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So, otherwise, beautiful. What about you? Oh, good fun. Congratulations, mate. Congratulations. I I just had a daughter born three weeks ago as well, and she was up thank you. Up four times last night. So if I am exploring my words, please let me know, and I will repeat myself. Fantastic, mate. So I'm just gonna do a quick security check with you, and then I have all the notes on your account and a few ideas for you. So I'm just gonna start with your date of birth and address, please. Sensational. And I'm registered with Aptive as adviser 1273105. Are you okay for this call to be recorded? Fantastic. Now, mate, with all of the the good news and everything, I had a few notes here from Michelle who is basically just talking about your email just to get your portfolio updated in the super, but also you were looking at a bit of insurances as well, just a bit of a top up and a few things there. Is that right? Cool. Cool. So the good news is we pretty much have a plan built for you and a portfolio picked out. It's basically 90% finished, and I only had a couple of questions before I finish it off and send it through to you if that's alright. So just with a few changes that have happened since February, March with obviously, the markets and the world kind of exploding, we're kind of pivoting a little bit in our investments based on the last committee discussion that we had. And I've been talking with our investment committee for not only replacements for that Benelon option, but also a few other things that the government changed legislation on as well. So underneath the hood, something that not many people know is a few products out in the market are actually getting phased out. Things like bank hybrids, which just the government's basically banning, and all the fund managers have to kind of change their product. So I'm doing a few extra switch outs, not just for the Benelon option. I'm gonna switch about two or three options there for you. Now what I wanted to ask you was we were considering I was talking with Kyle, and we were considering possibly looking at a bit of a a active portfolio for you, which the the Benelon we're looking at a bit of a passive portfolio in investment style. Reason for that is the Benelon option is a it's an active fund. So you pay a bit more higher fees to try and get a higher return, and they just haven't been kind of keeping up with the pack the last six months and a little bit longer too. Now I do have some active options available that are much better, but I did wanna just ask you if you would be okay to consider a bit of a switch in the style and go for something a bit more lower fees. Yeah. Cool. So what it basically means is that with that active portion for the Australian shares, it'll go to more of a low fee ETF, which is a little bit more. I wouldn't call it safe because it's shares, but it's a little bit more follows the market. You're not worrying about the fund manager making a mistake and investing in the wrong company. So that'll probably reduce those investment fees for that portion by about 80%, and the returns I'm looking at are are just consistent double digits. One, three, five, ten years, it's looking really good. Now I'll finish that off. I've got a few things to slot into there, and I'll I'll get that sent through to you. But I just wanted to quickly touch base on the insurance side if that's okay. So I'm looking at the details that we sort of updated recently, and I think your income is sitting at a 180,000 at the moment. Still got a bit of that mortgage there. Now with the birth of your daughter and everything, I just wanted to ask you, are we just trying to focus on increasing your CBD disability cover to cover the mortgage, or are we also trying to get a bit of a buffer for things like lost income as well outside of income protection? Yep. Yes. Okay. Okay. Yep. Yep. Perfect. Perfect. So we've pretty much gotten responses back from most of the insurers. There's a couple that I'm looking at as well, and Ascend is usually pretty good for it. So I'm gonna kind of just analyze that and either increase with the current insurer or maybe even recommend somebody else if they're gonna give you a much better outcome. The question I had for the is on pricing because to ensure a 180,000 worth of income, it can get pretty hefty pretty quickly. So the way I kind of do a bit of a work back is say, okay. The standard is a thirty day waiting period and age 65 benefit. That's kinda like you're off for a month, income protection kicks in, and it lasts you until the time. That's the main thing for someone in your occupation because you've got a pretty good occupation rating from what I can see, mostly office space, degree qualified, so you've got a really good rating. Now if that ends up being four or five thousand dollars, I'm gonna kind of work it back a little bit. Now what we can do there is we can do other two things. We can kick out the waiting period to say, okay. You're okay to maybe wait sixty or ninety days if you have enough leave and cash savings there, or we can just reduce the benefit period from sixty five to, like, five years or two years. Do you have a leaning between the two? That's exactly what I was thinking. Yep. Yeah. Yeah. Okay. So I'll keep it at the thirty days, and I'll work my way back on the benefit period instead. So to that trauma insurance. Do you remember that one for the heart attack, stroke, and cancer? So the baseline that we usually do is around about 100,000 for, like, medical costs and time for your partner to kind of look after you if something serious was diagnosed, like a cancer or something like that. Obviously, you may not instantly be CBD from it, but they're serious enough that you kind of wanna, you know, go find the right specialist, spend a bit of time, and kind of deal with that for a few months. So in terms of pricing, how long is the piece of string on those ones? But at age, I think you're, what, 38 now? 39. So it'll start getting up there in your forties, and I just wanted to be guided by you in terms of out of pocket affordability. Do you want me to try and cap it at, like, $50 a month, a $100 a month? What would be a reasonable amount for you? Yep. This is the only one that has to be out of pocket. Yep. Yep. Now one thing that I can do is if we quote for a 100,000 and nobody is under 50 a month, I can either just not recommend it at all or I can just trim it down and say, let's go for 75, 50,000 or something like that. What would be your preference? Yep. Okay. Easy done. And one of the things I might even look at is there's a couple of insurers that offer complimentary child trauma inside the policy, and that would give similar benefits to the children. So if they get some serious diagnosis like a bacterial meningitis or glaucoma or just all those things that you don't expect, there's small amounts that can pop out for that as well. Yep. Yep. Yeah. No. That's awesome. I'll I'll make a bit of a recommendation and have a few variations that you could pick from. One of the things is, like, one of my boys, I've got three kids, and my second was born with, like, glaucoma. So my lifelong eye condition, you know, legally blind, that kind of thing. And it's one of those ones where if you can get $10 from an insurer up front, it means that you guys can go book in a hotel at the hospital, stay there for a couple of nights doing checks and surgeries and things like that. So it's it's little things like that that I might see might add in. Hey. That just kinda narrows down the providers for me. Awesome. So I've got a pretty good idea. I can finish everything off in terms of I'm just gonna clarify the insurance underwriting first before I pick somebody, and then I'm pretty well good to go. Do you have any questions for me at this point? Yeah. And just make it super easy for you. I'm pretty much gonna put all the recommendations into your advice document, and I'll put a box at the bottom where we can go through the document together, and you can write if you wanna vary the recommendations, go ahead with this, but not that. And then you can just kind of see what you're comfortable with. Cool. Now just to kind of get that finalized, like, I can obviously just shoot it off to you as soon as it's done, but I do wanna just take a few minutes to run through it with you. Is there a good day or time possibly towards the end of next week or the week after that I can kind of book in with you for a $15.20? Yep. Anytime, any day. Purity. So what I might do is just so it's in I know you can't really say a preference there, but morning or afternoon for you guys? Afternoon. Cool. Cool. So just to make sure I've got enough time for it, what I'll do is I'll book you in for just after lunchtime on the Thursday, and I will actually send you the documents ahead of time just so you've got it there to to either read through. You can take it if you're comfortable with everything, but if not, I'll just run through with you and make sure I've explained all the pros and cons before you go ahead with anything. Yep. Easy done. So I'll put in for about 12:00 on Thursday of the night. If there's anything else we need, I'll get the team to reach out to you, but I think we're pretty well good to go from all the previous information that we used in your last conversation. So I should be okay there as well. Awesome, Daniel. Mate, any other questions for me before I let you go? Fantastic. Right? Well, enjoy the baby bubble, and I shall talk to you in a fortnight. Thanks. Have a good one. 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It's Tommy here from Oakview, mate. How are you doing this phone Friday? Living the dream. I'm sun hasn't come out yet.\n\nIt's all freezing and raining. So, otherwise, beautiful. What about you? Oh, good fun. Congratulations, mate.\n\nCongratulations. I I just had a daughter born three weeks ago as well, and she was up thank you. Up four times last night. So if I am exploring my words, please let me know, and I will repeat myself. Fantastic, mate.\n\nSo I'm just gonna do a quick security check with you, and then I have all the notes on your account and a few ideas for you. So I'm just gonna start with your date of birth and address, please. Sensational. And I'm registered with Aptive as adviser 1273105. Are you okay for this call to be recorded?\n\nFantastic. Now, mate, with all of the the good news and everything, I had a few notes here from Michelle who is basically just talking about your email just to get your portfolio updated in the super, but also you were looking at a bit of insurances as well, just a bit of a top up and a few things there. Is that right? Cool. Cool.\n\nSo the good news is we pretty much have a plan built for you and a portfolio picked out. It's basically 90% finished, and I only had a couple of questions before I finish it off and send it through to you if that's alright. So just with a few changes that have happened since February, March with obviously, the markets and the world kind of exploding, we're kind of pivoting a little bit in our investments based on the last committee discussion that we had. And I've been talking with our investment committee for not only replacements for that Benelon option, but also a few other things that the government changed legislation on as well. So underneath the hood, something that not many people know is a few products out in the market are actually getting phased out.\n\nThings like bank hybrids, which just the government's basically banning, and all the fund managers have to kind of change their product. So I'm doing a few extra switch outs, not just for the Benelon option. I'm gonna switch about two or three options there for you. Now what I wanted to ask you was we were considering I was talking with Kyle, and we were considering possibly looking at a bit of a a active portfolio for you, which the the Benelon we're looking at a bit of a passive portfolio in investment style. Reason for that is the Benelon option is a it's an active fund.\n\nSo you pay a bit more higher fees to try and get a higher return, and they just haven't been kind of keeping up with the pack the last six months and a little bit longer too. Now I do have some active options available that are much better, but I did wanna just ask you if you would be okay to consider a bit of a switch in the style and go for something a bit more lower fees. Yeah. Cool. So what it basically means is that with that active portion for the Australian shares, it'll go to more of a low fee ETF, which is a little bit more.\n\nI wouldn't call it safe because it's shares, but it's a little bit more follows the market. You're not worrying about the fund manager making a mistake and investing in the wrong company. So that'll probably reduce those investment fees for that portion by about 80%, and the returns I'm looking at are are just consistent double digits. One, three, five, ten years, it's looking really good. Now I'll finish that off.\n\nI've got a few things to slot into there, and I'll I'll get that sent through to you. But I just wanted to quickly touch base on the insurance side if that's okay. So I'm looking at the details that we sort of updated recently, and I think your income is sitting at a 180,000 at the moment. Still got a bit of that mortgage there. Now with the birth of your daughter and everything, I just wanted to ask you, are we just trying to focus on increasing your CBD disability cover to cover the mortgage, or are we also trying to get a bit of a buffer for things like lost income as well outside of income protection?\n\nYep. Yes. Okay. Okay. Yep.\n\nYep. Perfect. Perfect. So we've pretty much gotten responses back from most of the insurers. There's a couple that I'm looking at as well, and Ascend is usually pretty good for it.\n\nSo I'm gonna kind of just analyze that and either increase with the current insurer or maybe even recommend somebody else if they're gonna give you a much better outcome. The question I had for the is on pricing because to ensure a 180,000 worth of income, it can get pretty hefty pretty quickly. So the way I kind of do a bit of a work back is say, okay. The standard is a thirty day waiting period and age 65 benefit. That's kinda like you're off for a month, income protection kicks in, and it lasts you until the time.\n\nThat's the main thing for someone in your occupation because you've got a pretty good occupation rating from what I can see, mostly office space, degree qualified, so you've got a really good rating. Now if that ends up being four or five thousand dollars, I'm gonna kind of work it back a little bit. Now what we can do there is we can do other two things. We can kick out the waiting period to say, okay. You're okay to maybe wait sixty or ninety days if you have enough leave and cash savings there, or we can just reduce the benefit period from sixty five to, like, five years or two years.\n\nDo you have a leaning between the two? That's exactly what I was thinking. Yep. Yeah. Yeah.\n\nOkay. So I'll keep it at the thirty days, and I'll work my way back on the benefit period instead. So to that trauma insurance. Do you remember that one for the heart attack, stroke, and cancer? So the baseline that we usually do is around about 100,000 for, like, medical costs and time for your partner to kind of look after you if something serious was diagnosed, like a cancer or something like that.\n\nObviously, you may not instantly be CBD from it, but they're serious enough that you kind of wanna, you know, go find the right specialist, spend a bit of time, and kind of deal with that for a few months. So in terms of pricing, how long is the piece of string on those ones? But at age, I think you're, what, 38 now? 39. So it'll start getting up there in your forties, and I just wanted to be guided by you in terms of out of pocket affordability.\n\nDo you want me to try and cap it at, like, $50 a month, a $100 a month? What would be a reasonable amount for you? Yep. This is the only one that has to be out of pocket. Yep.\n\nYep. Now one thing that I can do is if we quote for a 100,000 and nobody is under 50 a month, I can either just not recommend it at all or I can just trim it down and say, let's go for 75, 50,000 or something like that. What would be your preference? Yep. Okay.\n\nEasy done. And one of the things I might even look at is there's a couple of insurers that offer complimentary child trauma inside the policy, and that would give similar benefits to the children. So if they get some serious diagnosis like a bacterial meningitis or glaucoma or just all those things that you don't expect, there's small amounts that can pop out for that as well. Yep. Yep.\n\nYeah. No. That's awesome. I'll I'll make a bit of a recommendation and have a few variations that you could pick from. One of the things is, like, one of my boys, I've got three kids, and my second was born with, like, glaucoma.\n\nSo my lifelong eye condition, you know, legally blind, that kind of thing. And it's one of those ones where if you can get $10 from an insurer up front, it means that you guys can go book in a hotel at the hospital, stay there for a couple of nights doing checks and surgeries and things like that. So it's it's little things like that that I might see might add in. Hey. That just kinda narrows down the providers for me.\n\nAwesome. So I've got a pretty good idea. I can finish everything off in terms of I'm just gonna clarify the insurance underwriting first before I pick somebody, and then I'm pretty well good to go. Do you have any questions for me at this point? Yeah.\n\nAnd just make it super easy for you. I'm pretty much gonna put all the recommendations into your advice document, and I'll put a box at the bottom where we can go through the document together, and you can write if you wanna vary the recommendations, go ahead with this, but not that. And then you can just kind of see what you're comfortable with. Cool. Now just to kind of get that finalized, like, I can obviously just shoot it off to you as soon as it's done, but I do wanna just take a few minutes to run through it with you.\n\nIs there a good day or time possibly towards the end of next week or the week after that I can kind of book in with you for a $15.20? Yep. Anytime, any day. Purity. So what I might do is just so it's in I know you can't really say a preference there, but morning or afternoon for you guys?\n\nAfternoon. Cool. Cool. So just to make sure I've got enough time for it, what I'll do is I'll book you in for just after lunchtime on the Thursday, and I will actually send you the documents ahead of time just so you've got it there to to either read through. You can take it if you're comfortable with everything, but if not, I'll just run through with you and make sure I've explained all the pros and cons before you go ahead with anything.\n\nYep. Easy done. So I'll put in for about 12:00 on Thursday of the night. If there's anything else we need, I'll get the team to reach out to you, but I think we're pretty well good to go from all the previous information that we used in your last conversation. So I should be okay there as well.\n\nAwesome, Daniel. Mate, any other questions for me before I let you go? Fantastic. Right? Well, enjoy the baby bubble, and I shall talk to you in a fortnight.\n\nThanks. Have a good one. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Daniel.","start":2.96,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.31355248888333637},{"text":"It's Tommy here from Oakview, mate.","start":3.9199998,"end":5.52,"sentiment":"neutral","sentiment_score":0.16627307484547296},{"text":"How are you doing this phone Friday?","start":5.52,"end":7.22,"sentiment":"neutral","sentiment_score":0.2065330786364419},{"text":"Living the dream.","start":9.76,"end":10.96,"sentiment":"positive","sentiment_score":0.4799261689186096},{"text":"I'm sun hasn't come out yet.","start":10.96,"end":13.245,"sentiment":"neutral","sentiment_score":0.07288000732660294}],"sentiment":"neutral","sentiment_score":0.21044344067573548,"num_words":25,"start":2.96,"end":13.245},{"sentences":[{"text":"It's all freezing and raining.","start":13.245,"end":15.085,"sentiment":"neutral","sentiment_score":0.04069832302629948},{"text":"So, otherwise, beautiful.","start":15.085,"end":16.285,"sentiment":"positive","sentiment_score":0.3843309183915456},{"text":"What about you?","start":16.285,"end":17.185,"sentiment":"neutral","sentiment_score":0.14234203100204468},{"text":"Oh, good fun.","start":25.38,"end":26.42,"sentiment":"positive","sentiment_score":0.546892116467158},{"text":"Congratulations, mate.","start":26.42,"end":27.78,"sentiment":"positive","sentiment_score":0.6520676016807556}],"sentiment":"neutral","sentiment_score":0.29552012600470334,"num_words":16,"start":13.245,"end":27.78},{"sentences":[{"text":"Congratulations.","start":27.78,"end":28.28,"sentiment":"positive","sentiment_score":0.6476779580116272},{"text":"I I just had a daughter born three weeks ago as well, and she was up thank you.","start":30.74,"end":36.82,"sentiment":"neutral","sentiment_score":0.2393404021859169},{"text":"Up four times last night.","start":36.82,"end":38.18,"sentiment":"neutral","sentiment_score":0.07695240974426269},{"text":"So if I am exploring my words, please let me know, and I will repeat myself.","start":38.18,"end":42.605,"sentiment":"neutral","sentiment_score":0.0406703248154372},{"text":"Fantastic, mate.","start":49.864998,"end":50.824997,"sentiment":"positive","sentiment_score":0.6325833201408386}],"sentiment":"neutral","sentiment_score":0.1727728353192409,"num_words":42,"start":27.78,"end":50.824997},{"sentences":[{"text":"So I'm just gonna do a quick security check with you, and then I have all the notes on your account and a few ideas for you.","start":50.824997,"end":57.8,"sentiment":"neutral","sentiment_score":0.15600195444292492},{"text":"So I'm just gonna start with your date of birth and address, please.","start":58.02,"end":61.8,"sentiment":"neutral","sentiment_score":0.066392249499376},{"text":"Sensational.","start":70.405,"end":70.905,"sentiment":"neutral","sentiment_score":0.11089520901441574},{"text":"And I'm registered with Aptive as adviser 1273105.","start":71.045,"end":74.884995,"sentiment":"neutral","sentiment_score":0.04075988847762346},{"text":"Are you okay for this call to be recorded?","start":74.884995,"end":76.905,"sentiment":"neutral","sentiment_score":0.018981132552855544}],"sentiment":"neutral","sentiment_score":0.09798200902175801,"num_words":58,"start":50.824997,"end":76.905},{"sentences":[{"text":"Fantastic.","start":78.979996,"end":79.479996,"sentiment":"positive","sentiment_score":0.5674087405204773},{"text":"Now, mate, with all of the the good news and everything, I had a few notes here from Michelle who is basically just talking about your email just to get your portfolio updated in the super, but also you were looking at a bit of insurances as well, just a bit of a top up and a few things there.","start":79.939995,"end":98.485,"sentiment":"neutral","sentiment_score":0.17442138455808162},{"text":"Is that right?","start":98.485,"end":99.305,"sentiment":"neutral","sentiment_score":0.11566875874996185},{"text":"Cool.","start":101.604996,"end":102.085,"sentiment":"neutral","sentiment_score":0.3257054090499878},{"text":"Cool.","start":102.085,"end":102.325,"sentiment":"neutral","sentiment_score":0.04696442559361458}],"sentiment":"neutral","sentiment_score":0.1780661806802858,"num_words":66,"start":78.979996,"end":102.325},{"sentences":[{"text":"So the good news is we pretty much have a plan built for you and a portfolio picked out.","start":102.325,"end":108.11,"sentiment":"positive","sentiment_score":0.5163984345762354},{"text":"It's basically 90% finished, and I only had a couple of questions before I finish it off and send it through to you if that's alright.","start":108.11,"end":116.05,"sentiment":"positive","sentiment_score":0.39055802730413586},{"text":"So just with a few changes that have happened since February, March with obviously, the markets and the world kind of exploding, we're kind of pivoting a little bit in our investments based on the last committee discussion that we had.","start":117.87,"end":132.235,"sentiment":"neutral","sentiment_score":0.05126742228138738},{"text":"And I've been talking with our investment committee for not only replacements for that Benelon option, but also a few other things that the government changed legislation on as well.","start":132.235,"end":142.76001,"sentiment":"neutral","sentiment_score":0.003937204430500666},{"text":"So underneath the hood, something that not many people know is a few products out in the market are actually getting phased out.","start":144.74,"end":152.125,"sentiment":"neutral","sentiment_score":-0.06372592371443044}],"sentiment":"neutral","sentiment_score":0.1490680803444317,"num_words":139,"start":102.325,"end":152.125},{"sentences":[{"text":"Things like bank hybrids, which just the government's basically banning, and all the fund managers have to kind of change their product.","start":152.505,"end":160.045,"sentiment":"neutral","sentiment_score":-0.06648904339156368},{"text":"So I'm doing a few extra switch outs, not just for the Benelon option.","start":160.345,"end":164.95,"sentiment":"neutral","sentiment_score":0.029639835602470806},{"text":"I'm gonna switch about two or three options there for you.","start":164.95,"end":167.77,"sentiment":"neutral","sentiment_score":0.05696618760173971},{"text":"Now what I wanted to ask you was we were considering I was talking with Kyle, and we were considering possibly looking at a bit of a a active portfolio for you, which the the Benelon we're looking at a bit of a passive portfolio in investment style.","start":169.35,"end":186.205,"sentiment":"neutral","sentiment_score":0.016936643349860486},{"text":"Reason for that is the Benelon option is a it's an active fund.","start":188.58499,"end":193.08499,"sentiment":"neutral","sentiment_score":0.030461240989657547}],"sentiment":"neutral","sentiment_score":0.0072942761212794315,"num_words":108,"start":152.505,"end":193.08499},{"sentences":[{"text":"So you pay a bit more higher fees to try and get a higher return, and they just haven't been kind of keeping up with the pack the last six months and a little bit longer too.","start":193.26,"end":203.98,"sentiment":"neutral","sentiment_score":-0.027185988738327414},{"text":"Now I do have some active options available that are much better, but I did wanna just ask you if you would be okay to consider a bit of a switch in the style and go for something a bit more lower fees.","start":203.98,"end":214.60501,"sentiment":"neutral","sentiment_score":0.04230520276482715},{"text":"Yeah.","start":225.48001,"end":225.8,"sentiment":"positive","sentiment_score":0.3671399354934693},{"text":"Cool.","start":225.8,"end":226.04001,"sentiment":"positive","sentiment_score":0.4624089300632477},{"text":"So what it basically means is that with that active portion for the Australian shares, it'll go to more of a low fee ETF, which is a little bit more.","start":226.04001,"end":234.38,"sentiment":"neutral","sentiment_score":0.19044396728277208}],"sentiment":"neutral","sentiment_score":0.0656795537465119,"num_words":112,"start":193.26,"end":234.38},{"sentences":[{"text":"I wouldn't call it safe because it's shares, but it's a little bit more follows the market.","start":234.845,"end":239.885,"sentiment":"neutral","sentiment_score":0.07814308716093793},{"text":"You're not worrying about the fund manager making a mistake and investing in the wrong company.","start":239.885,"end":244.625,"sentiment":"neutral","sentiment_score":-0.04586986964568496},{"text":"So that'll probably reduce those investment fees for that portion by about 80%, and the returns I'm looking at are are just consistent double digits.","start":248.62,"end":256.88,"sentiment":"positive","sentiment_score":0.4131258249282837},{"text":"One, three, five, ten years, it's looking really good.","start":257.18,"end":260.0,"sentiment":"positive","sentiment_score":0.5674550665749444},{"text":"Now I'll finish that off.","start":262.085,"end":263.685,"sentiment":"neutral","sentiment_score":0.22797295153141023}],"sentiment":"neutral","sentiment_score":0.23846695204782817,"num_words":72,"start":234.845,"end":263.685},{"sentences":[{"text":"I've got a few things to slot into there, and I'll I'll get that sent through to you.","start":263.685,"end":267.60498,"sentiment":"neutral","sentiment_score":0.21039258688688278},{"text":"But I just wanted to quickly touch base on the insurance side if that's okay.","start":267.60498,"end":271.54498,"sentiment":"neutral","sentiment_score":0.10901293208201726},{"text":"So I'm looking at the details that we sort of updated recently, and I think your income is sitting at a 180,000 at the moment.","start":274.1,"end":282.68,"sentiment":"neutral","sentiment_score":0.052953667491674426},{"text":"Still got a bit of that mortgage there.","start":283.54,"end":286.2,"sentiment":"neutral","sentiment_score":-0.014186032814905047},{"text":"Now with the birth of your daughter and everything, I just wanted to ask you, are we just trying to focus on increasing your CBD disability cover to cover the mortgage, or are we also trying to get a bit of a buffer for things like lost income as well outside of income protection?","start":287.855,"end":303.74002,"sentiment":"neutral","sentiment_score":0.056401387339940774}],"sentiment":"neutral","sentiment_score":0.08065240738602976,"num_words":120,"start":263.685,"end":303.74002},{"sentences":[{"text":"Yep.","start":309.48,"end":309.98,"sentiment":"neutral","sentiment_score":0.10352226346731186},{"text":"Yes.","start":313.24002,"end":313.74002,"sentiment":"neutral","sentiment_score":0.09620848298072816},{"text":"Okay.","start":316.85498,"end":317.35498,"sentiment":"neutral","sentiment_score":0.18475112318992615},{"text":"Okay.","start":322.695,"end":323.195,"sentiment":"neutral","sentiment_score":0.04829540103673935},{"text":"Yep.","start":333.83002,"end":334.33002,"sentiment":"neutral","sentiment_score":-0.121445894241333}],"sentiment":"neutral","sentiment_score":0.0622662752866745,"num_words":5,"start":309.48,"end":334.33002},{"sentences":[{"text":"Yep.","start":357.7,"end":358.2,"sentiment":"neutral","sentiment_score":-0.07175280898809433},{"text":"Perfect.","start":359.46002,"end":359.94,"sentiment":"positive","sentiment_score":0.5236506462097168},{"text":"Perfect.","start":359.94,"end":360.42,"sentiment":"positive","sentiment_score":0.6073228120803833},{"text":"So we've pretty much gotten responses back from most of the insurers.","start":360.42,"end":363.78,"sentiment":"positive","sentiment_score":0.4403379112482071},{"text":"There's a couple that I'm looking at as well, and Ascend is usually pretty good for it.","start":363.78,"end":368.245,"sentiment":"positive","sentiment_score":0.5171427902053384}],"sentiment":"positive","sentiment_score":0.4729594693053514,"num_words":32,"start":357.7,"end":368.245},{"sentences":[{"text":"So I'm gonna kind of just analyze that and either increase with the current insurer or maybe even recommend somebody else if they're gonna give you a much better outcome.","start":368.245,"end":377.865,"sentiment":"neutral","sentiment_score":0.08126557543873787},{"text":"The question I had for the is on pricing because to ensure a 180,000 worth of income, it can get pretty hefty pretty quickly.","start":380.04,"end":392.3,"sentiment":"neutral","sentiment_score":0.007488826988264918},{"text":"So the way I kind of do a bit of a work back is say, okay.","start":393.755,"end":397.11502,"sentiment":"neutral","sentiment_score":0.03763173799961805},{"text":"The standard is a thirty day waiting period and age 65 benefit.","start":397.11502,"end":402.715,"sentiment":"neutral","sentiment_score":0.039315301148841776},{"text":"That's kinda like you're off for a month, income protection kicks in, and it lasts you until the time.","start":402.715,"end":408.09,"sentiment":"neutral","sentiment_score":0.04978574655557934}],"sentiment":"neutral","sentiment_score":0.04591603680412368,"num_words":101,"start":368.245,"end":408.09},{"sentences":[{"text":"That's the main thing for someone in your occupation because you've got a pretty good occupation rating from what I can see, mostly office space, degree qualified, so you've got a really good rating.","start":408.09,"end":420.375,"sentiment":"neutral","sentiment_score":0.2190966233611107},{"text":"Now if that ends up being four or five thousand dollars, I'm gonna kind of work it back a little bit.","start":421.875,"end":428.695,"sentiment":"neutral","sentiment_score":0.06164660229391995},{"text":"Now what we can do there is we can do other two things.","start":430.61002,"end":433.83002,"sentiment":"neutral","sentiment_score":0.09285402555878346},{"text":"We can kick out the waiting period to say, okay.","start":433.89,"end":436.95,"sentiment":"neutral","sentiment_score":-0.03977546319365501},{"text":"You're okay to maybe wait sixty or ninety days if you have enough leave and cash savings there, or we can just reduce the benefit period from sixty five to, like, five years or two years.","start":437.17,"end":449.315,"sentiment":"neutral","sentiment_score":0.017725154796304803}],"sentiment":"neutral","sentiment_score":0.08939751855653237,"num_words":114,"start":408.09,"end":449.315},{"sentences":[{"text":"Do you have a leaning between the two?","start":449.935,"end":451.955,"sentiment":"neutral","sentiment_score":-0.021719756769016385},{"text":"That's exactly what I was thinking.","start":471.17502,"end":472.795,"sentiment":"neutral","sentiment_score":-0.0036240764117489257},{"text":"Yep.","start":476.77502,"end":477.27502,"sentiment":"neutral","sentiment_score":-0.03434235602617264},{"text":"Yeah.","start":490.94998,"end":491.44998,"sentiment":"neutral","sentiment_score":-0.04287946969270706},{"text":"Yeah.","start":491.66998,"end":491.83,"sentiment":"neutral","sentiment_score":-0.00945642590522766}],"sentiment":"neutral","sentiment_score":-0.01659886848510188,"num_words":17,"start":449.935,"end":491.83},{"sentences":[{"text":"Okay.","start":491.83,"end":492.15,"sentiment":"neutral","sentiment_score":0.04866532608866691},{"text":"So I'll keep it at the thirty days, and I'll work my way back on the benefit period instead.","start":492.15,"end":498.255,"sentiment":"neutral","sentiment_score":0.11783009493037273},{"text":"So to that trauma insurance.","start":499.615,"end":506.475,"sentiment":"neutral","sentiment_score":0.06848582550883293},{"text":"Do you remember that one for the heart attack, stroke, and cancer?","start":506.475,"end":509.215,"sentiment":"neutral","sentiment_score":-0.03974890864143769},{"text":"So the baseline that we usually do is around about 100,000 for, like, medical costs and time for your partner to kind of look after you if something serious was diagnosed, like a cancer or something like that.","start":514.98,"end":526.755,"sentiment":"neutral","sentiment_score":-0.015199205200923117}],"sentiment":"neutral","sentiment_score":0.021004127413034437,"num_words":75,"start":491.83,"end":526.755},{"sentences":[{"text":"Obviously, you may not instantly be CBD from it, but they're serious enough that you kind of wanna, you know, go find the right specialist, spend a bit of time, and kind of deal with that for a few months.","start":528.015,"end":539.87,"sentiment":"neutral","sentiment_score":-0.02141291560837999},{"text":"So in terms of pricing, how long is the piece of string on those ones?","start":541.44995,"end":546.32996,"sentiment":"neutral","sentiment_score":-0.01994471587240696},{"text":"But at age, I think you're, what, 38 now?","start":546.32996,"end":551.23,"sentiment":"neutral","sentiment_score":-0.048663835558626384},{"text":"39.","start":553.115,"end":554.01495,"sentiment":"neutral","sentiment_score":-0.03210313245654106},{"text":"So it'll start getting up there in your forties, and I just wanted to be guided by you in terms of out of pocket affordability.","start":554.39496,"end":561.295,"sentiment":"neutral","sentiment_score":0.28037368893623354}],"sentiment":"neutral","sentiment_score":0.05981752453889284,"num_words":90,"start":528.015,"end":561.295},{"sentences":[{"text":"Do you want me to try and cap it at, like, $50 a month, a $100 a month?","start":562.555,"end":566.67,"sentiment":"neutral","sentiment_score":0.03492874517622921},{"text":"What would be a reasonable amount for you?","start":566.67,"end":569.08997,"sentiment":"neutral","sentiment_score":0.032359367003664374},{"text":"Yep.","start":577.725,"end":578.225,"sentiment":"neutral","sentiment_score":-0.02256317436695099},{"text":"This is the only one that has to be out of pocket.","start":583.565,"end":586.065,"sentiment":"neutral","sentiment_score":-0.17371797809998193},{"text":"Yep.","start":600.98,"end":601.45996,"sentiment":"neutral","sentiment_score":0.10558968782424928}],"sentiment":"neutral","sentiment_score":-0.027849921863526104,"num_words":40,"start":562.555,"end":601.45996},{"sentences":[{"text":"Yep.","start":601.45996,"end":601.95996,"sentiment":"neutral","sentiment_score":0.08790578693151474},{"text":"Now one thing that I can do is if we quote for a 100,000 and nobody is under 50 a month, I can either just not recommend it at all or I can just trim it down and say, let's go for 75, 50,000 or something like that.","start":602.01996,"end":616.59503,"sentiment":"neutral","sentiment_score":-0.05234394574411757},{"text":"What would be your preference?","start":616.59503,"end":617.73505,"sentiment":"neutral","sentiment_score":0.019783998653292657},{"text":"Yep.","start":626.57,"end":626.97003,"sentiment":"neutral","sentiment_score":0.06315261125564575},{"text":"Okay.","start":626.97003,"end":627.47003,"sentiment":"neutral","sentiment_score":0.16471558809280396}],"sentiment":"neutral","sentiment_score":-0.037460989574485994,"num_words":56,"start":601.45996,"end":627.47003},{"sentences":[{"text":"Easy done.","start":627.61005,"end":628.43,"sentiment":"neutral","sentiment_score":0.2805407643318176},{"text":"And one of the things I might even look at is there's a couple of insurers that offer complimentary child trauma inside the policy, and that would give similar benefits to the children.","start":628.65,"end":641.05505,"sentiment":"neutral","sentiment_score":0.15394915685509192},{"text":"So if they get some serious diagnosis like a bacterial meningitis or glaucoma or just all those things that you don't expect, there's small amounts that can pop out for that as well.","start":641.515,"end":653.35,"sentiment":"neutral","sentiment_score":0.04520965776773113},{"text":"Yep.","start":655.97003,"end":656.47003,"sentiment":"neutral","sentiment_score":0.21503794193267825},{"text":"Yep.","start":666.125,"end":666.625,"sentiment":"neutral","sentiment_score":0.02814866602420807}],"sentiment":"neutral","sentiment_score":0.10537870027390973,"num_words":70,"start":627.61005,"end":666.625},{"sentences":[{"text":"Yeah.","start":669.485,"end":669.805,"sentiment":"neutral","sentiment_score":0.0694505050778389},{"text":"No.","start":669.805,"end":670.045,"sentiment":"neutral","sentiment_score":0.2118428349494934},{"text":"That's awesome.","start":670.045,"end":670.605,"sentiment":"positive","sentiment_score":0.661825954914093},{"text":"I'll I'll make a bit of a recommendation and have a few variations that you could pick from.","start":670.605,"end":674.865,"sentiment":"positive","sentiment_score":0.3773769670062595},{"text":"One of the things is, like, one of my boys, I've got three kids, and my second was born with, like, glaucoma.","start":675.62994,"end":681.81,"sentiment":"neutral","sentiment_score":0.10317607359452681}],"sentiment":"neutral","sentiment_score":0.24244555170563134,"num_words":44,"start":669.485,"end":681.81},{"sentences":[{"text":"So my lifelong eye condition, you know, legally blind, that kind of thing.","start":682.11,"end":687.97,"sentiment":"neutral","sentiment_score":0.057126786559820175},{"text":"And it's one of those ones where if you can get $10 from an insurer up front, it means that you guys can go book in a hotel at the hospital, stay there for a couple of nights doing checks and surgeries and things like that.","start":688.265,"end":700.68,"sentiment":"neutral","sentiment_score":0.11378046003696711},{"text":"So it's it's little things like that that I might see might add in.","start":700.83997,"end":704.38,"sentiment":"neutral","sentiment_score":0.05339265055954456},{"text":"Hey.","start":713.75494,"end":713.915,"sentiment":"neutral","sentiment_score":0.12987707555294037},{"text":"That just kinda narrows down the providers for me.","start":713.915,"end":716.735,"sentiment":"neutral","sentiment_score":0.1247820829351743}],"sentiment":"neutral","sentiment_score":0.09610797972025642,"num_words":83,"start":682.11,"end":716.735},{"sentences":[{"text":"Awesome.","start":717.83496,"end":718.33496,"sentiment":"positive","sentiment_score":0.5545653104782104},{"text":"So I've got a pretty good idea.","start":718.39496,"end":719.675,"sentiment":"positive","sentiment_score":0.5292085494313922},{"text":"I can finish everything off in terms of I'm just gonna clarify the insurance underwriting first before I pick somebody, and then I'm pretty well good to go.","start":719.675,"end":728.97003,"sentiment":"neutral","sentiment_score":0.32700242368238314},{"text":"Do you have any questions for me at this point?","start":729.19,"end":731.53,"sentiment":"neutral","sentiment_score":0.07510485909879208},{"text":"Yeah.","start":743.565,"end":744.04504,"sentiment":"neutral","sentiment_score":0.24702486395835876}],"sentiment":"neutral","sentiment_score":0.3066631164798077,"num_words":47,"start":717.83496,"end":744.04504},{"sentences":[{"text":"And just make it super easy for you.","start":744.04504,"end":745.645,"sentiment":"positive","sentiment_score":0.41558466851711273},{"text":"I'm pretty much gonna put all the recommendations into your advice document, and I'll put a box at the bottom where we can go through the document together, and you can write if you wanna vary the recommendations, go ahead with this, but not that.","start":745.645,"end":758.12,"sentiment":"neutral","sentiment_score":0.1987537306216028},{"text":"And then you can just kind of see what you're comfortable with.","start":758.12,"end":761.1,"sentiment":"neutral","sentiment_score":0.15456447812418142},{"text":"Cool.","start":764.515,"end":764.835,"sentiment":"positive","sentiment_score":0.6424148082733154},{"text":"Now just to kind of get that finalized, like, I can obviously just shoot it off to you as soon as it's done, but I do wanna just take a few minutes to run through it with you.","start":764.835,"end":772.855,"sentiment":"neutral","sentiment_score":0.2498703987190598}],"sentiment":"neutral","sentiment_score":0.233277489646123,"num_words":104,"start":744.04504,"end":772.855},{"sentences":[{"text":"Is there a good day or time possibly towards the end of next week or the week after that I can kind of book in with you for a $15.20?","start":772.995,"end":782.61,"sentiment":"neutral","sentiment_score":0.12640531448026499},{"text":"Yep.","start":787.23,"end":787.73,"sentiment":"neutral","sentiment_score":0.06398450583219528},{"text":"Anytime, any day.","start":799.405,"end":800.60504,"sentiment":"neutral","sentiment_score":0.12892870853344598},{"text":"Purity.","start":800.60504,"end":801.085,"sentiment":"neutral","sentiment_score":0.1372576653957367},{"text":"So what I might do is just so it's in I know you can't really say a preference there, but morning or afternoon for you guys?","start":801.085,"end":809.17,"sentiment":"neutral","sentiment_score":0.06596010235639718}],"sentiment":"neutral","sentiment_score":0.09992049823774667,"num_words":61,"start":772.995,"end":809.17},{"sentences":[{"text":"Afternoon.","start":812.11,"end":812.61,"sentiment":"neutral","sentiment_score":0.04815230891108513},{"text":"Cool.","start":812.99,"end":813.31,"sentiment":"neutral","sentiment_score":0.24083320796489716},{"text":"Cool.","start":813.31,"end":813.70996,"sentiment":"neutral","sentiment_score":0.21056243777275083},{"text":"So just to make sure I've got enough time for it, what I'll do is I'll book you in for just after lunchtime on the Thursday, and I will actually send you the documents ahead of time just so you've got it there to to either read through.","start":813.70996,"end":829.02496,"sentiment":"neutral","sentiment_score":0.09377077819469075},{"text":"You can take it if you're comfortable with everything, but if not, I'll just run through with you and make sure I've explained all the pros and cons before you go ahead with anything.","start":830.67,"end":838.37,"sentiment":"neutral","sentiment_score":0.10154696575859014}],"sentiment":"neutral","sentiment_score":0.09944873110336416,"num_words":85,"start":812.11,"end":838.37},{"sentences":[{"text":"Yep.","start":842.73505,"end":843.05505,"sentiment":"neutral","sentiment_score":0.10577812045812608},{"text":"Easy done.","start":843.05505,"end":843.695,"sentiment":"neutral","sentiment_score":0.20797118544578552},{"text":"So I'll put in for about 12:00 on Thursday of the night.","start":843.695,"end":846.835,"sentiment":"neutral","sentiment_score":0.10677489017446835},{"text":"If there's anything else we need, I'll get the team to reach out to you, but I think we're pretty well good to go from all the previous information that we used in your last conversation.","start":847.375,"end":856.67505,"sentiment":"neutral","sentiment_score":0.208270613104105},{"text":"So I should be okay there as well.","start":857.45,"end":860.19,"sentiment":"neutral","sentiment_score":0.18543493933975697}],"sentiment":"neutral","sentiment_score":0.18278374169337547,"num_words":59,"start":842.73505,"end":860.19},{"sentences":[{"text":"Awesome, Daniel.","start":863.05,"end":863.69,"sentiment":"positive","sentiment_score":0.5129682719707489},{"text":"Mate, any other questions for me before I let you go?","start":863.69,"end":865.95,"sentiment":"neutral","sentiment_score":0.2851069610227238},{"text":"Fantastic.","start":869.75494,"end":870.15497,"sentiment":"positive","sentiment_score":0.5920836925506592},{"text":"Right?","start":870.15497,"end":870.475,"sentiment":"neutral","sentiment_score":0.18728990852832791},{"text":"Well, enjoy the baby bubble, and I shall talk to you in a fortnight.","start":870.475,"end":874.89496,"sentiment":"positive","sentiment_score":0.3732259177735874}],"sentiment":"positive","sentiment_score":0.35057412293450585,"num_words":29,"start":863.05,"end":874.89496},{"sentences":[{"text":"Thanks.","start":877.51495,"end":877.915,"sentiment":"positive","sentiment_score":0.8348196744918823},{"text":"Have a good one.","start":877.915,"end":878.63495,"sentiment":"positive","sentiment_score":0.7393778264522552},{"text":"Bye.","start":878.63495,"end":879.13495,"sentiment":"positive","sentiment_score":0.3927949070930481}],"sentiment":"positive","sentiment_score":0.6975209812323252,"num_words":6,"start":877.51495,"end":879.13495}]}}]},{"alternatives":[{"transcript":"Hello. It's Daniel. Yeah. Good, Tommy. How are you? Yeah. That's the same. I've got two young kids, so I've been up since for a little while now. You know, doing the usual thing. So yeah. Dream as well. Thank you. Oh, congratulations. Hey. Don't worry about it. My daughter's five weeks old, and, yeah, I think we'll make about as much sense as each other. So that's all fine. Yep. Great. Sure. Date of birth is the 03/08/1987, and my address is 20 Phillips Street in Coburg, Victoria. Yep. Yes. That's fine. Yep. Yeah. That's correct. Great. Yeah. Sure. Yeah. Mhmm. Yeah. Exactly. Okay. So what was that? Okay. Mhmm. Yep. Yeah. Look. I'm I'm up for up for that. Yeah. If if it works out better. Yeah. No. I'm up up to switching to a passive style. Mhmm. Yeah. Of course. Yep. Yep. No. That makes sense. That's fair. Mhmm. Yep. Mhmm. Yeah. Sure. Mhmm. Yep. The the key thing is to bring the TPD up to the same level of life. So I think life life's sitting at about a million or 1.2. And the purpose behind that was to cancel the mortgage if anything happened to me. So, ideally, to bring PPD up to the same would be good. The reasoning that it didn't get increased last time was because I had a bit of a health issue when we went about redoing the insurances probably, like, three years ago and getting it increased. However, they did say to me at the time, they said, oh, look, because it's a kind of a temporary issue, if you can you know, if your health stays good for, I think, it was two years, then that that restriction would no longer be on it. So, yeah, it was just kind of looking to see if we can increase it or if we need to wait a bit longer. Okay. Mhmm. Yeah. Sure. Yep. Hey. It's Philip. Yeah. Mhmm. Yep. Mhmm. Yeah. Mhmm. Yep. Yeah. Okay. Probably look to decrease the benefit period. Like, if in the event that something does happen and I do need to dive into it, probably after about two or five years, I'll probably look to go to TPD and claim on TPD anyway. Yeah. So that's probably the way I'm leaning there. And, I mean, my my issue is I've just changed jobs. So in terms of leave, I don't have a lot of leave. I've got none. And, obviously, it takes a lot of build it up. So, yeah, blowing out that wait period might be problematic. Yeah. Yeah. That'll be good. Yes. I do remember talking to the talking to someone about that. Yep. Yep. Yep. Yeah. 39. Yeah. Yep. What in terms of forwarding it? I'm not yeah. In all honesty, not too sure. Is this something that can come out of super, or is it something that has to be paid outside of it? Yeah. Okay. Per yeah. Look. If you can cap it at 50 a month, yeah, that's probably, yeah, pretty reasonable. Yep. Yep. Yeah. If no one's willing to offer at that price, yeah, look just look to trim down the amount. Yeah. Okay. Yep. Yeah. Mhmm. Yeah. That's great. I mean, if if we you know, if if the number comes in, you know, it's $60 a month or, you know, something like that to keep it at a 100 gig, then that's that's fine. We can go up to that as well. Yeah. I just don't know what what sort of combination looks like. Yep. Yeah. Right. Yeah. Yeah. Yeah. It'll fit. And there are things that, yeah, we'd we'd hope. Yeah. We'd look for. Yeah. Yeah. Yeah. No. That's that's a good point. Yep. Mhmm. Yep. No. No. Not at this point. Yeah. I assume you just send me a proposal on on what you've kind of tell and what you've picked, and, yeah, we'll just make a selection from there. Yep. Yeah. Sure. No. That that sounds good. Yep. Maybe the week after. Yeah. Just because I'm yeah. Yeah. It it tied down next week. Yeah. If we can go the week after, yeah, really, any any time, any day should be fine. Probably afternoon. Mhmm. Yeah. Yep. Yeah. Yeah. Let's I'll I won't take anything until we have a consultation. Yep. Mhmm. Yeah. Great. No. That sounds good. 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It's Daniel. Yeah. Good, Tommy. How are you?\n\nYeah. That's the same. I've got two young kids, so I've been up since for a little while now. You know, doing the usual thing. So yeah.\n\nDream as well. Thank you. Oh, congratulations. Hey. Don't worry about it.\n\nMy daughter's five weeks old, and, yeah, I think we'll make about as much sense as each other. So that's all fine. Yep. Great. Sure.\n\nDate of birth is the 03/08/1987, and my address is 20 Phillips Street in Coburg, Victoria. Yep. Yes. That's fine. Yep.\n\nYeah. That's correct. Great. Yeah. Sure.\n\nYeah. Mhmm. Yeah. Exactly. Okay.\n\nSo what was that? Okay. Mhmm. Yep. Yeah.\n\nLook. I'm I'm up for up for that. Yeah. If if it works out better. Yeah.\n\nNo. I'm up up to switching to a passive style. Mhmm. Yeah. Of course.\n\nYep. Yep. No. That makes sense. That's fair.\n\nMhmm. Yep. Mhmm. Yeah. Sure.\n\nMhmm. Yep. The the key thing is to bring the TPD up to the same level of life. So I think life life's sitting at about a million or 1.2. And the purpose behind that was to cancel the mortgage if anything happened to me.\n\nSo, ideally, to bring PPD up to the same would be good. The reasoning that it didn't get increased last time was because I had a bit of a health issue when we went about redoing the insurances probably, like, three years ago and getting it increased. However, they did say to me at the time, they said, oh, look, because it's a kind of a temporary issue, if you can you know, if your health stays good for, I think, it was two years, then that that restriction would no longer be on it. So, yeah, it was just kind of looking to see if we can increase it or if we need to wait a bit longer. Okay.\n\nMhmm. Yeah. Sure. Yep. Hey.\n\nIt's Philip. Yeah. Mhmm. Yep. Mhmm.\n\nYeah. Mhmm. Yep. Yeah. Okay.\n\nProbably look to decrease the benefit period. Like, if in the event that something does happen and I do need to dive into it, probably after about two or five years, I'll probably look to go to TPD and claim on TPD anyway. Yeah. So that's probably the way I'm leaning there. And, I mean, my my issue is I've just changed jobs.\n\nSo in terms of leave, I don't have a lot of leave. I've got none. And, obviously, it takes a lot of build it up. So, yeah, blowing out that wait period might be problematic. Yeah.\n\nYeah. That'll be good. Yes. I do remember talking to the talking to someone about that. Yep.\n\nYep. Yep. Yeah. 39. Yeah.\n\nYep. What in terms of forwarding it? I'm not yeah. In all honesty, not too sure. Is this something that can come out of super, or is it something that has to be paid outside of it?\n\nYeah. Okay. Per yeah. Look. If you can cap it at 50 a month, yeah, that's probably, yeah, pretty reasonable.\n\nYep. Yep. Yeah. If no one's willing to offer at that price, yeah, look just look to trim down the amount. Yeah.\n\nOkay. Yep. Yeah. Mhmm. Yeah.\n\nThat's great. I mean, if if we you know, if if the number comes in, you know, it's $60 a month or, you know, something like that to keep it at a 100 gig, then that's that's fine. We can go up to that as well. Yeah. I just don't know what what sort of combination looks like.\n\nYep. Yeah. Right. Yeah. Yeah.\n\nYeah. It'll fit. And there are things that, yeah, we'd we'd hope. Yeah. We'd look for.\n\nYeah. Yeah. Yeah. No. That's that's a good point.\n\nYep. Mhmm. Yep. No. No.\n\nNot at this point. Yeah. I assume you just send me a proposal on on what you've kind of tell and what you've picked, and, yeah, we'll just make a selection from there. Yep. Yeah.\n\nSure. No. That that sounds good. Yep. Maybe the week after.\n\nYeah. Just because I'm yeah. Yeah. It it tied down next week. Yeah.\n\nIf we can go the week after, yeah, really, any any time, any day should be fine. Probably afternoon. Mhmm. Yeah. Yep.\n\nYeah. Yeah. Let's I'll I won't take anything until we have a consultation. Yep. Mhmm.\n\nYeah. Great. No. That sounds good. No.\n\nI think I'm I'm all good. No worries. No worries. Thanks very much, Tommy. No worries.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.12,"sentiment":"neutral","sentiment_score":0.041721560060977936},{"text":"It's Daniel.","start":1.12,"end":1.86,"sentiment":"neutral","sentiment_score":0.039442649111151695},{"text":"Yeah.","start":7.52,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.18953043222427368},{"text":"Good, Tommy.","start":7.9199996,"end":8.639999,"sentiment":"positive","sentiment_score":0.4010462313890457},{"text":"How are you?","start":8.639999,"end":9.38,"sentiment":"positive","sentiment_score":0.3405567804972331}],"sentiment":"neutral","sentiment_score":0.2371000105308162,"num_words":9,"start":0.88,"end":9.38},{"sentences":[{"text":"Yeah.","start":17.855,"end":18.095,"sentiment":"neutral","sentiment_score":0.09144685417413712},{"text":"That's the same.","start":18.095,"end":18.735,"sentiment":"neutral","sentiment_score":0.10230482618014018},{"text":"I've got two young kids, so I've been up since for a little while 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there.","start":736.235,"end":743.08997,"sentiment":"neutral","sentiment_score":0.053977855880345614},{"text":"Yep.","start":753.87,"end":754.305,"sentiment":"neutral","sentiment_score":0.1965806484222412},{"text":"Yeah.","start":761.505,"end":761.745,"sentiment":"neutral","sentiment_score":0.07390469312667847}],"sentiment":"neutral","sentiment_score":0.03721340766974858,"num_words":35,"start":735.03503,"end":761.745},{"sentences":[{"text":"Sure.","start":761.745,"end":762.145,"sentiment":"neutral","sentiment_score":0.03311065584421158},{"text":"No.","start":762.145,"end":762.305,"sentiment":"neutral","sentiment_score":-0.013303471729159355},{"text":"That that sounds good.","start":762.305,"end":763.445,"sentiment":"positive","sentiment_score":0.8004989922046661},{"text":"Yep.","start":773.24,"end":773.74,"sentiment":"neutral","sentiment_score":0.1069701537489891},{"text":"Maybe the week after.","start":784.855,"end":786.235,"sentiment":"neutral","sentiment_score":0.024470732547342777}],"sentiment":"neutral","sentiment_score":0.311514203352007,"num_words":11,"start":761.745,"end":786.235},{"sentences":[{"text":"Yeah.","start":788.695,"end":789.09503,"sentiment":"neutral","sentiment_score":0.0783308744430542},{"text":"Just because I'm yeah.","start":789.09503,"end":791.015,"sentiment":"neutral","sentiment_score":0.07156681083142757},{"text":"Yeah.","start":791.015,"end":791.255,"sentiment":"neutral","sentiment_score":0.06951552629470825},{"text":"It it tied down next week.","start":791.255,"end":792.72,"sentiment":"neutral","sentiment_score":0.0504772054652373},{"text":"Yeah.","start":792.95996,"end":793.07996,"sentiment":"neutral","sentiment_score":0.09877742826938628}],"sentiment":"neutral","sentiment_score":0.06428879270186791,"num_words":13,"start":788.695,"end":793.07996},{"sentences":[{"text":"If we can go the week after, yeah, really, any any time, any day should be fine.","start":793.07996,"end":798.57996,"sentiment":"neutral","sentiment_score":0.14648727459066055},{"text":"Probably afternoon.","start":810.095,"end":810.995,"sentiment":"neutral","sentiment_score":0.02988248411566019},{"text":"Mhmm.","start":817.45496,"end":817.95496,"sentiment":"neutral","sentiment_score":0.06352683901786804},{"text":"Yeah.","start":827.87,"end":828.37,"sentiment":"neutral","sentiment_score":0.031978484243154526},{"text":"Yep.","start":829.31,"end":829.81,"sentiment":"neutral","sentiment_score":0.1070459485054016}],"sentiment":"neutral","sentiment_score":0.12511817763813518,"num_words":22,"start":793.07996,"end":829.81},{"sentences":[{"text":"Yeah.","start":838.84503,"end":839.16504,"sentiment":"neutral","sentiment_score":0.05548127740621567},{"text":"Yeah.","start":839.16504,"end":839.405,"sentiment":"neutral","sentiment_score":0.0527472048997879},{"text":"Let's I'll I won't take anything until we have a consultation.","start":839.405,"end":841.66504,"sentiment":"neutral","sentiment_score":0.040947876531969414},{"text":"Yep.","start":847.05,"end":847.55,"sentiment":"neutral","sentiment_score":0.13911491632461548},{"text":"Mhmm.","start":856.575,"end":857.075,"sentiment":"neutral","sentiment_score":0.1069442704319954}],"sentiment":"neutral","sentiment_score":0.053647620727618535,"num_words":15,"start":838.84503,"end":857.075},{"sentences":[{"text":"Yeah.","start":860.575,"end":860.815,"sentiment":"neutral","sentiment_score":0.21498054265975952},{"text":"Great.","start":860.815,"end":861.215,"sentiment":"positive","sentiment_score":0.3882877826690674},{"text":"No.","start":861.215,"end":861.375,"sentiment":"neutral","sentiment_score":0.28343474864959717},{"text":"That sounds good.","start":861.375,"end":862.35504,"sentiment":"positive","sentiment_score":0.47317137320836383},{"text":"No.","start":866.735,"end":867.135,"sentiment":"neutral","sentiment_score":0.13520629703998566}],"sentiment":"positive","sentiment_score":0.34877478437764303,"num_words":7,"start":860.575,"end":867.135},{"sentences":[{"text":"I think I'm I'm all good.","start":867.135,"end":868.62,"sentiment":"positive","sentiment_score":0.36701615154743195},{"text":"No worries.","start":872.46,"end":873.04,"sentiment":"neutral","sentiment_score":0.22109006345272064},{"text":"No worries.","start":875.42,"end":875.9,"sentiment":"neutral","sentiment_score":0.29651689529418945},{"text":"Thanks very much, Tommy.","start":875.9,"end":876.96,"sentiment":"positive","sentiment_score":0.8353325724601746},{"text":"No worries.","start":878.86,"end":879.26,"sentiment":"neutral","sentiment_score":0.20242460817098618}],"sentiment":"positive","sentiment_score":0.43646814581006765,"num_words":16,"start":867.135,"end":879.26},{"sentences":[{"text":"You too.","start":879.26,"end":879.66,"sentiment":"neutral","sentiment_score":0.2989220917224884},{"text":"Bye.","start":879.66,"end":880.16,"sentiment":"neutral","sentiment_score":-0.11516299843788148}],"sentiment":"neutral","sentiment_score":0.16089372833569845,"num_words":3,"start":879.26,"end":880.16}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. It's Daniel.\n\nChannel 0: Good morning, Daniel. It's Tommy here from Oakview, mate. How are you doing this phone Friday?\n\nChannel 1: Yeah. Good, Tommy. How are you?\n\nChannel 0: Living the dream. I'm sun hasn't come out yet. It's all freezing and raining. So, otherwise, beautiful. What about you?\n\nChannel 1: Yeah. That's the same. I've got two young kids, so I've been up since for a little while now. You know, doing the usual thing. So yeah.\n\nChannel 0: Oh, good\n\nChannel 1: Dream\n\nChannel 0: fun.\n\nChannel 1: as well.\n\nChannel 0: Congratulations, mate. Congratulations.\n\nChannel 1: Thank you.\n\nChannel 0: I I just had a daughter born three weeks ago as well, and\n\nChannel 1: Oh, congratulations.\n\nChannel 0: she was up thank you. Up four times last night. So if I am exploring my words, please let me know, and\n\nChannel 1: Hey.\n\nChannel 0: I will repeat myself.\n\nChannel 1: Don't worry about it. My daughter's five weeks old, and, yeah, I think we'll make about as much sense as each other. So that's all fine.\n\nChannel 0: Fantastic, mate. So I'm just gonna do a quick security check with you,\n\nChannel 1: Yep.\n\nChannel 0: and then I have all the notes on your account and a few ideas for you. So I'm just gonna start with your date of birth\n\nChannel 1: Great.\n\nChannel 0: and address, please.\n\nChannel 1: Sure. Date of birth is the 03/08/1987, and my address is 20 Phillips Street in Coburg, Victoria.\n\nChannel 0: Sensational. And I'm registered with Aptive as adviser 1273105. Are you okay\n\nChannel 1: Yep.\n\nChannel 0: for this call to be recorded?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Fantastic. Now, mate, with all of the the good news and everything, I had a few notes here from Michelle who is basically just talking about your email just to get your portfolio updated in\n\nChannel 1: Yep.\n\nChannel 0: the super, but also you were looking at a bit of insurances as well, just a bit of a top up and a few things there. Is that right?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Cool. Cool. So the good news is we pretty much have a plan built for you and a portfolio picked out. It's\n\nChannel 1: Great.\n\nChannel 0: basically 90% finished, and I only had a couple of questions before I finish it off and send it through to you if that's alright.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: So just with a few changes that have happened since February, March with obviously, the markets and the world kind of exploding,\n\nChannel 1: Yeah.\n\nChannel 0: we're kind of pivoting a little bit in our investments based on the last committee discussion that we had. And I've been\n\nChannel 1: Mhmm.\n\nChannel 0: talking with our investment committee for not only replacements for that Benelon option, but also a few other things that the government changed legislation on as well.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: So underneath the hood, something that not many people know is a few products out in the market are actually getting phased out. Things like bank hybrids, which just the government's basically banning, and all the fund managers have to kind of change their product. So I'm doing a few extra switch outs, not just for the Benelon option. I'm gonna switch about two or three options there for you.\n\nChannel 1: Okay.\n\nChannel 0: Now what I wanted to ask you was we were considering I was talking with Kyle, and we were considering possibly looking at a bit of a a active portfolio for you, which\n\nChannel 1: So\n\nChannel 0: the\n\nChannel 1: what\n\nChannel 0: the Benelon\n\nChannel 1: was that?\n\nChannel 0: we're looking at a bit of a passive portfolio in investment style. Reason for that is the Benelon option is a it's an active fund.\n\nChannel 1: Okay.\n\nChannel 0: So you pay\n\nChannel 1: Mhmm.\n\nChannel 0: a bit more higher fees to try and get a higher return, and they just haven't been kind of keeping up with the pack the last six months\n\nChannel 1: Yep.\n\nChannel 0: and a little bit longer too. Now I do have some active options available that are much better, but I did wanna just ask you if you would be okay to consider a bit of a switch in the style and go for something a bit more lower fees.\n\nChannel 1: Yeah. Look. I'm I'm up for up for that. Yeah. If if it works out better.\n\nYeah. No. I'm up up to switching to a passive style.\n\nChannel 0: Yeah. Cool. So what it basically means is that with that active portion for the Australian shares, it'll go to more of a low fee ETF, which is a little bit more. I wouldn't call it safe because it's shares,\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: but\n\nChannel 1: Of course.\n\nChannel 0: it's a little bit more follows the market. You're not worrying about the fund manager making a mistake and investing in the wrong company.\n\nChannel 1: Yep. Yep. No. That makes sense. That's fair.\n\nChannel 0: So that'll probably reduce those\n\nChannel 1: Mhmm.\n\nChannel 0: investment fees for that portion by about 80%, and the returns I'm looking at are are just consistent double digits. One,\n\nChannel 1: Yep.\n\nChannel 0: three, five, ten years, it's looking really good.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I'll finish that off. I've got a few things to slot into there, and I'll I'll get that sent through to you. But I just wanted to quickly touch base on the insurance side if that's okay.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: So I'm looking at the details that we sort of updated recently, and\n\nChannel 1: Mhmm.\n\nChannel 0: I think your income is sitting at a 180,000 at the moment. Still got a bit of that mortgage there.\n\nChannel 1: Yep.\n\nChannel 0: Now with the birth of your daughter and everything, I just wanted to ask you, are we just trying to focus on increasing your CBD disability cover to cover the mortgage, or are we also trying to get a bit of a buffer for things like lost income as well outside of income protection?\n\nChannel 1: The the key thing is to bring the TPD up to the same level of life.\n\nChannel 0: Yep.\n\nChannel 1: So I think life life's sitting at about a million or 1.2. And the purpose\n\nChannel 0: Yes.\n\nChannel 1: behind that was to cancel the mortgage if anything happened to me. So,\n\nChannel 0: Okay.\n\nChannel 1: ideally, to bring PPD up to the same would be good.\n\nChannel 0: Okay.\n\nChannel 1: The reasoning that it didn't get increased last time was because I had a bit of a health issue when we went about redoing the insurances probably, like, three years ago and\n\nChannel 0: Yep.\n\nChannel 1: getting it increased. However, they did say to me at the time, they said, oh, look, because it's a kind of a temporary issue, if you can you know, if your health stays good for, I think, it was two years, then that that restriction would no longer be on it. So, yeah, it was just kind of looking to see if we can increase it or if we need to wait\n\nChannel 0: Yep.\n\nChannel 1: a bit longer.\n\nChannel 0: Perfect.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. So we've pretty much gotten responses back from most of the insurers. There's a couple that I'm looking at as well, and Ascend is usually pretty good for it. So\n\nChannel 1: Mhmm.\n\nChannel 0: I'm gonna kind of just analyze that and either increase with the current insurer or maybe even recommend somebody else if they're gonna give you a much better outcome.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: The question I had for the is on pricing because\n\nChannel 1: Yep.\n\nChannel 0: to ensure a 180,000 worth of income, it\n\nChannel 1: Hey.\n\nChannel 0: can get\n\nChannel 1: It's\n\nChannel 0: pretty\n\nChannel 1: Philip.\n\nChannel 0: hefty pretty quickly.\n\nChannel 1: Yeah.\n\nChannel 0: So the way I kind of do a bit of a work back is say, okay. The standard is a thirty day waiting period and\n\nChannel 1: Mhmm.\n\nChannel 0: age 65 benefit. That's kinda like you're off for a month, income protection kicks in, and it lasts you until the time. That's the main thing for someone in your occupation\n\nChannel 1: Yep.\n\nChannel 0: because you've got a pretty good occupation rating from what I can see, mostly office space, degree\n\nChannel 1: Mhmm.\n\nChannel 0: qualified, so you've got a really good rating. Now if that ends up being four or five thousand dollars, I'm gonna kind of work it back a little bit.\n\nChannel 1: Yeah.\n\nChannel 0: Now what we can do there is we can do other two things. We can kick out the waiting period to say, okay. You're okay to maybe wait sixty or ninety days if\n\nChannel 1: Mhmm.\n\nChannel 0: you have enough leave and cash savings there, or\n\nChannel 1: Yep.\n\nChannel 0: we can just reduce the benefit period from sixty five to, like, five years or two years.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have\n\nChannel 1: Okay.\n\nChannel 0: a leaning between the two?\n\nChannel 1: Probably look to decrease the benefit period. Like, if in the event that something does happen and I do need to dive into it, probably after about two or five years, I'll probably look to go to TPD and claim on TPD anyway.\n\nChannel 0: That's exactly what I was thinking.\n\nChannel 1: Yeah. So that's probably the way I'm leaning there. And,\n\nChannel 0: Yep.\n\nChannel 1: I mean, my my issue is I've just changed jobs. So in terms of leave, I don't have a lot of leave. I've got none. And, obviously, it takes a lot of build it up. So, yeah, blowing out that wait period might be problematic.\n\nChannel 0: Yeah. Yeah. Okay. So I'll keep it at the thirty days, and I'll work my way back on the benefit period instead.\n\nChannel 1: Yeah. Yeah. That'll\n\nChannel 0: So\n\nChannel 1: be good.\n\nChannel 0: to that trauma insurance. Do you remember that one for the heart attack, stroke, and cancer?\n\nChannel 1: Yes. I do remember talking to the talking to someone about that. Yep.\n\nChannel 0: So the baseline that we usually do is around about 100,000 for, like, medical costs and time for your partner to kind of look after you if something serious was diagnosed, like a cancer or something like that.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, you may not instantly be CBD from it, but they're serious enough that you kind of wanna, you know, go find the right specialist, spend a bit of time, and kind of deal with that for a few months.\n\nChannel 1: Yep.\n\nChannel 0: So in terms of pricing, how long is the piece of string on those ones? But\n\nChannel 1: Yeah.\n\nChannel 0: at age, I think you're, what, 38 now?\n\nChannel 1: 39. Yeah.\n\nChannel 0: 39. So it'll start getting up there in your forties, and\n\nChannel 1: Yep.\n\nChannel 0: I just wanted to be guided by you in terms of out of pocket affordability. Do you want me to try and cap it at, like, $50 a month, a $100 a month? What would be a reasonable amount for you?\n\nChannel 1: What in terms of forwarding it? I'm not yeah. In all honesty, not too sure.\n\nChannel 0: Yep.\n\nChannel 1: Is this something that can come out of super, or is it something that has to be paid outside of it?\n\nChannel 0: This is the only one that has to be out of pocket.\n\nChannel 1: Yeah. Okay. Per yeah. Look. If you can cap it at 50 a month, yeah, that's probably, yeah, pretty reasonable.\n\nChannel 0: Yep. Yep. Now one thing that I can do is if we quote for a 100,000 and nobody is under 50 a month, I can either\n\nChannel 1: Yep.\n\nChannel 0: just not recommend it at all or\n\nChannel 1: Yep.\n\nChannel 0: I can just trim it down and say, let's go for 75, 50,000 or something like that. What would be your preference?\n\nChannel 1: Yeah. If no one's willing to offer at that price, yeah, look just look to trim down the amount.\n\nChannel 0: Yep. Okay. Easy done. And one of the things I might even look at is there's a couple of insurers that offer complimentary child trauma inside the policy,\n\nChannel 1: Yeah. Okay.\n\nChannel 0: and that would give similar benefits to the children.\n\nChannel 1: Yep.\n\nChannel 0: So if they get some serious diagnosis like a bacterial meningitis or\n\nChannel 1: Yeah.\n\nChannel 0: glaucoma or just all those things that you don't expect,\n\nChannel 1: Mhmm.\n\nChannel 0: there's small amounts that can pop out for that as well.\n\nChannel 1: Yeah. That's great. I mean, if if we\n\nChannel 0: Yep.\n\nChannel 1: you know, if if the number comes in, you know, it's $60 a month or, you know, something like that to keep it at a 100 gig, then that's that's fine. We can go up to that as well. Yeah. I just\n\nChannel 0: Yep.\n\nChannel 1: don't know what what sort of combination looks like.\n\nChannel 0: Yeah. No. That's awesome. I'll I'll make a bit of a recommendation and have a few variations that you\n\nChannel 1: Yep.\n\nChannel 0: could pick from. One of the things is, like, one of my boys, I've got three kids, and my second was born with, like, glaucoma. So\n\nChannel 1: Yeah. Right.\n\nChannel 0: my lifelong eye condition, you know, legally blind, that kind of thing. And it's one of\n\nChannel 1: Yeah.\n\nChannel 0: those ones where if you can get $10 from an insurer up front, it means that you guys can go book in a hotel at the hospital, stay there for a couple of nights doing checks and surgeries and things like that. So\n\nChannel 1: Yeah.\n\nChannel 0: it's it's little things like that that I might see might add in.\n\nChannel 1: Yeah. It'll fit. And there are things that, yeah, we'd we'd hope. Yeah. We'd look for.\n\nYeah. Yeah. Yeah. No. That's that's a good point.\n\nChannel 0: Hey. That just kinda narrows down the providers for me.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. So I've got a pretty good idea. I can finish everything off in terms of I'm just gonna clarify the insurance underwriting first before I\n\nChannel 1: Mhmm.\n\nChannel 0: pick somebody,\n\nChannel 1: Yep.\n\nChannel 0: and then I'm pretty well good to go. Do you have any questions for me at this point?\n\nChannel 1: No. No. Not at this point. Yeah. I assume you just send me a proposal on on what you've kind of tell and what you've picked, and, yeah, we'll just make a selection from there.\n\nChannel 0: Yeah. And just make it super easy for you. I'm pretty much gonna put all the recommendations into your advice document, and I'll put a box at the bottom where we can go through the document together, and you\n\nChannel 1: Yep.\n\nChannel 0: can write if you wanna vary the recommendations, go ahead with this, but not that. And then you can just kind of see what you're comfortable with.\n\nChannel 1: Yeah. Sure. No. That that sounds good.\n\nChannel 0: Cool. Now just to kind of get that finalized, like, I can obviously just shoot it off to you as soon as it's done, but I do wanna just take a few minutes to run through it with you. Is there\n\nChannel 1: Yep.\n\nChannel 0: a good day or time possibly towards the end of next week or the week after that I can kind of book in with you for a $15.20?\n\nChannel 1: Maybe the week after.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Just because I'm yeah. Yeah. It it tied down next week. Yeah.\n\nIf we can go the week after, yeah, really, any any time, any day should be fine.\n\nChannel 0: Anytime, any day. Purity. So what I might do is just so it's in I know you can't really say a preference there, but morning or afternoon for you guys?\n\nChannel 1: Probably afternoon.\n\nChannel 0: Afternoon. Cool. Cool. So just to make sure I've got enough time for it, what I'll do is\n\nChannel 1: Mhmm.\n\nChannel 0: I'll book you in for just after lunchtime on the Thursday, and I will actually send you the documents ahead of time just so you've got it there to\n\nChannel 1: Yeah.\n\nChannel 0: to either read through.\n\nChannel 1: Yep.\n\nChannel 0: You can take it if you're comfortable with everything, but if not, I'll just run through with you and make sure I've explained all the pros and cons before you go ahead with anything.\n\nChannel 1: Yeah. Yeah. Let's I'll I won't take anything until we have a consultation.\n\nChannel 0: Yep. Easy done. So I'll put in for about 12:00 on Thursday of the night.\n\nChannel 1: Yep.\n\nChannel 0: If there's anything else we need, I'll get the team to reach out to you, but I think we're pretty well good to go from all the previous information that we used in your last conversation.\n\nChannel 1: Mhmm.\n\nChannel 0: So I should be okay there as well.\n\nChannel 1: Yeah. Great. No. That sounds good.\n\nChannel 0: Awesome, Daniel. Mate, any other questions for me before I let you go?\n\nChannel 1: No. I think I'm I'm all good.\n\nChannel 0: Fantastic. Right? Well, enjoy the baby bubble, and\n\nChannel 1: No worries.\n\nChannel 0: I shall talk to you in a fortnight.\n\nChannel 1: No worries. Thanks very much, Tommy.\n\nChannel 0: Thanks. Have a good one. Bye.\n\nChannel 1: No worries. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.12,"sentiment":"neutral","sentiment_score":0.041721560060977936},{"text":"It's Daniel.","start":1.12,"end":1.86,"sentiment":"neutral","sentiment_score":0.039442649111151695}],"sentiment":"neutral","sentiment_score":0.04020228609442711,"channel":1,"num_words":3,"start":0.88,"end":1.86},{"sentences":[{"text":"Good morning, Daniel.","start":2.96,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.31355248888333637},{"text":"It's Tommy here from Oakview, mate.","start":3.9199998,"end":5.52,"sentiment":"neutral","sentiment_score":0.16627307484547296},{"text":"How are you doing this phone Friday?","start":5.52,"end":7.22,"sentiment":"neutral","sentiment_score":0.2065330786364419}],"sentiment":"neutral","sentiment_score":0.21150171663612127,"channel":0,"num_words":16,"start":2.96,"end":7.22},{"sentences":[{"text":"Yeah.","start":7.52,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.18953043222427368},{"text":"Good, Tommy.","start":7.9199996,"end":8.639999,"sentiment":"positive","sentiment_score":0.4010462313890457},{"text":"How are you?","start":8.639999,"end":9.38,"sentiment":"positive","sentiment_score":0.3405567804972331}],"sentiment":"positive","sentiment_score":0.33554887274901074,"channel":1,"num_words":6,"start":7.52,"end":9.38},{"sentences":[{"text":"Living the dream.","start":9.76,"end":10.96,"sentiment":"positive","sentiment_score":0.4799261689186096},{"text":"I'm sun hasn't come out yet.","start":10.96,"end":13.245,"sentiment":"neutral","sentiment_score":0.07288000732660294},{"text":"It's all freezing and raining.","start":13.245,"end":15.085,"sentiment":"neutral","sentiment_score":0.04069832302629948},{"text":"So, otherwise, beautiful.","start":15.085,"end":16.285,"sentiment":"positive","sentiment_score":0.3843309183915456},{"text":"What about you?","start":16.285,"end":17.185,"sentiment":"neutral","sentiment_score":0.14234203100204468}],"sentiment":"neutral","sentiment_score":0.18302845070138574,"channel":0,"num_words":20,"start":9.76,"end":17.185},{"sentences":[{"text":"Yeah.","start":17.855,"end":18.095,"sentiment":"neutral","sentiment_score":0.09144685417413712},{"text":"That's the same.","start":18.095,"end":18.735,"sentiment":"neutral","sentiment_score":0.10230482618014018},{"text":"I've got two young kids, so I've been up since for a little while now.","start":18.735,"end":22.735,"sentiment":"neutral","sentiment_score":0.0649694966773192},{"text":"You know, doing the usual thing.","start":22.735,"end":24.015,"sentiment":"neutral","sentiment_score":0.1082168420155843},{"text":"So yeah.","start":24.015,"end":25.475,"sentiment":"neutral","sentiment_score":0.13558122888207436}],"sentiment":"neutral","sentiment_score":0.08493952936044445,"channel":1,"num_words":27,"start":17.855,"end":25.475},{"sentences":[{"text":"Oh, good","start":25.38,"end":26.02,"sentiment":"positive","sentiment_score":0.5217466205358505}],"sentiment":"positive","sentiment_score":0.5217466205358505,"channel":0,"num_words":2,"start":25.38,"end":26.02},{"sentences":[{"text":"Dream","start":25.855,"end":26.255001,"sentiment":"positive","sentiment_score":0.5865253806114197}],"sentiment":"positive","sentiment_score":0.5865253806114197,"channel":1,"num_words":1,"start":25.855,"end":26.255001},{"sentences":[{"text":"fun.","start":26.02,"end":26.42,"sentiment":"positive","sentiment_score":0.597183108329773}],"sentiment":"positive","sentiment_score":0.597183108329773,"channel":0,"num_words":1,"start":26.02,"end":26.42},{"sentences":[{"text":"as well.","start":26.255001,"end":26.79,"sentiment":"positive","sentiment_score":0.41712231934070587}],"sentiment":"positive","sentiment_score":0.41712231934070587,"channel":1,"num_words":2,"start":26.255001,"end":26.79},{"sentences":[{"text":"Congratulations, mate.","start":26.42,"end":27.78,"sentiment":"positive","sentiment_score":0.6520676016807556},{"text":"Congratulations.","start":27.78,"end":28.28,"sentiment":"positive","sentiment_score":0.6476779580116272}],"sentiment":"positive","sentiment_score":0.6506043871243795,"channel":0,"num_words":3,"start":26.42,"end":28.28},{"sentences":[{"text":"Thank you.","start":29.35,"end":30.09,"sentiment":"positive","sentiment_score":0.5606476962566376}],"sentiment":"positive","sentiment_score":0.5606476962566376,"channel":1,"num_words":2,"start":29.35,"end":30.09},{"sentences":[{"text":"I I just had a daughter born three weeks ago as well, 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okay.","start":267.60498,"end":271.54498,"sentiment":"neutral","sentiment_score":0.10901293208201726}],"sentiment":"neutral","sentiment_score":0.17268750796976842,"channel":0,"num_words":38,"start":262.085,"end":271.54498},{"sentences":[{"text":"Yeah.","start":271.92502,"end":272.325,"sentiment":"neutral","sentiment_score":0.14215555787086487},{"text":"Sure.","start":272.325,"end":272.825,"sentiment":"neutral","sentiment_score":0.14656704664230347}],"sentiment":"neutral","sentiment_score":0.14436130225658417,"channel":1,"num_words":2,"start":271.92502,"end":272.825},{"sentences":[{"text":"So I'm looking at the details that we sort of updated recently, 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key thing is to bring the TPD up to the same level of life.","start":305.06,"end":308.84,"sentiment":"neutral","sentiment_score":0.10979992803186178}],"sentiment":"neutral","sentiment_score":0.10979992803186178,"channel":1,"num_words":16,"start":305.06,"end":308.84},{"sentences":[{"text":"Yep.","start":309.48,"end":309.98,"sentiment":"neutral","sentiment_score":0.10352226346731186}],"sentiment":"neutral","sentiment_score":0.10352226346731186,"channel":0,"num_words":1,"start":309.48,"end":309.98},{"sentences":[{"text":"So I think life life's sitting at about a million or 1.2.","start":309.53998,"end":312.59998,"sentiment":"neutral","sentiment_score":0.09446720344324906},{"text":"And the 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with.","start":758.12,"end":761.1,"sentiment":"neutral","sentiment_score":0.15456447812418142}],"sentiment":"neutral","sentiment_score":0.15937976594324466,"channel":0,"num_words":27,"start":753.88,"end":761.1},{"sentences":[{"text":"Yeah.","start":761.505,"end":761.745,"sentiment":"neutral","sentiment_score":0.07390469312667847},{"text":"Sure.","start":761.745,"end":762.145,"sentiment":"neutral","sentiment_score":0.03311065584421158},{"text":"No.","start":762.145,"end":762.305,"sentiment":"neutral","sentiment_score":-0.013303471729159355},{"text":"That that sounds good.","start":762.305,"end":763.445,"sentiment":"positive","sentiment_score":0.8004989922046661}],"sentiment":"positive","sentiment_score":0.47081540658005644,"channel":1,"num_words":7,"start":761.505,"end":763.445},{"sentences":[{"text":"Cool.","start":764.515,"end":764.835,"sentiment":"positive","sentiment_score":0.6424148082733154},{"text":"Now just to kind of get that finalized, like, I can obviously just shoot it off to you as soon as it's done, but I do wanna just take a few minutes to run through it with you.","start":764.835,"end":772.855,"sentiment":"neutral","sentiment_score":0.2498703987190598},{"text":"Is there","start":772.995,"end":773.395,"sentiment":"neutral","sentiment_score":0.05416899733245373}],"sentiment":"neutral","sentiment_score":0.24989824278689013,"channel":0,"num_words":41,"start":764.515,"end":773.395},{"sentences":[{"text":"Yep.","start":773.24,"end":773.74,"sentiment":"neutral","sentiment_score":0.1069701537489891}],"sentiment":"neutral","sentiment_score":0.1069701537489891,"channel":1,"num_words":1,"start":773.24,"end":773.74},{"sentences":[{"text":"a good day or time possibly towards the end of next week or the week after that I can kind of book in with you for a $15.20?","start":773.395,"end":782.61,"sentiment":"neutral","sentiment_score":0.13156505141939437}],"sentiment":"neutral","sentiment_score":0.13156505141939437,"channel":0,"num_words":28,"start":773.395,"end":782.61},{"sentences":[{"text":"Maybe the week after.","start":784.855,"end":786.235,"sentiment":"neutral","sentiment_score":0.024470732547342777}],"sentiment":"neutral","sentiment_score":0.024470732547342777,"channel":1,"num_words":4,"start":784.855,"end":786.235},{"sentences":[{"text":"Yep.","start":787.23,"end":787.73,"sentiment":"neutral","sentiment_score":0.06398450583219528}],"sentiment":"neutral","sentiment_score":0.06398450583219528,"channel":0,"num_words":1,"start":787.23,"end":787.73},{"sentences":[{"text":"Yeah.","start":788.695,"end":789.09503,"sentiment":"neutral","sentiment_score":0.0783308744430542},{"text":"Just because I'm yeah.","start":789.09503,"end":791.015,"sentiment":"neutral","sentiment_score":0.07156681083142757},{"text":"Yeah.","start":791.015,"end":791.255,"sentiment":"neutral","sentiment_score":0.06951552629470825},{"text":"It it tied down next week.","start":791.255,"end":792.72,"sentiment":"neutral","sentiment_score":0.0504772054652373},{"text":"Yeah.","start":792.95996,"end":793.07996,"sentiment":"neutral","sentiment_score":0.09877742826938628}],"sentiment":"neutral","sentiment_score":0.06428879270186791,"channel":1,"num_words":13,"start":788.695,"end":793.07996},{"sentences":[{"text":"If we can go the week after, yeah, really, any any time, any day should be fine.","start":793.07996,"end":798.57996,"sentiment":"neutral","sentiment_score":0.14648727459066055}],"sentiment":"neutral","sentiment_score":0.14648727459066055,"channel":1,"num_words":17,"start":793.07996,"end":798.57996},{"sentences":[{"text":"Anytime, any day.","start":799.405,"end":800.60504,"sentiment":"neutral","sentiment_score":0.12892870853344598},{"text":"Purity.","start":800.60504,"end":801.085,"sentiment":"neutral","sentiment_score":0.1372576653957367},{"text":"So what I might do is just so it's in I know you can't really say a preference there, but morning or afternoon for you guys?","start":801.085,"end":809.17,"sentiment":"neutral","sentiment_score":0.06596010235639718}],"sentiment":"neutral","sentiment_score":0.07463354840874672,"channel":0,"num_words":30,"start":799.405,"end":809.17},{"sentences":[{"text":"Probably afternoon.","start":810.095,"end":810.995,"sentiment":"neutral","sentiment_score":0.02988248411566019}],"sentiment":"neutral","sentiment_score":0.02988248411566019,"channel":1,"num_words":2,"start":810.095,"end":810.995},{"sentences":[{"text":"Afternoon.","start":812.11,"end":812.61,"sentiment":"neutral","sentiment_score":0.04815230891108513},{"text":"Cool.","start":812.99,"end":813.31,"sentiment":"neutral","sentiment_score":0.24083320796489716},{"text":"Cool.","start":813.31,"end":813.70996,"sentiment":"neutral","sentiment_score":0.21056243777275083},{"text":"So just to make sure I've got enough time for it, what I'll do is","start":813.70996,"end":817.64496,"sentiment":"neutral","sentiment_score":0.10422249535719554}],"sentiment":"neutral","sentiment_score":0.11460474361148146,"channel":0,"num_words":18,"start":812.11,"end":817.64496},{"sentences":[{"text":"Mhmm.","start":817.45496,"end":817.95496,"sentiment":"neutral","sentiment_score":0.06352683901786804}],"sentiment":"neutral","sentiment_score":0.06352683901786804,"channel":1,"num_words":1,"start":817.45496,"end":817.95496},{"sentences":[{"text":"I'll book you in for just after lunchtime on the Thursday, and I will actually send you the documents ahead of time just so you've got it there to","start":817.64496,"end":827.885,"sentiment":"neutral","sentiment_score":0.0979927616386578}],"sentiment":"neutral","sentiment_score":0.0979927616386578,"channel":0,"num_words":29,"start":817.64496,"end":827.885},{"sentences":[{"text":"Yeah.","start":827.87,"end":828.37,"sentiment":"neutral","sentiment_score":0.031978484243154526}],"sentiment":"neutral","sentiment_score":0.031978484243154526,"channel":1,"num_words":1,"start":827.87,"end":828.37},{"sentences":[{"text":"to either read through.","start":827.885,"end":829.02496,"sentiment":"neutral","sentiment_score":0.023967458866536617}],"sentiment":"neutral","sentiment_score":0.023967458866536617,"channel":0,"num_words":4,"start":827.885,"end":829.02496},{"sentences":[{"text":"Yep.","start":829.31,"end":829.81,"sentiment":"neutral","sentiment_score":0.1070459485054016}],"sentiment":"neutral","sentiment_score":0.1070459485054016,"channel":1,"num_words":1,"start":829.31,"end":829.81},{"sentences":[{"text":"You can take it if you're comfortable with everything, but if not, I'll just run through with you and make sure I've explained all the pros and cons before you go ahead with anything.","start":830.67,"end":838.37,"sentiment":"neutral","sentiment_score":0.10154696575859014}],"sentiment":"neutral","sentiment_score":0.10154696575859014,"channel":0,"num_words":34,"start":830.67,"end":838.37},{"sentences":[{"text":"Yeah.","start":838.84503,"end":839.16504,"sentiment":"neutral","sentiment_score":0.05548127740621567},{"text":"Yeah.","start":839.16504,"end":839.405,"sentiment":"neutral","sentiment_score":0.0527472048997879},{"text":"Let's I'll I won't take anything until we have a consultation.","start":839.405,"end":841.66504,"sentiment":"neutral","sentiment_score":0.040947876531969414}],"sentiment":"neutral","sentiment_score":0.04297347108905132,"channel":1,"num_words":13,"start":838.84503,"end":841.66504},{"sentences":[{"text":"Yep.","start":842.73505,"end":843.05505,"sentiment":"neutral","sentiment_score":0.10577812045812608},{"text":"Easy done.","start":843.05505,"end":843.695,"sentiment":"neutral","sentiment_score":0.20797118544578552},{"text":"So I'll put in for about 12:00 on Thursday of the night.","start":843.695,"end":846.835,"sentiment":"neutral","sentiment_score":0.10677489017446835}],"sentiment":"neutral","sentiment_score":0.1202012782295545,"channel":0,"num_words":15,"start":842.73505,"end":846.835},{"sentences":[{"text":"Yep.","start":847.05,"end":847.55,"sentiment":"neutral","sentiment_score":0.13911491632461548}],"sentiment":"neutral","sentiment_score":0.13911491632461548,"channel":1,"num_words":1,"start":847.05,"end":847.55},{"sentences":[{"text":"If there's anything else we need, I'll get the team to reach out to you, but I think we're pretty well good to go from all the previous information that we used in your last conversation.","start":847.375,"end":856.67505,"sentiment":"neutral","sentiment_score":0.208270613104105}],"sentiment":"neutral","sentiment_score":0.208270613104105,"channel":0,"num_words":36,"start":847.375,"end":856.67505},{"sentences":[{"text":"Mhmm.","start":856.575,"end":857.075,"sentiment":"neutral","sentiment_score":0.1069442704319954}],"sentiment":"neutral","sentiment_score":0.1069442704319954,"channel":1,"num_words":1,"start":856.575,"end":857.075},{"sentences":[{"text":"So I should be okay there as well.","start":857.45,"end":860.19,"sentiment":"neutral","sentiment_score":0.18543493933975697}],"sentiment":"neutral","sentiment_score":0.18543493933975697,"channel":0,"num_words":8,"start":857.45,"end":860.19},{"sentences":[{"text":"Yeah.","start":860.575,"end":860.815,"sentiment":"neutral","sentiment_score":0.21498054265975952},{"text":"Great.","start":860.815,"end":861.215,"sentiment":"positive","sentiment_score":0.3882877826690674},{"text":"No.","start":861.215,"end":861.375,"sentiment":"neutral","sentiment_score":0.28343474864959717},{"text":"That sounds good.","start":861.375,"end":862.35504,"sentiment":"positive","sentiment_score":0.47317137320836383}],"sentiment":"positive","sentiment_score":0.3843695322672526,"channel":1,"num_words":6,"start":860.575,"end":862.35504},{"sentences":[{"text":"Awesome, Daniel.","start":863.05,"end":863.69,"sentiment":"positive","sentiment_score":0.5129682719707489},{"text":"Mate, any other questions for me before I let you go?","start":863.69,"end":865.95,"sentiment":"neutral","sentiment_score":0.2851069610227238}],"sentiment":"neutral","sentiment_score":0.32016254732242,"channel":0,"num_words":13,"start":863.05,"end":865.95},{"sentences":[{"text":"No.","start":866.735,"end":867.135,"sentiment":"neutral","sentiment_score":0.13520629703998566},{"text":"I think I'm I'm all good.","start":867.135,"end":868.62,"sentiment":"positive","sentiment_score":0.36701615154743195}],"sentiment":"positive","sentiment_score":0.3339004580463682,"channel":1,"num_words":7,"start":866.735,"end":868.62},{"sentences":[{"text":"Fantastic.","start":869.75494,"end":870.15497,"sentiment":"positive","sentiment_score":0.5920836925506592},{"text":"Right?","start":870.15497,"end":870.475,"sentiment":"neutral","sentiment_score":0.18728990852832791},{"text":"Well, enjoy the baby bubble, and","start":870.475,"end":872.495,"sentiment":"positive","sentiment_score":0.5688028087218603}],"sentiment":"positive","sentiment_score":0.5240238066762686,"channel":0,"num_words":8,"start":869.75494,"end":872.495},{"sentences":[{"text":"No worries.","start":872.46,"end":873.04,"sentiment":"neutral","sentiment_score":0.22109006345272064}],"sentiment":"neutral","sentiment_score":0.22109006345272064,"channel":1,"num_words":2,"start":872.46,"end":873.04},{"sentences":[{"text":"I shall talk to you in a fortnight.","start":873.035,"end":874.89496,"sentiment":"neutral","sentiment_score":0.2265432495623827}],"sentiment":"neutral","sentiment_score":0.2265432495623827,"channel":0,"num_words":8,"start":873.035,"end":874.89496},{"sentences":[{"text":"No worries.","start":875.42,"end":875.9,"sentiment":"neutral","sentiment_score":0.29651689529418945},{"text":"Thanks very much, Tommy.","start":875.9,"end":876.96,"sentiment":"positive","sentiment_score":0.8353325724601746}],"sentiment":"positive","sentiment_score":0.6557273467381796,"channel":1,"num_words":6,"start":875.42,"end":876.96},{"sentences":[{"text":"Thanks.","start":877.51495,"end":877.915,"sentiment":"positive","sentiment_score":0.8348196744918823},{"text":"Have a good one.","start":877.915,"end":878.63495,"sentiment":"positive","sentiment_score":0.7393778264522552},{"text":"Bye.","start":878.63495,"end":879.13495,"sentiment":"positive","sentiment_score":0.3927949070930481}],"sentiment":"positive","sentiment_score":0.6975209812323252,"channel":0,"num_words":6,"start":877.51495,"end":879.13495},{"sentences":[{"text":"No worries.","start":878.86,"end":879.26,"sentiment":"neutral","sentiment_score":0.20242460817098618},{"text":"You too.","start":879.26,"end":879.66,"sentiment":"neutral","sentiment_score":0.2989220917224884},{"text":"Bye.","start":879.66,"end":880.16,"sentiment":"neutral","sentiment_score":-0.11516299843788148}],"sentiment":"neutral","sentiment_score":0.17750608026981354,"channel":1,"num_words":5,"start":878.86,"end":880.16}]},"summary":{"result":"success","short":"Representatives from Oakview and Benelon discuss the benefits of switching to lower fee investment options and a switch from a bank hybrids to an active portfolio for Daniel. Daniel is open to the switch and will receive a quote. The speakers also discuss insurance pricing and retirement goals. The customers are leaning towards reducing benefit periods and increasing coverage to reduce waiting periods and potentially lead to lower benefit periods. They schedule follow-up calls to discuss the policy and its benefits."},"intents":{"segments":[{"text":"Now, mate, with all of the the good news and everything, I had a few notes here from Michelle who is basically just talking about your email just to get your portfolio updated in Yep. the super, but also you were looking at a bit of insurances as well, just a bit of a top up and a few things there. Is that right? Yeah.","start_word":235,"end_word":299,"intents":[{"intent":"Update portfolio and insurances","confidence_score":0.0130276065}]},{"text":"So the good news is we pretty much have a plan built for you and a portfolio picked out.","start_word":305,"end_word":323,"intents":[{"intent":"Reach out portfolio","confidence_score":0.00022838214}]},{"text":"we're kind of pivoting a little bit in our investments based on the last committee discussion that we had. And I've been Mhmm. talking with our investment committee for not only replacements for that Benelon option, but also a few other things that the government changed legislation on as well. Yeah.","start_word":375,"end_word":425,"intents":[{"intent":"Discuss investments","confidence_score":0.5990757}]},{"text":"So underneath the hood, something that not many people know is a few products out in the market are actually getting phased out. Things like bank hybrids, which just the government's basically banning, and all the fund managers have to kind of change their product. So I'm doing a few extra switch outs, not just for the Benelon option. I'm gonna switch about two or three options there for you.","start_word":427,"end_word":496,"intents":[{"intent":"Discuss products","confidence_score":0.080096334}]},{"text":"Now what I wanted to ask you was we were considering I was talking with Kyle, and we were considering possibly looking at a bit of a a active portfolio for you, which So the what the Benelon was that? we're looking at a bit of a passive portfolio in investment style. Reason for that is the Benelon option is a it's an active fund. Okay.","start_word":498,"end_word":563,"intents":[{"intent":"Consider portfolio options","confidence_score":0.081875645}]},{"text":"So you pay Mhmm. a bit more higher fees to try and get a higher return, and they just haven't been kind of keeping up with the pack the last six months Yep.","start_word":564,"end_word":596,"intents":[{"intent":"Ask about cost","confidence_score":0.004619573}]},{"text":"I'm gonna kind of just analyze that and either increase with the current insurer or maybe even recommend somebody else if they're gonna give you a much better outcome. Yeah.","start_word":1118,"end_word":1147,"intents":[{"intent":"Analyze insurance changes","confidence_score":0.08373675}]},{"text":"we can just reduce the benefit period from sixty five to, like, five years or two years. Yeah.","start_word":1328,"end_word":1345,"intents":[{"intent":"Reduce benefit period","confidence_score":0.09328949}]},{"text":"I just wanted to be guided by you in terms of out of pocket affordability. Do you want me to try and cap it at, like, $50 a month, a $100 a month?","start_word":1636,"end_word":1668,"intents":[{"intent":"Guide by pricing","confidence_score":0.025501715}]},{"text":"What would be a reasonable amount for you?","start_word":1669,"end_word":1676,"intents":[{"intent":"Specify service amount","confidence_score":0.000012442982}]},{"text":"If no one's willing to offer at that price, yeah, look just look to trim down the amount. Yep.","start_word":1804,"end_word":1822,"intents":[{"intent":"Mention cost reduction","confidence_score":0.0018105675}]},{"text":"If no one's willing to offer at that price, yeah, look just look to trim down the amount. Yep. Okay.","start_word":1804,"end_word":1823,"intents":[{"intent":"Suggest price adjustment","confidence_score":0.0000023216587}]},{"text":"And one of the things I might even look at is there's a couple of insurers that offer complimentary child trauma inside the policy, Yeah. Okay.","start_word":1826,"end_word":1851,"intents":[{"intent":"Discuss insurance options","confidence_score":0.0021443937},{"intent":"Explain insurance provider options","confidence_score":0.000031573538}]},{"text":"and that would give similar benefits to the children. Yep.","start_word":1852,"end_word":1861,"intents":[{"intent":"Explain benefits","confidence_score":0.00373915}]},{"text":"So if they get some serious diagnosis like a bacterial meningitis or Yeah.","start_word":1862,"end_word":1874,"intents":[{"intent":"Ask about bacterial meningitis or glaucoma","confidence_score":0.000001341473}]},{"text":"And just make it super easy for you. I'm pretty much gonna put all the recommendations into your advice document, and I'll put a box at the bottom where we can go through the document together, and you Yep. can write if you wanna vary the recommendations, go ahead with this, but not that. And then you can just kind of see what you're comfortable with. Yeah.","start_word":2200,"end_word":2266,"intents":[{"intent":"Offer guidance","confidence_score":0.00014974407}]},{"text":"Now just to kind of get that finalized, like, I can obviously just shoot it off to you as soon as it's done, but I do wanna just take a few minutes to run through it with you. Is there Yep.","start_word":2274,"end_word":2314,"intents":[{"intent":"Finalize finalization","confidence_score":0.09016466}]},{"text":"a good day or time possibly towards the end of next week or the week after that I can kind of book in with you for a $15.20?","start_word":2315,"end_word":2342,"intents":[{"intent":"Book time","confidence_score":0.017567664}]},{"text":"a good day or time possibly towards the end of next week or the week after that I can kind of book in with you for a $15.20? Maybe the week after.","start_word":2315,"end_word":2346,"intents":[{"intent":"Confirm availability","confidence_score":0.022204487}]},{"text":"I'll book you in for just after lunchtime on the Thursday, and I will actually send you the documents ahead of time just so you've got it there to Yeah. to either read through. Yep. You can take it if you're comfortable with everything, but if not, I'll just run through with you and make sure I've explained all the pros and cons before you go ahead with anything. Yeah.","start_word":2429,"end_word":2498,"intents":[{"intent":"Discuss documents","confidence_score":0.052565366}]},{"text":"Let's I'll I won't take anything until we have a consultation. Yep. Easy done.","start_word":2500,"end_word":2513,"intents":[{"intent":"Inquire about consultation","confidence_score":0.0063947807}]},{"text":"That sounds good. Awesome, Daniel.","start_word":2575,"end_word":2579,"intents":[{"intent":"Express gratitude","confidence_score":0.16266969}]},{"text":"That sounds good. Awesome, Daniel. Mate, any other questions for me before I let you go? No. I think I'm I'm all good. Fantastic. Right?","start_word":2575,"end_word":2599,"intents":[{"intent":"Confirm understanding","confidence_score":0.017694224}]},{"text":"Awesome, Daniel. Mate, any other questions for me before I let you go? No.","start_word":2578,"end_word":2591,"intents":[{"intent":"Answer questions","confidence_score":0.036787994}]}]},"sentiments":{"segments":[{"text":"Hello. It's Daniel. Good morning, Daniel. It's Tommy here from Oakview, mate. How are you doing this phone Friday? Yeah.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.17743657529354095},{"text":"Good, Tommy. How are you? Living the dream.","start_word":20,"end_word":27,"sentiment":"positive","sentiment_score":0.41069144010543823},{"text":"I'm sun hasn't come out yet. It's all freezing and raining.","start_word":28,"end_word":38,"sentiment":"neutral","sentiment_score":0.05900249257683754},{"text":"So, otherwise, beautiful.","start_word":39,"end_word":41,"sentiment":"positive","sentiment_score":0.3843309283256531},{"text":"What about you? Yeah. That's the same. I've got two young kids, so I've been up since for a little while now. You know, doing the usual thing. So yeah.","start_word":42,"end_word":71,"sentiment":"neutral","sentiment_score":0.09421924501657486},{"text":"Oh, good Dream fun. as well. Congratulations, mate. Congratulations. Thank you.","start_word":72,"end_word":82,"sentiment":"positive","sentiment_score":0.5624886751174927},{"text":"I I just had a daughter born three weeks ago as well, and Oh, congratulations.","start_word":83,"end_word":97,"sentiment":"neutral","sentiment_score":0.2037319839000702},{"text":"she was up thank you.","start_word":98,"end_word":102,"sentiment":"positive","sentiment_score":0.47067293524742126},{"text":"Up four times last night. So if I am exploring my words, please let me know, and Hey. I will repeat myself. Don't worry about it. My daughter's five weeks old, and, yeah, I think we'll make about as much sense as each other. So that's all fine.","start_word":103,"end_word":150,"sentiment":"neutral","sentiment_score":0.07570622861385345},{"text":"Fantastic, mate.","start_word":151,"end_word":152,"sentiment":"positive","sentiment_score":0.6256144642829895},{"text":"So I'm just gonna do a quick security check with you, Yep. and then I have all the notes on your account and a few ideas for you. So I'm just gonna start with your date of birth Great. and address, please. Sure. Date of birth is the 03/08/1987, and my address is 20 Phillips Street in Coburg, Victoria. Sensational. And I'm registered with Aptive as adviser 1273105. Are you okay Yep. for this call to be recorded? Yes. That's fine.","start_word":153,"end_word":233,"sentiment":"neutral","sentiment_score":0.08943907916545868},{"text":"Fantastic.","start_word":234,"end_word":234,"sentiment":"positive","sentiment_score":0.5674087405204773},{"text":"Now, mate, with all of the the good news and everything, I had a few notes here from Michelle who is basically just talking about your email just to get your portfolio updated in Yep. the super, but also you were looking at a bit of insurances as well, just a bit of a top up and a few things there. Is that right? Yeah. That's correct. Cool. Cool.","start_word":235,"end_word":303,"sentiment":"neutral","sentiment_score":0.1756192147731781},{"text":"So the good news is we pretty much have a plan built for you and a portfolio picked out. It's Great. basically 90% finished, and I only had a couple of questions before I finish it off and send it through to you if that's alright.","start_word":304,"end_word":349,"sentiment":"positive","sentiment_score":0.4591181576251984},{"text":"Yeah. Sure. So just with a few changes that have happened since February, March with obviously, the markets and the world kind of exploding, Yeah. we're kind of pivoting a little bit in our investments based on the last committee discussion that we had. And I've been Mhmm. talking with our investment committee for not only replacements for that Benelon option, but also a few other things that the government changed legislation on as well. Yeah. Exactly. So underneath the hood, something that not many people know is a few products out in the market are actually getting phased out. Things like bank hybrids, which just the government's basically banning, and all the fund managers have to kind of change their product. So I'm doing a few extra switch outs, not just for the Benelon option. I'm gonna switch about two or three options there for you. Okay. Now what I wanted to ask you was we were considering I was talking with Kyle, and we were considering possibly looking at a bit of a a active portfolio for you, which So the what the Benelon was that? we're looking at a bit of a passive portfolio in investment style. Reason for that is the Benelon option is a it's an active fund. Okay. So you pay Mhmm. a bit more higher fees to try and get a higher return, and they just haven't been kind of keeping up with the pack the last six months Yep. and a little bit longer too. Now I do have some active options available that are much better, but I did wanna just ask you if you would be okay to consider a bit of a switch in the style and go for something a bit more lower fees. Yeah. Look.","start_word":350,"end_word":647,"sentiment":"neutral","sentiment_score":0.011580749414861202},{"text":"I'm I'm up for up for that. Yeah. If if it works out better.","start_word":648,"end_word":661,"sentiment":"positive","sentiment_score":0.46300452947616577},{"text":"Yeah. No. I'm up up to switching to a passive style.","start_word":662,"end_word":672,"sentiment":"neutral","sentiment_score":0.11859650909900664},{"text":"Yeah. Cool.","start_word":673,"end_word":674,"sentiment":"positive","sentiment_score":0.41477441787719727},{"text":"So what it basically means is that with that active portion for the Australian shares, it'll go to more of a low fee ETF, which is a little bit more. I wouldn't call it safe because it's shares, Mhmm. Yeah. but Of course. it's a little bit more follows the market. You're not worrying about the fund manager making a mistake and investing in the wrong company. Yep. Yep. No. That makes sense.","start_word":675,"end_word":747,"sentiment":"neutral","sentiment_score":0.11321894824504852},{"text":"That's fair. So that'll probably reduce those Mhmm. investment fees for that portion by about 80%, and the returns I'm looking at are are just consistent double digits. One, Yep. three, five, ten years, it's looking really good.","start_word":748,"end_word":785,"sentiment":"positive","sentiment_score":0.4470091760158539},{"text":"Mhmm. Now I'll finish that off. I've got a few things to slot into there, and I'll I'll get that sent through to you. But I just wanted to quickly touch base on the insurance side if that's okay. Yeah. Sure. So I'm looking at the details that we sort of updated recently, and Mhmm. I think your income is sitting at a 180,000 at the moment. Still got a bit of that mortgage there. Yep. Now with the birth of your daughter and everything, I just wanted to ask you, are we just trying to focus on increasing your CBD disability cover to cover the mortgage, or are we also trying to get a bit of a buffer for things like lost income as well outside of income protection? The the key thing is to bring the TPD up to the same level of life. Yep. So I think life life's sitting at about a million or 1.2. And the purpose Yes. behind that was to cancel the mortgage if anything happened to me. So, Okay. ideally, to bring PPD up to the same would be good. Okay. The reasoning that it didn't get increased last time was because I had a bit of a health issue when we went about redoing the insurances probably, like, three years ago and Yep. getting it increased. However, they did say to me at the time, they said, oh, look, because it's a kind of a temporary issue, if you can you know, if your health stays good for, I think, it was two years, then that that restriction would no longer be on it. So, yeah, it was just kind of looking to see if we can increase it or if we need to wait Yep. a bit longer.","start_word":786,"end_word":1083,"sentiment":"neutral","sentiment_score":0.01617117031108613},{"text":"Perfect. Okay. Perfect. So we've pretty much gotten responses back from most of the insurers. There's a couple that I'm looking at as well, and Ascend is usually pretty good for it.","start_word":1084,"end_word":1115,"sentiment":"positive","sentiment_score":0.48012059926986694},{"text":"So Mhmm. I'm gonna kind of just analyze that and either increase with the current insurer or maybe even recommend somebody else if they're gonna give you a much better outcome. Yeah. Sure. The question I had for the is on pricing because Yep. to ensure a 180,000 worth of income, it Hey. can get It's pretty Philip. hefty pretty quickly. Yeah. So the way I kind of do a bit of a work back is say, okay. The standard is a thirty day waiting period and Mhmm. age 65 benefit. That's kinda like you're off for a month, income protection kicks in, and it lasts you until the time. That's the main thing for someone in your occupation Yep. because you've got a pretty good occupation rating from what I can see, mostly office space, degree Mhmm. qualified, so you've got a really good rating. Now if that ends up being four or five thousand dollars, I'm gonna kind of work it back a little bit. Yeah. Now what we can do there is we can do other two things. We can kick out the waiting period to say, okay. You're okay to maybe wait sixty or ninety days if Mhmm. you have enough leave and cash savings there, or Yep. we can just reduce the benefit period from sixty five to, like, five years or two years. Yeah. Do you have Okay. a leaning between the two? Probably look to decrease the benefit period. Like, if in the event that something does happen and I do need to dive into it, probably after about two or five years, I'll probably look to go to TPD and claim on TPD anyway. That's exactly what I was thinking. Yeah. So that's probably the way I'm leaning there. And, Yep. I mean, my my issue is I've just changed jobs. So in terms of leave, I don't have a lot of leave.","start_word":1116,"end_word":1436,"sentiment":"neutral","sentiment_score":0.020530358676412768},{"text":"I've got none. And, obviously, it takes a lot of build it up. So, yeah, blowing out that wait period might be problematic.","start_word":1437,"end_word":1459,"sentiment":"negative","sentiment_score":-0.39045974612236023},{"text":"Yeah. Yeah. Okay. So I'll keep it at the thirty days, and I'll work my way back on the benefit period instead. Yeah. Yeah. That'll So be good. to that trauma insurance. Do you remember that one for the heart attack, stroke, and cancer? Yes. I do remember talking to the talking to someone about that. Yep. So the baseline that we usually do is around about 100,000 for, like, medical costs and time for your partner to kind of look after you if something serious was diagnosed, like a cancer or something like that. Yep. Obviously, you may not instantly be CBD from it, but they're serious enough that you kind of wanna, you know, go find the right specialist, spend a bit of time, and kind of deal with that for a few months. Yep. So in terms of pricing, how long is the piece of string on those ones? But Yeah. at age, I think you're, what, 38 now? 39. Yeah. 39. So it'll start getting up there in your forties, and Yep. I just wanted to be guided by you in terms of out of pocket affordability. Do you want me to try and cap it at, like, $50 a month, a $100 a month? What would be a reasonable amount for you? What in terms of forwarding it? I'm not yeah. In all honesty, not too sure. Yep. Is this something that can come out of super, or is it something that has to be paid outside of it? This is the only one that has to be out of pocket. Yeah. Okay. Per yeah. Look. If you can cap it at 50 a month, yeah, that's probably, yeah, pretty reasonable. Yep. Yep. Now one thing that I can do is if we quote for a 100,000 and nobody is under 50 a month, I can either Yep. just not recommend it at all or Yep. I can just trim it down and say, let's go for 75, 50,000 or something like that. What would be your preference? Yeah. If no one's willing to offer at that price, yeah, look just look to trim down the amount. Yep. Okay. Easy done. And one of the things I might even look at is there's a couple of insurers that offer complimentary child trauma inside the policy, Yeah. Okay. and that would give similar benefits to the children. Yep. So if they get some serious diagnosis like a bacterial meningitis or Yeah. glaucoma or just all those things that you don't expect, Mhmm. there's small amounts that can pop out for that as well. Yeah.","start_word":1460,"end_word":1897,"sentiment":"neutral","sentiment_score":0.028584793178134994},{"text":"That's great.","start_word":1898,"end_word":1899,"sentiment":"positive","sentiment_score":0.6113900542259216},{"text":"I mean, if if we Yep. you know, if if the number comes in, you know, it's $60 a month or, you know, something like that to keep it at a 100 gig, then that's that's fine. We can go up to that as well. Yeah. I just Yep. don't know what what sort of combination looks like. Yeah. No.","start_word":1900,"end_word":1959,"sentiment":"neutral","sentiment_score":0.1875263347600897},{"text":"That's awesome. I'll I'll make a bit of a recommendation and have a few variations that you Yep.","start_word":1960,"end_word":1977,"sentiment":"positive","sentiment_score":0.4490726590156555},{"text":"could pick from. One of the things is, like, one of my boys, I've got three kids, and my second was born with, like, glaucoma. So Yeah. Right. my lifelong eye condition, you know, legally blind, that kind of thing. And it's one of Yeah. those ones where if you can get $10 from an insurer up front, it means that you guys can go book in a hotel at the hospital, stay there for a couple of nights doing checks and surgeries and things like that. So Yeah. it's it's little things like that that I might see might add in. Yeah. It'll fit. And there are things that, yeah, we'd we'd hope. Yeah. We'd look for. Yeah. Yeah. Yeah. No. That's that's a good point. Hey. That just kinda narrows down the providers for me. Yep.","start_word":1978,"end_word":2115,"sentiment":"neutral","sentiment_score":0.10404159128665924},{"text":"Awesome. So I've got a pretty good idea.","start_word":2116,"end_word":2123,"sentiment":"positive","sentiment_score":0.5355623364448547},{"text":"I can finish everything off in terms of I'm just gonna clarify the insurance underwriting first before I Mhmm. pick somebody, Yep.","start_word":2124,"end_word":2145,"sentiment":"neutral","sentiment_score":0.2650732100009918},{"text":"and then I'm pretty well good to go.","start_word":2146,"end_word":2153,"sentiment":"positive","sentiment_score":0.426238626241684},{"text":"Do you have any questions for me at this point? No. No. Not at this point. Yeah. I assume you just send me a proposal on on what you've kind of tell and what you've picked, and, yeah, we'll just make a selection from there. Yeah.","start_word":2154,"end_word":2199,"sentiment":"neutral","sentiment_score":0.03970573842525482},{"text":"And just make it super easy for you.","start_word":2200,"end_word":2207,"sentiment":"positive","sentiment_score":0.4098658561706543},{"text":"I'm pretty much gonna put all the recommendations into your advice document, and I'll put a box at the bottom where we can go through the document together, and you Yep. can write if you wanna vary the recommendations, go ahead with this, but not that. And then you can just kind of see what you're comfortable with. Yeah. Sure. No.","start_word":2208,"end_word":2268,"sentiment":"neutral","sentiment_score":0.1789882332086563},{"text":"That that sounds good. Cool.","start_word":2269,"end_word":2273,"sentiment":"positive","sentiment_score":0.7521674633026123},{"text":"Now just to kind of get that finalized, like, I can obviously just shoot it off to you as soon as it's done, but I do wanna just take a few minutes to run through it with you. Is there Yep. a good day or time possibly towards the end of next week or the week after that I can kind of book in with you for a $15.20? Maybe the week after. Yep. Yeah. Just because I'm yeah. Yeah. It it tied down next week. Yeah. If we can go the week after, yeah, really, any any time, any day should be fine. Anytime, any day. Purity. So what I might do is just so it's in I know you can't really say a preference there, but morning or afternoon for you guys? Probably afternoon. Afternoon. Cool. Cool. So just to make sure I've got enough time for it, what I'll do is Mhmm. I'll book you in for just after lunchtime on the Thursday, and I will actually send you the documents ahead of time just so you've got it there to Yeah. to either read through. Yep. You can take it if you're comfortable with everything, but if not, I'll just run through with you and make sure I've explained all the pros and cons before you go ahead with anything. Yeah. Yeah. Let's I'll I won't take anything until we have a consultation. Yep. Easy done. So I'll put in for about 12:00 on Thursday of the night. Yep. If there's anything else we need, I'll get the team to reach out to you, but I think we're pretty well good to go from all the previous information that we used in your last conversation. Mhmm. So I should be okay there as well. Yeah.","start_word":2274,"end_word":2572,"sentiment":"neutral","sentiment_score":0.1276755332946777},{"text":"Great.","start_word":2573,"end_word":2573,"sentiment":"positive","sentiment_score":0.3882877826690674},{"text":"No.","start_word":2574,"end_word":2574,"sentiment":"neutral","sentiment_score":0.28343474864959717},{"text":"That sounds good. Awesome, Daniel.","start_word":2575,"end_word":2579,"sentiment":"positive","sentiment_score":0.4852847754955292},{"text":"Mate, any other questions for me before I let you go? No.","start_word":2580,"end_word":2591,"sentiment":"neutral","sentiment_score":0.2676104009151459},{"text":"I think I'm I'm all good. Fantastic.","start_word":2592,"end_word":2598,"sentiment":"positive","sentiment_score":0.4017161428928375},{"text":"Right?","start_word":2599,"end_word":2599,"sentiment":"neutral","sentiment_score":0.32905256748199463},{"text":"Well, enjoy the baby bubble, and No worries.","start_word":2600,"end_word":2607,"sentiment":"positive","sentiment_score":0.46036553382873535},{"text":"I shall talk to you in a fortnight. No worries.","start_word":2608,"end_word":2617,"sentiment":"neutral","sentiment_score":0.25048768520355225},{"text":"Thanks very much, Tommy. Thanks. Have a good one. Bye.","start_word":2618,"end_word":2627,"sentiment":"positive","sentiment_score":0.7192735075950623},{"text":"No worries. You too. Bye.","start_word":2628,"end_word":2632,"sentiment":"neutral","sentiment_score":0.23022805154323575}],"average":{"sentiment":"neutral","sentiment_score":0.1059070215870602}}}}