sentences":[{"text":"one.","start":1855.307,"end":1855.807,"sentiment":"positive","sentiment_score":0.434382826089859}],"sentiment":"positive","sentiment_score":0.434382826089859,"channel":0,"num_words":1,"start":1855.307,"end":1855.807},{"sentences":[{"text":"Alright.","start":1856.5369,"end":1857.017,"sentiment":"positive","sentiment_score":0.3585662841796875},{"text":"Thank","start":1857.017,"end":1857.3369,"sentiment":"positive","sentiment_score":0.576064944267273}],"sentiment":"positive","sentiment_score":0.4673156142234802,"channel":1,"num_words":2,"start":1856.5369,"end":1857.3369},{"sentences":[{"text":"Bye.","start":1857.2269,"end":1857.7269,"sentiment":"positive","sentiment_score":0.42845749855041504}],"sentiment":"positive","sentiment_score":0.42845749855041504,"channel":0,"num_words":1,"start":1857.2269,"end":1857.7269},{"sentences":[{"text":"you.","start":1857.3369,"end":1857.8369,"sentiment":"positive","sentiment_score":0.4232127368450165},{"text":"Bye.","start":1857.897,"end":1858.397,"sentiment":"neutral","sentiment_score":-0.1006392538547516}],"sentiment":"neutral","sentiment_score":0.16128674149513245,"channel":1,"num_words":2,"start":1857.3369,"end":1858.397}]},"summary":{"result":"success","short":"A customer named Rachel discusses her life insurance coverage with Lavista, who sends her an email and discusses details of the meeting. They also discuss the customer's income protection and life insurance coverage, including the possibility of being paid for by their employer. The speaker provides information on coverage amounts and explains the benefits of certain policies. They emphasize the importance of planning for unexpected events and the need for coverage for home insurance and maintaining longevity. The conversation also touches on the importance of understanding the policy's benefits and the need for coverage for home insurance. The speaker emphasizes the need for coverage for home insurance and the importance of keeping the mortgage under control. They also mention scheduling a meeting and invite the caller to email them."},"intents":{"segments":[{"text":"She is in the car, and I asked her if she still has time. And she was like, yeah. I'm I'm good. Okay.","start_word":26,"end_word":48,"intents":[{"intent":"Asking about time availability","confidence_score":0.00005134453}]},{"text":"You've got her in 321. Hi, Rachel.","start_word":53,"end_word":59,"intents":[{"intent":"Sharing contact details","confidence_score":0.010116499}]},{"text":"Sorry I missed your call. No.","start_word":70,"end_word":75,"intents":[{"intent":"Apologizing for missing call","confidence_score":0.0009240726}]},{"text":"So long as it sounds like you're you're hands free, I'm more than happy to have a conversation with you anyway to just kind of cover off everything that we need to cover off.","start_word":175,"end_word":208,"intents":[{"intent":"Addressing concerns about the process","confidence_score":1.29669395e-8}]},{"text":"We might as well since the whole thing lapsed. I was a bit silly. I didn't really realize that I could pay from my super myself. Yeah.","start_word":319,"end_word":345,"intents":[{"intent":"Recalling last payment","confidence_score":0.0000020334983}]},{"text":"My super didn't release the money to AIA, and then it just lapsed.","start_word":349,"end_word":361,"intents":[{"intent":"Explaining the issue with the super super","confidence_score":0.000048826532}]},{"text":"So, you know, nothing hidden. Nothing need to be changed from there. I so I guess the the the the probably is the thing that we need to start off with, first and foremost, is me, I guess, trying to get a clear understanding as to where you sit now with, I guess, your debts, your liabilities, what you won't cover for, and where I think like, where where your personal situation lies. Yep.","start_word":449,"end_word":522,"intents":[{"intent":"Clarify understanding","confidence_score":0.08355187}]},{"text":"I guess the I guess the the the clear part that I need to sort of know is what, I guess, cover amounts you want or what you're wanting. Like, do you have an idea as to what you want cover amount wise or or how you want it structured? Or do you want me to kinda go through reexplain like, explain how everything fits, benefits Yes.","start_word":609,"end_word":675,"intents":[{"intent":"Determine coverage requirements","confidence_score":0.025845638},{"intent":"Evaluate reexplain structure","confidence_score":0.0013317904}]},{"text":"Now if you structure life insurance to be paid for personally by you, which means you are both the life insured and the beneficial owner of the policy, there's Yep. no tax deductibility for it being paid for by yourself, and the premium actually ends up being a little bit more expensive.","start_word":737,"end_word":788,"intents":[{"intent":"Structure life insurance","confidence_score":0.31565967},{"intent":"Structure life insurance","confidence_score":0.41370508}]},{"text":"Now the benefits of paying for it by yourself is that you can actually leave the benefit to anyone you want, and you're not restricted to, under a superannuation beneficial owner, the restrictions of the fifth regulation or the fifth act, which is where you have to nominate either a spouse or children or a financial dependent.","start_word":789,"end_word":845,"intents":[{"intent":"Leave benefits to kids","confidence_score":0.01349825}]},{"text":"Total permanent disability, there's a couple of different ways that we can structure it. It. Even, like, being paid for by your super fund, absolutely. That's easy enough. It's just a matter of It's just I guess a matter there's of, like I said, three kind of three definitions kind that of your definitions the TPD that your can be the structured TPD through. can be Now structured realistically through.","start_word":957,"end_word":1026,"intents":[{"intent":"Structure tpd","confidence_score":0.64701587}]},{"text":"Now and generally, realistically and it is generally, the middle of it the is run the definition middle of the that run everyone definition is covered that by, everyone and is that's covered what's by, called an and any that's what's occupation called an definition. any occupation So definition.","start_word":1027,"end_word":1075,"intents":[{"intent":"Describe occupation definitions","confidence_score":0.0007950582}]},{"text":"it means if you're So unable it means to do if you're any unable occupation to do in which any you're trained, occupation qualified, in which you were trained, or have qualified, or experience have in, experiences that's where the Mhmm. policy That's would where pay the policy out. would pay out.","start_word":1077,"end_word":1128,"intents":[{"intent":"Educate about policy options","confidence_score":0.0022325106}]},{"text":"to flick through And an he email kinda put with, through an email like, confirmation with of your a income confirmation of your income for the year, Yeah.","start_word":1796,"end_word":1823,"intents":[{"intent":"Confirm income","confidence_score":0.20371754}]},{"text":"So, yeah, the the the income protection basically is there to generally give you a benefit. The waiting periods are sort of thirty, fifty, ninety days. So what mean what Yes.","start_word":1999,"end_word":2029,"intents":[{"intent":"Provide information","confidence_score":0.058352876}]},{"text":"So, yeah, the the the income protection basically is there to generally give you a benefit. The waiting periods are sort of thirty, fifty, ninety days. So what mean what Yes. that means is you have to sort out the waiting period and then the benefit pays you at the end of the following month. So on a thirty day waiting period, you're not generally gonna see a benefit paid to you until day 60. On Right.","start_word":1999,"end_word":2075,"intents":[{"intent":"Pay benefits","confidence_score":0.0673868}]},{"text":"that means is you have to sort out the waiting period and then the benefit pays you at the end of the following month. So on a thirty day waiting period, you're not generally gonna see a benefit paid to you until day 60. On Right.","start_word":2030,"end_word":2075,"intents":[{"intent":"Sort out waiting periods","confidence_score":0.24700524},{"intent":"Inform about upcoming changes","confidence_score":0.000036185917}]},{"text":"Now with your job, do you have sick leave, long service leave, annual leave accrued?","start_word":2094,"end_word":2108,"intents":[{"intent":"Clarify job status","confidence_score":0.00005457732}]},{"text":"Now with Incon You Protection, know, within there Sunpro are section, options there that are we can sort options of boost that we can sort of boost the benefit. So the rather benefit.","start_word":2371,"end_word":2403,"intents":[{"intent":"Update policy options","confidence_score":0.0013281144}]},{"text":"Okay.","start_word":2667,"end_word":2667,"intents":[{"intent":"Evaluate policy structure","confidence_score":0.08059153}]},{"text":"I think from when I looked at your file, the life insurance policy was previously written to pretty much, they cover the mortgage that you had on the house at the time. So it meant that, Yes.","start_word":2973,"end_word":3009,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.16210055}]},{"text":"I don't really And know then how much it goes up, you know, from having a 100, 200, 304. I don't really know. But I I mean, I'm presuming that 300 is quite low anyway. Is it? Yes?","start_word":3267,"end_word":3304,"intents":[{"intent":"Clarify understanding","confidence_score":0.00015853805}]},{"text":"you were diagnosed So, basically, as if terminally you were diagnosed ill with terminal illness so so, for example, and I guess for this example, is the lead like, I guess, the most we recent believe case the question I've gone of through, recent case I had I've a client gone through. that was I had a diagnosed client that with was stage diagnosed four cancer. with stage four cancer.","start_word":3536,"end_word":3605,"intents":[{"intent":"Discuss case of cancer diagnosis","confidence_score":0.00082813}]},{"text":"that was I had a diagnosed client that with was stage diagnosed four cancer. with stage four cancer.","start_word":3587,"end_word":3604,"intents":[{"intent":"Describe diagnosis of stage four cancer","confidence_score":0.0000031364132}]},{"text":"He had He had an insurance benefit called an insurance benefit called critical illness or critical trauma cover. illness I or will trauma touch base cover.","start_word":3606,"end_word":3631,"intents":[{"intent":"Provide insurance information","confidence_score":0.00467954},{"intent":"Discuss insurance coverage","confidence_score":0.05703312},{"intent":"Explain insurance coverage and income coverage","confidence_score":0.00019620277}]},{"text":"and I explain will what start that basically does in a second. saying what that does in a second. Yep.","start_word":3632,"end_word":3651,"intents":[{"intent":"Explain coverage coverage","confidence_score":0.0032879983}]},{"text":"Quite tragic, but that's sort of, I guess, how all of the policies can interact with each other Yeah. where Yeah.","start_word":3864,"end_word":3884,"intents":[{"intent":"Explain policy interactions","confidence_score":0.0044426257}]},{"text":"I guess the cool The thing with I guess, with the terminal cool thing with illness with terminal is failure that, a, you can is plan that a a little user bit more. can plan The a little bit more.","start_word":4104,"end_word":4143,"intents":[{"intent":"Evaluate terminal plans","confidence_score":0.007652653}]},{"text":"it comes Because to life insurance, when it comes if to it life goes insurance, to your kid if it goes to through your kids your super fund, through your your children super fund, are your children non are tax dependent, which non means tax they will dependent, pay which tax means on the they benefit, will pay tax on the benefit which is Yeah.","start_word":4277,"end_word":4341,"intents":[{"intent":"Explain importance of tpd insurance","confidence_score":0.0000546231}]},{"text":"I can just If schedule you want, a meeting I can just schedule for a meeting two weeks from today. for two weeks Does from that today work for you? Yep.","start_word":5994,"end_word":6024,"intents":[{"intent":"Schedule meeting","confidence_score":0.21455035}]},{"text":"send you a Well, calendar I'll invite I'll just for send you a calendar two weeks invite from today for so that two way weeks it's from booked today in. so that way it's booked in. Mhmm.","start_word":6039,"end_word":6075,"intents":[{"intent":"Send invite","confidence_score":0.13392426}]},{"text":"And I'll look And otherwise, you the email once we I'll get go to off the the email with you at the phone.","start_word":6075,"end_word":6097,"intents":[{"intent":"Get email","confidence_score":0.05887052}]},{"text":"So Well, I'm glad I was bloody able traffic. to sort of I'm sure help out I'm with able some to of sort it. of help out with some of it. Yeah.","start_word":6145,"end_word":6176,"intents":[{"intent":"Help with traffic","confidence_score":0.048548024}]},{"text":"We're gonna do it, don't we? Absolutely. I wish Beautiful.","start_word":6411,"end_word":6420,"intents":[{"intent":"Coordinate communication","confidence_score":0.00013388955}]}]},"sentiments":{"segments":[{"text":"Hey, Good.","start_word":0,"end_word":1,"sentiment":"positive","sentiment_score":0.34098032116889954},{"text":"girl. Hello? I I have Rachel Scholes on the phone.","start_word":2,"end_word":11,"sentiment":"neutral","sentiment_score":0.15667670965194702},{"text":"Oh, cool. I was just trying to email her for a perfect time. Beautiful.","start_word":12,"end_word":25,"sentiment":"positive","sentiment_score":0.5205007791519165},{"text":"She is in the car, and I asked her if she still has time. And she was like, yeah.","start_word":26,"end_word":44,"sentiment":"neutral","sentiment_score":0.2705022692680359},{"text":"I'm I'm good.","start_word":45,"end_word":47,"sentiment":"positive","sentiment_score":0.3650513589382171},{"text":"Okay.","start_word":48,"end_word":48,"sentiment":"neutral","sentiment_score":0.3303712010383606},{"text":"Cool. Thank you. Perfect.","start_word":49,"end_word":52,"sentiment":"positive","sentiment_score":0.5943563580513},{"text":"You've got her in 321. Hi, Rachel. Lavista here. How are you going? Hello.","start_word":53,"end_word":66,"sentiment":"neutral","sentiment_score":0.20839956402778623},{"text":"I'm good. Thanks.","start_word":67,"end_word":69,"sentiment":"positive","sentiment_score":0.3857402205467224},{"text":"Sorry I missed your call. No. That's okay. I was just sending you an email as well just to cover all my bases. I even was even sort of sitting on the the Google Meet because I knew Connor set set the meeting up a Google Meet link as well. So I sort of hit all the bases to try and make sure I could connect with you. Yeah. Yeah. Yeah. I was trying to, like, get out of I ended up having to work today, and I finished at three. I was trying to get out on time. So yeah. No. You're okay. Look. So long as it sounds like you're you're hands free, I'm more than happy to have a conversation with you anyway to just kind of cover off everything that we need to cover off. So I've I've had a look at your, like, your file history because, obviously, you were Yes. kind of Oak Financial and just trying to sort of, I guess, establish where things were previously and kinda go from there. But Yep. realistically speaking, essentially, it's kind of Essentially, a, I guess, a it's bit kind of of a a, I guess, a bit of clean slate. a clean slate. So wanting to look So at everything I wanted with to a look fresh at set everything of with eyes the first set of locks. and I Yeah. kind of build And kind from there. of So there was a net. We might as well since the whole thing lapsed. I was a bit silly. I didn't really realize that I could pay from my super myself. Yeah. And because Yeah. My super didn't release the money to AIA, and then it just lapsed.","start_word":70,"end_word":361,"sentiment":"neutral","sentiment_score":0.029517484828829765},{"text":"And that was, like, really Yep. stupid of me.","start_word":362,"end_word":370,"sentiment":"negative","sentiment_score":-0.469531774520874},{"text":"Because now here I am again going through it, you know, doing it all. But, I mean, hopefully, there's someone better than the AIA or yeah. I don't know. Well, the good thing Well, is is that, like, the we good can thing set is it is up that, to like, pay we can from set your it up SMSF to be paid from your SMS straight off the app bat. Yeah. Straight off of that. Yes. Yes. So, you know, nothing hidden. Nothing need to be changed from there. I so I guess the the the the probably is the thing that we need to start off with, first and foremost, is me, I guess, trying to get a clear understanding as to where you sit now with, I guess, your debts, your liabilities, what you won't cover for, and where I think like, where where your personal situation lies. Yep. Yep. Yeah. Yeah. Sure. Yep. So I want an income protection possibly this Yep. time, which I haven't had before. And, yeah, my total current disability and then life insurance not so high because I obviously need money when I'm alive, not when I'm dead. So yeah. No. That's okay. Okay. So Yeah. we want Are sort of, you there? I guess Yeah. Yeah. Yeah. I'm here. So Yep. I guess that's but we want live TV IP.","start_word":371,"end_word":600,"sentiment":"neutral","sentiment_score":0.02414156310260296},{"text":"So that's nice and easy on that front.","start_word":601,"end_word":608,"sentiment":"positive","sentiment_score":0.5514594316482544},{"text":"I guess the I guess the the the clear part that I need to sort of know is what, I guess, cover amounts you want or what you're wanting. Like, do you have an idea as to what you want cover amount wise or or how you want it structured? Or do you want me to kinda go through reexplain like, explain how everything fits, benefits Yes. of having it structured inside super versus not? Or Yeah. Probably. Yeah. Yeah. okay. No. Cool. I So we'll start at the beginning and go from there. So life insurance, as you know, pays out if you were to pass away or if you're actually diagnosed as permanently disabled sorry. Yes. Permanently ill. The benefit essentially is payable to your estate. Now if you structure life insurance to be paid for personally by you, which means you are both the life insured and the beneficial owner of the policy, there's Yep. no tax deductibility for it being paid for by yourself, and the premium actually ends up being a little bit more expensive. Now the benefits of paying for it by yourself is that you can actually leave the benefit to anyone you want, and you're not restricted to, under a superannuation beneficial owner, the restrictions of the fifth regulation or the fifth act, which is where you have to nominate either a spouse or children or a financial dependent. I'm assuming we're probably leaving the benefit to our kids. I know like, I know they're grown, but Yes. is that sort of who the benefit would be going to in the event that's happened to you? Yes. Yep. Yep. Yep. Yep. Yes. Yep. So, essentially speaking, if if it's paid for by your superannuation fund, the life policy, the benefits are that it's 15% cheaper than if you pay for it personally. The only, Yeah. I'm not I guess paying anything personally. It's all gonna be through my super. all through the super cool. That's okay. Yeah. Okay. Alright. So Yep. Yep. life endurance, that's how that sort of works. Total permanent disability, there's a couple of different ways that we can structure it. It. Even, like, being paid for by your super fund, absolutely.","start_word":609,"end_word":981,"sentiment":"neutral","sentiment_score":0.10348302803074706},{"text":"That's easy enough.","start_word":982,"end_word":984,"sentiment":"positive","sentiment_score":0.3470343351364136},{"text":"It's just a matter of It's just I guess a matter there's of, like I said, three kind of three definitions kind that of your definitions the TPD that your can be the structured TPD through. can be Now structured realistically through. Now and generally, realistically and it is generally, the middle of it the is run the definition middle of the that run everyone definition is covered that by, everyone and is that's covered what's by, called an and any that's what's occupation called an definition. any occupation So definition. it means if you're So unable it means to do if you're any unable occupation to do in which any you're trained, occupation qualified, in which you were trained, or have qualified, or experience have in, experiences that's where the Mhmm. policy That's would where pay the policy out. would pay out. Now the other definition, Now the which other is the definition, lesser which definition, is the less which off is definition, generally not something which I ever is generally like not writing something for I my ever clients like writing and for probably my clients not gonna and be something probably that's not going gonna be to something restrict that's going you to restrict you or or or sort of come or into or play sort for of yourself, coming to plan for yourself. is what's called activities of daily living or it's called loss of independence. So it's where basically you you have to lose lose your independence in being able to do activities of of your daily life to be able to to be able to to sort of take on that policy or or take on that claim, I should say. Now the higher definition for PPD cup is what's called an own occupation definition. Now to get an own occupation definition, generally, you have to pay for some of the premium out of pocket. But what it means is that if you're unable to do your own occupation, then the policy will pay out irrespective of whether you can go back to work and do any other job. Okay. Now you're a plant operator Now you're a to client find operator knowledge, like, of in design the mine knowledge. mine Is that sector. Is that still the case? spelled again? No. I'm a support worker now. Okay. Cool. Okay.","start_word":985,"end_word":1380,"sentiment":"neutral","sentiment_score":-0.012557140131706768},{"text":"Excellent. Cool. Excellent.","start_word":1381,"end_word":1383,"sentiment":"positive","sentiment_score":0.3940083980560303},{"text":"I did have Yeah. I did have I notes did have when I was looking at your file that that I there was sort of maybe did indication that you might have gone to support have. work. I just wasn't Oh, okay. a 100%. So That's alright. Yeah. Sorry. I didn't know what you knew. cool. No. That's Yeah. okay. Oh, So no. That's okay. So so with support work, with support generally work, speaking, generally because of the speaking, manual because labor of that the comes manual from it, labor that comes from it Mhmm. you're probably more You're leaning probably towards an more any leaning occupation towards any definition, occupational designation. Definition. which is Yeah. which Yep. is basically Which is which the is cover basically that any the cover insurer that any would kind of material offer. would kinda offer. Yep. Yep. Okay.","start_word":1384,"end_word":1529,"sentiment":"neutral","sentiment_score":-0.017217638659967133},{"text":"Sounds good.","start_word":1530,"end_word":1531,"sentiment":"positive","sentiment_score":0.439181387424469},{"text":"Now Now what what is, I guess, the is, income I that guess, you're the on income that you're on with with your with with your job occupation? Yeah. What is my income? Oh, what yeah. What yeah. What's your income at the moment? Oh, gosh. I should've had this already. Because I know with the last person I had an appointment with, I sent a heap of details to them first. So and now I'm realizing that I haven't you don't know anything about me really, do you? Yeah. Sorry. No. About yeah. My Probably my records about, kind like, of 15 ceased a couple years ago. $1,500 a week, I suppose. I Is can that tell net you or what gross? 1,500 a week. that's net. Okay. So net 1,500. Alright. So we'll we'll Alright. be looking So well we over a 100 we thousand will be looking for well the over year a 100 then. thousand for the year then. Yes. Yes. That's right. I'll try and find what I earned last year, for example. Okay.","start_word":1532,"end_word":1710,"sentiment":"neutral","sentiment_score":-0.08136992156505585},{"text":"So Cool. I I can I can Cool.","start_word":1711,"end_word":1718,"sentiment":"positive","sentiment_score":0.3797656297683716},{"text":"sort of run I I off can that I can sort for of run now, off and that I can thing always now? send you an Oh, email and I at can the always end of send the email at the end of our phone call when you get home the phone and you're call able when you to get one look it in up? your account to look it And up. you can try Yeah. to flick through And an he email kinda put with, through an email like, confirmation with of your a income confirmation of your income for the year, Yeah. gross For the year, preferably at once, rather than net. preferably.","start_word":1719,"end_word":1833,"sentiment":"neutral","sentiment_score":0.1173826581110125},{"text":"But if it is net, then I'm more than happy to I can gross it up. That's easy enough.","start_word":1834,"end_word":1852,"sentiment":"positive","sentiment_score":0.5788527727127075},{"text":"Now income protection Now being some cover protection of covers you our probably if is you are ill, injured, if you unable to work. The whole point Mhmm. of it is it's a short term benefit, so it gives you cover in the event that you cannot attend work. And there's a waiting period that you have to serve out. So if you get a cold, generally, it's not something that's gonna cover you for the week or two that, you know, you've got a cold. You know, I'm sure you Damn. can hear me at the No.","start_word":1853,"end_word":1950,"sentiment":"neutral","sentiment_score":-0.1260269582271576},{"text":"moment I haven't and the had a delicious cold husky in 10 voice.","start_word":1951,"end_word":1963,"sentiment":"negative","sentiment_score":-0.4001101553440094},{"text":"years, so I think we'll be alright Oh, there. bless.","start_word":1964,"end_word":1973,"sentiment":"neutral","sentiment_score":-0.03995600715279579},{"text":"One of my children brought home something, and I'm I'm rocking a solid head cold this week.","start_word":1974,"end_word":1990,"sentiment":"negative","sentiment_score":-0.3356263339519501},{"text":"But anyway Oh, well. Yeah. no. That's okay. So, yeah, the the the income protection basically is there to generally give you a benefit. The waiting periods are sort of thirty, fifty, ninety days. So what mean what Yes. that means is you have to sort out the waiting period and then the benefit pays you at the end of the following month. So on a thirty day waiting period, you're not generally gonna see a benefit paid to you until day 60. On Right. a 60 Yeah. day waiting period, it's day 90. On a ninety day, it's, like, day a 120. Now with your job, do you have sick leave, long service leave, annual leave accrued? No. I'm casual. Okay. So in other words, we're probably gonna be looking at the shortest possible waiting period possible, which I can have a look because there are some providers that offer a twenty one day, forty and a fourteen day waiting period. So I'll have a look and see whether there's any that offer within your occupation and what we can get there to ensure that we can get Sure that we money can coming get in as quickly money as coming possible in if as quickly anything as happens. possible if anything happens. Yeah. Yeah. Now I guess aside Now from that, I guess with aside regards from that, to with regards to the benefit amounts the that benefit we need, amount that income we need, protection income can cover protection up to can 70 cover percent up to as 70 a base percent of your as income. a base of your income. So for example, if So you for example, earn a 100,000 if you own dollars, a 100,000 the dollars policy can Mhmm. pay you The 70 policy thousand can pay dollars. you $70,000 The on the plan. Okay. Yeah. whole reason for that is The that reason you can for never that be is that better you can off never be underclaim better off what you under are working claim than because what the you whole are point is working, to try because the and whole get you point back is to to work. try and get me back to work. Yeah. For sure. Yep. Yep. Now with Incon You Protection, know, within there Sunpro are section, options there that are we can sort options of boost that we can sort of boost the benefit. So the rather benefit. than 70 So percent, rather we than can 70%, apply we can for sort apply of things for up to that sort 80 of things five up percent to that 85 at percent least for the first six at months least of for any the first claim. six months of any claim. And Okay. therefore, like, Yep. an additional And option therefore, that you like, could an put additional onto the option policy. that you could Is put on that for something policy. that you Is wanna that something look at that you wanna Alright. Options. I'm in here. Maybe I think five Okay. Yep. And then I'll get from an option point of view, obviously, pending price for the the product? Yeah.","start_word":1991,"end_word":2526,"sentiment":"neutral","sentiment_score":0.05236279155490851},{"text":"Sure.","start_word":2527,"end_word":2527,"sentiment":"positive","sentiment_score":0.34673622250556946},{"text":"Yep.","start_word":2528,"end_word":2528,"sentiment":"neutral","sentiment_score":0.3229867219924927},{"text":"So I'll run some comparisons and have a look at what that fits what that sits like there.","start_word":2529,"end_word":2546,"sentiment":"positive","sentiment_score":0.3810481727123261},{"text":"Outside of that, I guess, the life and TPD, you said that TPD was probably something you were gonna need more of than what life was. Generally speaking, when TPD is written, you can write it in two different ways. You can write them as joint, which means if you claim out Which on means TPD, if you claim it cancels that on TV, the life policy. it cancels the last It policy. means that the TPD policy is actually a lot cheaper, or you can write it as a stand alone policy. If you write total purpose as a stand alone, it generally ends up being about twice as much as what it is if it's a write off. Okay. I'll I'll have a look at how I can structure the policy. And once I've written up the kinda quote things out and have a look at some of the different providers to sort of structure it under, I can kind of explain how and why if we structure something one way, it'll work out a different way. But I'll have a look and break down the providers before we kinda jump into the nitty gritty. Now I did need to sort of go through and, I guess, do a bit of a fact find with you, and that's just kind of establish what What what you're gonna need what for you're gonna need for cover amounts. cover now? Yeah. Now, I guess, Now for the life insurance, I guess for did you the wanna life did insurance, you have, like, did a you specific wanna amount did you that have, you like, wanna a certain leave amount the that kids, you wanna leave or the is kids, it just, or is it realistically, just Well, you I don't have actually specifically, want life you insurance?","start_word":2547,"end_word":2853,"sentiment":"neutral","sentiment_score":-0.029162853956222538},{"text":"don't actually want life insurance.","start_word":2854,"end_word":2858,"sentiment":"negative","sentiment_score":-0.49311819672584534},{"text":"But if it makes your TPD Like, if cheaper, it makes then your CBD cheaper, then you'll have it, but it's you'll not have it. an It's important not an important insurance benefit No.","start_word":2859,"end_word":2892,"sentiment":"neutral","sentiment_score":-0.12597505748271942},{"text":"It's for you.","start_word":2893,"end_word":2895,"sentiment":"negative","sentiment_score":-0.3886261582374573},{"text":"not. Insurance benefit for you. It's not that important now where, you know sort of as long as I'm not leaving them in debt, really, so they're not gonna be left in debt, and they're all, you know, got their own thing going on. So yeah. I had it it was my life insurance was for 300,000 before. I mean, I guess Yep. that's not much anyway. So, realistically, could you still be be that or yes. I think from when I looked at your file, the life insurance policy was previously written to pretty much, they cover the mortgage that you had on the house at the time. So it meant that, Yes. essentially, your life insurance cleared out the mortgage debt, which meant that the There house you go. became the house basically became the Yeah. the life insurance benefit, essentially. So it was Yeah. sort Yeah. of like I your get house you. at the time was valued at about $420,000. So Yeah. that Right. made, Yeah. you know if they sold the house, they'd be sort of, you know after all Yeah. the sales cost and everything, just under 400,000 Yeah. that the the kids would sort of split. 110,000. Yeah. Okay. So you see now I only owe, like, a 110, and it's worth a million. And 10,000 So link? Cool. Yeah. yeah. But So do you wanna structure on it paper sort of same way? on on paper, I owe $2.20, but really only $1.10. Family Okay. member pays off How's the other half. how's But that but yeah. if I I can don't sort have the of other ask? half. So you only you are $2.20 Yeah. It's only because someone else pays the other half, but that's not really I don't really advertise that. So this house is in my name. It's my house. So but, yeah, someone else pays half of it off off as well. A family Okay. member. So yeah. Yeah. But That's okay. it doesn't really matter. So So just do yeah. you wanna Low. look at, say, 200,000 to just wipe out the Yeah. entirety of the debt? Mhmm. Yeah. Yeah. Yep. Yep. That's fine. Yeah. Okay. Yeah. I don't really And know then how much it goes up, you know, from having a 100, 200, 304. I don't really know. But I I mean, I'm presuming that 300 is quite low anyway. Is it? Yes? Generally speaking, insurers look at lump sum amount at the at the 250,000. So 250, $507.50 a mil, $1.251.0.5, and then, generally, it's 2 Yeah. mil from there. So that's where Yeah. they Yeah. sort of give lump sum discounts based on amounts insured. So generally speaking, the difference between, say, 200 to $2.50 is quite minimal. Whereas if you write, say, 300,000, it's not as good as what $2,250,000 is. But it's sort of dependent on what you need. So I'll look at 200,000 to wipe the debt or $2.20 to wipe the debt, and then I'll also look at obviously $2.50. Yeah. It doesn't bother me yet, but I'm So fine. Yeah. and then But TPD. you said something before Yeah. on PPD. You said something before about if something happens to you still get you get paid your life insurance? What was that about? I can't remember. So the life insurance is just if you die. Right? Yeah. So life insurance, Yes. like, The the life life insurance insurance policy like life pays insurance out if you policy die is paid or out if if you die you're diagnosed or as terminal, if you're diagnosed so with terminal. terminally Or ill. Yes.","start_word":2896,"end_word":3509,"sentiment":"neutral","sentiment_score":-0.018292567852720716},{"text":"Totally help.","start_word":3510,"end_word":3511,"sentiment":"positive","sentiment_score":0.3829317688941955},{"text":"Now that part. Yeah. Right. So maybe I do need to keep it up high because Yeah. it's So, something basically, if yeah. you were diagnosed So, basically, as if terminally you were diagnosed ill with terminal illness so so, for example, and I guess for this example, is the lead like, I guess, the most we recent believe case the question I've gone of through, recent case I had I've a client gone through. that was I had a diagnosed client that with was stage diagnosed four cancer. with stage four cancer. Yep. He had He had an insurance benefit called an insurance benefit called critical illness or critical trauma cover. illness I or will trauma touch base cover. and I explain will what start that basically does in a second. saying what that does in a second. Yep. But he got paid out But three he 100 got thousand paid dollars out under three that 100 policy thousand dollars under that policy based Mhmm. on his diagnosis. Based on his diagnosis. He then Yep. claimed He income then protection, claimed which income meant he protection, could stop working, which meant and he he got could a stop benefit working, coming and he got in a benefit coming regularly. in regularly. And because of Yep. his stage And four because diagnosis, of this stage he four diagnosis, was actually he given about was twelve actually months given to live. about 12 birthdays. He was paid out He his was paid life insurance out his benefit, life insurance benefit which Okay. at the time was about Which at half the 1,000,000 time dollars, is not $500,000 plus his Right. super Plus fund, his which was supervisor. about $250,000 at the time. So all in all, Yep. he walked away with a very cool million between Yep. all Good the benefits on him. So plus he an should. ongoing income protection benefit. Yep. Prior Perfect. to his death in December, he bought his wife a house, got hold got her all set up, and then unfortunately passed just before Christmas. Yep. Yep. Yeah. Quite tragic, but that's sort of, I guess, how all of the policies can interact with each other Yeah. where Yeah. I because like the he sound of that. Yeah. as tragic as it sounds. I'm trying to get it now. Oh, yeah. I Well, didn't because mean that. But yeah. You know what no. I No. mean? I know. I I deal with it all the time, and sometimes clients and and my like, even my staff and colleagues sit around, and they and they're like, you're so harsh when you talk about it. I'm like, well, when No. you see the It's claim good side to use of things that as all an example. the time, That's it's a yeah. it's And just that's it a good is as example. as it is. As it Yeah. is. Yeah. And, hey, it It's doesn't a good mean example.","start_word":3512,"end_word":4012,"sentiment":"neutral","sentiment_score":-0.04867970601408306},{"text":"I'm heartless.","start_word":4013,"end_word":4014,"sentiment":"negative","sentiment_score":-0.44449013471603394},{"text":"Okay. It I doesn't cried mean when I'm his heartless. wife called I me tried to tell when me his he wife he called he'd me and told passed. me he didn't seem to be So, you Oh, know, yeah. Absolutely. he'd kill Yeah. on the other side too. No.","start_word":4015,"end_word":4064,"sentiment":"neutral","sentiment_score":-0.16307072341442108},{"text":"I love it. It that explains it really well.","start_word":4065,"end_word":4073,"sentiment":"positive","sentiment_score":0.4389793574810028},{"text":"Yeah. Yep. Yeah. So Yeah. So that's obviously one I would one like diagnosis, that. one One one case, diagnosis, one one one avenue. case, one one avenue. The Yeah. I guess the cool The thing with I guess, with the terminal cool thing with illness with terminal is failure that, a, you can is plan that a a little user bit more. can plan The a little bit more. one thing a lawyer has always The one told thing me a is lawyer tell has me always told tell me me the day is before tell me you die, tell and me I can the put day you before in the you die, best position and I can put possible. you in the best position possible. Yeah. Very much same goes Very for much financial same goes planning. for If financial if we planning. we If have if we a a we known have expiration a a date, known expiration we can definitely date, plan in we the can best definitely tax plan position in possible. the best tax position possible. And that's sort of where things And that's kinda come sort of in where because things kinda come when in. it comes Because to life insurance, when it comes if to it life goes insurance, to your kid if it goes to through your kids your super fund, through your your children super fund, are your children non are tax dependent, which non means tax they will dependent, pay which tax means on the they benefit, will pay tax on the benefit which is Yeah. the frustrating Yeah. part. Which is the frustrating part. Yeah. If your diagnosis is If terminally you're ill, diagnosed with family the benefit ill, goes to you tax the free. benefit goes to your tax rate. Irrespective of what age You're you affected are, what age benefit you are, is releasable to benefits you tax really free, which can is, be tax I guess, rate, which the benefit is, on that I guess, side. the benefit on that side. Now with TPD insurance, that's probably the benefit that we do need to make sure that we increase a little bit and why your TPD insurance is gonna be more than what your life insurance is. Because realistically speaking, if you're totally internally disabled, we need to make sure the house is covered. Mortgage repayments are done, but then, Yes. Yes. realistically, we need to make sure that you have longevity income to support you. Yep. That's Yep. Yep. the That reason sounds we can good. do this. We can make sure we just cover the mortgage, and then your income protection policy tell you all the way through to your 65 years old.","start_word":4074,"end_word":4533,"sentiment":"neutral","sentiment_score":-0.02864714040947349},{"text":"That is going to be very expensive.","start_word":4534,"end_word":4540,"sentiment":"negative","sentiment_score":-0.3766748905181885},{"text":"The other avenue Okay. is On is the we other just fees, write if a you TPD just like, policy AT that realistically and T cost. covers Is it realistically your expenses covers your expenses minus your minus mortgage your repayment mortgage repayment until Yep. you're 65 Until you're 50 and or five an age designated and or by an you. age doesn't know about you. Now Okay. last record I Now had was last that you record were looking I had to retire was that you were around looking to 60 retire five to 60 around seven. 50 Is five that to 50 still seven. Is the that go? really the time? Well, yeah, I I don't not really something I think about, and I am, like, single. So, yeah, not really sure, I guess. Okay. No. That that's that's That's okay. that's that's okay. We we can sort of go We with we 60 can go seven with as 57 as a and rough agent now, and a rough agent and I now. can, Did again, you say quote 50 it up. 7? We can always For a play lot with of it. people. Did you say 67 Sixty seven. or 57? 60 Six seven. 7. Oh my god. Yep.","start_word":4541,"end_word":4752,"sentiment":"neutral","sentiment_score":-0.008833118136708607},{"text":"That sounds awful.","start_word":4753,"end_word":4755,"sentiment":"negative","sentiment_score":-0.5739296674728394},{"text":"I know. Wow. I know. I know. But Oh, I can yeah. go with Okay. that. But I The can only go thing with I think that. I need The only to thing know I is think I how need much to you know actually is pay how much in you actually mortgage pay repayments in mortgage each payments cycle, weeks, in months, cycle whatever, week, however you month. pay it. I pay 6 I pay 600 a week. 6 weekly. Cool. 6 Alright. weekly. Cool. So Alright. 6 weekly Yep. out So of six the weekly 15 out of 100 the that we 15 earn. 100 that So we we earn. still have about So nine we still $100 have that $900 in money in that is not tied money up that with the is mortgage not tied per up week with the that we mortgage need to make per sure week we cover. that we need to actually cover. Yep. But do you but because of the yeah. I don't pay any of my mortgage because I've got people living at my house. So does that count or not really? Oh, okay. Oh, Right. This is okay. what you were Right. referencing. This is what you were processing. So are you not So living Yeah. in the Are house you not or living you're in the house or you're Yeah. I live there too, but Okay. I have And then we like, have because I borders have a granny flat. that Borders. Yeah. So I have someone living in my granny flat, and then I have someone in my house too. So they both pay 300 each, and then cool. I And don't that covers actually the pay mortgage. any. And that covers the mortgage? That covers the mortgage. Yep. Okay. So Okay. do we So do not we so we not we so we still need to cover we still the 15 need 100 to cover that you're the 15 earning then? 100 that you're earning then? Because, realistically, you're Because, not paying realistically, the mortgage you're not repayments paying the mortgage that's being repayment covered by that's being the borders covered by the borders within the house. within And the house. And irrespective of you like, irrespective if you of were you, to like, if if you were to you were pay out to the if mortgage, you were to pay out the mortgage, you'd still need the 15 you'd $100 still need a the week 15 that $100 you earn a week that you earn because the mortgage repayments because the is mortgage earnings payment on is top of that. earning on top of that. Yeah. Okay. Yep. Yeah. That's no. That's okay.","start_word":4756,"end_word":5213,"sentiment":"neutral","sentiment_score":-0.00951396495126204},{"text":"Cool.","start_word":5214,"end_word":5214,"sentiment":"positive","sentiment_score":0.3773036599159241},{"text":"That's, Alright. like, That cool. that explains Alright. That a little that bit explains more as to what you were a sort little of more referencing to what on you're that sort side. of referencing on that side. Yeah. Yep. Okay. Alright. No. That's okay. Alright. So I can make sure we replace it replace 1,500 a a week or that ends up being Or 70 whatever 8,000 it is. dollars a year. Oh, Yeah. Yeah. Whatever it ends up being once I you think it's sort of more. have I a look think and it's email more than me. that. Yeah. Oh, Yeah. that's I think that's it's a net smaller. anyway, but yeah. I'll send you an email Oh, yeah. for for details because one of the things I will need to know, while I'm not giving advice on your super fund, I do just need a a quick snapshot of where your superannuation balance sits just so I can make sure that I'm doing my due diligence in terms of the funds being able to support the premium. Because if I ever got Because audited my and I got ordered by ASIC and by or Epic and or hadn't considered the fact haven't that, hey. considered I'm the paying fact for that, insurance hey. I'm paying premiums for from a insurance fund premiums that I'd never from a fund that I've even never looked at, even looked I'd get at, hold over the call I'd get polls. all over the call call. So I Okay. I Yep. just need So to I know that I the just funds need can to know support that the these fund can premiums support long term these premiums and that I'm long not term going to, you and, know, you put you in jeopardy know, could of be in jeopardy of Yeah. going broke Yeah. Because and so I'm and broke or not and being able to pay Oh, for well, it. yeah. Well, yes. Because most of my super is in precious metals as well. So I don't have, like, a great deal of cash. It's getting up it it obviously goes up every week now, but I think Yes. I'm gonna go, like, $1,213,000 in cash No. at That's the moment. okay. No. That's okay. It's in No. silver and gold. That's Yeah. absolutely No. That's not that's absolutely that's that's absolutely fine. It that's can absolutely be invested fine. however, If you like, invested you're you're however, choosing like, to invest your your it jeans are invested Yeah. just so long as, Just I guess so long I just as, need I to know guess sort of, I I guess, just need what to the know balance sort of, I is. guess, So what the balance is. So you would have, I guess, you the the would last have, I report guess, the that the you last did report for the that SMSF you did fund. in the investment. Yep. Just literally Yeah. If a you a just send me an email of what you need from me, and I can send it all a across. provide. And as far as the as far as the income, can I send you what I earned, like, the last financial year, or you want Yeah. Absolutely. recently? If you have either the last Yeah? payslip for the financial year or if you've done your you've completed Yeah. your tax returns, you can send Yeah. that I through haven't done either that either now. way. And Yeah.","start_word":5215,"end_word":5810,"sentiment":"neutral","sentiment_score":-0.027065761872542234},{"text":"Cool. and I'll just use that to be able to base the income protection premium income protection benefit amounts and use that as a multiplier to deal with the the the TPD portion as well. Cool. Alright. Well, I've got a decent basis of everything on where we're going from here.","start_word":5811,"end_word":5861,"sentiment":"positive","sentiment_score":0.3778658509254456},{"text":"So what I'll Yep. do is I'll send you an email this afternoon, get a get all those documents from you, and then I'll quote everything up, have a look I at think the rundown I'll on have things, a look at the rundown and thing and go from Yep. there. And then go Realistically from there. speaking, Yep. I should Real be able speaking, to get everything I should turned be around able to get within the details a couple coming of weeks around within post a couple of weeks you Yep. sending Post those documents. these in your documents. So if you're able to Yeah. get it back Sure. to If me you're able to over get the it back weekend, to me for the weekend if you want, Yeah. I can just If schedule you want, a meeting I can just schedule for a meeting two weeks from today. for two weeks Does from that today work for you? Yep.","start_word":5862,"end_word":6024,"sentiment":"neutral","sentiment_score":0.1941179633140564},{"text":"If that works for you. Sure. Cool.","start_word":6025,"end_word":6031,"sentiment":"positive","sentiment_score":0.3790183663368225},{"text":"Alright. Well, I'll I'll just Alright. send you a Well, calendar I'll invite I'll just for send you a calendar two weeks invite from today for so that two way weeks it's from booked today in. so that way it's booked in. Mhmm. And I'll look And otherwise, you the email once we I'll get go to off the the email with you at the phone.","start_word":6032,"end_word":6097,"sentiment":"neutral","sentiment_score":0.040257048200477256},{"text":"Great. That sounds great. phone. Awesome. Alright. Cool. Thank you.","start_word":6098,"end_word":6107,"sentiment":"positive","sentiment_score":0.5644944310188293},{"text":"Of I course. will let you I go will and finish your let drive, you go and and finish we your will drive talk and get soon. a call booked. Yeah. Yep. Yep. I'm about halfway now. So Well, I'm glad I was bloody able traffic. to sort of I'm sure help out I'm with able some to of sort it. of help out with some of it. Yeah. Yeah. See, I'll ring someone else now. Trust me. That's that's my Oh, do go you see to that? as That's well. that's I think what I I go absolutely through. Yeah. detest I think I absolutely the drive just have to drive. to and from work. Yeah. From My work. poor Yeah. husband hears My from poor me constantly, husband and if it's hears on my me husband, constantly. I think He's gonna my ask sisters, me, mother, like, everyone my sisters, else under mama, the sun. everyone else. Oh, well, my poor brother, he's like he's he's driving again. He hates me calling when I when I'm driving. So it's like, well, that's the only way you're gonna talk to me. Because if I'm home, I'm busy. And Yeah. When I'm driving, I can talk. That's it. Yep. Because Yeah. he doesn't understand because he doesn't work. You see? And he's he's like, Yep. oh, surely you've got some time. I'm like, no. Not really. Yeah. Otherwise, I'm down the beach enjoying myself. Yeah.","start_word":6108,"end_word":6352,"sentiment":"neutral","sentiment_score":-0.0840868130326271},{"text":"I'm enjoying lifetime by I'm lifetime.","start_word":6353,"end_word":6358,"sentiment":"positive","sentiment_score":0.3589726388454437},{"text":"enjoying my phone by my phone. Yeah. And I don't take my phone when I go and do, like, cool things. I think that's the No.","start_word":6359,"end_word":6384,"sentiment":"neutral","sentiment_score":-0.08913514763116837},{"text":"worst idea ever.","start_word":6385,"end_word":6387,"sentiment":"negative","sentiment_score":-0.3589532673358917},{"text":"No. I hate my Shut phone. off from the world Trust me, man. and Cut just off from the exist. world. Yeah. Exactly. We're gonna do it, don't we? Absolutely. I wish Beautiful.","start_word":6388,"end_word":6420,"sentiment":"neutral","sentiment_score":-0.08348803967237473},{"text":"I could do it more Beautiful.","start_word":6421,"end_word":6426,"sentiment":"positive","sentiment_score":0.3623823821544647},{"text":"I often. wish I could do it more often. Yeah. I know. Are you in the Gold Coast, or you're in Brisbane, or where are you from? Work on the Gold Coast, Well, I'm from but the I Gold Live Coast, halfway in but Goldie I live in Brisbane halfway through in because Brisbane. my other Oh. half works in I Brisbane. live in Brisbane. Oh, nice one. Awesome. Are you at Yeah. home now? Because I can see the kids in the Yes. background. Yeah. So Thursday, Yes. Yeah. Friday, Yeah. we work This from is home. Friday. We So work from home. So Oh, the beautiful. my husband's My on my kid husband's duty for on the afternoon, kid duty for the and afternoon. then Oh, yeah. him and I And tap then he and tap I out tap and swap over tap at out 05:00. and pop over And I at 05:00, log off and from I work Oh. and Go take back over to the work kids, and and take over kids, he jumps and back on and he keeps jumps working back on, for and the afternoon. he's working for the afternoon. Oh, wow. That works.","start_word":6427,"end_word":6627,"sentiment":"neutral","sentiment_score":0.06496743112802505},{"text":"That's really cool.","start_word":6628,"end_word":6630,"sentiment":"positive","sentiment_score":0.4545134902000427},{"text":"Yeah. It worked At out least nicely.","start_word":6631,"end_word":6637,"sentiment":"neutral","sentiment_score":0.2695215046405792},{"text":"he has, like nice work. Family time and stuff. That's good.","start_word":6638,"end_word":6648,"sentiment":"positive","sentiment_score":0.36953455209732056},{"text":"Yeah. Yeah. Well, Alright. Monday Well, tell to Wednesday, him tell I him generally you work Wednesday. I generally stupid hours, work so two I don't good get hours. to see the kids So much. I'm gonna be six months. Yeah. Yeah. Well, tell him you're finished for the day now. Pretty much. Yeah. Nearly. Pretty much. Yeah. I'm gonna get Yeah. started Yeah. on your Can I get and started on then, your appointment? yeah, it'll be dinner Yep. run, Yeah. It'll Taekwondo, be dinner and on Tae Kwon because Do it's Gold Coast show and day some this Gold tomorrow. Coast show day It's just a day tomorrow. off, so Oh, good chance.","start_word":6649,"end_word":6763,"sentiment":"neutral","sentiment_score":0.033087958403579566},{"text":"easy. It's all happening. Easy. Nice weather and stuff or lots of rain up there.","start_word":6764,"end_word":6778,"sentiment":"positive","sentiment_score":0.547369658946991},{"text":"You there, Rachel? You're coming through? Yes. Yes. What happened? Hello? Hello? Hello? Hi. Hello? Oh, there you Are you on? Oh, are. what happened? Did you do the mute? No. No. Just drop it out for a second. Oh, okay. Yeah. Okay. No worries.","start_word":6779,"end_word":6823,"sentiment":"neutral","sentiment_score":0.004790280945599079},{"text":"Perfect.","start_word":6824,"end_word":6824,"sentiment":"positive","sentiment_score":0.4437379539012909},{"text":"Alright.","start_word":6825,"end_word":6825,"sentiment":"neutral","sentiment_score":0.3129551112651825},{"text":"Well, yeah, I'll let I'll let you go, and thank you. That all sort of made sense to me as much as I can. And, yeah, that's great. Sounds all good. So leave it in your Perfect.","start_word":6826,"end_word":6862,"sentiment":"positive","sentiment_score":0.5522659420967102},{"text":"hands, and I'll speak to you soon. We will.","start_word":6863,"end_word":6871,"sentiment":"neutral","sentiment_score":0.28601446747779846},{"text":"Who Thanks, Jonathan.","start_word":6872,"end_word":6874,"sentiment":"positive","sentiment_score":0.35308027267456055},{"text":"will?","start_word":6875,"end_word":6875,"sentiment":"neutral","sentiment_score":0.26432621479034424},{"text":"Have a good Great. one. Alright. Thank Bye. you.","start_word":6876,"end_word":6884,"sentiment":"positive","sentiment_score":0.48657920956611633},{"text":"Bye.","start_word":6885,"end_word":6885,"sentiment":"neutral","sentiment_score":0.23533734679222107}],"average":{"sentiment":"neutral","sentiment_score":0.01447172661163804}}}}