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Great to hear. Mate, have you got a bit of time for me now? Fantastic. So I'm gonna pop through this amended advice document through to you. Just before I do that, quick little security check. Do you remember your Oktoob password? That's the one favorite FoodSensation. Fair enough, mate. Fair enough. Whatever works that you can remember, that's fine. Otherwise, three point ID check we can do as well. Cool. And you're okay for the call to be recorded for the old training quality purposes? Fantastic. So I'm popping these documents through to your Outlook email. Will you better have a look onto them with me today, or do you want me to just kind of walk you through them and give you a bit of time to read over? Awesome. So that should come through under signature request from your updated statement of advice. And once you've got that open, there should be a whole bunch of, like, PDF attachments at the bottom and then obviously the digital authorization when you're comfortable. K. And and double check mister b Smith sorry. Mister bmSmith@Outlook.com. Alright. Let me just see if that's popping through. And you've received the emails from us before, haven't you, when you first came on board? I think you came through. Okay? Perfect. I'll give that another minute to come through. You may go through your spam box or your main inbox, but I'll pop it through from my email address as well. Just there we go. Mate, down the bottom, there should be about six attachments, some of them product documents and appendix research, but really just looking for that statement of advice document with the old beachfront Gold Coast picture on it. And just let me know when you've got that one open. Cool. So the main thing with this one was just demanding the insurance strategy. I came up with a few ideas there, came up with a pretty good outcome, but there was a couple little things, bit of a trade off I wanted to discuss with you as well. So if you wanna pop down about three or four pages, just checking the scope of advice there, if you can see that heading. Yep. So that's just talking about that we've already kind of implemented the super advice, and we're just looking at the alternatives for the insurances. We have included, obviously, like, updated projections to show the impact of the premiums on your super. So it's in there as a limited scope. Cool. Now if you go down a little bit further, we've got your details entered in there, which that's all from when you came on board. I'm assuming there hasn't been any two major changes the last few months. Sensational. So if you pop down a little bit further, gonna pull up that section with you. We've got assets and liabilities, current. So far, obviously, we're not doing anything with the military trip at the moment. And if you just go to page 10, it's got your current ClearView policy on there. Yep. So your anniversary that you had with Clearview, it always indexes the cover up just a tiny bit. So you had a mil 40 and now it's a mil 65 of life and security insurance, and the income protection bumped up a tiny bit as well. But the the premiums jumped up to 3,900 out of super. So that's the main thing. The next page, you've got your trauma and child cover, which is $444 a year, 106 grams a year, 53 each for the kids, if that rings them up. Yeah. Well, I've got it kind of split up a little bit, and I'm happy to take your preferences on this, but I've kind of given you the best best possible that I could. And then from there, we can kind of work back if we need to. So if you look at that table below it, it's just got an updated fee comparison. In that blue table just below that former policy, two thirds of the way through, it's got insurance premiums, and it will show you the three three, the two one, the one one because it's all after the 15% rebate. So the provider I found as an alternative to that Zurich that we attempted before was Neos, and they're still about a third off the price. K? Go down a little bit further. You got the projected balance, which it takes into account the growth on those saved premiums over five and ten years. It should save you about 6 to 20,000. And then if you go down a bit further, we've got the policies themselves. So it should say strategy recommendations for Nios, policy one, and out of pocket policies. I've kind of given a bit of a breakdown for you. So the life and CPD, a mil 65, that just matches what you currently got. The income protection, that's based on that base income that we were talking about with a bit of super contributions over the top to get you up to the 8,200. So 7,000 a month comes out to you, 1,200 a month goes out to your super fund. Now if your income has gone up as a baseline, we can flip that around and get a little bit more coming out to you than going into the super if you have a preference for that, but this is just based on that old income that we had. Yep. So that's still fixed. And then you mentioned, I think, you did a lot of overtime the last twelve months, and it's just really pushed things up for this financial year. No. No. That's fair enough. So I'll just cover on the base. That's probably okay. One thing that I'll kind of just flip around with you, if it's okay, is if you're on one twenty and you got 70% of that, that's with 7,000 a month. So I've added the super contributions on top to get it to 8,200, but we can bump it up however far you feel is appropriate. And especially, like, given whatever you actually need to live on as an income replacement. So the check at the moment is 7,000 a month coming out from you okay to live off if you're out of work for six months? Mhmm. Yep. Now bear in mind, it's all based on your, like, disclosed income for the previous twelve months. So whatever you insure for, you go to claim, you give them your twelve month income, and they calculate it based on K. So you've got wiggle room to go up if you need to, but this is the safest amount. K. Any questions on that so far? That sound alright? I believe that. I'll definitely give you some time on that. The second thing is just on the out of pocket stuff that we're just talking about, the trauma, let me break down what I've recommended and get your thoughts on. So the 106,000 for you, that's heart attack, stroke, cancer. Now leave you policy you've got is standard trauma. So it does all the big stuff, heart attack, stroke, and cancer. Now you can get plus cover, which covers you for 30 or 40 additional illnesses. And that's anything from Crohn's disease, polycystic kidney disease, organ failure, partial smaller cancers, partial payments. If you lose an eye, hand, or foot, the list goes on. There's a huge table about it. But, basically, standard trauma policy covers you for the big five, heart attack, stroke, cancer, and so on. Fleetview covers you for about twelve to fifteen, and any plus policy with any provider covers you for all 32. Now the Neos policy, there was only a $5 difference between the standard and the plus. So I did recommend the plus because it was basically the same price. Yeah. Usually, if it was, like, a 30% difference, I'd be definitely having a chat to you about it first, but $5 wasn't too much. Now the child trauma, 53,000 each for both the kids as well on top. And can you see there I know it's on your phone, but can you see it there's a little life insurance policy under where it says out of pocket policy. And it's on the same page on that page 13. Policy one is your super. Second half of the page is the out of pocket trauma side. Yep. The very next line, I've linked up a 106,000 worth of life insurance to the trauma because it actually makes it cheaper overall, funnily enough. So what usually happens is if you've got life insurance and it can act as a big pool of cover, you can link your TPD, link your trauma cover to it. It makes it more affordable. One of the little tricks is if you link life and trauma out of pocket, it's less than just having trauma by itself. K. Yeah. I would never do anything different. Now the only problem with that out of pocket policy is that about $5.51 a year instead of $4.44 to keep it all with the same provider. Yeah. So if you are comfortable with it, what would happen is because we've kept it as a yearly premium because that's less expensive than a monthly premium, is that would come out once the application's done. And then once we cancel the ClearView, you're gonna get a pro rata refund of what you already paid around Christmas time. That half of it. Now if you want, I can make it monthly. So it's, like, $49 a month to spread it through the year. If you're happy to do the annual premium, it saves you about 10%. Yep. Okay. Cool. Alright. So I know you mentioned before that you weren't exactly keen on the the trauma covers and things like that, but that kind of gives you a spread across all four, fully protected for anything that can happen to you. Do you kind of like what we've come up with? Do you wanna go ahead with that? Do you want me to amend anything? Yep. Pretty much. Yeah. Cool. The only other thing is in the appendix, I've included that research just to show you that the the original Zurich policy kinda had the highest feature score, like, policy writing under the hood, Clearview, and they also pretty much the same feature score. It's just that pricing difference of saving a third on the super policy. Cool. Now this was a little bit of a mishmash because we had your original advice document. I've kind of amended it for the new insurances. So it's got all the context in there from when you came on board plus the additional discussion. If there's anything out of the ordinary, just let me know or bring you the details around the date, but that should pretty much cover it. Now to sort of help out a little bit too, you don't have a pen and paper handy, do you, or notes on your so attached to that email is the Neos quote itself breaking down each of the covers for you, including the premiums for each subsection, And that's gonna give you a full breakdown so you can have a good close look at it. But what I want you to just write down is if you have a curious second and you wanna know what's going on with that, what that trauma pays out on, the Neos PDF, you don't have to read all 700 pages of it, but I'll just get you the actual page number with the table on there so you can have a read. It's only about one or two pages. So I'm just gonna bring it up here. Just bear with me. My old laptop's having a bit of a slow down because I got 50 things open. Alright. So the former section for Neos, they call it critical illness. It's interchangeable. It starts on page 20. Yep. Now it gives you just the basics on that front page. When you go down to pages twenty one, twenty two, it's got the tables of the conditions it covers. Yep. So heart, nervous system, organs, blood, other conditions like blindness, loss of hearing, all that kind of thing. Then you've got on 23, it's got partial claims. Yep. So this is the the thing where the plus kinda gives you if you have a smaller cancer or any a partial loss of hearing and things like that or sign, you can still get 25% paid out. And then the child covers on '26. Yep. And my last little thing is just remember, life is if you pass away, TBD is permanent disability. Income protection is temporary. Trauma is you get diagnosed with something. May not put you out. You may even go back to work the next week, but it helps you with taking a bit of time off, looking after the kids. If you wanna go private to speed things up, we'll get better level of care or kind of thing. Cool. Any questions for me before I let you go, sir? No. The digital is fine for that. So in that Odoo email I've sent you, there's a link to do it'll let you scroll through the whole document. Little purple buttons at the top will bring you to the signature section. When you stamp your signature on it, if you actually click on the signature, you can draw it if you prefer. Otherwise, it's just gonna stamp your name on there. The digital is fine for us and the Neil's quote. And then the last thing that happens is we just book you in to go through the application, and you'll get the the final application out to you to sign. Yep. Do you want me to give you a bit of time to obviously read over that, but do you want me to book a tentative appointment with the implementation team or just sort of follow you up next week? Sensational. I think we've got we've got heaps of availability on Monday, Arvo. I'm thinking yeah. About one or 02:00 on Monday, Arvo. Well yep. Now if you've obviously gone through and you're happy and you've signed everything, Jack will pretty much just spend half an hour just doing the application with you and answering any questions you've got. If not, it will just be a bit of a follow-up conversation. Alrighty. Two o'clock your time next Monday, the eighteenth. Alrighty, mate. Anything else for me before I let you go? No worries at all. No. That's fine. That's fine. Once the weather's a bit better, and just bear in mind that we're doing we're trying a little bit of work from home on Thursdays, Fridays with the fuel prices. A little bit of a bonus from old Chevy and the directors there. But Monday, Tuesday, Wednesday, the team obviously will get you a coffee and I'm sorry I missed you last time too. Oh, wow. That's one of pre COVID, that's unheard of. It jumped onto it. Yeah. Right. They just went straight onto it. They're not trying to get you back now, are they? Yep. Everyone's working hard enough. They're they're making enough. It's all good. Yeah. It'd be an uprising. That's what I was gonna say. It's the property issue. Yeah. No worries at all. Yep. Alright. 02:00 next week. Anything you need, just give me a buzz. 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day, Bradley. It's Tommy here from Oakview, mate. How are you going today? I'm living the dream. It's absolutely pouring down over here.\n\nIt's cold, wet, miserable. Yeah? Great to hear. Great to hear. Mate, have you got a bit of time for me now?\n\nFantastic. So I'm gonna pop through this amended advice document through to you. Just before I do that, quick little security check. Do you remember your Oktoob password? That's the one favorite FoodSensation.\n\nFair enough, mate. Fair enough. Whatever works that you can remember, that's fine. Otherwise, three point ID check we can do as well. Cool.\n\nAnd you're okay for the call to be recorded for the old training quality purposes? Fantastic. So I'm popping these documents through to your Outlook email. Will you better have a look onto them with me today, or do you want me to just kind of walk you through them and give you a bit of time to read over? Awesome.\n\nSo that should come through under signature request from your updated statement of advice. And once you've got that open, there should be a whole bunch of, like, PDF attachments at the bottom and then obviously the digital authorization when you're comfortable. K. And and double check mister b Smith sorry. Mister bmSmith@Outlook.com.\n\nAlright. Let me just see if that's popping through. And you've received the emails from us before, haven't you, when you first came on board? I think you came through. Okay?\n\nPerfect. I'll give that another minute to come through. You may go through your spam box or your main inbox, but I'll pop it through from my email address as well. Just there we go. Mate, down the bottom, there should be about six attachments, some of them product documents and appendix research, but really just looking for that statement of advice document with the old beachfront Gold Coast picture on it.\n\nAnd just let me know when you've got that one open. Cool. So the main thing with this one was just demanding the insurance strategy. I came up with a few ideas there, came up with a pretty good outcome, but there was a couple little things, bit of a trade off I wanted to discuss with you as well. So if you wanna pop down about three or four pages, just checking the scope of advice there, if you can see that heading.\n\nYep. So that's just talking about that we've already kind of implemented the super advice, and we're just looking at the alternatives for the insurances. We have included, obviously, like, updated projections to show the impact of the premiums on your super. So it's in there as a limited scope. Cool.\n\nNow if you go down a little bit further, we've got your details entered in there, which that's all from when you came on board. I'm assuming there hasn't been any two major changes the last few months. Sensational. So if you pop down a little bit further, gonna pull up that section with you. We've got assets and liabilities, current.\n\nSo far, obviously, we're not doing anything with the military trip at the moment. And if you just go to page 10, it's got your current ClearView policy on there. Yep. So your anniversary that you had with Clearview, it always indexes the cover up just a tiny bit. So you had a mil 40 and now it's a mil 65 of life and security insurance, and the income protection bumped up a tiny bit as well.\n\nBut the the premiums jumped up to 3,900 out of super. So that's the main thing. The next page, you've got your trauma and child cover, which is $444 a year, 106 grams a year, 53 each for the kids, if that rings them up. Yeah. Well, I've got it kind of split up a little bit, and I'm happy to take your preferences on this, but I've kind of given you the best best possible that I could.\n\nAnd then from there, we can kind of work back if we need to. So if you look at that table below it, it's just got an updated fee comparison. In that blue table just below that former policy, two thirds of the way through, it's got insurance premiums, and it will show you the three three, the two one, the one one because it's all after the 15% rebate. So the provider I found as an alternative to that Zurich that we attempted before was Neos, and they're still about a third off the price. K?\n\nGo down a little bit further. You got the projected balance, which it takes into account the growth on those saved premiums over five and ten years. It should save you about 6 to 20,000. And then if you go down a bit further, we've got the policies themselves. So it should say strategy recommendations for Nios, policy one, and out of pocket policies.\n\nI've kind of given a bit of a breakdown for you. So the life and CPD, a mil 65, that just matches what you currently got. The income protection, that's based on that base income that we were talking about with a bit of super contributions over the top to get you up to the 8,200. So 7,000 a month comes out to you, 1,200 a month goes out to your super fund. Now if your income has gone up as a baseline, we can flip that around and get a little bit more coming out to you than going into the super if you have a preference for that, but this is just based on that old income that we had.\n\nYep. So that's still fixed. And then you mentioned, I think, you did a lot of overtime the last twelve months, and it's just really pushed things up for this financial year. No. No.\n\nThat's fair enough. So I'll just cover on the base. That's probably okay. One thing that I'll kind of just flip around with you, if it's okay, is if you're on one twenty and you got 70% of that, that's with 7,000 a month. So I've added the super contributions on top to get it to 8,200, but we can bump it up however far you feel is appropriate.\n\nAnd especially, like, given whatever you actually need to live on as an income replacement. So the check at the moment is 7,000 a month coming out from you okay to live off if you're out of work for six months? Mhmm. Yep. Now bear in mind, it's all based on your, like, disclosed income for the previous twelve months.\n\nSo whatever you insure for, you go to claim, you give them your twelve month income, and they calculate it based on K. So you've got wiggle room to go up if you need to, but this is the safest amount. K. Any questions on that so far? That sound alright?\n\nI believe that. I'll definitely give you some time on that. The second thing is just on the out of pocket stuff that we're just talking about, the trauma, let me break down what I've recommended and get your thoughts on. So the 106,000 for you, that's heart attack, stroke, cancer. Now leave you policy you've got is standard trauma.\n\nSo it does all the big stuff, heart attack, stroke, and cancer. Now you can get plus cover, which covers you for 30 or 40 additional illnesses. And that's anything from Crohn's disease, polycystic kidney disease, organ failure, partial smaller cancers, partial payments. If you lose an eye, hand, or foot, the list goes on. There's a huge table about it.\n\nBut, basically, standard trauma policy covers you for the big five, heart attack, stroke, cancer, and so on. Fleetview covers you for about twelve to fifteen, and any plus policy with any provider covers you for all 32. Now the Neos policy, there was only a $5 difference between the standard and the plus. So I did recommend the plus because it was basically the same price. Yeah.\n\nUsually, if it was, like, a 30% difference, I'd be definitely having a chat to you about it first, but $5 wasn't too much. Now the child trauma, 53,000 each for both the kids as well on top. And can you see there I know it's on your phone, but can you see it there's a little life insurance policy under where it says out of pocket policy. And it's on the same page on that page 13. Policy one is your super.\n\nSecond half of the page is the out of pocket trauma side. Yep. The very next line, I've linked up a 106,000 worth of life insurance to the trauma because it actually makes it cheaper overall, funnily enough. So what usually happens is if you've got life insurance and it can act as a big pool of cover, you can link your TPD, link your trauma cover to it. It makes it more affordable.\n\nOne of the little tricks is if you link life and trauma out of pocket, it's less than just having trauma by itself. K. Yeah. I would never do anything different. Now the only problem with that out of pocket policy is that about $5.51 a year instead of $4.44 to keep it all with the same provider.\n\nYeah. So if you are comfortable with it, what would happen is because we've kept it as a yearly premium because that's less expensive than a monthly premium, is that would come out once the application's done. And then once we cancel the ClearView, you're gonna get a pro rata refund of what you already paid around Christmas time. That half of it. Now if you want, I can make it monthly.\n\nSo it's, like, $49 a month to spread it through the year. If you're happy to do the annual premium, it saves you about 10%. Yep. Okay. Cool.\n\nAlright. So I know you mentioned before that you weren't exactly keen on the the trauma covers and things like that, but that kind of gives you a spread across all four, fully protected for anything that can happen to you. Do you kind of like what we've come up with? Do you wanna go ahead with that? Do you want me to amend anything?\n\nYep. Pretty much. Yeah. Cool. The only other thing is in the appendix, I've included that research just to show you that the the original Zurich policy kinda had the highest feature score, like, policy writing under the hood, Clearview, and they also pretty much the same feature score.\n\nIt's just that pricing difference of saving a third on the super policy. Cool. Now this was a little bit of a mishmash because we had your original advice document. I've kind of amended it for the new insurances. So it's got all the context in there from when you came on board plus the additional discussion.\n\nIf there's anything out of the ordinary, just let me know or bring you the details around the date, but that should pretty much cover it. Now to sort of help out a little bit too, you don't have a pen and paper handy, do you, or notes on your so attached to that email is the Neos quote itself breaking down each of the covers for you, including the premiums for each subsection, And that's gonna give you a full breakdown so you can have a good close look at it. But what I want you to just write down is if you have a curious second and you wanna know what's going on with that, what that trauma pays out on, the Neos PDF, you don't have to read all 700 pages of it, but I'll just get you the actual page number with the table on there so you can have a read. It's only about one or two pages. So I'm just gonna bring it up here.\n\nJust bear with me. My old laptop's having a bit of a slow down because I got 50 things open. Alright. So the former section for Neos, they call it critical illness. It's interchangeable.\n\nIt starts on page 20. Yep. Now it gives you just the basics on that front page. When you go down to pages twenty one, twenty two, it's got the tables of the conditions it covers. Yep.\n\nSo heart, nervous system, organs, blood, other conditions like blindness, loss of hearing, all that kind of thing. Then you've got on 23, it's got partial claims. Yep. So this is the the thing where the plus kinda gives you if you have a smaller cancer or any a partial loss of hearing and things like that or sign, you can still get 25% paid out. And then the child covers on '26.\n\nYep. And my last little thing is just remember, life is if you pass away, TBD is permanent disability. Income protection is temporary. Trauma is you get diagnosed with something. May not put you out.\n\nYou may even go back to work the next week, but it helps you with taking a bit of time off, looking after the kids. If you wanna go private to speed things up, we'll get better level of care or kind of thing. Cool. Any questions for me before I let you go, sir? No.\n\nThe digital is fine for that. So in that Odoo email I've sent you, there's a link to do it'll let you scroll through the whole document. Little purple buttons at the top will bring you to the signature section. When you stamp your signature on it, if you actually click on the signature, you can draw it if you prefer. Otherwise, it's just gonna stamp your name on there.\n\nThe digital is fine for us and the Neil's quote. And then the last thing that happens is we just book you in to go through the application, and you'll get the the final application out to you to sign. Yep. Do you want me to give you a bit of time to obviously read over that, but do you want me to book a tentative appointment with the implementation team or just sort of follow you up next week? Sensational.\n\nI think we've got we've got heaps of availability on Monday, Arvo. I'm thinking yeah. About one or 02:00 on Monday, Arvo. Well yep. Now if you've obviously gone through and you're happy and you've signed everything, Jack will pretty much just spend half an hour just doing the application with you and answering any questions you've got.\n\nIf not, it will just be a bit of a follow-up conversation. Alrighty. Two o'clock your time next Monday, the eighteenth. Alrighty, mate. Anything else for me before I let you go?\n\nNo worries at all. No. That's fine. That's fine. Once the weather's a bit better, and just bear in mind that we're doing we're trying a little bit of work from home on Thursdays, Fridays with the fuel prices.\n\nA little bit of a bonus from old Chevy and the directors there. But Monday, Tuesday, Wednesday, the team obviously will get you a coffee and I'm sorry I missed you last time too. Oh, wow. That's one of pre COVID, that's unheard of. It jumped onto it.\n\nYeah. Right. They just went straight onto it. They're not trying to get you back now, are they? Yep.\n\nEveryone's working hard enough. They're they're making enough. It's all good. Yeah. It'd be an uprising.\n\nThat's what I was gonna say. It's the property issue. Yeah. No worries at all. Yep.\n\nAlright. 02:00 next week. Anything you need, just give me a buzz. Thanks for having me.","paragraphs":[{"sentences":[{"text":"Good day, Bradley.","start":4.7999997,"end":5.52,"sentiment":"positive","sentiment_score":0.5316302180290222},{"text":"It's Tommy here from Oakview, mate.","start":5.52,"end":6.8799996,"sentiment":"positive","sentiment_score":0.3690522760152817},{"text":"How are you going today?","start":6.8799996,"end":8.18,"sentiment":"positive","sentiment_score":0.41216652989387514},{"text":"I'm living the dream.","start":10.32,"end":11.44,"sentiment":"positive","sentiment_score":0.4208599478006363},{"text":"It's absolutely pouring down over here.","start":11.44,"end":14.325,"sentiment":"neutral","sentiment_score":0.011883063862721128}],"sentiment":"neutral","sentiment_score":0.31769896391779184,"num_words":24,"start":4.7999997,"end":14.325},{"sentences":[{"text":"It's cold, wet, miserable.","start":15.125,"end":16.404999,"sentiment":"neutral","sentiment_score":-0.23538972437381744},{"text":"Yeah?","start":16.404999,"end":16.904999,"sentiment":"neutral","sentiment_score":-0.04948117956519127},{"text":"Great to hear.","start":29.380001,"end":30.02,"sentiment":"positive","sentiment_score":0.6798582077026367},{"text":"Great to hear.","start":30.02,"end":30.58,"sentiment":"positive","sentiment_score":0.5505323708057404},{"text":"Mate, have you got a bit of time for me now?","start":30.58,"end":32.68,"sentiment":"neutral","sentiment_score":0.09553803317248821}],"sentiment":"neutral","sentiment_score":0.17050227378918367,"num_words":22,"start":15.125,"end":32.68},{"sentences":[{"text":"Fantastic.","start":34.98,"end":35.48,"sentiment":"positive","sentiment_score":0.561538815498352},{"text":"So I'm gonna pop through this amended advice document through to you.","start":35.78,"end":39.555,"sentiment":"neutral","sentiment_score":0.27808628355463344},{"text":"Just before I do that, quick little security check.","start":40.115,"end":43.395,"sentiment":"neutral","sentiment_score":0.043690386745664805},{"text":"Do you remember your Oktoob password?","start":43.395,"end":45.735,"sentiment":"neutral","sentiment_score":0.03669507522135973},{"text":"That's the one favorite FoodSensation.","start":48.675,"end":50.935,"sentiment":"neutral","sentiment_score":0.2583781272172928}],"sentiment":"neutral","sentiment_score":0.17587420564483514,"num_words":33,"start":34.98,"end":50.935},{"sentences":[{"text":"Fair enough, mate.","start":63.65,"end":64.53,"sentiment":"neutral","sentiment_score":0.06668361152211826},{"text":"Fair enough.","start":64.53,"end":65.175,"sentiment":"neutral","sentiment_score":0.08313122019171715},{"text":"Whatever works that you can remember, that's fine.","start":65.33501,"end":67.175,"sentiment":"neutral","sentiment_score":0.07794281002134085},{"text":"Otherwise, three point ID check we can do as well.","start":67.175,"end":70.15501,"sentiment":"neutral","sentiment_score":0.027202827110886573},{"text":"Cool.","start":71.895004,"end":72.215004,"sentiment":"neutral","sentiment_score":0.11663081496953964}],"sentiment":"neutral","sentiment_score":0.057438118383288383,"num_words":24,"start":63.65,"end":72.215004},{"sentences":[{"text":"And you're okay for the call to be recorded for the old training quality purposes?","start":72.215004,"end":75.995,"sentiment":"neutral","sentiment_score":0.03265158186356227},{"text":"Fantastic.","start":77.990005,"end":78.39,"sentiment":"positive","sentiment_score":0.41441410779953},{"text":"So I'm popping these documents through to your Outlook email.","start":78.39,"end":81.130005,"sentiment":"neutral","sentiment_score":0.19955509752035142},{"text":"Will you better have a look onto them with me today, or do you want me to just kind of walk you through them and give you a bit of time to read over?","start":81.19,"end":86.41,"sentiment":"neutral","sentiment_score":0.14491215457811074},{"text":"Awesome.","start":90.235,"end":90.555,"sentiment":"positive","sentiment_score":0.33968794345855713}],"sentiment":"neutral","sentiment_score":0.1338760657388656,"num_words":61,"start":72.215004,"end":90.555},{"sentences":[{"text":"So that should come through under signature request from your updated statement of advice.","start":90.555,"end":96.335,"sentiment":"neutral","sentiment_score":0.17726707511714526},{"text":"And once you've got that open, there should be a whole bunch of, like, PDF attachments at the bottom and then obviously the digital authorization when you're comfortable.","start":96.875,"end":105.615,"sentiment":"neutral","sentiment_score":0.08429556486329862},{"text":"K.","start":112.350006,"end":112.850006,"sentiment":"neutral","sentiment_score":-0.007747931405901909},{"text":"And and double check mister b Smith sorry.","start":113.47,"end":117.55,"sentiment":"neutral","sentiment_score":-0.023677430348470807},{"text":"Mister bmSmith@Outlook.com.","start":117.55,"end":120.29,"sentiment":"neutral","sentiment_score":-0.009888976812362671}],"sentiment":"neutral","sentiment_score":0.08726546301875475,"num_words":53,"start":90.555,"end":120.29},{"sentences":[{"text":"Alright.","start":122.265,"end":122.665,"sentiment":"neutral","sentiment_score":0.016044585034251213},{"text":"Let me just see if that's popping through.","start":122.665,"end":124.845,"sentiment":"neutral","sentiment_score":-0.011141500202938914},{"text":"And you've received the emails from us before, haven't you, when you first came on board?","start":128.985,"end":132.745,"sentiment":"neutral","sentiment_score":0.032655001734383404},{"text":"I think you came through.","start":132.745,"end":133.625,"sentiment":"neutral","sentiment_score":0.09763736873865128},{"text":"Okay?","start":133.625,"end":134.125,"sentiment":"neutral","sentiment_score":0.18633237481117249}],"sentiment":"neutral","sentiment_score":0.03625522031178398,"num_words":31,"start":122.265,"end":134.125},{"sentences":[{"text":"Perfect.","start":137.24,"end":137.74,"sentiment":"positive","sentiment_score":0.6433839797973633},{"text":"I'll give that another minute to come through.","start":138.36,"end":139.88,"sentiment":"positive","sentiment_score":0.3542807586491108},{"text":"You may go through your spam box or your main inbox, but I'll pop it through from my email address as well.","start":139.88,"end":144.86,"sentiment":"neutral","sentiment_score":0.05096459752795371},{"text":"Just there we go.","start":145.0,"end":147.735,"sentiment":"neutral","sentiment_score":0.041367098689079285},{"text":"Mate, down the bottom, there should be about six attachments, some of them product documents and appendix research, but really just looking for that statement of advice document with the old beachfront Gold Coast picture on it.","start":147.735,"end":159.9,"sentiment":"neutral","sentiment_score":0.041577249060611464}],"sentiment":"neutral","sentiment_score":0.08753719173061351,"num_words":72,"start":137.24,"end":159.9},{"sentences":[{"text":"And just let me know when you've got that one open.","start":161.73999,"end":164.0,"sentiment":"neutral","sentiment_score":0.02262959595430981},{"text":"Cool.","start":166.06,"end":166.45999,"sentiment":"neutral","sentiment_score":0.31078609824180603},{"text":"So the main thing with this one was just demanding the insurance strategy.","start":166.45999,"end":171.2,"sentiment":"neutral","sentiment_score":0.19903347010795885},{"text":"I came up with a few ideas there, came up with a pretty good outcome, but there was a couple little things, bit of a trade off I wanted to discuss with you as well.","start":171.65999,"end":180.545,"sentiment":"neutral","sentiment_score":0.20681423587458475},{"text":"So if you wanna pop down about three or four pages, just checking the scope of advice there, if you can see that heading.","start":180.685,"end":187.74501,"sentiment":"neutral","sentiment_score":0.03499006468337029}],"sentiment":"neutral","sentiment_score":0.133635792537548,"num_words":84,"start":161.73999,"end":187.74501},{"sentences":[{"text":"Yep.","start":188.25,"end":188.48999,"sentiment":"neutral","sentiment_score":0.046894900500774384},{"text":"So that's just talking about that we've already kind of implemented the super advice, and we're just looking at the alternatives for the insurances.","start":188.48999,"end":196.98999,"sentiment":"neutral","sentiment_score":0.04747039886812369},{"text":"We have included, obviously, like, updated projections to show the impact of the premiums on your super.","start":197.53,"end":202.75,"sentiment":"neutral","sentiment_score":0.012056353556759217},{"text":"So it's in there as a limited scope.","start":202.845,"end":205.025,"sentiment":"neutral","sentiment_score":-0.04999977583065629},{"text":"Cool.","start":207.085,"end":207.585,"sentiment":"neutral","sentiment_score":0.1605544537305832}],"sentiment":"neutral","sentiment_score":0.022582328056587893,"num_words":51,"start":188.25,"end":207.585},{"sentences":[{"text":"Now if you go down a little bit further, we've got your details entered in there, which that's all from when you came on board.","start":207.885,"end":215.005,"sentiment":"neutral","sentiment_score":0.06515007838606834},{"text":"I'm assuming there hasn't been any two major changes the last few months.","start":215.005,"end":218.785,"sentiment":"neutral","sentiment_score":-0.07774102960068446},{"text":"Sensational.","start":221.22,"end":221.72,"sentiment":"neutral","sentiment_score":-0.1889008581638336},{"text":"So if you pop down a little bit further, gonna pull up that section with you.","start":222.26001,"end":227.32,"sentiment":"neutral","sentiment_score":-0.036432818858884275},{"text":"We've got assets and liabilities, current.","start":227.94,"end":232.715,"sentiment":"neutral","sentiment_score":-0.06952410998443763}],"sentiment":"neutral","sentiment_score":-0.00935823024540651,"num_words":61,"start":207.885,"end":232.715},{"sentences":[{"text":"So far, obviously, we're not doing anything with the military trip at the moment.","start":232.715,"end":235.69499,"sentiment":"neutral","sentiment_score":-0.2934576134596552},{"text":"And if you just go to page 10, it's got your current ClearView policy on there.","start":235.995,"end":239.69499,"sentiment":"neutral","sentiment_score":-0.04239426041021943},{"text":"Yep.","start":248.25,"end":248.73,"sentiment":"neutral","sentiment_score":-0.023192057386040688},{"text":"So your anniversary that you had with Clearview, it always indexes the cover up just a tiny bit.","start":248.73,"end":254.48999,"sentiment":"neutral","sentiment_score":0.2513867144783338},{"text":"So you had a mil 40 and now it's a mil 65 of life and security insurance, and the income protection bumped up a tiny bit as well.","start":254.48999,"end":262.185,"sentiment":"neutral","sentiment_score":0.22530668867485865}],"sentiment":"neutral","sentiment_score":0.07822910819638085,"num_words":77,"start":232.715,"end":262.185},{"sentences":[{"text":"But the the premiums jumped up to 3,900 out of super.","start":262.745,"end":267.085,"sentiment":"neutral","sentiment_score":0.201960413293405},{"text":"So that's the main thing.","start":269.54498,"end":270.925,"sentiment":"neutral","sentiment_score":0.20628897547721864},{"text":"The next page, you've got your trauma and child cover, which is $444 a year, 106 grams a year, 53 each for the kids, if that rings them up.","start":271.225,"end":282.15997,"sentiment":"neutral","sentiment_score":0.08401623933479704},{"text":"Yeah.","start":304.65002,"end":304.89,"sentiment":"neutral","sentiment_score":0.2020236849784851},{"text":"Well, I've got it kind of split up a little bit, and I'm happy to take your preferences on this, but I've kind of given you the best best possible that I could.","start":304.89,"end":314.035,"sentiment":"neutral","sentiment_score":0.3105860153834025}],"sentiment":"neutral","sentiment_score":0.20431446274624596,"num_words":79,"start":262.745,"end":314.035},{"sentences":[{"text":"And then from there, we can kind of work back if we need to.","start":314.17502,"end":317.075,"sentiment":"neutral","sentiment_score":0.12284922120826584},{"text":"So if you look at that table below it, it's just got an updated fee comparison.","start":318.89502,"end":323.15503,"sentiment":"neutral","sentiment_score":0.1466853437013924},{"text":"In that blue table just below that former policy, two thirds of the way through, it's got insurance premiums, and it will show you the three three, the two one, the one one because it's all after the 15% rebate.","start":324.255,"end":337.9,"sentiment":"neutral","sentiment_score":0.08464502952992917},{"text":"So the provider I found as an alternative to that Zurich that we attempted before was Neos, and they're still about a third off the price.","start":339.895,"end":347.35498,"sentiment":"neutral","sentiment_score":0.103563518048479},{"text":"K?","start":351.41498,"end":351.91498,"sentiment":"neutral","sentiment_score":0.06436346471309662}],"sentiment":"neutral","sentiment_score":0.10525433722998678,"num_words":97,"start":314.17502,"end":351.91498},{"sentences":[{"text":"Go down a little bit further.","start":352.09998,"end":353.56,"sentiment":"neutral","sentiment_score":0.08983729283014934},{"text":"You got the projected balance, which it takes into account the growth on those saved premiums over five and ten years.","start":353.62,"end":360.03998,"sentiment":"neutral","sentiment_score":0.2412383428641728},{"text":"It should save you about 6 to 20,000.","start":360.18,"end":362.59998,"sentiment":"positive","sentiment_score":0.3441467806696892},{"text":"And then if you go down a bit further, we've got the policies themselves.","start":366.755,"end":369.815,"sentiment":"neutral","sentiment_score":0.13670096759285247},{"text":"So it should say strategy recommendations for Nios, policy one, and out of pocket policies.","start":370.755,"end":376.435,"sentiment":"neutral","sentiment_score":0.15187154859304428}],"sentiment":"neutral","sentiment_score":0.19609515590127558,"num_words":64,"start":352.09998,"end":376.435},{"sentences":[{"text":"I've kind of given a bit of a breakdown for you.","start":376.435,"end":378.72,"sentiment":"neutral","sentiment_score":0.18367879634553735},{"text":"So the life and CPD, a mil 65, that just matches what you currently got.","start":381.04,"end":385.78,"sentiment":"neutral","sentiment_score":0.12440508206685384},{"text":"The income protection, that's based on that base income that we were talking about with a bit of super contributions over the top to get you up to the 8,200.","start":385.92,"end":394.905,"sentiment":"neutral","sentiment_score":0.12219552248716355},{"text":"So 7,000 a month comes out to you, 1,200 a month goes out to your super fund.","start":396.405,"end":401.86502,"sentiment":"neutral","sentiment_score":0.09273208458633984},{"text":"Now if your income has gone up as a baseline, we can flip that around and get a little bit more coming out to you than going into the super if you have a preference for that, but this is just based on that old income that we had.","start":402.165,"end":414.88,"sentiment":"neutral","sentiment_score":0.05558051556652906}],"sentiment":"neutral","sentiment_score":0.09714999480447808,"num_words":122,"start":376.435,"end":414.88},{"sentences":[{"text":"Yep.","start":429.975,"end":430.295,"sentiment":"neutral","sentiment_score":0.1317271739244461},{"text":"So that's still fixed.","start":430.295,"end":431.335,"sentiment":"neutral","sentiment_score":0.14103014767169952},{"text":"And then you mentioned, I think, you did a lot of overtime the last twelve months, and it's just really pushed things up for this financial year.","start":431.335,"end":437.63998,"sentiment":"neutral","sentiment_score":-0.24584591223133934},{"text":"No.","start":443.54,"end":443.86,"sentiment":"neutral","sentiment_score":-0.30987781286239624},{"text":"No.","start":443.86,"end":444.1,"sentiment":"neutral","sentiment_score":-0.29665252566337585}],"sentiment":"neutral","sentiment_score":-0.1926035942400203,"num_words":34,"start":429.975,"end":444.1},{"sentences":[{"text":"That's fair enough.","start":444.1,"end":444.97998,"sentiment":"neutral","sentiment_score":-0.17481664816538492},{"text":"So I'll just cover on the base.","start":444.97998,"end":446.58,"sentiment":"neutral","sentiment_score":-0.03723128831812313},{"text":"That's probably okay.","start":446.58,"end":447.8,"sentiment":"neutral","sentiment_score":0.1197667916615804},{"text":"One thing that I'll kind of just flip around with you, if it's okay, is if you're on one twenty and you got 70% of that, that's with 7,000 a month.","start":448.66,"end":459.935,"sentiment":"neutral","sentiment_score":-0.008791038916716653},{"text":"So I've added the super contributions on top to get it to 8,200, but we can bump it up however far you feel is appropriate.","start":460.395,"end":469.33,"sentiment":"neutral","sentiment_score":0.14248058319091797}],"sentiment":"neutral","sentiment_score":0.04150324326980373,"num_words":69,"start":444.1,"end":469.33},{"sentences":[{"text":"And especially, like, given whatever you actually need to live on as an income replacement.","start":470.19,"end":475.81,"sentiment":"neutral","sentiment_score":0.060429982095956805},{"text":"So the check at the moment is 7,000 a month coming out from you okay to live off if you're out of work for six months?","start":486.735,"end":493.44,"sentiment":"neutral","sentiment_score":-0.07779334879551943},{"text":"Mhmm.","start":528.465,"end":528.965,"sentiment":"neutral","sentiment_score":-0.010314784944057465},{"text":"Yep.","start":537.745,"end":538.245,"sentiment":"neutral","sentiment_score":0.15187400579452515},{"text":"Now bear in mind, it's all based on your, like, disclosed income for the previous twelve months.","start":539.18,"end":544.54,"sentiment":"neutral","sentiment_score":0.06531377487322863}],"sentiment":"neutral","sentiment_score":0.0022619342741866904,"num_words":60,"start":470.19,"end":544.54},{"sentences":[{"text":"So whatever you insure for, you go to claim, you give them your twelve month income, and they calculate it based on K.","start":544.54,"end":553.455,"sentiment":"neutral","sentiment_score":0.07942329087983006},{"text":"So you've got wiggle room to go up if you need to, but this is the safest amount.","start":553.455,"end":558.035,"sentiment":"neutral","sentiment_score":0.16857144981622696},{"text":"K.","start":561.375,"end":561.615,"sentiment":"neutral","sentiment_score":0.09829774498939514},{"text":"Any questions on that so far?","start":561.615,"end":562.895,"sentiment":"neutral","sentiment_score":0.129585483421882},{"text":"That sound alright?","start":562.895,"end":563.875,"sentiment":"neutral","sentiment_score":0.13391585648059845}],"sentiment":"neutral","sentiment_score":0.12036431376256194,"num_words":51,"start":544.54,"end":563.875},{"sentences":[{"text":"I believe that.","start":571.67,"end":572.47,"sentiment":"neutral","sentiment_score":0.05499836802482605},{"text":"I'll definitely give you some time on that.","start":572.47,"end":574.14996,"sentiment":"neutral","sentiment_score":0.24669303558766842},{"text":"The second thing is just on the out of pocket stuff that we're just talking about, the trauma, let me break down what I've recommended and get your thoughts on.","start":574.14996,"end":581.775,"sentiment":"neutral","sentiment_score":0.0576038100446264},{"text":"So the 106,000 for you, that's heart attack, stroke, cancer.","start":583.915,"end":589.695,"sentiment":"neutral","sentiment_score":0.060310890153050425},{"text":"Now leave you policy you've got is standard trauma.","start":590.25,"end":594.35004,"sentiment":"neutral","sentiment_score":0.09103621252708965}],"sentiment":"neutral","sentiment_score":0.08815147507314881,"num_words":60,"start":571.67,"end":594.35004},{"sentences":[{"text":"So it does all the big stuff, heart attack, stroke, and cancer.","start":594.65,"end":597.87,"sentiment":"neutral","sentiment_score":0.09628773418565591},{"text":"Now you can get plus cover, which covers you for 30 or 40 additional illnesses.","start":598.57,"end":606.285,"sentiment":"neutral","sentiment_score":0.10563679685195287},{"text":"And that's anything from Crohn's disease, polycystic kidney disease, organ failure, partial smaller cancers, partial payments.","start":606.905,"end":615.645,"sentiment":"neutral","sentiment_score":0.02807339740684256},{"text":"If you lose an eye, hand, or foot, the list goes on.","start":615.945,"end":619.77,"sentiment":"neutral","sentiment_score":-0.00020669602478543916},{"text":"There's a huge table about it.","start":619.77,"end":621.53,"sentiment":"neutral","sentiment_score":0.04473252408206463}],"sentiment":"neutral","sentiment_score":0.05664088383133783,"num_words":61,"start":594.65,"end":621.53},{"sentences":[{"text":"But, basically, standard trauma policy covers you for the big five, heart attack, stroke, cancer, and so on.","start":621.53,"end":628.43,"sentiment":"neutral","sentiment_score":0.05568321421742439},{"text":"Fleetview covers you for about twelve to fifteen, and any plus policy with any provider covers you for all 32.","start":629.69,"end":636.605,"sentiment":"neutral","sentiment_score":0.08080451171845197},{"text":"Now the Neos policy, there was only a $5 difference between the standard and the plus.","start":638.825,"end":644.185,"sentiment":"neutral","sentiment_score":0.0717075546272099},{"text":"So I did recommend the plus because it was basically the same price.","start":644.185,"end":647.325,"sentiment":"neutral","sentiment_score":0.20498379721091345},{"text":"Yeah.","start":653.88,"end":654.36005,"sentiment":"neutral","sentiment_score":0.09271159023046494}],"sentiment":"neutral","sentiment_score":0.09592955762191731,"num_words":68,"start":621.53,"end":654.36005},{"sentences":[{"text":"Usually, if it was, like, a 30% difference, I'd be definitely having a chat to you about it first, but $5 wasn't too much.","start":654.36005,"end":661.875,"sentiment":"neutral","sentiment_score":0.07641411091511448},{"text":"Now the child trauma, 53,000 each for both the kids as well on top.","start":662.015,"end":666.835,"sentiment":"neutral","sentiment_score":0.08705673779227904},{"text":"And can you see there I know it's on your phone, but can you see it there's a little life insurance policy under where it says out of pocket policy.","start":666.97504,"end":679.69,"sentiment":"neutral","sentiment_score":0.015298508309448759},{"text":"And it's on the same page on that page 13.","start":681.23,"end":683.73,"sentiment":"neutral","sentiment_score":0.061618057265877726},{"text":"Policy one is your super.","start":684.19,"end":685.81,"sentiment":"neutral","sentiment_score":0.11834516823291778}],"sentiment":"neutral","sentiment_score":0.056862586194716666,"num_words":83,"start":654.36005,"end":685.81},{"sentences":[{"text":"Second half of the page is the out of pocket trauma side.","start":686.21497,"end":689.035,"sentiment":"neutral","sentiment_score":0.07012237266947825},{"text":"Yep.","start":691.335,"end":691.835,"sentiment":"neutral","sentiment_score":0.2052883803844452},{"text":"The very next line, I've linked up a 106,000 worth of life insurance to the trauma because it actually makes it cheaper overall, funnily enough.","start":691.895,"end":703.77,"sentiment":"neutral","sentiment_score":0.2604876136779785},{"text":"So what usually happens is if you've got life insurance and it can act as a big pool of cover, you can link your TPD, link your trauma cover to it.","start":703.77,"end":712.09,"sentiment":"neutral","sentiment_score":0.24331046833146003},{"text":"It makes it more affordable.","start":712.09,"end":713.55005,"sentiment":"positive","sentiment_score":0.38644983768463137}],"sentiment":"neutral","sentiment_score":0.2301867689333252,"num_words":74,"start":686.21497,"end":713.55005},{"sentences":[{"text":"One of the little tricks is if you link life and trauma out of pocket, it's less than just having trauma by itself.","start":714.345,"end":719.805,"sentiment":"neutral","sentiment_score":0.1899283602833748},{"text":"K.","start":722.425,"end":722.925,"sentiment":"positive","sentiment_score":0.3992645740509033},{"text":"Yeah.","start":724.745,"end":725.065,"sentiment":"neutral","sentiment_score":0.12389908730983734},{"text":"I would never do anything different.","start":725.065,"end":726.685,"sentiment":"neutral","sentiment_score":0.028988662486275036},{"text":"Now the only problem with that out of pocket policy is that about $5.51 a year instead of $4.44 to keep it all with the same provider.","start":730.0,"end":738.42004,"sentiment":"neutral","sentiment_score":-0.035417339730042}],"sentiment":"neutral","sentiment_score":0.07084792672560133,"num_words":58,"start":714.345,"end":738.42004},{"sentences":[{"text":"Yeah.","start":744.01495,"end":744.495,"sentiment":"neutral","sentiment_score":0.22927452623844147},{"text":"So if you are comfortable with it, what would happen is because we've kept it as a yearly premium because that's less expensive than a monthly premium, is that would come out once the application's done.","start":744.495,"end":756.17,"sentiment":"neutral","sentiment_score":0.17672819064723122},{"text":"And then once we cancel the ClearView, you're gonna get a pro rata refund of what you already paid around Christmas time.","start":756.39,"end":762.49,"sentiment":"neutral","sentiment_score":0.11795278926464645},{"text":"That half of it.","start":763.19,"end":764.25,"sentiment":"neutral","sentiment_score":0.12533792853355408},{"text":"Now if you want, I can make it monthly.","start":767.285,"end":769.365,"sentiment":"neutral","sentiment_score":0.20967789987723032}],"sentiment":"neutral","sentiment_score":0.16076254953319827,"num_words":72,"start":744.01495,"end":769.365},{"sentences":[{"text":"So it's, like, $49 a month to spread it through the year.","start":769.365,"end":772.565,"sentiment":"neutral","sentiment_score":0.20931633934378624},{"text":"If you're happy to do the annual premium, it saves you about 10%.","start":772.565,"end":776.505,"sentiment":"neutral","sentiment_score":0.30136892658013564},{"text":"Yep.","start":780.42004,"end":780.82,"sentiment":"neutral","sentiment_score":0.15073055028915405},{"text":"Okay.","start":780.82,"end":781.32,"sentiment":"neutral","sentiment_score":0.24424320459365845},{"text":"Cool.","start":781.7,"end":782.2,"sentiment":"neutral","sentiment_score":0.30385246872901917}],"sentiment":"neutral","sentiment_score":0.25458636933139395,"num_words":28,"start":769.365,"end":782.2},{"sentences":[{"text":"Alright.","start":782.26,"end":782.76,"sentiment":"neutral","sentiment_score":0.26614856719970703},{"text":"So I know you mentioned before that you weren't exactly keen on the the trauma covers and things like that, but that kind of gives you a spread across all four, fully protected for anything that can happen to you.","start":783.14,"end":793.925,"sentiment":"neutral","sentiment_score":0.18397732637822628},{"text":"Do you kind of like what we've come up with?","start":794.385,"end":796.145,"sentiment":"neutral","sentiment_score":-0.04850866440683603},{"text":"Do you wanna go ahead with that?","start":796.145,"end":797.34503,"sentiment":"neutral","sentiment_score":-0.04000467328088624},{"text":"Do you want me to amend anything?","start":797.34503,"end":798.72504,"sentiment":"neutral","sentiment_score":-0.12743388648544038}],"sentiment":"neutral","sentiment_score":0.09181669322917095,"num_words":65,"start":782.26,"end":798.72504},{"sentences":[{"text":"Yep.","start":814.13,"end":814.63,"sentiment":"neutral","sentiment_score":-0.03324579447507858},{"text":"Pretty much.","start":823.935,"end":824.575,"sentiment":"neutral","sentiment_score":0.10935728251934052},{"text":"Yeah.","start":824.575,"end":825.075,"sentiment":"neutral","sentiment_score":0.12190575897693634},{"text":"Cool.","start":827.775,"end":828.275,"sentiment":"positive","sentiment_score":0.5756580829620361},{"text":"The only other thing is in the appendix, I've included that research just to show you that the the original Zurich policy kinda had the highest feature score, like, policy writing under the hood, Clearview, and they also pretty much the same feature score.","start":828.575,"end":844.66,"sentiment":"neutral","sentiment_score":0.30625595999034966}],"sentiment":"neutral","sentiment_score":0.29302642555261144,"num_words":49,"start":814.13,"end":844.66},{"sentences":[{"text":"It's just that pricing difference of saving a third on the super policy.","start":844.665,"end":848.285,"sentiment":"neutral","sentiment_score":0.22489066880482894},{"text":"Cool.","start":850.58496,"end":851.08496,"sentiment":"positive","sentiment_score":0.5550248622894287},{"text":"Now this was a little bit of a mishmash because we had your original advice document.","start":851.545,"end":855.225,"sentiment":"neutral","sentiment_score":0.041429368779063225},{"text":"I've kind of amended it for the new insurances.","start":855.225,"end":857.565,"sentiment":"neutral","sentiment_score":0.11315377056598663},{"text":"So it's got all the context in there from when you came on board plus the additional discussion.","start":858.17004,"end":862.75,"sentiment":"neutral","sentiment_score":0.15231248239676157}],"sentiment":"neutral","sentiment_score":0.1386224925518036,"num_words":57,"start":844.665,"end":862.75},{"sentences":[{"text":"If there's anything out of the ordinary, just let me know or bring you the details around the date, but that should pretty much cover it.","start":862.97003,"end":869.87006,"sentiment":"neutral","sentiment_score":0.04624295542733027},{"text":"Now to sort of help out a little bit too, you don't have a pen and paper handy, do you, or notes on your so attached to that email is the Neos quote itself breaking down each of the covers for you, including the premiums for each subsection, And that's gonna give you a full breakdown so you can have a good close look at it.","start":877.225,"end":902.245,"sentiment":"neutral","sentiment_score":0.1524334701631839},{"text":"But what I want you to just write down is if you have a curious second and you wanna know what's going on with that, what that trauma pays out on, the Neos PDF, you don't have to read all 700 pages of it, but I'll just get you the actual page number with the table on there so you can have a read.","start":903.90497,"end":918.62,"sentiment":"neutral","sentiment_score":0.021418241332867183},{"text":"It's only about one or two pages.","start":918.62,"end":920.32,"sentiment":"neutral","sentiment_score":0.007734533931527819},{"text":"So I'm just gonna bring it up here.","start":922.22,"end":923.66,"sentiment":"neutral","sentiment_score":0.03592862864024937}],"sentiment":"neutral","sentiment_score":0.07587873733232113,"num_words":171,"start":862.97003,"end":923.66},{"sentences":[{"text":"Just bear with me.","start":923.66,"end":924.46,"sentiment":"neutral","sentiment_score":-0.024658311624079943},{"text":"My old laptop's having a bit of a slow down because I got 50 things open.","start":924.46,"end":928.405,"sentiment":"neutral","sentiment_score":-0.23651520069688559},{"text":"Alright.","start":932.145,"end":932.645,"sentiment":"neutral","sentiment_score":-0.04688042402267456},{"text":"So the former section for Neos, they call it critical illness.","start":932.78503,"end":938.945,"sentiment":"neutral","sentiment_score":-0.024211352691054344},{"text":"It's interchangeable.","start":938.945,"end":939.925,"sentiment":"neutral","sentiment_score":0.008889809250831604}],"sentiment":"neutral","sentiment_score":-0.12289123949320878,"num_words":34,"start":923.66,"end":939.925},{"sentences":[{"text":"It starts on page 20.","start":940.46,"end":942.24,"sentiment":"neutral","sentiment_score":0.004961604438722134},{"text":"Yep.","start":944.78,"end":945.28,"sentiment":"neutral","sentiment_score":0.04168364405632019},{"text":"Now it gives you just the basics on that front page.","start":947.58,"end":950.88,"sentiment":"neutral","sentiment_score":0.0640759833834388},{"text":"When you go down to pages twenty one, twenty two, it's got the tables of the conditions it covers.","start":951.74,"end":958.78503,"sentiment":"neutral","sentiment_score":0.024150615656062177},{"text":"Yep.","start":962.36505,"end":962.685,"sentiment":"neutral","sentiment_score":0.018296901136636737}],"sentiment":"neutral","sentiment_score":0.03374286708296151,"num_words":37,"start":940.46,"end":962.685},{"sentences":[{"text":"So heart, nervous system, organs, blood, other conditions like blindness, loss of hearing, all that kind of thing.","start":962.685,"end":969.98505,"sentiment":"neutral","sentiment_score":-0.0372993364257531},{"text":"Then you've got on 23, it's got partial claims.","start":972.66003,"end":976.2,"sentiment":"neutral","sentiment_score":-0.00605337768017004},{"text":"Yep.","start":979.46,"end":979.7,"sentiment":"neutral","sentiment_score":0.021900713443756104},{"text":"So this is the the thing where the plus kinda gives you if you have a smaller cancer or any a partial loss of hearing and things like that or sign, you can still get 25% paid out.","start":979.7,"end":991.70496,"sentiment":"neutral","sentiment_score":0.01870133335653104},{"text":"And then the child covers on '26.","start":995.82,"end":999.44,"sentiment":"neutral","sentiment_score":0.028641009171094214}],"sentiment":"neutral","sentiment_score":0.00283794507403437,"num_words":73,"start":962.685,"end":999.44},{"sentences":[{"text":"Yep.","start":1021.82,"end":1022.22003,"sentiment":"neutral","sentiment_score":0.054371826350688934},{"text":"And my last little thing is just remember, life is if you pass away, TBD is permanent disability.","start":1022.22003,"end":1028.72,"sentiment":"neutral","sentiment_score":-0.006948859948250983},{"text":"Income protection is temporary.","start":1029.18,"end":1030.72,"sentiment":"neutral","sentiment_score":-0.029762002173811197},{"text":"Trauma is you get diagnosed with something.","start":1032.06,"end":1034.24,"sentiment":"neutral","sentiment_score":-0.05346080447946276},{"text":"May not put you out.","start":1034.635,"end":1036.015,"sentiment":"neutral","sentiment_score":-0.07940651476383209}],"sentiment":"neutral","sentiment_score":-0.027457539045384952,"num_words":35,"start":1021.82,"end":1036.015},{"sentences":[{"text":"You may even go back to work the next week, but it helps you with taking a bit of time off, looking after the kids.","start":1036.235,"end":1042.895,"sentiment":"neutral","sentiment_score":0.043597638159990314},{"text":"If you wanna go private to speed things up, we'll get better level of care or kind of thing.","start":1043.355,"end":1047.9,"sentiment":"neutral","sentiment_score":0.044661064681253936},{"text":"Cool.","start":1050.7001,"end":1051.2001,"sentiment":"neutral","sentiment_score":0.2935922145843506},{"text":"Any questions for me before I let you go, sir?","start":1051.26,"end":1053.4401,"sentiment":"neutral","sentiment_score":0.0031869107857346534},{"text":"No.","start":1068.555,"end":1068.795,"sentiment":"neutral","sentiment_score":-0.059539616107940674}],"sentiment":"neutral","sentiment_score":0.039364694451381056,"num_words":56,"start":1036.235,"end":1068.795},{"sentences":[{"text":"The digital is fine for that.","start":1068.795,"end":1070.3151,"sentiment":"neutral","sentiment_score":0.08654501289129257},{"text":"So in that Odoo email I've sent you, there's a link to do it'll let you scroll through the whole document.","start":1070.3151,"end":1076.67,"sentiment":"neutral","sentiment_score":0.11606798001698085},{"text":"Little purple buttons at the top will bring you to the signature section.","start":1077.69,"end":1080.99,"sentiment":"neutral","sentiment_score":0.07086719314639385},{"text":"When you stamp your signature on it, if you actually click on the signature, you can draw it if you prefer.","start":1082.25,"end":1086.97,"sentiment":"neutral","sentiment_score":0.09896166480722882},{"text":"Otherwise, it's just gonna stamp your name on there.","start":1086.97,"end":1089.255,"sentiment":"neutral","sentiment_score":0.09303990089231068}],"sentiment":"neutral","sentiment_score":0.09705036053700107,"num_words":70,"start":1068.795,"end":1089.255},{"sentences":[{"text":"The digital is fine for us and the Neil's quote.","start":1089.335,"end":1092.3151,"sentiment":"positive","sentiment_score":0.3658023297786713},{"text":"And then the last thing that happens is we just book you in to go through the application, and you'll get the the final application out to you to sign.","start":1092.375,"end":1100.075,"sentiment":"neutral","sentiment_score":0.2862259010473887},{"text":"Yep.","start":1102.23,"end":1102.63,"sentiment":"neutral","sentiment_score":0.24997739493846893},{"text":"Do you want me to give you a bit of time to obviously read over that, but do you want me to book a tentative appointment with the implementation team or just sort of follow you up next week?","start":1102.63,"end":1111.29,"sentiment":"neutral","sentiment_score":0.12518238639220214},{"text":"Sensational.","start":1134.14,"end":1134.64,"sentiment":"neutral","sentiment_score":0.09665897488594057}],"sentiment":"neutral","sentiment_score":0.21572283664603292,"num_words":81,"start":1089.335,"end":1134.64},{"sentences":[{"text":"I think we've got we've got heaps of availability on Monday, Arvo.","start":1134.86,"end":1139.6,"sentiment":"neutral","sentiment_score":0.037431157349298395},{"text":"I'm thinking yeah.","start":1143.545,"end":1146.745,"sentiment":"neutral","sentiment_score":0.028167391816775005},{"text":"About one or 02:00 on Monday, Arvo.","start":1146.745,"end":1149.065,"sentiment":"neutral","sentiment_score":0.04556985305888312},{"text":"Well yep.","start":1149.065,"end":1152.445,"sentiment":"neutral","sentiment_score":0.06307732500135899},{"text":"Now if you've obviously gone through and you're happy and you've signed everything, Jack will pretty much just spend half an hour just doing the application with you and answering any questions you've got.","start":1152.825,"end":1162.3301,"sentiment":"positive","sentiment_score":0.3348585218191147}],"sentiment":"neutral","sentiment_score":0.21317257632597766,"num_words":58,"start":1134.86,"end":1162.3301},{"sentences":[{"text":"If not, it will just be a bit of a follow-up conversation.","start":1162.3301,"end":1164.75,"sentiment":"neutral","sentiment_score":0.040781468929102026},{"text":"Alrighty.","start":1168.505,"end":1169.005,"sentiment":"positive","sentiment_score":0.3831909894943238},{"text":"Two o'clock your time next Monday, the eighteenth.","start":1169.0651,"end":1171.725,"sentiment":"neutral","sentiment_score":0.292592853307724},{"text":"Alrighty, mate.","start":1174.3451,"end":1174.905,"sentiment":"neutral","sentiment_score":0.21331416815519333},{"text":"Anything else for me before I let you go?","start":1174.905,"end":1176.685,"sentiment":"neutral","sentiment_score":0.07310335338115692}],"sentiment":"neutral","sentiment_score":0.13430843624519184,"num_words":32,"start":1162.3301,"end":1176.685},{"sentences":[{"text":"No worries at all.","start":1179.9601,"end":1181.18,"sentiment":"neutral","sentiment_score":0.038685810752213},{"text":"No.","start":1182.3601,"end":1182.6001,"sentiment":"neutral","sentiment_score":0.032207801938056946},{"text":"That's fine.","start":1182.6001,"end":1183.24,"sentiment":"neutral","sentiment_score":0.1644836589694023},{"text":"That's fine.","start":1183.24,"end":1183.64,"sentiment":"neutral","sentiment_score":0.25789016485214233},{"text":"Once the weather's a bit better, and just bear in mind that we're doing we're trying a little bit of work from home on Thursdays, Fridays with the fuel 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Bradley Smith speaking. Oh, yeah. It's been sprinkling on and off, but I'm just looking outside now, and it looks bright and sunny. So mhmm. Yeah. Yeah. Of course. Yes. Mhmm. Tacos? That's the one. Well, it's not even really exciting. It's just just a password, really. You know? I had to think of something, and I must have been eating tacos at the time. Yeah. Yeah. Yeah. That's fine. No. I can see I can look in there. Mhmm. I didn't come through yet. Uh-huh. No. I got it now from TriNet. Mhmm. Yeah. It's typing. Uh-huh. Yep. I'm there. Yep. Yep. Mhmm. No. 318910. Yep. Okay. Yeah. Now it looked like I might may have even been talked into that, man. So, you know, I know it's good to have, but, you know, I wasn't I I didn't particularly insist that I must have that. So if you've got different advice, I'm happy to hear it. Yep. Mhmm. Yep. Okay. Okay. Cool. Mhmm. Yep. Mhmm. Okay. Yeah. Well, that's still the same. That $1.44 is the the fixed the fixed amount. That's the salary. That's right. Yeah. That's I don't think that'll that'll ever let me do that again. Uh-huh. Okay. Righto. So what do I need to check there then? Let me double check. I've got something here. Fixed costs. So my fixed costs, $4,326.74 a month, and the rest is just basically burned, rego and insurance annually. $4.05, 6, seven. Yeah. I guess that'd be that yeah. That'd that'd be covering everything, plus groceries, I suppose. Okay. Yeah. Mhmm. Yeah. I know. I understand. And I might I'm I'm looking on a phone. So Yeah. Okay. Okay. Yep. Yeah. Yeah. Well, $5 difference. You wanna get you go over the the plus for sure. Mhmm. Alright. Let me find that. Out of pocket policy. Yep. Okay. Okay. So that's a good that's a good advice then. Yeah. I'll be there for you. Okay. Cool. Yep. Well, I like things simple like that. Okay. Yeah. Yeah. No. Just just get it out of the way, man. Mhmm. No. I don't need to necessarily amend anything, but I I I wanna spend, you know, I wanna spend at least a bit of time to to fully read and and digest it. But it's it's it makes sense. Right? You know, it's typical of what what you would wanna do with anyone, and it's just a matter of volumes of of cover really now, isn't it? Yeah. No. That makes sense, man. Yeah. Cool. Mhmm. Yep. Mhmm. Oh, yeah. Oh, sorry. Yeah. Yeah. Yeah. Yeah. Hold on. Yes. Yep. Yep. Uh-huh. 20. Yep. Yes. Conditions. Yep. Cool. 93. Partial. Mhmm. Yep. Six child. Nice. Yeah. No. I think that is an important thing. Like, you know, you don't hope for the the worst, but you do prepare for it. But, yeah, cool. I'll read those pages. Yep. Yeah. Excellent. Oh, man. No. No. No. Like, this yeah. It's it's massive stuff. It's good work that you've been doing, so I just need to digest it now. Do you need a wet signature, or can I give you a a digital one? Yep. Yep. Yep. Cool. Oh, yeah. Now give me a buzz next week. Hold on. Let me check. Because I do have a couple of things on Tuesday, Wednesday, Thursday. So free most of the day, Monday. I am tied up Tuesday, Wednesday, Thursday, though. I'm doing some on stuff on-site, but I've got all day Friday apart from 10:00. Any any time in there? I'm on the other. Yep. 02:00. Yep. 02:00. Yep. Cool. Okay. Nice. Yes, please. No, ma'am. I appreciate it. I'll get up there eventually. Yeah. Yeah. Yeah. That's alright, man. But but just, like, convenient for us is our work's been doing work from home since 2019. Yeah. Full time. Well, that was that's when COVID started. We were like, as soon as it happened, they just sent us out. Was it like no. Like, April 2020. Sorry. Yeah. Go home and never come back, and we never did. Oh, god. No. They just they say we do whatever you want. Yeah. We don't wanna lose it. Right? Imagine if they told us you gotta come in now, and it's like, oh, okay. Well, the job's not that good anymore. Right? But, look, it's it worked well enough, and I'm surprised that organizations demanded a return to the office in most circumstances. You know? But I guess it's more because they are stuck in long term leases on commercial buildings. That's that's why. Yeah. It's not the work. So but anyway, man, I appreciate you doing that for me. I'll read over it in the next couple of days, and talk to you next week. I'll talk to Jack. Will do. Catch you. 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Bradley Smith speaking. Oh, yeah. It's been sprinkling on and off, but I'm just looking outside now, and it looks bright and sunny. So mhmm.\n\nYeah. Yeah. Of course. Yes. Mhmm.\n\nTacos? That's the one. Well, it's not even really exciting. It's just just a password, really. You know?\n\nI had to think of something, and I must have been eating tacos at the time. Yeah. Yeah. Yeah. That's fine.\n\nNo. I can see I can look in there. Mhmm. I didn't come through yet. Uh-huh.\n\nNo. I got it now from TriNet. Mhmm. Yeah. It's typing.\n\nUh-huh. Yep. I'm there. Yep. Yep.\n\nMhmm. No. 318910. Yep. Okay.\n\nYeah. Now it looked like I might may have even been talked into that, man. So, you know, I know it's good to have, but, you know, I wasn't I I didn't particularly insist that I must have that. So if you've got different advice, I'm happy to hear it. Yep.\n\nMhmm. Yep. Okay. Okay. Cool.\n\nMhmm. Yep. Mhmm. Okay. Yeah.\n\nWell, that's still the same. That $1.44 is the the fixed the fixed amount. That's the salary. That's right. Yeah.\n\nThat's I don't think that'll that'll ever let me do that again. Uh-huh. Okay. Righto. So what do I need to check there then?\n\nLet me double check. I've got something here. Fixed costs. So my fixed costs, $4,326.74 a month, and the rest is just basically burned, rego and insurance annually. $4.05, 6, seven.\n\nYeah. I guess that'd be that yeah. That'd that'd be covering everything, plus groceries, I suppose. Okay. Yeah.\n\nMhmm. Yeah. I know. I understand. And I might I'm I'm looking on a phone.\n\nSo Yeah. Okay. Okay. Yep. Yeah.\n\nYeah. Well, $5 difference. You wanna get you go over the the plus for sure. Mhmm. Alright.\n\nLet me find that. Out of pocket policy. Yep. Okay. Okay.\n\nSo that's a good that's a good advice then. Yeah. I'll be there for you. Okay. Cool.\n\nYep. Well, I like things simple like that. Okay. Yeah. Yeah.\n\nNo. Just just get it out of the way, man. Mhmm. No. I don't need to necessarily amend anything, but I I I wanna spend, you know, I wanna spend at least a bit of time to to fully read and and digest it.\n\nBut it's it's it makes sense. Right? You know, it's typical of what what you would wanna do with anyone, and it's just a matter of volumes of of cover really now, isn't it? Yeah. No.\n\nThat makes sense, man. Yeah. Cool. Mhmm. Yep.\n\nMhmm. Oh, yeah. Oh, sorry. Yeah. Yeah.\n\nYeah. Yeah. Hold on. Yes. Yep.\n\nYep. Uh-huh. 20. Yep. Yes.\n\nConditions. Yep. Cool. 93. Partial.\n\nMhmm. Yep. Six child. Nice. Yeah.\n\nNo. I think that is an important thing. Like, you know, you don't hope for the the worst, but you do prepare for it. But, yeah, cool. I'll read those pages.\n\nYep. Yeah. Excellent. Oh, man. No.\n\nNo. No. Like, this yeah. It's it's massive stuff. It's good work that you've been doing, so I just need to digest it now.\n\nDo you need a wet signature, or can I give you a a digital one? Yep. Yep. Yep. Cool.\n\nOh, yeah. Now give me a buzz next week. Hold on. Let me check. Because I do have a couple of things on Tuesday, Wednesday, Thursday.\n\nSo free most of the day, Monday. I am tied up Tuesday, Wednesday, Thursday, though. I'm doing some on stuff on-site, but I've got all day Friday apart from 10:00. Any any time in there? I'm on the other.\n\nYep. 02:00. Yep. 02:00. Yep.\n\nCool. Okay. Nice. Yes, please. No, ma'am.\n\nI appreciate it. I'll get up there eventually. Yeah. Yeah. Yeah.\n\nThat's alright, man. But but just, like, convenient for us is our work's been doing work from home since 2019. Yeah. Full time. Well, that was that's when COVID started.\n\nWe were like, as soon as it happened, they just sent us out. Was it like no. Like, April 2020. Sorry. Yeah.\n\nGo home and never come back, and we never did. Oh, god. No. They just they say we do whatever you want. Yeah.\n\nWe don't wanna lose it. Right? Imagine if they told us you gotta come in now, and it's like, oh, okay. Well, the job's not that good anymore. Right?\n\nBut, look, it's it worked well enough, and I'm surprised that organizations demanded a return to the office in most circumstances. You know? But I guess it's more because they are stuck in long term leases on commercial buildings. That's that's why. Yeah.\n\nIt's not the work. So but anyway, man, I appreciate you doing that for me. I'll read over it in the next couple of days, and talk to you next week. I'll talk to Jack. Will do.\n\nCatch you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.047705382108688354},{"text":"Bradley Smith speaking.","start":3.04,"end":4.02,"sentiment":"neutral","sentiment_score":0.04211686116953691},{"text":"Oh, yeah.","start":8.639999,"end":9.3,"sentiment":"neutral","sentiment_score":0.21655422449111938},{"text":"It's been sprinkling on and off, but I'm just looking outside now, and it looks bright and sunny.","start":19.205,"end":26.564999,"sentiment":"neutral","sentiment_score":0.18689202315484485},{"text":"So 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one.","start":49.075,"end":50.055,"sentiment":"positive","sentiment_score":0.3925766050815582},{"text":"Well, it's not even really exciting.","start":52.595,"end":54.114998,"sentiment":"neutral","sentiment_score":-0.16685720346868038},{"text":"It's just just a password, really.","start":54.114998,"end":57.52,"sentiment":"neutral","sentiment_score":-0.10019402205944061},{"text":"You know?","start":57.52,"end":57.92,"sentiment":"neutral","sentiment_score":-0.07082837447524071}],"sentiment":"neutral","sentiment_score":-0.028664192598727014,"num_words":18,"start":47.235,"end":57.92},{"sentences":[{"text":"I had to think of something, and I must have been eating tacos at the time.","start":57.92,"end":62.18,"sentiment":"neutral","sentiment_score":-0.10629854537546635},{"text":"Yeah.","start":70.32,"end":70.479996,"sentiment":"neutral","sentiment_score":0.032162830233573914},{"text":"Yeah.","start":70.479996,"end":70.72,"sentiment":"neutral","sentiment_score":0.03832969814538956},{"text":"Yeah.","start":70.72,"end":71.22,"sentiment":"neutral","sentiment_score":0.07213301211595535},{"text":"That's fine.","start":76.375,"end":77.195,"sentiment":"neutral","sentiment_score":0.12572543323040009}],"sentiment":"neutral","sentiment_score":-0.06222382471674964,"num_words":21,"start":57.92,"end":77.195},{"sentences":[{"text":"No.","start":86.79,"end":87.03001,"sentiment":"neutral","sentiment_score":-0.09013748168945312},{"text":"I can see I can look in there.","start":87.03001,"end":88.97,"sentiment":"neutral","sentiment_score":-0.05215261713601649},{"text":"Mhmm.","start":97.83,"end":98.205,"sentiment":"neutral","sentiment_score":0.07437054812908173},{"text":"I didn't come through yet.","start":109.725,"end":111.105,"sentiment":"neutral","sentiment_score":-0.08863991796970368},{"text":"Uh-huh.","start":120.48,"end":120.98,"sentiment":"neutral","sentiment_score":-0.011620201170444489}],"sentiment":"neutral","sentiment_score":-0.055487978854216635,"num_words":16,"start":86.79,"end":120.98},{"sentences":[{"text":"No.","start":143.59,"end":143.82999,"sentiment":"neutral","sentiment_score":-0.03597491607069969},{"text":"I got it now from TriNet.","start":143.82999,"end":145.29,"sentiment":"neutral","sentiment_score":0.011733875920375189},{"text":"Mhmm.","start":160.085,"end":160.585,"sentiment":"neutral","sentiment_score":0.02821267955005169},{"text":"Yeah.","start":164.16501,"end":164.405,"sentiment":"neutral","sentiment_score":0.06863601505756378},{"text":"It's 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it looked like I might may have even been talked into that, man.","start":282.91998,"end":287.02,"sentiment":"neutral","sentiment_score":0.047616636380553246},{"text":"So, you know, I know it's good to have, but, you know, I wasn't I I didn't particularly insist that I must have that.","start":287.08,"end":299.39502,"sentiment":"neutral","sentiment_score":0.06044086435576901},{"text":"So if you've got different advice, I'm happy to hear 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that's still the same.","start":417.105,"end":418.14502,"sentiment":"neutral","sentiment_score":0.11472831815481185},{"text":"That $1.44 is the the fixed the fixed amount.","start":418.14502,"end":424.86002,"sentiment":"neutral","sentiment_score":0.0869952460957898},{"text":"That's the salary.","start":425.8,"end":426.78,"sentiment":"neutral","sentiment_score":0.09180139501889546},{"text":"That's right.","start":437.8,"end":438.36,"sentiment":"neutral","sentiment_score":0.03692838363349438},{"text":"Yeah.","start":438.36,"end":438.6,"sentiment":"neutral","sentiment_score":-0.0632392168045044}],"sentiment":"neutral","sentiment_score":0.08213102705776691,"num_words":20,"start":417.105,"end":438.6},{"sentences":[{"text":"That's I don't think that'll that'll ever let me do that again.","start":438.6,"end":442.58502,"sentiment":"neutral","sentiment_score":-0.3078473707040151},{"text":"Uh-huh.","start":464.07,"end":464.57,"sentiment":"neutral","sentiment_score":0.028146473690867424},{"text":"Okay.","start":476.36502,"end":476.86502,"sentiment":"neutral","sentiment_score":0.032746098935604095},{"text":"Righto.","start":481.01,"end":481.51,"sentiment":"neutral","sentiment_score":0.016870243474841118},{"text":"So what do I need to check there then?","start":483.33002,"end":485.83002,"sentiment":"neutral","sentiment_score":-0.027527978229853842}],"sentiment":"neutral","sentiment_score":-0.16100655985064805,"num_words":24,"start":438.6,"end":485.83002},{"sentences":[{"text":"Let me double check.","start":495.345,"end":497.745,"sentiment":"neutral","sentiment_score":-0.06506625469774008},{"text":"I've got something here.","start":497.745,"end":499.045,"sentiment":"neutral","sentiment_score":-0.07041396386921406},{"text":"Fixed costs.","start":509.03998,"end":510.02,"sentiment":"neutral","sentiment_score":-0.1044272929430008},{"text":"So my fixed costs, $4,326.74 a month, and the rest is just basically burned, rego and insurance annually.","start":512.88,"end":526.165,"sentiment":"neutral","sentiment_score":-0.15442777342266506},{"text":"$4.05, 6, seven.","start":527.345,"end":529.285,"sentiment":"neutral","sentiment_score":-0.010945397118727366}],"sentiment":"neutral","sentiment_score":-0.11494553461670876,"num_words":31,"start":495.345,"end":529.285},{"sentences":[{"text":"Yeah.","start":530.225,"end":530.625,"sentiment":"neutral","sentiment_score":-0.003828899934887886},{"text":"I guess that'd be that yeah.","start":530.625,"end":532.545,"sentiment":"neutral","sentiment_score":-0.049461103354891144},{"text":"That'd that'd be covering everything, plus groceries, I 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sorry.","start":883.94,"end":884.34,"sentiment":"neutral","sentiment_score":-0.012565270997583866},{"text":"Yeah.","start":884.34,"end":884.58,"sentiment":"neutral","sentiment_score":0.03985034674406051},{"text":"Yeah.","start":884.58,"end":884.74,"sentiment":"neutral","sentiment_score":0.04492790251970291}],"sentiment":"neutral","sentiment_score":0.038891092741063664,"num_words":7,"start":867.545,"end":884.74},{"sentences":[{"text":"Yeah.","start":884.74,"end":885.24,"sentiment":"neutral","sentiment_score":0.061615340411663055},{"text":"Yeah.","start":885.78,"end":885.94,"sentiment":"neutral","sentiment_score":0.0684678852558136},{"text":"Hold on.","start":885.94,"end":886.68,"sentiment":"neutral","sentiment_score":0.04740000702440739},{"text":"Yes.","start":898.635,"end":899.135,"sentiment":"neutral","sentiment_score":0.22886693477630615},{"text":"Yep.","start":902.395,"end":902.895,"sentiment":"neutral","sentiment_score":-0.04929839447140694}],"sentiment":"neutral","sentiment_score":0.06740863000353177,"num_words":6,"start":884.74,"end":902.895},{"sentences":[{"text":"Yep.","start":920.695,"end":921.195,"sentiment":"neutral","sentiment_score":0.05504559725522995},{"text":"Uh-huh.","start":928.61505,"end":929.11505,"sentiment":"neutral","sentiment_score":-0.12581318616867063},{"text":"20.","start":942.74,"end":943.24,"sentiment":"neutral","sentiment_score":0.009824994951486588},{"text":"Yep.","start":945.52496,"end":946.02496,"sentiment":"neutral","sentiment_score":0.0517214834690094},{"text":"Yes.","start":956.64496,"end":957.14496,"sentiment":"neutral","sentiment_score":0.028361354023218155}],"sentiment":"neutral","sentiment_score":0.003828048706054693,"num_words":5,"start":920.695,"end":957.14496},{"sentences":[{"text":"Conditions.","start":960.40497,"end":960.90497,"sentiment":"neutral","sentiment_score":0.011991327628493307},{"text":"Yep.","start":961.26,"end":961.76,"sentiment":"neutral","sentiment_score":0.027617737650871277},{"text":"Cool.","start":967.2675,"end":967.7675,"sentiment":"neutral","sentiment_score":-0.00350786279886961},{"text":"93.","start":976.875,"end":977.61505,"sentiment":"neutral","sentiment_score":0.0006919916486367583},{"text":"Partial.","start":977.755,"end":978.255,"sentiment":"neutral","sentiment_score":0.005511980503797531}],"sentiment":"neutral","sentiment_score":0.008461034926585852,"num_words":5,"start":960.40497,"end":978.255},{"sentences":[{"text":"Mhmm.","start":988.81,"end":989.31,"sentiment":"neutral","sentiment_score":0.03270116448402405},{"text":"Yep.","start":993.93,"end":994.43,"sentiment":"neutral","sentiment_score":0.04250077530741691},{"text":"Six child.","start":999.85,"end":1001.575,"sentiment":"neutral","sentiment_score":0.029668882489204407},{"text":"Nice.","start":1002.755,"end":1003.255,"sentiment":"neutral","sentiment_score":0.2239856719970703},{"text":"Yeah.","start":1004.515,"end":1004.755,"sentiment":"neutral","sentiment_score":0.0977163463830948}],"sentiment":"neutral","sentiment_score":0.07604028719166915,"num_words":6,"start":988.81,"end":1004.755},{"sentences":[{"text":"No.","start":1004.755,"end":1004.995,"sentiment":"neutral","sentiment_score":0.02452206239104271},{"text":"I think that is an important thing.","start":1004.995,"end":1007.175,"sentiment":"neutral","sentiment_score":0.008536042379481452},{"text":"Like, you know, you don't hope for the the worst, but you do prepare for it.","start":1007.235,"end":1013.47504,"sentiment":"neutral","sentiment_score":-0.04759337240830064},{"text":"But, yeah, cool.","start":1013.47504,"end":1018.89996,"sentiment":"neutral","sentiment_score":0.15721765657265982},{"text":"I'll read those pages.","start":1018.89996,"end":1020.2,"sentiment":"neutral","sentiment_score":0.12205752544105053}],"sentiment":"neutral","sentiment_score":0.009118176516025298,"num_words":31,"start":1004.755,"end":1020.2},{"sentences":[{"text":"Yep.","start":1031.54,"end":1031.835,"sentiment":"neutral","sentiment_score":-0.0029674149118363857},{"text":"Yeah.","start":1048.57,"end":1048.8899,"sentiment":"neutral","sentiment_score":0.2688862681388855},{"text":"Excellent.","start":1048.8899,"end":1049.3899,"sentiment":"positive","sentiment_score":0.6128272414207458},{"text":"Oh, man.","start":1054.4099,"end":1055.0499,"sentiment":"neutral","sentiment_score":-0.04559970647096634},{"text":"No.","start":1055.0499,"end":1055.21,"sentiment":"neutral","sentiment_score":-0.20519685745239255}],"sentiment":"neutral","sentiment_score":0.09705830404224496,"num_words":6,"start":1031.54,"end":1055.21},{"sentences":[{"text":"No.","start":1055.21,"end":1055.37,"sentiment":"neutral","sentiment_score":-0.27845948934555054},{"text":"No.","start":1055.37,"end":1055.61,"sentiment":"neutral","sentiment_score":-0.29880648851394653},{"text":"Like, this yeah.","start":1055.61,"end":1056.4099,"sentiment":"neutral","sentiment_score":-0.21881674230098724},{"text":"It's it's massive stuff.","start":1056.4099,"end":1057.825,"sentiment":"neutral","sentiment_score":0.1161444503813982},{"text":"It's good work that you've been doing, so I just need to digest it now.","start":1057.825,"end":1062.3049,"sentiment":"positive","sentiment_score":0.5269345899422964}],"sentiment":"neutral","sentiment_score":0.2972866852457325,"num_words":24,"start":1055.21,"end":1062.3049},{"sentences":[{"text":"Do you need a wet signature, or can I give you a a digital one?","start":1062.3049,"end":1067.445,"sentiment":"neutral","sentiment_score":0.003064562380313873},{"text":"Yep.","start":1081.25,"end":1081.41,"sentiment":"neutral","sentiment_score":0.10694777220487596},{"text":"Yep.","start":1081.41,"end":1081.91,"sentiment":"neutral","sentiment_score":0.10459288954734802},{"text":"Yep.","start":1096.515,"end":1097.015,"sentiment":"neutral","sentiment_score":0.2893446385860443},{"text":"Cool.","start":1100.76,"end":1101.26,"sentiment":"positive","sentiment_score":0.3696917593479157}],"sentiment":"neutral","sentiment_score":0.04823923659952063,"num_words":19,"start":1062.3049,"end":1101.26},{"sentences":[{"text":"Oh, yeah.","start":1110.3251,"end":1111.685,"sentiment":"neutral","sentiment_score":0.044511254876852036},{"text":"Now give me a buzz next week.","start":1111.685,"end":1112.9651,"sentiment":"neutral","sentiment_score":0.06134410521813801},{"text":"Hold on.","start":1112.9651,"end":1113.365,"sentiment":"neutral","sentiment_score":0.020112698897719383},{"text":"Let me check.","start":1113.365,"end":1114.185,"sentiment":"neutral","sentiment_score":0.02919168584048748},{"text":"Because I do have a couple of things on Tuesday, Wednesday, Thursday.","start":1114.485,"end":1117.4651,"sentiment":"neutral","sentiment_score":0.06238825572654605}],"sentiment":"neutral","sentiment_score":0.05364964501215862,"num_words":26,"start":1110.3251,"end":1117.4651},{"sentences":[{"text":"So free most of the day, Monday.","start":1118.3251,"end":1122.5851,"sentiment":"neutral","sentiment_score":0.08481919233288084},{"text":"I am tied up Tuesday, Wednesday, Thursday, though.","start":1123.2051,"end":1127.33,"sentiment":"neutral","sentiment_score":0.051675780676305294},{"text":"I'm doing some on stuff on-site, but I've got all day Friday apart from 10:00.","start":1127.33,"end":1132.63,"sentiment":"neutral","sentiment_score":0.057675141096115115},{"text":"Any any time in there?","start":1134.29,"end":1136.23,"sentiment":"neutral","sentiment_score":0.02130150981247425},{"text":"I'm on the other.","start":1143.4451,"end":1144.165,"sentiment":"neutral","sentiment_score":0.012353689409792423}],"sentiment":"neutral","sentiment_score":0.052004872176509634,"num_words":39,"start":1118.3251,"end":1144.165},{"sentences":[{"text":"Yep.","start":1144.165,"end":1144.665,"sentiment":"neutral","sentiment_score":0.05004383623600006},{"text":"02:00.","start":1149.365,"end":1150.005,"sentiment":"neutral","sentiment_score":0.03977629914879799},{"text":"Yep.","start":1150.005,"end":1150.3251,"sentiment":"neutral","sentiment_score":0.0464421771466732},{"text":"02:00.","start":1150.3251,"end":1150.985,"sentiment":"neutral","sentiment_score":0.03977232798933983},{"text":"Yep.","start":1162.69,"end":1163.19,"sentiment":"neutral","sentiment_score":-0.008533822372555733}],"sentiment":"neutral","sentiment_score":0.03350016362965107,"num_words":5,"start":1144.165,"end":1163.19},{"sentences":[{"text":"Cool.","start":1165.57,"end":1165.8099,"sentiment":"positive","sentiment_score":0.3947836756706238},{"text":"Okay.","start":1165.8099,"end":1166.3099,"sentiment":"neutral","sentiment_score":0.20920254290103912},{"text":"Nice.","start":1169.145,"end":1169.645,"sentiment":"positive","sentiment_score":0.6078639030456543},{"text":"Yes, please.","start":1172.185,"end":1173.005,"sentiment":"neutral","sentiment_score":0.20391854643821716},{"text":"No, ma'am.","start":1177.4651,"end":1177.9451,"sentiment":"neutral","sentiment_score":0.12684402614831924}],"sentiment":"neutral","sentiment_score":0.2676250381129129,"num_words":7,"start":1165.57,"end":1177.9451},{"sentences":[{"text":"I appreciate it.","start":1177.9451,"end":1179.0851,"sentiment":"positive","sentiment_score":0.44687795639038086},{"text":"I'll get up there eventually.","start":1179.545,"end":1180.765,"sentiment":"neutral","sentiment_score":0.10622075274586677},{"text":"Yeah.","start":1191.57,"end":1191.8099,"sentiment":"neutral","sentiment_score":0.08285781741142273},{"text":"Yeah.","start":1191.8099,"end":1191.97,"sentiment":"neutral","sentiment_score":0.08719716966152191},{"text":"Yeah.","start":1191.97,"end":1192.47,"sentiment":"neutral","sentiment_score":0.11052829027175903}],"sentiment":"neutral","sentiment_score":0.19566553729501637,"num_words":11,"start":1177.9451,"end":1192.47},{"sentences":[{"text":"That's alright, man.","start":1204.065,"end":1204.945,"sentiment":"neutral","sentiment_score":0.11848366508881251},{"text":"But but just, like, convenient for us is our work's been doing work from home since 2019.","start":1204.945,"end":1212.06,"sentiment":"neutral","sentiment_score":0.10844540289219688},{"text":"Yeah.","start":1215.0801,"end":1215.4801,"sentiment":"neutral","sentiment_score":-0.07572228461503983},{"text":"Full time.","start":1215.4801,"end":1218.1201,"sentiment":"neutral","sentiment_score":-0.14867722988128662},{"text":"Well, that was that's when COVID started.","start":1218.1201,"end":1220.1201,"sentiment":"neutral","sentiment_score":-0.10509973445108958}],"sentiment":"neutral","sentiment_score":0.036341598629951476,"num_words":30,"start":1204.065,"end":1220.1201},{"sentences":[{"text":"We were like, as soon as it happened, they just sent us out.","start":1220.1201,"end":1222.345,"sentiment":"neutral","sentiment_score":-0.12375520227047113},{"text":"Was it like no.","start":1222.345,"end":1223.065,"sentiment":"neutral","sentiment_score":-0.1138144601136446},{"text":"Like, April 2020.","start":1223.065,"end":1224.585,"sentiment":"neutral","sentiment_score":-0.0977025255560875},{"text":"Sorry.","start":1224.585,"end":1225.085,"sentiment":"neutral","sentiment_score":-0.10345971584320068},{"text":"Yeah.","start":1229.625,"end":1229.865,"sentiment":"neutral","sentiment_score":-0.1286663115024567}],"sentiment":"neutral","sentiment_score":-0.11769586699930104,"num_words":22,"start":1220.1201,"end":1229.865},{"sentences":[{"text":"Go home and never come back, and we never did.","start":1229.865,"end":1232.125,"sentiment":"neutral","sentiment_score":-0.2225773200392723},{"text":"Oh, god.","start":1236.16,"end":1236.5599,"sentiment":"neutral","sentiment_score":-0.12060552835464478},{"text":"No.","start":1236.5599,"end":1237.0599,"sentiment":"neutral","sentiment_score":-0.15462931990623474},{"text":"They just they say we do whatever you want.","start":1237.36,"end":1239.46,"sentiment":"neutral","sentiment_score":-0.08819877439075047},{"text":"Yeah.","start":1244.4,"end":1244.5599,"sentiment":"neutral","sentiment_score":-0.029272299259901047}],"sentiment":"neutral","sentiment_score":-0.14976847155586534,"num_words":23,"start":1229.865,"end":1244.5599},{"sentences":[{"text":"We don't wanna lose it.","start":1244.5599,"end":1245.52,"sentiment":"neutral","sentiment_score":-0.22169672846794128},{"text":"Right?","start":1245.52,"end":1245.84,"sentiment":"neutral","sentiment_score":-0.10861842334270476},{"text":"Imagine if they told us you gotta come in now, and it's like, oh, okay.","start":1245.84,"end":1248.4,"sentiment":"neutral","sentiment_score":-0.23139150242010753},{"text":"Well, the job's not that good anymore.","start":1248.4,"end":1249.845,"sentiment":"neutral","sentiment_score":-0.3029417885201318},{"text":"Right?","start":1249.845,"end":1250.345,"sentiment":"neutral","sentiment_score":-0.12895983457565308}],"sentiment":"neutral","sentiment_score":-0.2392250674551931,"num_words":29,"start":1244.5599,"end":1250.345},{"sentences":[{"text":"But, look, it's it worked well enough, and I'm surprised that organizations demanded a return to the office in most circumstances.","start":1254.005,"end":1262.505,"sentiment":"neutral","sentiment_score":-0.2342549773554007},{"text":"You know?","start":1262.8049,"end":1263.465,"sentiment":"neutral","sentiment_score":-0.18627101927995682},{"text":"But I guess it's more because they are stuck in long term leases on commercial buildings.","start":1264.0901,"end":1268.67,"sentiment":"neutral","sentiment_score":-0.2635177159681916},{"text":"That's that's why.","start":1269.6101,"end":1270.8301,"sentiment":"neutral","sentiment_score":-0.04146879787246386},{"text":"Yeah.","start":1272.3301,"end":1272.65,"sentiment":"neutral","sentiment_score":-0.0522223487496376}],"sentiment":"neutral","sentiment_score":-0.22522811071817264,"num_words":43,"start":1254.005,"end":1272.65},{"sentences":[{"text":"It's not the work.","start":1272.65,"end":1273.7101,"sentiment":"neutral","sentiment_score":-0.14859504252672195},{"text":"So but anyway, man, I appreciate you doing that for me.","start":1274.5701,"end":1277.77,"sentiment":"positive","sentiment_score":0.5032807283780791},{"text":"I'll read over it in the next couple of days, and talk to you next week.","start":1277.77,"end":1280.915,"sentiment":"positive","sentiment_score":0.37013077922165394},{"text":"I'll talk to Jack.","start":1280.915,"end":1281.895,"sentiment":"neutral","sentiment_score":0.2292483188211918},{"text":"Will do.","start":1287.075,"end":1287.715,"sentiment":"positive","sentiment_score":0.45085062086582184}],"sentiment":"positive","sentiment_score":0.3427701304490502,"num_words":37,"start":1272.65,"end":1287.715},{"sentences":[{"text":"Catch you.","start":1287.715,"end":1288.455,"sentiment":"positive","sentiment_score":0.5313403904438019},{"text":"Bye.","start":1290.675,"end":1291.175,"sentiment":"neutral","sentiment_score":-0.12021777033805849}],"sentiment":"neutral","sentiment_score":0.31415433684984845,"num_words":3,"start":1287.715,"end":1291.175}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Bradley Smith speaking.\n\nChannel 0: Good day, Bradley. It's Tommy here from Oakview, mate. How are you going today?\n\nChannel 1: Oh, yeah.\n\nChannel 0: I'm living the dream. It's absolutely pouring down over here. It's cold, wet, miserable. Yeah?\n\nChannel 1: It's been sprinkling on and off, but I'm just looking outside now, and it looks bright and sunny. So\n\nChannel 0: Great to hear. Great to hear. Mate,\n\nChannel 1: mhmm.\n\nChannel 0: have you got a bit of time for me now?\n\nChannel 1: Yeah. Yeah. Of course. Yes.\n\nChannel 0: Fantastic. So I'm gonna pop through this amended advice document through to you.\n\nChannel 1: Mhmm.\n\nChannel 0: Just before I do that, quick little security check. Do you remember your Oktoob password?\n\nChannel 1: Tacos?\n\nChannel 0: That's the\n\nChannel 1: That's\n\nChannel 0: one\n\nChannel 1: the\n\nChannel 0: favorite\n\nChannel 1: one.\n\nChannel 0: FoodSensation.\n\nChannel 1: Well, it's not even really exciting. It's just just a password, really. You know? I had to think of something, and I must have been eating tacos at the time.\n\nChannel 0: Fair enough, mate. Fair enough. Whatever works that you can remember, that's fine. Otherwise, three point ID check we can do as well.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Cool. And you're okay for the call to be recorded for the old training quality purposes?\n\nChannel 1: That's fine.\n\nChannel 0: Fantastic. So I'm popping these documents through to your Outlook email. Will you better have a look onto them with me today, or do you want me to just kind of walk you through them and give you a bit of time to read over?\n\nChannel 1: No. I can see I can look in there.\n\nChannel 0: Awesome. So that should come through under signature request from your updated statement of advice. And once you've\n\nChannel 1: Mhmm.\n\nChannel 0: got that open, there should be a whole bunch of, like, PDF attachments at the bottom and then obviously the digital authorization when you're comfortable.\n\nChannel 1: I didn't come through yet.\n\nChannel 0: K. And and double check mister b Smith sorry. Mister bmSmith@Outlook.com.\n\nChannel 1: Uh-huh.\n\nChannel 0: Alright. Let me just see if that's popping through. And you've received the emails from us before, haven't you, when you first came on board? I think you came through. Okay?\n\nPerfect. I'll give that another minute to come through. You may go through your spam box or your main inbox, but I'll pop it through from my\n\nChannel 1: No.\n\nChannel 0: email\n\nChannel 1: I\n\nChannel 0: address\n\nChannel 1: got it now\n\nChannel 0: as well.\n\nChannel 1: from TriNet.\n\nChannel 0: Just there we go. Mate, down the bottom, there should be about six attachments, some of them product documents and appendix research, but really just looking for that statement of advice document with the old beachfront Gold Coast picture on it.\n\nChannel 1: Mhmm.\n\nChannel 0: And just let me know when you've got that one open.\n\nChannel 1: Yeah. It's typing.\n\nChannel 0: Cool. So the main thing with this one was just demanding the insurance strategy. I came up with a few ideas there, came up with a pretty good outcome, but there was a couple little things, bit of a trade off I wanted to discuss with you as well. So if\n\nChannel 1: Uh-huh.\n\nChannel 0: you wanna pop down about three or four pages, just checking the scope of advice there, if you\n\nChannel 1: Yep.\n\nChannel 0: can\n\nChannel 1: I'm\n\nChannel 0: see\n\nChannel 1: there.\n\nChannel 0: that heading.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So that's just talking about that we've already kind of implemented the super advice, and we're just\n\nChannel 1: Yep.\n\nChannel 0: looking at the alternatives for the insurances. We have included, obviously, like, updated projections to show the impact of the premiums on your super. So it's in there as a limited scope.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. Now if you go down a little bit further, we've got your details entered in there, which that's all from when you came on board. I'm assuming there hasn't been any two major changes the last few months.\n\nChannel 1: No.\n\nChannel 0: Sensational. So if you pop down a little bit further, gonna pull up that section with you. We've got assets and liabilities, current. So far, obviously, we're not doing anything with the military trip at the moment. And if you just go to page 10, it's got your current ClearView policy on there.\n\nChannel 1: 318910. Yep.\n\nChannel 0: Yep. So your anniversary that you had with Clearview, it always indexes the cover up just a tiny bit. So you had a mil 40 and now it's a mil 65 of life and security insurance, and the income protection bumped up a tiny bit as well. But the the premiums jumped up to 3,900 out of super.\n\nChannel 1: Okay.\n\nChannel 0: So that's the main thing. The next page, you've got your trauma and child cover, which is $444 a year, 106 grams a year, 53 each for the kids, if that rings them up.\n\nChannel 1: Yeah. Now it looked like I might may have even been talked into that, man. So, you know, I know it's good to have, but, you know, I wasn't I I didn't particularly insist that I must have that. So if you've got different advice, I'm happy to hear it.\n\nChannel 0: Yeah. Well, I've got it kind of split up a little bit, and I'm happy to take your preferences on this, but I've kind of given you the best best possible that I could. And then from there, we can kind of work back if we need to. So\n\nChannel 1: Yep.\n\nChannel 0: if you look at that table below it, it's just got an updated fee comparison. In that blue table just below that former policy,\n\nChannel 1: Mhmm.\n\nChannel 0: two thirds of the way through, it's got insurance premiums, and it will show you the three three, the two one, the one one\n\nChannel 1: Yep.\n\nChannel 0: because it's all after the 15% rebate.\n\nChannel 1: Okay.\n\nChannel 0: So the provider I found as an alternative to that Zurich that we attempted before was Neos, and they're still about a third off the price.\n\nChannel 1: Okay. Cool.\n\nChannel 0: K? Go down a little bit further. You got the projected balance, which it takes into account the growth on those saved premiums over five and ten years. It should save you about 6 to 20,000. And then if you go down a bit further, we've got the policies\n\nChannel 1: Mhmm.\n\nChannel 0: themselves. So it should say strategy recommendations for Nios, policy one, and out of pocket policies. I've kind of given a bit of a breakdown for you.\n\nChannel 1: Yep.\n\nChannel 0: So the life and CPD, a mil 65, that just matches what you currently got. The income protection, that's based on that base income that we were talking about with a bit of super contributions over the top to get you up to the 8,200.\n\nChannel 1: Mhmm.\n\nChannel 0: So 7,000 a month comes out to you, 1,200 a month goes out to your super fund. Now if your income has gone up as a baseline, we can flip that around and get a little bit more coming out to you than going into the super if you have a preference for that, but this is just based on that old income that we had.\n\nChannel 1: Okay. Yeah. Well, that's still the same. That $1.44 is the the fixed the fixed amount. That's the salary.\n\nChannel 0: Yep. So that's still fixed. And then you mentioned, I think, you did a lot of overtime the last twelve months, and it's just really pushed things up for this financial year.\n\nChannel 1: That's right. Yeah. That's I don't think that'll that'll ever let me do that again.\n\nChannel 0: No. No. That's fair enough. So I'll just cover on the base. That's probably okay.\n\nOne thing that I'll kind of just flip around with you, if it's okay, is if you're on one twenty and you got 70% of that, that's with 7,000 a month. So I've added the super contributions on top to get it\n\nChannel 1: Uh-huh.\n\nChannel 0: to 8,200, but we can bump it up however far you feel is appropriate. And especially, like, given whatever you actually need to live on as an income replacement.\n\nChannel 1: Okay. Righto. So what do I need to check there then?\n\nChannel 0: So the check at the moment is 7,000 a month coming out from you okay to live off if you're out of work for six months?\n\nChannel 1: Let me double check. I've got something here. Fixed costs. So my fixed costs, $4,326.74 a month, and the rest is just basically burned, rego and insurance annually. $4.05, 6,\n\nChannel 0: Mhmm.\n\nChannel 1: seven. Yeah. I guess that'd be that yeah. That'd that'd be covering everything, plus groceries, I suppose.\n\nChannel 0: Yep. Now bear in mind, it's all based on your, like, disclosed income for the previous twelve months. So whatever you insure for, you go to claim, you give them your twelve month income, and they calculate it based on\n\nChannel 1: Okay. Yeah.\n\nChannel 0: K. So you've got wiggle room to go up if you need to, but this is the safest amount. K. Any questions on that so far? That sound alright?\n\nChannel 1: Mhmm. Yeah. I know. I understand. And I might I'm I'm looking on a phone.\n\nSo\n\nChannel 0: I believe that. I'll definitely give you some time on that. The second thing is just on the out of pocket stuff that we're just talking about, the trauma, let me break down what I've recommended and get your thoughts on.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So the 106,000 for you, that's heart attack, stroke, cancer. Now leave you policy you've got is standard trauma. So it does all the big stuff, heart attack, stroke, and cancer. Now you can get plus cover, which covers you for 30 or 40 additional illnesses. And\n\nChannel 1: Okay.\n\nChannel 0: that's anything from Crohn's disease, polycystic kidney disease, organ failure, partial smaller cancers, partial payments. If you lose an eye, hand, or foot, the list goes on. There's a huge table about it. But, basically, standard trauma policy covers you for the big five, heart attack, stroke, cancer, and so on. Fleetview covers you for about twelve to fifteen, and any plus policy with any provider covers you for all 32.\n\nChannel 1: Yep.\n\nChannel 0: Now the Neos policy, there was only a $5 difference between the standard and the plus. So I did recommend the plus because it was basically the same price.\n\nChannel 1: Yeah. Yeah. Well, $5 difference. You wanna get you go over the the plus for sure.\n\nChannel 0: Yeah. Usually, if it was, like, a 30% difference, I'd be definitely having a chat to you about it first, but\n\nChannel 1: Mhmm.\n\nChannel 0: $5 wasn't too much. Now the child trauma, 53,000 each for both the kids as well on top. And can you see there I know it's on your phone, but can you see it there's a little life insurance policy under where it says out\n\nChannel 1: Alright. Let me\n\nChannel 0: of\n\nChannel 1: find that.\n\nChannel 0: pocket policy. And it's on the same page on that page 13. Policy one is your super. Second half of the page is the out of pocket trauma side.\n\nChannel 1: Out of pocket policy. Yep.\n\nChannel 0: Yep. The very next line, I've linked up a 106,000 worth of life insurance to the trauma because it actually makes it cheaper overall, funnily\n\nChannel 1: Okay.\n\nChannel 0: enough. So what usually happens is if you've got life insurance and it can act as a big pool of cover, you can link your TPD, link your trauma cover to it. It makes it more affordable. One of the little tricks is if you link life and trauma out of pocket, it's less than just having trauma by itself.\n\nChannel 1: Okay. So that's a good that's\n\nChannel 0: K.\n\nChannel 1: a good advice then.\n\nChannel 0: Yeah. I would\n\nChannel 1: Yeah.\n\nChannel 0: never\n\nChannel 1: I'll\n\nChannel 0: do\n\nChannel 1: be there\n\nChannel 0: anything\n\nChannel 1: for\n\nChannel 0: different.\n\nChannel 1: you. Okay. Cool.\n\nChannel 0: Now the only problem with that out of pocket policy is that about $5.51 a year instead of $4.44 to keep it all with the same provider.\n\nChannel 1: Yep. Well, I like things simple like that.\n\nChannel 0: Yeah. So if you are comfortable with it, what would happen is because we've kept it as a yearly premium because that's less expensive than a monthly premium, is that would come out once the application's done. And then once we cancel the ClearView, you're gonna get a pro rata refund of what you already paid around Christmas time.\n\nChannel 1: Okay.\n\nChannel 0: That half\n\nChannel 1: Yeah.\n\nChannel 0: of it. Now if you want, I can make it monthly. So it's, like, $49 a month to spread it through the year. If you're happy to do the annual premium, it saves you about 10%.\n\nChannel 1: Yeah. No. Just just get it out of the way, man.\n\nChannel 0: Yep. Okay. Cool. Alright. So I know you mentioned before that you weren't exactly keen on the the trauma covers and things like that, but that kind of gives you a spread across all four, fully protected for anything that can happen to you.\n\nChannel 1: Mhmm.\n\nChannel 0: Do you kind of like what we've come up with? Do you wanna go ahead with that? Do you want me to amend anything?\n\nChannel 1: No. I don't need to necessarily amend anything, but I I I wanna spend, you know, I wanna spend at least a bit of time to to fully read and and digest it. But it's it's it makes sense. Right? You know, it's typical\n\nChannel 0: Yep.\n\nChannel 1: of what what you would wanna do with anyone, and it's just a matter of volumes of of cover really now, isn't it?\n\nChannel 0: Pretty much.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. That makes sense, man.\n\nChannel 0: Cool. The only other thing is in the appendix, I've included that research just to show you that the the original Zurich policy kinda had the highest feature score, like, policy writing under the hood, Clearview, and they also pretty much the same feature score. It's just that pricing difference of saving a third on the super policy.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Cool. Now this was a little bit of a mishmash because we had your original advice document. I've kind of amended it for the new insurances. So it's got all the context in there from when you came on board plus the additional discussion.\n\nChannel 1: Mhmm.\n\nChannel 0: If there's anything\n\nChannel 1: Yep.\n\nChannel 0: out of the ordinary, just let me know or bring you the details around the date, but\n\nChannel 1: Mhmm.\n\nChannel 0: that should pretty much cover it.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Now to sort of help out a little bit too, you don't have a pen and paper handy, do you, or\n\nChannel 1: Oh, sorry.\n\nChannel 0: notes\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: on your\n\nChannel 1: Yeah. Yeah. Hold on.\n\nChannel 0: so attached to that email is the Neos quote itself breaking down each of the covers for you, including the premiums for each subsection, And that's\n\nChannel 1: Yes.\n\nChannel 0: gonna give you a full breakdown so you can have a good close look at it.\n\nChannel 1: Yep.\n\nChannel 0: But what I want you to just write down is if you have a curious second and you wanna know what's going on with that, what that trauma pays out on, the Neos PDF, you don't have to read all 700 pages of it, but I'll just get you the actual page number with the table on there so you can have a read. It's only about one or two pages.\n\nChannel 1: Yep.\n\nChannel 0: So I'm just gonna bring it up here. Just bear with me. My old laptop's having a bit of a slow down because I got 50 things open.\n\nChannel 1: Uh-huh.\n\nChannel 0: Alright. So the former section for Neos, they call it critical illness. It's interchangeable. It starts on page 20.\n\nChannel 1: 20.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now it gives you just the basics on that front page. When you go down to pages twenty one, twenty two, it's got\n\nChannel 1: Yes.\n\nChannel 0: the tables of the conditions it covers.\n\nChannel 1: Conditions. Yep.\n\nChannel 0: Yep. So heart, nervous system, organs, blood, other conditions\n\nChannel 1: Cool.\n\nChannel 0: like blindness, loss of hearing, all that kind of thing. Then you've got on 23, it's got partial claims.\n\nChannel 1: 93. Partial.\n\nChannel 0: Yep. So this is the the thing where the plus kinda gives you if you have a smaller cancer or any a partial loss of hearing and things like that or sign, you can still\n\nChannel 1: Mhmm.\n\nChannel 0: get 25% paid out.\n\nChannel 1: Yep.\n\nChannel 0: And then the child covers on '26.\n\nChannel 1: Six child. Nice. Yeah. No. I think that is an important thing.\n\nLike, you know, you don't hope for the the worst, but you do prepare for it. But, yeah, cool. I'll read those pages.\n\nChannel 0: Yep. And my last little thing is just remember, life is if you pass away, TBD is permanent disability. Income protection is temporary.\n\nChannel 1: Yep.\n\nChannel 0: Trauma is you get diagnosed with something. May not put you out. You may even go back to work the next week, but it helps you with taking a bit of time off, looking after the kids. If you wanna go private to speed things up, we'll get better level of care or kind of thing.\n\nChannel 1: Yeah. Excellent.\n\nChannel 0: Cool. Any questions for me before I let you go, sir?\n\nChannel 1: Oh, man. No. No. No. Like, this yeah.\n\nIt's it's massive stuff. It's good work that you've been doing, so I just need to digest it now. Do you need a wet signature, or can I give you a a digital one?\n\nChannel 0: No. The digital is fine for that. So in that Odoo email I've sent you, there's a link to do it'll let you scroll through the whole document. Little purple buttons at the top will bring you to the signature section.\n\nChannel 1: Yep. Yep.\n\nChannel 0: When you stamp your signature on it, if you actually click on the signature, you can draw it if you prefer. Otherwise, it's just gonna stamp your name on there. The digital is fine for us and the Neil's quote. And then the last thing that happens is we just book you in to go through the application, and you'll\n\nChannel 1: Yep.\n\nChannel 0: get the the final application out to you to sign.\n\nChannel 1: Cool.\n\nChannel 0: Yep. Do you want me to give you a bit of time to obviously read over that, but do you want me to book a tentative appointment with the implementation team or just sort of follow you\n\nChannel 1: Oh,\n\nChannel 0: up next week?\n\nChannel 1: yeah. Now give me a buzz next week. Hold on. Let me check. Because I do have a couple of things on Tuesday, Wednesday, Thursday.\n\nSo free most of the day, Monday. I am tied up Tuesday, Wednesday, Thursday, though. I'm doing some on stuff on-site, but I've got all day Friday apart from 10:00.\n\nChannel 0: Sensational.\n\nChannel 1: Any any\n\nChannel 0: I think we've\n\nChannel 1: time in there?\n\nChannel 0: got we've got heaps of availability on Monday, Arvo.\n\nChannel 1: I'm\n\nChannel 0: I'm\n\nChannel 1: on the\n\nChannel 0: thinking\n\nChannel 1: other. Yep.\n\nChannel 0: yeah. About one or 02:00 on Monday, Arvo. Well\n\nChannel 1: 02:00. Yep. 02:00.\n\nChannel 0: yep. Now if you've obviously gone through and you're happy and you've signed everything, Jack will pretty much just spend half an hour just doing the application with you and answering any questions you've got. If not,\n\nChannel 1: Yep.\n\nChannel 0: it will just be a bit of a follow-up conversation.\n\nChannel 1: Cool. Okay.\n\nChannel 0: Alrighty. Two\n\nChannel 1: Nice.\n\nChannel 0: o'clock your time next Monday, the eighteenth.\n\nChannel 1: Yes, please.\n\nChannel 0: Alrighty, mate. Anything else for me before I let you go?\n\nChannel 1: No, ma'am. I appreciate it. I'll get up\n\nChannel 0: No\n\nChannel 1: there\n\nChannel 0: worries\n\nChannel 1: eventually.\n\nChannel 0: at all. No. That's fine. That's fine. Once the weather's a bit better, and just bear in mind that we're doing we're trying a little bit of work from home on Thursdays, Fridays with the fuel prices.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: A little bit of a bonus from old Chevy and the directors there. But Monday, Tuesday, Wednesday, the team obviously will get you a coffee and I'm sorry I missed you last time too.\n\nChannel 1: That's alright, man. But but just, like, convenient for us is our work's been doing work from home since 2019.\n\nChannel 0: Oh, wow.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: Full\n\nChannel 0: one of pre COVID, that's unheard of.\n\nChannel 1: time. Well, that was that's when COVID started. We were like, as soon as it happened, they just sent us out. Was it like\n\nChannel 0: It\n\nChannel 1: no.\n\nChannel 0: jumped\n\nChannel 1: Like,\n\nChannel 0: onto\n\nChannel 1: April\n\nChannel 0: it.\n\nChannel 1: 2020. Sorry.\n\nChannel 0: Yeah. Right. They just went straight onto it.\n\nChannel 1: Yeah. Go home and never come back, and we never did.\n\nChannel 0: They're not trying to get you back now, are they?\n\nChannel 1: Oh, god. No. They just they say we do whatever you want.\n\nChannel 0: Yep. Everyone's working hard enough. They're they're making enough. It's all good.\n\nChannel 1: Yeah. We don't wanna lose it. Right? Imagine if they told us you gotta come in now, and it's like, oh, okay. Well, the job's not that good anymore.\n\nRight?\n\nChannel 0: Yeah. It'd be an uprising.\n\nChannel 1: But, look, it's it worked well enough, and I'm surprised that organizations demanded a return to the office in most circumstances. You know? But I guess it's more because they are stuck in long term leases on commercial buildings.\n\nChannel 0: That's\n\nChannel 1: That's\n\nChannel 0: what I was gonna say.\n\nChannel 1: that's why.\n\nChannel 0: It's the property issue.\n\nChannel 1: Yeah. It's not the work. So but anyway, man,\n\nChannel 0: Yeah.\n\nChannel 1: I appreciate you doing that for me. I'll read over it in the next couple of days, and talk to you next week. I'll talk to Jack.\n\nChannel 0: No worries at all. Yep. Alright. 02:00 next week. Anything you need, just give me a buzz.\n\nChannel 1: Will do. Catch you.\n\nChannel 0: Thanks for having me.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.047705382108688354},{"text":"Bradley Smith speaking.","start":3.04,"end":4.02,"sentiment":"neutral","sentiment_score":0.04211686116953691}],"sentiment":"neutral","sentiment_score":0.04351399140432477,"channel":1,"num_words":4,"start":2.56,"end":4.02},{"sentences":[{"text":"Good day, Bradley.","start":4.7999997,"end":5.52,"sentiment":"positive","sentiment_score":0.5316302180290222},{"text":"It's Tommy here from Oakview, mate.","start":5.52,"end":6.8799996,"sentiment":"positive","sentiment_score":0.3690522760152817},{"text":"How are you going today?","start":6.8799996,"end":8.18,"sentiment":"positive","sentiment_score":0.41216652989387514}],"sentiment":"positive","sentiment_score":0.41928835426058086,"channel":0,"num_words":14,"start":4.7999997,"end":8.18},{"sentences":[{"text":"Oh, yeah.","start":8.639999,"end":9.3,"sentiment":"neutral","sentiment_score":0.21655422449111938}],"sentiment":"neutral","sentiment_score":0.21655422449111938,"channel":1,"num_words":2,"start":8.639999,"end":9.3},{"sentences":[{"text":"I'm living the dream.","start":10.32,"end":11.44,"sentiment":"positive","sentiment_score":0.4208599478006363},{"text":"It's absolutely pouring down over here.","start":11.44,"end":14.325,"sentiment":"neutral","sentiment_score":0.011883063862721128},{"text":"It's cold, wet, miserable.","start":15.125,"end":16.404999,"sentiment":"neutral","sentiment_score":-0.23538972437381744},{"text":"Yeah?","start":16.404999,"end":16.904999,"sentiment":"neutral","sentiment_score":-0.04948117956519127}],"sentiment":"neutral","sentiment_score":0.05091320648789406,"channel":0,"num_words":15,"start":10.32,"end":16.904999},{"sentences":[{"text":"It's been sprinkling on and off, but I'm just looking outside now, and it looks bright and sunny.","start":19.205,"end":26.564999,"sentiment":"neutral","sentiment_score":0.18689202315484485},{"text":"So","start":26.564999,"end":27.064999,"sentiment":"positive","sentiment_score":0.34670743346214294}],"sentiment":"neutral","sentiment_score":0.19530336053943947,"channel":1,"num_words":19,"start":19.205,"end":27.064999},{"sentences":[{"text":"Great to hear.","start":29.380001,"end":30.02,"sentiment":"positive","sentiment_score":0.6798582077026367},{"text":"Great to hear.","start":30.02,"end":30.58,"sentiment":"positive","sentiment_score":0.5505323708057404},{"text":"Mate,","start":30.58,"end":30.9,"sentiment":"neutral","sentiment_score":0.16401779651641846}],"sentiment":"positive","sentiment_score":0.5507413617202214,"channel":0,"num_words":7,"start":29.380001,"end":30.9},{"sentences":[{"text":"mhmm.","start":30.83,"end":31.33,"sentiment":"neutral","sentiment_score":0.11322473734617232}],"sentiment":"neutral","sentiment_score":0.11322473734617232,"channel":1,"num_words":1,"start":30.83,"end":31.33},{"sentences":[{"text":"have you got a bit of time for me now?","start":30.9,"end":32.68,"sentiment":"neutral","sentiment_score":0.0886900568380952}],"sentiment":"neutral","sentiment_score":0.0886900568380952,"channel":0,"num_words":10,"start":30.9,"end":32.68},{"sentences":[{"text":"Yeah.","start":33.07,"end":33.23,"sentiment":"neutral","sentiment_score":0.05177411437034607},{"text":"Yeah.","start":33.23,"end":33.55,"sentiment":"neutral","sentiment_score":0.07696539908647537},{"text":"Of course.","start":33.55,"end":34.19,"sentiment":"neutral","sentiment_score":0.11954456195235252},{"text":"Yes.","start":34.19,"end":34.69,"sentiment":"neutral","sentiment_score":0.26525425910949707}],"sentiment":"neutral","sentiment_score":0.12661657929420472,"channel":1,"num_words":5,"start":33.07,"end":34.69},{"sentences":[{"text":"Fantastic.","start":34.98,"end":35.48,"sentiment":"positive","sentiment_score":0.561538815498352},{"text":"So I'm gonna pop through this amended advice document through to you.","start":35.78,"end":39.555,"sentiment":"neutral","sentiment_score":0.27808628355463344}],"sentiment":"neutral","sentiment_score":0.29989032447338104,"channel":0,"num_words":13,"start":34.98,"end":39.555},{"sentences":[{"text":"Mhmm.","start":39.79,"end":40.29,"sentiment":"neutral","sentiment_score":0.050996892154216766}],"sentiment":"neutral","sentiment_score":0.050996892154216766,"channel":1,"num_words":1,"start":39.79,"end":40.29},{"sentences":[{"text":"Just before I do that, quick little security check.","start":40.115,"end":43.395,"sentiment":"neutral","sentiment_score":0.043690386745664805},{"text":"Do you remember your Oktoob password?","start":43.395,"end":45.735,"sentiment":"neutral","sentiment_score":0.03669507522135973}],"sentiment":"neutral","sentiment_score":0.04089226213594278,"channel":0,"num_words":15,"start":40.115,"end":45.735},{"sentences":[{"text":"Tacos?","start":47.235,"end":47.735,"sentiment":"neutral","sentiment_score":0.05027882009744644}],"sentiment":"neutral","sentiment_score":0.05027882009744644,"channel":1,"num_words":1,"start":47.235,"end":47.735},{"sentences":[{"text":"That's the","start":48.675,"end":49.155,"sentiment":"neutral","sentiment_score":0.13618043810129166}],"sentiment":"neutral","sentiment_score":0.13618043810129166,"channel":0,"num_words":2,"start":48.675,"end":49.155},{"sentences":[{"text":"That's","start":49.075,"end":49.395,"sentiment":"positive","sentiment_score":0.3991051316261291}],"sentiment":"positive","sentiment_score":0.3991051316261291,"channel":1,"num_words":1,"start":49.075,"end":49.395},{"sentences":[{"text":"one","start":49.155,"end":49.475,"sentiment":"positive","sentiment_score":0.3954009413719177}],"sentiment":"positive","sentiment_score":0.3954009413719177,"channel":0,"num_words":1,"start":49.155,"end":49.475},{"sentences":[{"text":"the","start":49.395,"end":49.555,"sentiment":"positive","sentiment_score":0.3980750739574432}],"sentiment":"positive","sentiment_score":0.3980750739574432,"channel":1,"num_words":1,"start":49.395,"end":49.555},{"sentences":[{"text":"favorite","start":49.475,"end":49.955,"sentiment":"positive","sentiment_score":0.4805084764957428}],"sentiment":"positive","sentiment_score":0.4805084764957428,"channel":0,"num_words":1,"start":49.475,"end":49.955},{"sentences":[{"text":"one.","start":49.555,"end":50.055,"sentiment":"positive","sentiment_score":0.3805496096611023}],"sentiment":"positive","sentiment_score":0.3805496096611023,"channel":1,"num_words":1,"start":49.555,"end":50.055},{"sentences":[{"text":"FoodSensation.","start":49.955,"end":50.935,"sentiment":"neutral","sentiment_score":0.1436203420162201}],"sentiment":"neutral","sentiment_score":0.1436203420162201,"channel":0,"num_words":1,"start":49.955,"end":50.935},{"sentences":[{"text":"Well, it's not even really exciting.","start":52.595,"end":54.114998,"sentiment":"neutral","sentiment_score":-0.16685720346868038},{"text":"It's just just a password, really.","start":54.114998,"end":57.52,"sentiment":"neutral","sentiment_score":-0.10019402205944061},{"text":"You know?","start":57.52,"end":57.92,"sentiment":"neutral","sentiment_score":-0.07082837447524071},{"text":"I had to think of something, and I must have been eating tacos at the time.","start":57.92,"end":62.18,"sentiment":"neutral","sentiment_score":-0.10629854537546635}],"sentiment":"neutral","sentiment_score":-0.11482469427088897,"channel":1,"num_words":30,"start":52.595,"end":62.18},{"sentences":[{"text":"Fair enough, mate.","start":63.65,"end":64.53,"sentiment":"neutral","sentiment_score":0.06668361152211826},{"text":"Fair enough.","start":64.53,"end":65.175,"sentiment":"neutral","sentiment_score":0.08313122019171715},{"text":"Whatever works that you can remember, that's fine.","start":65.33501,"end":67.175,"sentiment":"neutral","sentiment_score":0.07794281002134085},{"text":"Otherwise, three point ID check we can do as well.","start":67.175,"end":70.15501,"sentiment":"neutral","sentiment_score":0.027202827110886573}],"sentiment":"neutral","sentiment_score":0.05486452287953833,"channel":0,"num_words":23,"start":63.65,"end":70.15501},{"sentences":[{"text":"Yeah.","start":70.32,"end":70.479996,"sentiment":"neutral","sentiment_score":0.032162830233573914},{"text":"Yeah.","start":70.479996,"end":70.72,"sentiment":"neutral","sentiment_score":0.03832969814538956},{"text":"Yeah.","start":70.72,"end":71.22,"sentiment":"neutral","sentiment_score":0.07213301211595535}],"sentiment":"neutral","sentiment_score":0.04754184683163961,"channel":1,"num_words":3,"start":70.32,"end":71.22},{"sentences":[{"text":"Cool.","start":71.895004,"end":72.215004,"sentiment":"neutral","sentiment_score":0.11663081496953964},{"text":"And you're okay for the call to be recorded for the old training quality purposes?","start":72.215004,"end":75.995,"sentiment":"neutral","sentiment_score":0.03265158186356227}],"sentiment":"neutral","sentiment_score":0.03790028393268585,"channel":0,"num_words":16,"start":71.895004,"end":75.995},{"sentences":[{"text":"That's fine.","start":76.375,"end":77.195,"sentiment":"neutral","sentiment_score":0.12572543323040009}],"sentiment":"neutral","sentiment_score":0.12572543323040009,"channel":1,"num_words":2,"start":76.375,"end":77.195},{"sentences":[{"text":"Fantastic.","start":77.990005,"end":78.39,"sentiment":"positive","sentiment_score":0.41441410779953},{"text":"So I'm popping these documents through to your Outlook email.","start":78.39,"end":81.130005,"sentiment":"neutral","sentiment_score":0.19955509752035142},{"text":"Will you better have a look onto them with me today, or do you want me to just kind of walk you through them and give you a bit of time to read over?","start":81.19,"end":86.41,"sentiment":"neutral","sentiment_score":0.14491215457811074}],"sentiment":"neutral","sentiment_score":0.1630439630813069,"channel":0,"num_words":45,"start":77.990005,"end":86.41},{"sentences":[{"text":"No.","start":86.79,"end":87.03001,"sentiment":"neutral","sentiment_score":-0.09013748168945312},{"text":"I can see I can look in there.","start":87.03001,"end":88.97,"sentiment":"neutral","sentiment_score":-0.05215261713601649}],"sentiment":"neutral","sentiment_score":-0.05637315764195389,"channel":1,"num_words":9,"start":86.79,"end":88.97},{"sentences":[{"text":"Awesome.","start":90.235,"end":90.555,"sentiment":"positive","sentiment_score":0.33968794345855713},{"text":"So that should come through under signature request from your updated statement of advice.","start":90.555,"end":96.335,"sentiment":"neutral","sentiment_score":0.17726707511714526},{"text":"And once you've","start":96.875,"end":97.835,"sentiment":"neutral","sentiment_score":0.09540497014919917}],"sentiment":"neutral","sentiment_score":0.1726467725303438,"channel":0,"num_words":18,"start":90.235,"end":97.835},{"sentences":[{"text":"Mhmm.","start":97.83,"end":98.205,"sentiment":"neutral","sentiment_score":0.07437054812908173}],"sentiment":"neutral","sentiment_score":0.07437054812908173,"channel":1,"num_words":1,"start":97.83,"end":98.205},{"sentences":[{"text":"got that open, there should be a whole bunch of, like, PDF attachments at the bottom and then obviously the digital authorization when you're comfortable.","start":97.835,"end":105.615,"sentiment":"neutral","sentiment_score":0.08296243622899055}],"sentiment":"neutral","sentiment_score":0.08296243622899055,"channel":0,"num_words":25,"start":97.835,"end":105.615},{"sentences":[{"text":"I didn't come through yet.","start":109.725,"end":111.105,"sentiment":"neutral","sentiment_score":-0.08863991796970368}],"sentiment":"neutral","sentiment_score":-0.08863991796970368,"channel":1,"num_words":5,"start":109.725,"end":111.105},{"sentences":[{"text":"K.","start":112.350006,"end":112.850006,"sentiment":"neutral","sentiment_score":-0.007747931405901909},{"text":"And and double check mister b Smith sorry.","start":113.47,"end":117.55,"sentiment":"neutral","sentiment_score":-0.023677430348470807},{"text":"Mister bmSmith@Outlook.com.","start":117.55,"end":120.29,"sentiment":"neutral","sentiment_score":-0.009888976812362671}],"sentiment":"neutral","sentiment_score":-0.01972230252894488,"channel":0,"num_words":11,"start":112.350006,"end":120.29},{"sentences":[{"text":"Uh-huh.","start":120.48,"end":120.98,"sentiment":"neutral","sentiment_score":-0.011620201170444489}],"sentiment":"neutral","sentiment_score":-0.011620201170444489,"channel":1,"num_words":1,"start":120.48,"end":120.98},{"sentences":[{"text":"Alright.","start":122.265,"end":122.665,"sentiment":"neutral","sentiment_score":0.016044585034251213},{"text":"Let me just see if that's popping through.","start":122.665,"end":124.845,"sentiment":"neutral","sentiment_score":-0.011141500202938914},{"text":"And you've received the emails from us before, haven't you, when you first came on board?","start":128.985,"end":132.745,"sentiment":"neutral","sentiment_score":0.032655001734383404},{"text":"I think you came through.","start":132.745,"end":133.625,"sentiment":"neutral","sentiment_score":0.09763736873865128},{"text":"Okay?","start":133.625,"end":134.125,"sentiment":"neutral","sentiment_score":0.18633237481117249}],"sentiment":"neutral","sentiment_score":0.03625522031178398,"channel":0,"num_words":31,"start":122.265,"end":134.125},{"sentences":[{"text":"Perfect.","start":137.24,"end":137.74,"sentiment":"positive","sentiment_score":0.6433839797973633},{"text":"I'll give that another minute to come through.","start":138.36,"end":139.88,"sentiment":"positive","sentiment_score":0.3542807586491108},{"text":"You may go through your spam box or your main inbox, but I'll pop it through from my","start":139.88,"end":143.64,"sentiment":"neutral","sentiment_score":0.05921112197554774}],"sentiment":"neutral","sentiment_score":0.16827519424259663,"channel":0,"num_words":27,"start":137.24,"end":143.64},{"sentences":[{"text":"No.","start":143.59,"end":143.82999,"sentiment":"neutral","sentiment_score":-0.03597491607069969}],"sentiment":"neutral","sentiment_score":-0.03597491607069969,"channel":1,"num_words":1,"start":143.59,"end":143.82999},{"sentences":[{"text":"email","start":143.64,"end":143.88,"sentiment":"neutral","sentiment_score":-0.04613687843084335}],"sentiment":"neutral","sentiment_score":-0.04613687843084335,"channel":0,"num_words":1,"start":143.64,"end":143.88},{"sentences":[{"text":"I","start":143.82999,"end":143.98999,"sentiment":"neutral","sentiment_score":-0.0132640041410923}],"sentiment":"neutral","sentiment_score":-0.0132640041410923,"channel":1,"num_words":1,"start":143.82999,"end":143.98999},{"sentences":[{"text":"address","start":143.88,"end":144.28,"sentiment":"neutral","sentiment_score":-0.018601007759571075}],"sentiment":"neutral","sentiment_score":-0.018601007759571075,"channel":0,"num_words":1,"start":143.88,"end":144.28},{"sentences":[{"text":"got 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statement of advice document with the old beachfront Gold Coast picture on it.","start":147.735,"end":159.9,"sentiment":"neutral","sentiment_score":0.041577249060611464}],"sentiment":"neutral","sentiment_score":0.04155674658534003,"channel":0,"num_words":41,"start":145.0,"end":159.9},{"sentences":[{"text":"Mhmm.","start":160.085,"end":160.585,"sentiment":"neutral","sentiment_score":0.02821267955005169}],"sentiment":"neutral","sentiment_score":0.02821267955005169,"channel":1,"num_words":1,"start":160.085,"end":160.585},{"sentences":[{"text":"And just let me know when you've got that one open.","start":161.73999,"end":164.0,"sentiment":"neutral","sentiment_score":0.02262959595430981}],"sentiment":"neutral","sentiment_score":0.02262959595430981,"channel":0,"num_words":11,"start":161.73999,"end":164.0},{"sentences":[{"text":"Yeah.","start":164.16501,"end":164.405,"sentiment":"neutral","sentiment_score":0.06863601505756378},{"text":"It's 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policy one, and out of pocket policies.","start":370.755,"end":376.435,"sentiment":"neutral","sentiment_score":0.15187154859304428},{"text":"I've kind of given a bit of a breakdown for you.","start":376.435,"end":378.72,"sentiment":"neutral","sentiment_score":0.18367879634553735}],"sentiment":"neutral","sentiment_score":0.16290522477141134,"channel":0,"num_words":27,"start":369.315,"end":378.72},{"sentences":[{"text":"Yep.","start":379.31,"end":379.81,"sentiment":"neutral","sentiment_score":0.08271201699972153}],"sentiment":"neutral","sentiment_score":0.08271201699972153,"channel":1,"num_words":1,"start":379.31,"end":379.81},{"sentences":[{"text":"So the life and CPD, a mil 65, that just matches what you currently got.","start":381.04,"end":385.78,"sentiment":"neutral","sentiment_score":0.12440508206685384},{"text":"The income protection, that's based on that base income that we were talking about with a bit of super contributions over the top to get you up to the 8,200.","start":385.92,"end":394.905,"sentiment":"neutral","sentiment_score":0.12219552248716355}],"sentiment":"neutral","sentiment_score":0.12293204234706032,"channel":0,"num_words":45,"start":381.04,"end":394.905},{"sentences":[{"text":"Mhmm.","start":395.45502,"end":395.95502,"sentiment":"neutral","sentiment_score":0.05001683905720711}],"sentiment":"neutral","sentiment_score":0.05001683905720711,"channel":1,"num_words":1,"start":395.45502,"end":395.95502},{"sentences":[{"text":"So 7,000 a month comes out to you, 1,200 a month goes out to your super fund.","start":396.405,"end":401.86502,"sentiment":"neutral","sentiment_score":0.09273208458633984},{"text":"Now if your income has gone up as a baseline, we can flip that around and get a little bit more coming out to you than going into the super if you have a preference for that, but this is just based on that old income that we had.","start":402.165,"end":414.88,"sentiment":"neutral","sentiment_score":0.05558051556652906}],"sentiment":"neutral","sentiment_score":0.06514985910193487,"channel":0,"num_words":66,"start":396.405,"end":414.88},{"sentences":[{"text":"Okay.","start":416.225,"end":416.725,"sentiment":"neutral","sentiment_score":0.06265230476856232},{"text":"Yeah.","start":416.945,"end":417.105,"sentiment":"neutral","sentiment_score":0.07552003115415573},{"text":"Well, that's still the same.","start":417.105,"end":418.14502,"sentiment":"neutral","sentiment_score":0.11472831815481185},{"text":"That $1.44 is the the fixed the fixed amount.","start":418.14502,"end":424.86002,"sentiment":"neutral","sentiment_score":0.0869952460957898},{"text":"That's the salary.","start":425.8,"end":426.78,"sentiment":"neutral","sentiment_score":0.09180139501889546}],"sentiment":"neutral","sentiment_score":0.09316712245345116,"channel":1,"num_words":19,"start":416.225,"end":426.78},{"sentences":[{"text":"Yep.","start":429.975,"end":430.295,"sentiment":"neutral","sentiment_score":0.1317271739244461},{"text":"So that's still fixed.","start":430.295,"end":431.335,"sentiment":"neutral","sentiment_score":0.14103014767169952},{"text":"And then you mentioned, I think, you did a lot of overtime the last twelve months, and it's just really pushed things up for this financial year.","start":431.335,"end":437.63998,"sentiment":"neutral","sentiment_score":-0.24584591223133934}],"sentiment":"neutral","sentiment_score":-0.1856872458010912,"channel":0,"num_words":32,"start":429.975,"end":437.63998},{"sentences":[{"text":"That's right.","start":437.8,"end":438.36,"sentiment":"neutral","sentiment_score":0.03692838363349438},{"text":"Yeah.","start":438.36,"end":438.6,"sentiment":"neutral","sentiment_score":-0.0632392168045044},{"text":"That's I don't think that'll that'll ever let me do that again.","start":438.6,"end":442.58502,"sentiment":"neutral","sentiment_score":-0.3078473707040151}],"sentiment":"neutral","sentiment_score":-0.24557005986571312,"channel":1,"num_words":15,"start":437.8,"end":442.58502},{"sentences":[{"text":"No.","start":443.54,"end":443.86,"sentiment":"neutral","sentiment_score":-0.30987781286239624},{"text":"No.","start":443.86,"end":444.1,"sentiment":"neutral","sentiment_score":-0.29665252566337585},{"text":"That's fair enough.","start":444.1,"end":444.97998,"sentiment":"neutral","sentiment_score":-0.17481664816538492},{"text":"So I'll just cover on the base.","start":444.97998,"end":446.58,"sentiment":"neutral","sentiment_score":-0.03723128831812313},{"text":"That's probably okay.","start":446.58,"end":447.8,"sentiment":"neutral","sentiment_score":0.1197667916615804}],"sentiment":"neutral","sentiment_score":-0.06881992841760318,"channel":0,"num_words":15,"start":443.54,"end":447.8},{"sentences":[{"text":"One thing that I'll kind of just flip around with you, if it's okay, is if you're on one twenty and you got 70% of that, that's with 7,000 a month.","start":448.66,"end":459.935,"sentiment":"neutral","sentiment_score":-0.008791038916716653},{"text":"So I've added the super contributions on top to get it","start":460.395,"end":464.11,"sentiment":"neutral","sentiment_score":0.1499766538088972}],"sentiment":"neutral","sentiment_score":0.03279097584475364,"channel":0,"num_words":42,"start":448.66,"end":464.11},{"sentences":[{"text":"Uh-huh.","start":464.07,"end":464.57,"sentiment":"neutral","sentiment_score":0.028146473690867424}],"sentiment":"neutral","sentiment_score":0.028146473690867424,"channel":1,"num_words":1,"start":464.07,"end":464.57},{"sentences":[{"text":"to 8,200, but we can bump it up however far you feel is appropriate.","start":464.11,"end":469.33,"sentiment":"neutral","sentiment_score":0.13659081341964857},{"text":"And especially, like, given whatever you actually need to live on as an income replacement.","start":470.19,"end":475.81,"sentiment":"neutral","sentiment_score":0.060429982095956805}],"sentiment":"neutral","sentiment_score":0.09719727997635973,"channel":0,"num_words":29,"start":464.11,"end":475.81},{"sentences":[{"text":"Okay.","start":476.36502,"end":476.86502,"sentiment":"neutral","sentiment_score":0.032746098935604095},{"text":"Righto.","start":481.01,"end":481.51,"sentiment":"neutral","sentiment_score":0.016870243474841118},{"text":"So what do I need to check there then?","start":483.33002,"end":485.83002,"sentiment":"neutral","sentiment_score":-0.027527978229853842}],"sentiment":"neutral","sentiment_score":-0.01801231469620358,"channel":1,"num_words":11,"start":476.36502,"end":485.83002},{"sentences":[{"text":"So the check at the moment is 7,000 a month coming out from you okay to live off if you're out of work for six months?","start":486.735,"end":493.44,"sentiment":"neutral","sentiment_score":-0.07779334879551943}],"sentiment":"neutral","sentiment_score":-0.07779334879551943,"channel":0,"num_words":26,"start":486.735,"end":493.44},{"sentences":[{"text":"Let me double check.","start":495.345,"end":497.745,"sentiment":"neutral","sentiment_score":-0.06506625469774008},{"text":"I've got something here.","start":497.745,"end":499.045,"sentiment":"neutral","sentiment_score":-0.07041396386921406},{"text":"Fixed costs.","start":509.03998,"end":510.02,"sentiment":"neutral","sentiment_score":-0.1044272929430008},{"text":"So my fixed costs, $4,326.74 a month, and the rest is just basically burned, rego and insurance annually.","start":512.88,"end":526.165,"sentiment":"neutral","sentiment_score":-0.15442777342266506},{"text":"$4.05, 6,","start":527.345,"end":528.64496,"sentiment":"neutral","sentiment_score":-0.00919393403455615}],"sentiment":"neutral","sentiment_score":-0.11829544166103005,"channel":1,"num_words":30,"start":495.345,"end":528.64496},{"sentences":[{"text":"Mhmm.","start":528.465,"end":528.965,"sentiment":"neutral","sentiment_score":-0.010314784944057465}],"sentiment":"neutral","sentiment_score":-0.010314784944057465,"channel":0,"num_words":1,"start":528.465,"end":528.965},{"sentences":[{"text":"seven.","start":528.785,"end":529.285,"sentiment":"neutral","sentiment_score":-0.014448323287069798},{"text":"Yeah.","start":530.225,"end":530.625,"sentiment":"neutral","sentiment_score":-0.003828899934887886},{"text":"I guess that'd be that yeah.","start":530.625,"end":532.545,"sentiment":"neutral","sentiment_score":-0.049461103354891144},{"text":"That'd that'd be covering everything, plus groceries, I suppose.","start":532.545,"end":536.485,"sentiment":"neutral","sentiment_score":0.09240732259220547}],"sentiment":"neutral","sentiment_score":0.030389532939914393,"channel":1,"num_words":17,"start":528.785,"end":536.485},{"sentences":[{"text":"Yep.","start":537.745,"end":538.245,"sentiment":"neutral","sentiment_score":0.15187400579452515},{"text":"Now bear in mind, it's all based on your, like, disclosed income for the previous twelve months.","start":539.18,"end":544.54,"sentiment":"neutral","sentiment_score":0.06531377487322863},{"text":"So whatever you insure for, you go to claim, you give them your twelve month income, and they calculate it based on","start":544.54,"end":550.96,"sentiment":"neutral","sentiment_score":0.07857757806777954}],"sentiment":"neutral","sentiment_score":0.07477287240326405,"channel":0,"num_words":40,"start":537.745,"end":550.96},{"sentences":[{"text":"Okay.","start":551.42,"end":551.82,"sentiment":"neutral","sentiment_score":0.07548514008522034},{"text":"Yeah.","start":551.82,"end":552.32,"sentiment":"neutral","sentiment_score":0.08292202651500702}],"sentiment":"neutral","sentiment_score":0.07920358330011368,"channel":1,"num_words":2,"start":551.42,"end":552.32},{"sentences":[{"text":"K.","start":553.295,"end":553.455,"sentiment":"neutral","sentiment_score":0.09802897274494173},{"text":"So you've got wiggle room to go up if you need to, but this is the safest amount.","start":553.455,"end":558.035,"sentiment":"neutral","sentiment_score":0.16857144981622696},{"text":"K.","start":561.375,"end":561.615,"sentiment":"neutral","sentiment_score":0.09829774498939514},{"text":"Any questions on that so far?","start":561.615,"end":562.895,"sentiment":"neutral","sentiment_score":0.129585483421882},{"text":"That sound alright?","start":562.895,"end":563.875,"sentiment":"neutral","sentiment_score":0.13391585648059845}],"sentiment":"neutral","sentiment_score":0.1520645960137762,"channel":0,"num_words":29,"start":553.295,"end":563.875},{"sentences":[{"text":"Mhmm.","start":564.89496,"end":565.055,"sentiment":"neutral","sentiment_score":0.04264320060610771},{"text":"Yeah.","start":565.055,"end":565.375,"sentiment":"neutral","sentiment_score":0.08166947960853577},{"text":"I know.","start":565.375,"end":565.69495,"sentiment":"neutral","sentiment_score":0.05633862875401974},{"text":"I understand.","start":565.69495,"end":566.33496,"sentiment":"neutral","sentiment_score":0.07038098946213722},{"text":"And I might I'm I'm looking on a phone.","start":566.33496,"end":568.435,"sentiment":"neutral","sentiment_score":0.0025109298941161894}],"sentiment":"neutral","sentiment_score":0.026690019046266875,"channel":1,"num_words":15,"start":564.89496,"end":568.435},{"sentences":[{"text":"So","start":568.5,"end":569.0,"sentiment":"neutral","sentiment_score":0.006772823631763458}],"sentiment":"neutral","sentiment_score":0.006772823631763458,"channel":1,"num_words":1,"start":568.5,"end":569.0},{"sentences":[{"text":"I believe that.","start":571.67,"end":572.47,"sentiment":"neutral","sentiment_score":0.05499836802482605},{"text":"I'll definitely give you some time on that.","start":572.47,"end":574.14996,"sentiment":"neutral","sentiment_score":0.24669303558766842},{"text":"The second thing is just on the out of pocket stuff that we're just talking about, the trauma, let me break down what I've recommended and get your thoughts on.","start":574.14996,"end":581.775,"sentiment":"neutral","sentiment_score":0.0576038100446264}],"sentiment":"neutral","sentiment_score":0.0943086265881614,"channel":0,"num_words":41,"start":571.67,"end":581.775},{"sentences":[{"text":"Yeah.","start":581.78,"end":581.94,"sentiment":"neutral","sentiment_score":0.06671662628650665},{"text":"Okay.","start":581.94,"end":582.44,"sentiment":"neutral","sentiment_score":0.07484152913093567}],"sentiment":"neutral","sentiment_score":0.07077907770872116,"channel":1,"num_words":2,"start":581.78,"end":582.44},{"sentences":[{"text":"So the 106,000 for you, that's heart attack, stroke, cancer.","start":583.915,"end":589.695,"sentiment":"neutral","sentiment_score":0.060310890153050425},{"text":"Now leave you policy you've got is standard trauma.","start":590.25,"end":594.35004,"sentiment":"neutral","sentiment_score":0.09103621252708965},{"text":"So it does all the big stuff, heart attack, stroke, and cancer.","start":594.65,"end":597.87,"sentiment":"neutral","sentiment_score":0.09628773418565591},{"text":"Now you can get plus cover, which covers you for 30 or 40 additional illnesses.","start":598.57,"end":606.285,"sentiment":"neutral","sentiment_score":0.10563679685195287},{"text":"And","start":606.905,"end":607.145,"sentiment":"neutral","sentiment_score":0.0820838212966919}],"sentiment":"neutral","sentiment_score":0.09030900848038653,"channel":0,"num_words":47,"start":583.915,"end":607.145},{"sentences":[{"text":"Okay.","start":607.07996,"end":607.57996,"sentiment":"neutral","sentiment_score":0.07586869597434998}],"sentiment":"neutral","sentiment_score":0.07586869597434998,"channel":1,"num_words":1,"start":607.07996,"end":607.57996},{"sentences":[{"text":"that's anything from Crohn's disease, polycystic kidney disease, organ failure, partial smaller cancers, partial payments.","start":607.145,"end":615.645,"sentiment":"neutral","sentiment_score":0.024472702480852603},{"text":"If you lose an eye, hand, or foot, the list goes on.","start":615.945,"end":619.77,"sentiment":"neutral","sentiment_score":-0.00020669602478543916},{"text":"There's a huge table about it.","start":619.77,"end":621.53,"sentiment":"neutral","sentiment_score":0.04473252408206463},{"text":"But, basically, standard trauma policy covers you for the big five, heart attack, stroke, cancer, and so on.","start":621.53,"end":628.43,"sentiment":"neutral","sentiment_score":0.05568321421742439},{"text":"Fleetview covers you for about twelve to fifteen, and any plus policy with any provider covers you for all 32.","start":629.69,"end":636.605,"sentiment":"neutral","sentiment_score":0.08080451171845197}],"sentiment":"neutral","sentiment_score":0.04579427351676662,"channel":0,"num_words":71,"start":607.145,"end":636.605},{"sentences":[{"text":"Yep.","start":637.39,"end":637.89,"sentiment":"neutral","sentiment_score":0.12379217147827148}],"sentiment":"neutral","sentiment_score":0.12379217147827148,"channel":1,"num_words":1,"start":637.39,"end":637.89},{"sentences":[{"text":"Now the Neos policy, there was only a $5 difference between the standard and the plus.","start":638.825,"end":644.185,"sentiment":"neutral","sentiment_score":0.0717075546272099},{"text":"So I did recommend the plus because it was basically the same price.","start":644.185,"end":647.325,"sentiment":"neutral","sentiment_score":0.20498379721091345}],"sentiment":"neutral","sentiment_score":0.13145207716473217,"channel":0,"num_words":29,"start":638.825,"end":647.325},{"sentences":[{"text":"Yeah.","start":647.575,"end":647.815,"sentiment":"neutral","sentiment_score":0.10556113719940186},{"text":"Yeah.","start":647.815,"end":648.05505,"sentiment":"neutral","sentiment_score":0.1091604009270668},{"text":"Well, $5 difference.","start":648.05505,"end":649.17505,"sentiment":"neutral","sentiment_score":0.11421425888935725},{"text":"You wanna get you go over the the plus for sure.","start":649.17505,"end":653.11505,"sentiment":"neutral","sentiment_score":0.15849318423054434}],"sentiment":"neutral","sentiment_score":0.14379933383315802,"channel":1,"num_words":16,"start":647.575,"end":653.11505},{"sentences":[{"text":"Yeah.","start":653.88,"end":654.36005,"sentiment":"neutral","sentiment_score":0.09271159023046494},{"text":"Usually, if it was, like, a 30% difference, I'd be definitely having a chat to you about it first, but","start":654.36005,"end":660.255,"sentiment":"neutral","sentiment_score":0.0936829624697566}],"sentiment":"neutral","sentiment_score":0.09363670664883796,"channel":0,"num_words":21,"start":653.88,"end":660.255},{"sentences":[{"text":"Mhmm.","start":660.24,"end":660.74,"sentiment":"neutral","sentiment_score":0.03069743700325489}],"sentiment":"neutral","sentiment_score":0.03069743700325489,"channel":1,"num_words":1,"start":660.24,"end":660.74},{"sentences":[{"text":"$5 wasn't too much.","start":660.255,"end":661.875,"sentiment":"neutral","sentiment_score":-0.009930146858096123},{"text":"Now the child trauma, 53,000 each for both the kids as well on top.","start":662.015,"end":666.835,"sentiment":"neutral","sentiment_score":0.08705673779227904},{"text":"And can you see there I know it's on your phone, but can you see it there's a little life insurance policy under where it says out","start":666.97504,"end":673.57,"sentiment":"neutral","sentiment_score":0.013087258518983921}],"sentiment":"neutral","sentiment_score":0.034053993814935284,"channel":0,"num_words":45,"start":660.255,"end":673.57},{"sentences":[{"text":"Alright.","start":674.585,"end":674.905,"sentiment":"neutral","sentiment_score":0.05158230289816856},{"text":"Let me","start":674.905,"end":675.305,"sentiment":"neutral","sentiment_score":0.0386927742511034}],"sentiment":"neutral","sentiment_score":0.04298928380012512,"channel":1,"num_words":3,"start":674.585,"end":675.305},{"sentences":[{"text":"of","start":675.11,"end":675.61,"sentiment":"neutral","sentiment_score":0.033531200140714645}],"sentiment":"neutral","sentiment_score":0.033531200140714645,"channel":0,"num_words":1,"start":675.11,"end":675.61},{"sentences":[{"text":"find that.","start":675.305,"end":676.28503,"sentiment":"neutral","sentiment_score":0.04282790794968605}],"sentiment":"neutral","sentiment_score":0.04282790794968605,"channel":1,"num_words":2,"start":675.305,"end":676.28503},{"sentences":[{"text":"pocket policy.","start":677.15,"end":679.69,"sentiment":"neutral","sentiment_score":0.03603403456509113},{"text":"And it's on the same page on that page 13.","start":681.23,"end":683.73,"sentiment":"neutral","sentiment_score":0.061618057265877726},{"text":"Policy one is your super.","start":684.19,"end":685.81,"sentiment":"neutral","sentiment_score":0.11834516823291778},{"text":"Second half of the page is the out of pocket trauma side.","start":686.21497,"end":689.035,"sentiment":"neutral","sentiment_score":0.07012237266947825}],"sentiment":"neutral","sentiment_score":0.07315320534438922,"channel":0,"num_words":29,"start":677.15,"end":689.035},{"sentences":[{"text":"Out of pocket policy.","start":688.98,"end":690.2,"sentiment":"neutral","sentiment_score":0.055366868153214455},{"text":"Yep.","start":690.42,"end":690.92,"sentiment":"neutral","sentiment_score":0.16491663455963135}],"sentiment":"neutral","sentiment_score":0.07727682143449784,"channel":1,"num_words":5,"start":688.98,"end":690.92},{"sentences":[{"text":"Yep.","start":691.335,"end":691.835,"sentiment":"neutral","sentiment_score":0.2052883803844452},{"text":"The very next line, I've linked up a 106,000 worth of life insurance to the trauma because it actually makes it cheaper overall, funnily","start":691.895,"end":699.87,"sentiment":"neutral","sentiment_score":0.26114436984062195}],"sentiment":"neutral","sentiment_score":0.25891013026237486,"channel":0,"num_words":25,"start":691.335,"end":699.87},{"sentences":[{"text":"Okay.","start":702.435,"end":702.935,"sentiment":"neutral","sentiment_score":0.23528511822223663}],"sentiment":"neutral","sentiment_score":0.23528511822223663,"channel":1,"num_words":1,"start":702.435,"end":702.935},{"sentences":[{"text":"enough.","start":703.45,"end":703.77,"sentiment":"neutral","sentiment_score":0.24472546577453613},{"text":"So what usually happens is if you've got life insurance and it can act as a big pool of cover, you can link your TPD, link your trauma cover to it.","start":703.77,"end":712.09,"sentiment":"neutral","sentiment_score":0.24331046833146003},{"text":"It makes it more affordable.","start":712.09,"end":713.55005,"sentiment":"positive","sentiment_score":0.38644983768463137},{"text":"One of the little tricks is if you link life and trauma out of pocket, it's less than just having trauma by itself.","start":714.345,"end":719.805,"sentiment":"neutral","sentiment_score":0.1899283602833748}],"sentiment":"neutral","sentiment_score":0.23479919098317623,"channel":0,"num_words":60,"start":703.45,"end":719.805},{"sentences":[{"text":"Okay.","start":720.32,"end":720.82,"sentiment":"neutral","sentiment_score":0.2553635537624359},{"text":"So that's a good that's","start":721.36,"end":722.48004,"sentiment":"positive","sentiment_score":0.4999335289001465}],"sentiment":"positive","sentiment_score":0.4591718663771947,"channel":1,"num_words":6,"start":720.32,"end":722.48004},{"sentences":[{"text":"K.","start":722.425,"end":722.925,"sentiment":"positive","sentiment_score":0.3992645740509033}],"sentiment":"positive","sentiment_score":0.3992645740509033,"channel":0,"num_words":1,"start":722.425,"end":722.925},{"sentences":[{"text":"a good advice 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anymore.","start":1248.4,"end":1249.845,"sentiment":"neutral","sentiment_score":-0.3029417885201318}],"sentiment":"neutral","sentiment_score":-0.23578756623740854,"channel":1,"num_words":29,"start":1244.4,"end":1249.845},{"sentences":[{"text":"Right?","start":1249.845,"end":1250.345,"sentiment":"neutral","sentiment_score":-0.12895983457565308}],"sentiment":"neutral","sentiment_score":-0.12895983457565308,"channel":1,"num_words":1,"start":1249.845,"end":1250.345},{"sentences":[{"text":"Yeah.","start":1251.535,"end":1251.935,"sentiment":"neutral","sentiment_score":-0.13364505767822266},{"text":"It'd be an uprising.","start":1251.935,"end":1252.8351,"sentiment":"neutral","sentiment_score":-0.190897349268198}],"sentiment":"neutral","sentiment_score":-0.17944689095020294,"channel":0,"num_words":5,"start":1251.535,"end":1252.8351},{"sentences":[{"text":"But, look, it's it worked well enough, and I'm surprised that organizations demanded a return to the office in most circumstances.","start":1254.005,"end":1262.505,"sentiment":"neutral","sentiment_score":-0.2342549773554007},{"text":"You know?","start":1262.8049,"end":1263.465,"sentiment":"neutral","sentiment_score":-0.18627101927995682},{"text":"But I guess it's more because they are stuck in long term leases on commercial 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anyway, man,","start":1274.5701,"end":1276.3301,"sentiment":"neutral","sentiment_score":0.007812296971678735}],"sentiment":"neutral","sentiment_score":-0.06837259232997894,"channel":1,"num_words":9,"start":1272.3301,"end":1276.3301},{"sentences":[{"text":"Yeah.","start":1276.215,"end":1276.715,"sentiment":"neutral","sentiment_score":0.2850821018218994}],"sentiment":"neutral","sentiment_score":0.2850821018218994,"channel":0,"num_words":1,"start":1276.215,"end":1276.715},{"sentences":[{"text":"I appreciate you doing that for me.","start":1276.3301,"end":1277.77,"sentiment":"positive","sentiment_score":0.7864055463245937},{"text":"I'll read over it in the next couple of days, and talk to you next week.","start":1277.77,"end":1280.915,"sentiment":"positive","sentiment_score":0.37013077922165394},{"text":"I'll talk to Jack.","start":1280.915,"end":1281.895,"sentiment":"neutral","sentiment_score":0.2292483188211918}],"sentiment":"positive","sentiment_score":0.45718239137419947,"channel":1,"num_words":27,"start":1276.3301,"end":1281.895},{"sentences":[{"text":"No worries at all.","start":1282.005,"end":1282.965,"sentiment":"neutral","sentiment_score":0.29745227098464966},{"text":"Yep.","start":1282.965,"end":1283.445,"sentiment":"neutral","sentiment_score":0.2628496289253235},{"text":"Alright.","start":1283.445,"end":1283.765,"sentiment":"neutral","sentiment_score":0.21568068861961365},{"text":"02:00 next week.","start":1283.765,"end":1284.965,"sentiment":"neutral","sentiment_score":0.19185001651446024},{"text":"Anything you need, just give me a buzz.","start":1284.965,"end":1286.905,"sentiment":"neutral","sentiment_score":0.300859360024333}],"sentiment":"neutral","sentiment_score":0.2735743724247989,"channel":0,"num_words":17,"start":1282.005,"end":1286.905},{"sentences":[{"text":"Will do.","start":1287.075,"end":1287.715,"sentiment":"positive","sentiment_score":0.45085062086582184},{"text":"Catch you.","start":1287.715,"end":1288.455,"sentiment":"positive","sentiment_score":0.5313403904438019}],"sentiment":"positive","sentiment_score":0.49109550565481186,"channel":1,"num_words":4,"start":1287.075,"end":1288.455},{"sentences":[{"text":"Thanks for having me.","start":1289.125,"end":1290.4249,"sentiment":"positive","sentiment_score":0.7860459834337234}],"sentiment":"positive","sentiment_score":0.7860459834337234,"channel":0,"num_words":4,"start":1289.125,"end":1290.4249},{"sentences":[{"text":"Bye.","start":1290.675,"end":1291.175,"sentiment":"neutral","sentiment_score":-0.12021777033805849}],"sentiment":"neutral","sentiment_score":-0.12021777033805849,"channel":1,"num_words":1,"start":1290.675,"end":1291.175}]},"summary":{"result":"success","short":"In a conversation between representatives from Oakview and a customer named Bradley Smith, they discuss coverage and benefits of various insurance policies. They provide detailed advice documents and cover a few pages, including a statement of advice and a review of the insurance strategy. The agents emphasise the benefits of the policy, including a fixed monthly premium and maximum out of pocket maximum of $5,000, and recommend a standard funeral policy for $500,000 to cover everything. They also explain coverage and costs for each policy and provide information on coverage and benefits. The representatives offer assistance and a follow-up call if needed."},"intents":{"segments":[{"text":"So I'm popping these documents through to your Outlook email. Will you better have a look onto them with me today, or do you want me to just kind of walk you through them and give you a bit of time to read over? No.","start_word":190,"end_word":234,"intents":[{"intent":"Review documents through email","confidence_score":0.00008192732}]},{"text":"Just there we go. Mate, down the bottom, there should be about six attachments, some of them product documents and appendix research, but really just looking for that statement of advice document with the old beachfront Gold Coast picture on it. Mhmm.","start_word":373,"end_word":414,"intents":[{"intent":"Provide information","confidence_score":0.058952134}]},{"text":"So the main thing with this one was just demanding the insurance strategy. I came up with a few ideas there, came up with a pretty good outcome, but there was a couple little things, bit of a trade off I wanted to discuss with you as well.","start_word":430,"end_word":477,"intents":[{"intent":"Discuss insurance strategy","confidence_score":0.2823163}]},{"text":"you wanna pop down about three or four pages, just checking the scope of advice there, if you Yep. can I'm see there. that heading.","start_word":481,"end_word":505,"intents":[{"intent":"Check scope of advice","confidence_score":0.31276345}]},{"text":"So that's just talking about that we've already kind of implemented the super advice, and we're just Yep. looking at the alternatives for the insurances. We have included, obviously, like, updated projections to show the impact of the premiums on your super. So it's in there as a limited scope. Mhmm. Cool.","start_word":508,"end_word":559,"intents":[{"intent":"Check insurance impact","confidence_score":0.0089561865}]},{"text":"And if you just go to page 10, it's got your current ClearView policy on there.","start_word":636,"end_word":651,"intents":[{"intent":"Access clearview policy","confidence_score":0.0030468975}]},{"text":"But the the premiums jumped up to 3,900 out of super.","start_word":701,"end_word":711,"intents":[{"intent":"Resolve premium differences","confidence_score":0.00026256716}]},{"text":"So the life and CPD, a mil 65, that just matches what you currently got. The income protection, that's based on that base income that we were talking about with a bit of super contributions over the top to get you up to the 8,200.","start_word":1012,"end_word":1056,"intents":[{"intent":"Add super contributions","confidence_score":0.8959712},{"intent":"Add super contributions","confidence_score":0.2213045},{"intent":"Update income","confidence_score":0.0085584475}]},{"text":"So 7,000 a month comes out to you, 1,200 a month goes out to your super fund. Now if your income has gone up as a baseline, we can flip that around and get a little bit more coming out to you than going into the super if you have a preference for that, but this is just based on that old income that we had. Okay. Yeah.","start_word":1057,"end_word":1124,"intents":[{"intent":"Adjust income","confidence_score":0.052491385}]},{"text":"That's fair enough. So I'll just cover on the base. That's probably okay.","start_word":1191,"end_word":1203,"intents":[{"intent":"Cover base","confidence_score":0.1992025}]},{"text":"So the check at the moment is 7,000 a month coming out from you okay to live off if you're out of work for six months? Let me double check.","start_word":1287,"end_word":1316,"intents":[{"intent":"Qualify for cash check","confidence_score":0.0000029334524}]},{"text":"That'd that'd be covering everything, plus groceries, I suppose. Yep.","start_word":1353,"end_word":1362,"intents":[{"intent":"Inquire about coverage options","confidence_score":0.0018109778}]},{"text":"so attached to that email is the Neos quote itself breaking down each of the covers for you, including the premiums for each subsection, And that's Yes.","start_word":2333,"end_word":2359,"intents":[{"intent":"Share quote details","confidence_score":0.00088432623}]},{"text":"But what I want you to just write down is if you have a curious second and you wanna know what's going on with that, what that trauma pays out on, the Neos PDF, you don't have to read all 700 pages of it, but I'll just get you the actual page number with the table on there so you can have a read. It's only about one or two pages. Yep.","start_word":2378,"end_word":2449,"intents":[{"intent":"Provide trauma information","confidence_score":0.05691923},{"intent":"Discuss and explain trauma information","confidence_score":0.0000068148743}]},{"text":"So the former section for Neos, they call it critical illness. It's interchangeable. It starts on page 20. 20.","start_word":2479,"end_word":2497,"intents":[{"intent":"Provide information about neos pcts","confidence_score":0.0000013173891}]},{"text":"the tables of the conditions it covers. Conditions.","start_word":2524,"end_word":2531,"intents":[{"intent":"Provide information about condition tables","confidence_score":0.002332769}]},{"text":"Do you want me to give you a bit of time to obviously read over that, but do you want me to book a tentative appointment with the implementation team or just sort of follow you Oh, up next week?","start_word":2898,"end_word":2937,"intents":[{"intent":"Book appointment","confidence_score":0.29357147}]},{"text":"it will just be a bit of a follow-up conversation.","start_word":3069,"end_word":3078,"intents":[{"intent":"Follow-up conversation","confidence_score":0.27153575}]},{"text":"A little bit of a bonus from old Chevy and the directors there. But Monday, Tuesday, Wednesday, the team obviously will get you a coffee and I'm sorry I missed you last time too.","start_word":3155,"end_word":3188,"intents":[{"intent":"Get coffee","confidence_score":0.11085698}]},{"text":"That's Full one of pre COVID, that's unheard of. time.","start_word":3212,"end_word":3221,"intents":[{"intent":"Discuss covid-19 impact","confidence_score":0.0074964142}]}]},"sentiments":{"segments":[{"text":"Hello. Bradley Smith speaking.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.04766877740621567},{"text":"Good day, Bradley. It's Tommy here from Oakview, mate. How are you going today?","start_word":4,"end_word":17,"sentiment":"positive","sentiment_score":0.4256118237972259},{"text":"Oh, yeah.","start_word":18,"end_word":19,"sentiment":"neutral","sentiment_score":0.21655422449111936},{"text":"I'm living the dream.","start_word":20,"end_word":23,"sentiment":"positive","sentiment_score":0.39448222517967224},{"text":"It's absolutely pouring down over here. It's cold, wet, miserable. Yeah? It's been sprinkling on and off, but I'm just looking outside now, and it looks bright and sunny.","start_word":24,"end_word":52,"sentiment":"neutral","sentiment_score":0.04216127470135689},{"text":"So Great to hear. Great to hear.","start_word":53,"end_word":59,"sentiment":"positive","sentiment_score":0.5678932070732117},{"text":"Mate, mhmm. have you got a bit of time for me now? Yeah. Yeah. Of course. Yes.","start_word":60,"end_word":76,"sentiment":"neutral","sentiment_score":0.11267365515232086},{"text":"Fantastic.","start_word":77,"end_word":77,"sentiment":"positive","sentiment_score":0.561538815498352},{"text":"So I'm gonna pop through this amended advice document through to you. Mhmm. Just before I do that, quick little security check. Do you remember your Oktoob password? Tacos? That's the That's one the favorite one. FoodSensation. Well, it's not even really exciting. It's just just a password, really. You know? I had to think of something, and I must have been eating tacos at the time. Fair enough, mate. Fair enough. Whatever works that you can remember, that's fine. Otherwise, three point ID check we can do as well. Yeah. Yeah. Yeah. Cool. And you're okay for the call to be recorded for the old training quality purposes? That's fine.","start_word":78,"end_word":188,"sentiment":"neutral","sentiment_score":0.05371939390897751},{"text":"Fantastic.","start_word":189,"end_word":189,"sentiment":"positive","sentiment_score":0.41441410779953},{"text":"So I'm popping these documents through to your Outlook email. Will you better have a look onto them with me today, or do you want me to just kind of walk you through them and give you a bit of time to read over? No. I can see I can look in there.","start_word":190,"end_word":242,"sentiment":"neutral","sentiment_score":0.12080446630716324},{"text":"Awesome.","start_word":243,"end_word":243,"sentiment":"positive","sentiment_score":0.33968794345855713},{"text":"So that should come through under signature request from your updated statement of advice. And once you've Mhmm. got that open, there should be a whole bunch of, like, PDF attachments at the bottom and then obviously the digital authorization when you're comfortable. I didn't come through yet. K. And and double check mister b Smith sorry. Mister bmSmith@Outlook.com. Uh-huh. Alright. Let me just see if that's popping through. And you've received the emails from us before, haven't you, when you first came on board? I think you came through. Okay?","start_word":244,"end_word":334,"sentiment":"neutral","sentiment_score":0.04614875989628362},{"text":"Perfect. I'll give that another minute to come through.","start_word":335,"end_word":343,"sentiment":"positive","sentiment_score":0.40237942337989807},{"text":"You may go through your spam box or your main inbox, but I'll pop it through from my No. email I address got it now as well. from TriNet. Just there we go. Mate, down the bottom, there should be about six attachments, some of them product documents and appendix research, but really just looking for that statement of advice document with the old beachfront Gold Coast picture on it. Mhmm. And just let me know when you've got that one open. Yeah. It's typing. Cool. So the main thing with this one was just demanding the insurance strategy. I came up with a few ideas there, came up with a pretty good outcome, but there was a couple little things, bit of a trade off I wanted to discuss with you as well. So if Uh-huh. you wanna pop down about three or four pages, just checking the scope of advice there, if you Yep. can I'm see there. that heading. Yep. Yep. So that's just talking about that we've already kind of implemented the super advice, and we're just Yep. looking at the alternatives for the insurances. We have included, obviously, like, updated projections to show the impact of the premiums on your super. So it's in there as a limited scope. Mhmm. Cool. Now if you go down a little bit further, we've got your details entered in there, which that's all from when you came on board. I'm assuming there hasn't been any two major changes the last few months. No. Sensational. So if you pop down a little bit further, gonna pull up that section with you. We've got assets and liabilities, current. So far, obviously, we're not doing anything with the military trip at the moment. And if you just go to page 10, it's got your current ClearView policy on there. 318910. Yep. Yep. So your anniversary that you had with Clearview, it always indexes the cover up just a tiny bit. So you had a mil 40 and now it's a mil 65 of life and security insurance, and the income protection bumped up a tiny bit as well. But the the premiums jumped up to 3,900 out of super. Okay. So that's the main thing. The next page, you've got your trauma and child cover, which is $444 a year, 106 grams a year, 53 each for the kids, if that rings them up. Yeah. Now it looked like I might may have even been talked into that, man. So, you know, I know it's good to have, but, you know, I wasn't I I didn't particularly insist that I must have that.","start_word":344,"end_word":785,"sentiment":"neutral","sentiment_score":0.06316768737905974},{"text":"So if you've got different advice, I'm happy to hear it.","start_word":786,"end_word":796,"sentiment":"positive","sentiment_score":0.38534072041511536},{"text":"Yeah. Well, I've got it kind of split up a little bit, and I'm happy to take your preferences on this, but I've kind of given you the best best possible that I could. And then from there, we can kind of work back if we need to. So Yep. if you look at that table below it, it's just got an updated fee comparison. In that blue table just below that former policy, Mhmm. two thirds of the way through, it's got insurance premiums, and it will show you the three three, the two one, the one one Yep. because it's all after the 15% rebate. Okay. So the provider I found as an alternative to that Zurich that we attempted before was Neos, and they're still about a third off the price. Okay. Cool. K? Go down a little bit further. You got the projected balance, which it takes into account the growth on those saved premiums over five and ten years.","start_word":797,"end_word":960,"sentiment":"neutral","sentiment_score":0.16240206360816956},{"text":"It should save you about 6 to 20,000.","start_word":961,"end_word":968,"sentiment":"positive","sentiment_score":0.3458569347858429},{"text":"And then if you go down a bit further, we've got the policies Mhmm. themselves. So it should say strategy recommendations for Nios, policy one, and out of pocket policies. I've kind of given a bit of a breakdown for you. Yep. So the life and CPD, a mil 65, that just matches what you currently got. The income protection, that's based on that base income that we were talking about with a bit of super contributions over the top to get you up to the 8,200. Mhmm. So 7,000 a month comes out to you, 1,200 a month goes out to your super fund. Now if your income has gone up as a baseline, we can flip that around and get a little bit more coming out to you than going into the super if you have a preference for that, but this is just based on that old income that we had. Okay. Yeah. Well, that's still the same. That $1.44 is the the fixed the fixed amount. That's the salary. Yep. So that's still fixed. And then you mentioned, I think, you did a lot of overtime the last twelve months, and it's just really pushed things up for this financial year. That's right. Yeah. That's I don't think that'll that'll ever let me do that again. No. No. That's fair enough. So I'll just cover on the base. That's probably okay. One thing that I'll kind of just flip around with you, if it's okay, is if you're on one twenty and you got 70% of that, that's with 7,000 a month. So I've added the super contributions on top to get it Uh-huh. to 8,200, but we can bump it up however far you feel is appropriate. And especially, like, given whatever you actually need to live on as an income replacement. Okay. Righto. So what do I need to check there then? So the check at the moment is 7,000 a month coming out from you okay to live off if you're out of work for six months? Let me double check. I've got something here. Fixed costs. So my fixed costs, $4,326.74 a month, and the rest is just basically burned, rego and insurance annually. $4.05, 6, Mhmm. seven. Yeah. I guess that'd be that yeah. That'd that'd be covering everything, plus groceries, I suppose. Yep. Now bear in mind, it's all based on your, like, disclosed income for the previous twelve months. So whatever you insure for, you go to claim, you give them your twelve month income, and they calculate it based on Okay. Yeah. K. So you've got wiggle room to go up if you need to, but this is the safest amount. K. Any questions on that so far? That sound alright? Mhmm. Yeah. I know. I understand. And I might I'm I'm looking on a phone. So I believe that. I'll definitely give you some time on that. The second thing is just on the out of pocket stuff that we're just talking about, the trauma, let me break down what I've recommended and get your thoughts on. Yeah. Okay. So the 106,000 for you, that's heart attack, stroke, cancer. Now leave you policy you've got is standard trauma. So it does all the big stuff, heart attack, stroke, and cancer. Now you can get plus cover, which covers you for 30 or 40 additional illnesses. And Okay. that's anything from Crohn's disease, polycystic kidney disease, organ failure, partial smaller cancers, partial payments. If you lose an eye, hand, or foot, the list goes on. There's a huge table about it. But, basically, standard trauma policy covers you for the big five, heart attack, stroke, cancer, and so on. Fleetview covers you for about twelve to fifteen, and any plus policy with any provider covers you for all 32. Yep. Now the Neos policy, there was only a $5 difference between the standard and the plus. So I did recommend the plus because it was basically the same price. Yeah. Yeah. Well, $5 difference. You wanna get you go over the the plus for sure. Yeah. Usually, if it was, like, a 30% difference, I'd be definitely having a chat to you about it first, but Mhmm. $5 wasn't too much. Now the child trauma, 53,000 each for both the kids as well on top. And can you see there I know it's on your phone, but can you see it there's a little life insurance policy under where it says out Alright. Let me of find that. pocket policy. And it's on the same page on that page 13. Policy one is your super. Second half of the page is the out of pocket trauma side. Out of pocket policy. Yep. Yep. The very next line, I've linked up a 106,000 worth of life insurance to the trauma because it actually makes it cheaper overall, funnily Okay. enough. So what usually happens is if you've got life insurance and it can act as a big pool of cover, you can link your TPD, link your trauma cover to it.","start_word":969,"end_word":1820,"sentiment":"neutral","sentiment_score":0.059285559142751736},{"text":"It makes it more affordable.","start_word":1821,"end_word":1825,"sentiment":"positive","sentiment_score":0.381073534488678},{"text":"One of the little tricks is if you link life and trauma out of pocket, it's less than just having trauma by itself. Okay.","start_word":1826,"end_word":1849,"sentiment":"neutral","sentiment_score":0.19196099042892456},{"text":"So that's a good that's K. a good advice then.","start_word":1850,"end_word":1859,"sentiment":"positive","sentiment_score":0.4455052018165589},{"text":"Yeah. I would Yeah. never I'll do be there anything for different. you. Okay. Cool. Now the only problem with that out of pocket policy is that about $5.51 a year instead of $4.44 to keep it all with the same provider. Yep. Well, I like things simple like that. Yeah. So if you are comfortable with it, what would happen is because we've kept it as a yearly premium because that's less expensive than a monthly premium, is that would come out once the application's done. And then once we cancel the ClearView, you're gonna get a pro rata refund of what you already paid around Christmas time. Okay. That half Yeah. of it. Now if you want, I can make it monthly. So it's, like, $49 a month to spread it through the year. If you're happy to do the annual premium, it saves you about 10%. Yeah. No. Just just get it out of the way, man. Yep. Okay. Cool. Alright. So I know you mentioned before that you weren't exactly keen on the the trauma covers and things like that, but that kind of gives you a spread across all four, fully protected for anything that can happen to you. Mhmm. Do you kind of like what we've come up with? Do you wanna go ahead with that? Do you want me to amend anything? No. I don't need to necessarily amend anything, but I I I wanna spend, you know, I wanna spend at least a bit of time to to fully read and and digest it. But it's it's it makes sense. Right? You know, it's typical Yep. of what what you would wanna do with anyone, and it's just a matter of volumes of of cover really now, isn't it? Pretty much. Yeah. Yeah. No. That makes sense, man.","start_word":1860,"end_word":2165,"sentiment":"neutral","sentiment_score":0.0935774203389883},{"text":"Cool.","start_word":2166,"end_word":2166,"sentiment":"positive","sentiment_score":0.5756580829620361},{"text":"The only other thing is in the appendix, I've included that research just to show you that the the original Zurich policy kinda had the highest feature score, like, policy writing under the hood, Clearview, and they also pretty much the same feature score. It's just that pricing difference of saving a third on the super policy.","start_word":2167,"end_word":2223,"sentiment":"neutral","sentiment_score":0.2855384945869446},{"text":"Yeah. Cool. Cool.","start_word":2224,"end_word":2226,"sentiment":"positive","sentiment_score":0.5229636430740356},{"text":"Now this was a little bit of a mishmash because we had your original advice document. I've kind of amended it for the new insurances. So it's got all the context in there from when you came on board plus the additional discussion. Mhmm. If there's anything Yep. out of the ordinary, just let me know or bring you the details around the date, but Mhmm. that should pretty much cover it. Oh, yeah. Now to sort of help out a little bit too, you don't have a pen and paper handy, do you, or Oh, sorry. notes Yeah. Yeah. on your Yeah. Yeah. Hold on. so attached to that email is the Neos quote itself breaking down each of the covers for you, including the premiums for each subsection, And that's Yes. gonna give you a full breakdown so you can have a good close look at it. Yep. But what I want you to just write down is if you have a curious second and you wanna know what's going on with that, what that trauma pays out on, the Neos PDF, you don't have to read all 700 pages of it, but I'll just get you the actual page number with the table on there so you can have a read. It's only about one or two pages. Yep. So I'm just gonna bring it up here. Just bear with me. My old laptop's having a bit of a slow down because I got 50 things open. Uh-huh. Alright. So the former section for Neos, they call it critical illness. It's interchangeable. It starts on page 20. 20. Yep. Yep. Now it gives you just the basics on that front page. When you go down to pages twenty one, twenty two, it's got Yes. the tables of the conditions it covers. Conditions. Yep. Yep. So heart, nervous system, organs, blood, other conditions Cool. like blindness, loss of hearing, all that kind of thing. Then you've got on 23, it's got partial claims. 93. Partial. Yep. So this is the the thing where the plus kinda gives you if you have a smaller cancer or any a partial loss of hearing and things like that or sign, you can still Mhmm. get 25% paid out. Yep. And then the child covers on '26. Six child. Nice. Yeah. No. I think that is an important thing. Like, you know, you don't hope for the the worst, but you do prepare for it. But, yeah, cool. I'll read those pages. Yep. And my last little thing is just remember, life is if you pass away, TBD is permanent disability. Income protection is temporary. Yep. Trauma is you get diagnosed with something. May not put you out. You may even go back to work the next week, but it helps you with taking a bit of time off, looking after the kids. If you wanna go private to speed things up, we'll get better level of care or kind of thing. Yeah.","start_word":2227,"end_word":2727,"sentiment":"neutral","sentiment_score":0.03307410450596474},{"text":"Excellent. Cool.","start_word":2728,"end_word":2729,"sentiment":"positive","sentiment_score":0.5794979333877563},{"text":"Any questions for me before I let you go, sir? Oh, man. No. No. No. Like, this yeah. It's it's massive stuff.","start_word":2730,"end_word":2751,"sentiment":"neutral","sentiment_score":-0.05733468383550644},{"text":"It's good work that you've been doing, so I just need to digest it now.","start_word":2752,"end_word":2766,"sentiment":"positive","sentiment_score":0.5564917325973511},{"text":"Do you need a wet signature, or can I give you a a digital one? No. The digital is fine for that. So in that Odoo email I've sent you, there's a link to do it'll let you scroll through the whole document. Little purple buttons at the top will bring you to the signature section. Yep. Yep. When you stamp your signature on it, if you actually click on the signature, you can draw it if you prefer. Otherwise, it's just gonna stamp your name on there.","start_word":2767,"end_word":2854,"sentiment":"neutral","sentiment_score":0.08100450038909912},{"text":"The digital is fine for us and the Neil's quote.","start_word":2855,"end_word":2864,"sentiment":"positive","sentiment_score":0.3679153025150299},{"text":"And then the last thing that happens is we just book you in to go through the application, and you'll Yep. get the the final application out to you to sign.","start_word":2865,"end_word":2895,"sentiment":"neutral","sentiment_score":0.28310543298721313},{"text":"Cool.","start_word":2896,"end_word":2896,"sentiment":"positive","sentiment_score":0.3696917593479157},{"text":"Yep. Do you want me to give you a bit of time to obviously read over that, but do you want me to book a tentative appointment with the implementation team or just sort of follow you Oh, up next week? yeah. Now give me a buzz next week. Hold on. Let me check. Because I do have a couple of things on Tuesday, Wednesday, Thursday. So free most of the day, Monday. I am tied up Tuesday, Wednesday, Thursday, though. I'm doing some on stuff on-site, but I've got all day Friday apart from 10:00. Sensational. Any any I think we've time in there? got we've got heaps of availability on Monday, Arvo. I'm I'm on the thinking other. Yep. yeah. About one or 02:00 on Monday, Arvo. Well 02:00. Yep. 02:00. yep. Now if you've obviously gone through and you're happy and you've signed everything, Jack will pretty much just spend half an hour just doing the application with you and answering any questions you've got. If not, Yep. it will just be a bit of a follow-up conversation.","start_word":2897,"end_word":3077,"sentiment":"neutral","sentiment_score":0.11048030528080398},{"text":"Cool.","start_word":3078,"end_word":3078,"sentiment":"positive","sentiment_score":0.3947836756706238},{"text":"Okay.","start_word":3079,"end_word":3079,"sentiment":"neutral","sentiment_score":0.20920254290103912},{"text":"Alrighty. Two Nice.","start_word":3080,"end_word":3082,"sentiment":"positive","sentiment_score":0.4748051464557648},{"text":"o'clock your time next Monday, the eighteenth. Yes, please. Alrighty, mate. Anything else for me before I let you go? No, ma'am.","start_word":3083,"end_word":3104,"sentiment":"neutral","sentiment_score":0.18449613451957703},{"text":"I appreciate it.","start_word":3105,"end_word":3107,"sentiment":"positive","sentiment_score":0.4466454982757568},{"text":"I'll get up No there worries eventually. at all. No. That's fine. That's fine. Once the weather's a bit better, and just bear in mind that we're doing we're trying a little bit of work from home on Thursdays, Fridays with the fuel prices. Yeah. Yeah. Yeah. A little bit of a bonus from old Chevy and the directors there. But Monday, Tuesday, Wednesday, the team obviously will get you a coffee and I'm sorry I missed you last time too. That's alright, man. But but just, like, convenient for us is our work's been doing work from home since 2019. Oh, wow. Yeah. That's Full one of pre COVID, that's unheard of. time. Well, that was that's when COVID started. We were like, as soon as it happened, they just sent us out. Was it like It no. jumped Like, onto April it. 2020. Sorry. Yeah. Right. They just went straight onto it. Yeah. Go home and never come back, and we never did. They're not trying to get you back now, are they? Oh, god. No. They just they say we do whatever you want. Yep. Everyone's working hard enough. They're they're making enough. It's all good. Yeah. We don't wanna lose it. Right? Imagine if they told us you gotta come in now, and it's like, oh, okay. Well, the job's not that good anymore. Right? Yeah. It'd be an uprising. But, look, it's it worked well enough, and I'm surprised that organizations demanded a return to the office in most circumstances. You know? But I guess it's more because they are stuck in long term leases on commercial buildings. That's That's what I was gonna say. that's why. It's the property issue. Yeah. It's not the work. So but anyway, man, Yeah.","start_word":3108,"end_word":3403,"sentiment":"neutral","sentiment_score":-0.05169818166492355},{"text":"I appreciate you doing that for me. I'll read over it in the next couple of days, and talk to you next week.","start_word":3404,"end_word":3426,"sentiment":"positive","sentiment_score":0.48874980211257935},{"text":"I'll talk to Jack. No worries at all. Yep. Alright. 02:00 next week. Anything you need, just give me a buzz.","start_word":3427,"end_word":3447,"sentiment":"neutral","sentiment_score":0.2547685503959656},{"text":"Will do. Catch you. Thanks for having me. Bye.","start_word":3448,"end_word":3456,"sentiment":"positive","sentiment_score":0.5922681093215942}],"average":{"sentiment":"neutral","sentiment_score":0.08123048698416052}}}}