{"metadata":{"transaction_key":"deprecated","request_id":"019d6bc4-4719-7d31-9375-d72f645bd371","sha256":"ef3878856a52972c073a5bad6fa760bb035834d6a34c768b506ceb35e1092817","created":"2026-04-08T06:25:21.501Z","duration":1300.6799,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5616,"output_tokens":126},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6361,"output_tokens":6374},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6361,"output_tokens":546}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Stacy. It's Kyle calling from IP Financial. How are you today? Yeah. Not too bad, bro. Thanks for asking. I did schedule you in for a bit of a catch up today. Not a problem at all. Just to confirm your details there, Stacy, if I could just pass you security with that name, date of birth, and current address. Perfect. Thank you, Donna. I'll just let you know these calls are recorded for quality and training purposes there as well. Now I know we had a brief discussion the other week there, and then just given the deduction that was coming out of your super, I just wanted to have a look to see if we could find that policy. Now we did send that third party authority off to Clearview that was, like, taking the rollover from your fund, and it did come up that you do hold a life and TPD policy with Clearview. So upon reviewing that because the policy was taken out in 2022. Now with that one there, the mental health exclusion is on the total parent disability, but there is no mention of your Crohn's. So when were you diagnosed with your Crohn's? 2019. And did you like, I know it's it's a while ago now. Did you remember sort of disclosing that you had Crohn's on that insurance application? Or Yeah. So within regards to host plus fund, because it is group insurance, because that one, like, the fund itself predates you actually having Crohn's. It just means that if you were to sort of have an event to where you couldn't potentially work due to your Crohn's, the income protection policy might cover that. And then same with the total parent disability, if you were never able to work due to your Crohn's because group insurance is underwritten at the time of claim. And if your insurance predates that condition, there's a good chance that that might pay out. Whereas taking out a policy after the fact you're diagnosed with something, technically, they pre assess it at the time of, like, the actual application to exclude anything that may be already preexisting. And then just because you haven't mentioned the Crohn's with that Clearview policy, there is a chance that it might be a nondisclosure if you didn't actually disclose it to that insurer when taking out that policy, which could affect that. You you don't wanna sorta mention it to him or anything like that? You're happy just leaving it as is and leaving that policy alone? Okay. Yeah. No. That's completely understand. It is up to you at the end of the day if you did want to disclose that to them. The options with that one as well, just because we're not the adviser on the policy, so you could have it to where we take over the policy or you could just leave it where it is, and then we just keep the third party authority and then just keep doing it as it is. And then just and then there's also of the option of changing the rollover from your current host plus to your other fund that we manage there as well at Hub twenty four, or you can keep your insurances in the one places, keep it under your own management. And then because with that with us taking out, I'm not too sure what adviser because, obviously, he's an adviser that's set up with Clearview, what their ongoings or anything are. With that, if we take over the policy, we take a 22% of the the premium as an ongoing fee for management. Or as I said, you can leave it alone as is where it is as a but it wouldn't they didn't disclose to us who the adviser was, what their ongoing commission was, or anything like that either. I believe initially so in 20 '24, I believe you came on board. So a few years with us, and then '20 '22 is when you took out that insurance policy. So within regards to that, like, we can obviously take over the policy. There's still that potential nondisclosure there. If we were to look to market and do sort of like a similar policy and look at just rewriting it, there would likely be a loading or an exclusion for your krones in addition to that. Yeah. Yes. Yeah. So there there is a option that we just take over the policy, and then there is the risk that, like, you might not be paying a commission to an adviser at the moment if they're somewhat removed or not, and then you would be with us, which may change the the premiums, or we can look to rewrite entirely. And then I know you're not too worried about the the krones or anything like that. It would likely be a loading or exclusion, which means your policy would be more expensive if it's a loading. If an exclusion, it doesn't matter as much. Just excluded, whereas the loading is still covered for the condition, but it does just cost more at the end of the day. So we can look at doing that and looking at what the market would offer, and then we can also just take over that policy and keep it with us and even change the the rollover to hub 24 so you don't have to worry about paying for it out of the host plus either. It's mainly just covering those insurances you do hold in there. Yep. And would the and then saying that, do you wanna see what the market's willing to offer in terms of that, or do you just want us to take over? Yep. Yeah. As long as it's a policy predated your Crohn's, I would a 100% just be, like, keep your that current policy and then probably just look at taking it over. But given that phones likely predates this policy, it looks like it's just an yeah. It's just a nondisclosure. Yeah. And then the the risk with that too is, like, even though you're insured for the million dollars and it doesn't normally apply to, like, life and that, if it did come about where you had some sort of complicate I know it's sort of it's well managed and everything. If something did occur from that, they could go look and didn't disclose this to us. So we wouldn't have given another policy, and that's sort of a way for them to back out of those policies as well when there is those non disclosures even though it's a little bit, you know, of a cop out for them. It is a way they can wriggle out of contracts if there are nondisclosures on policies, which is a risk you have when sort of having that as well. Or sometimes they just go, it wasn't related to the Crohn's. We'll still pay it. That's just up to the insurer at the end of the day what they're willing to do. Yep. It it's Crohn's is a hard one and sort of like those IVS sort of deals because, like, it can be anywhere from, like, very mild to, like, very severe. Like, it is something that, like, complications can lead to, like, death if it's very, very severe, or it can be as simple as, like, you just have, you know, a little bit of gas and bloating. That like, that's the the spectrum. And as far as, like, what they're willing to offer in that, it's sort of up to the insurer. And then sometimes they'll request, like, sorta medical records on that. And then it can be a bit of a back and forward with that as well for you to sort of show that, like, yes. I am fine. It's well managed. I don't really have any ongoing flare ups, things like that as well. Okay. The checkups. Yeah. The yeah. Yep. Yeah. Under understandable. Yeah. We could still do the pre assessment process where I book you and with one of my colleagues and they go through and you just go through the list of questions of what you know about your current conditions and everything like that. That's including, like, mental health, anything past, a bit of family history, and your bit more about your occupation. And then they can blindly send that off to the insurer, and they can just we can wait a few weeks and see what they come back with and if what the sort of requirements would be, and then you could make a bit of a decision if you wanna proceed with Yeah. While this is all going on, that all still stays there. The only thing at the moment is that your money is obviously sitting in host plus that you wanted to roll over, but it's not a huge deal with the way the markets are. Anything, if anything, moving money at the moment, it's a little bit more volatile. So, you know, a few weeks' time, the wall might be finished and things might steady out a little bit. So you don't have to worry about yeah. Crude oil and everything could be a bit of a jump. Funnily enough, like, no one's actually you know, if you wanna invest in it now, you kinda missed the boat. You're jumping in at the high. So yeah. But in saying that, the markets are you know, with the ceasefire and everything that was announced today, they have shown a few positive days in the past week there. So, hopefully, things are coming to a bit of a conclusion and things are sitting out a little bit as well, and everything's getting back to normal a bit. I I can imagine. Yeah. I have a few family, friends, and everything that even just getting to the The UK, they're having to go through, like, Singapore, and the the flights have gone up tenfold because there's only, like, a few flights that go out of there, and it's just mayhem. Okay. Yeah. Without Doha and Dubai, there's not many stopovers in that sort of region. What? Yeah. I'm sure it's keeping you busy. In saying that the is there a time that sort of works for you in terms of, like, doing this pre assessment with one of my colleagues in getting that done to be able to send off? Yep. I'll just have a look and see who is available. Bear with me. Yeah. So I do have the person that would be doing it working at a bit of a late day. So anything you know? I think daylight savings finished now. So we're on the same time clock, but I can do something around 05:00 there or 4PM if that works for you. Okay. Yeah. I'll check-in for for three. And if you are a little bit busy with the the mayhem, you can just say give me a callback a bit later. Perfect. I'll check that in now. And as I said, they'll just go a little bit more into, like, your occupational duties, which isn't, like, a huge thing because you they're not exactly in a risky occupation. A little bit about your own history, family history, and then, like, as long as you it even says on your Clearview policy that your if five years no symptoms, it was reviewable just due to the postnatal depression. So there's a chance that if you do disclose everything regards to it just being postnatal depression, there's no sort of ongoing stress, depression symptoms, things like that, that it might not be an exclusion because it was related to the pregnancy time. So there's a chance that on your policy that might not apply. I'm not saying a 100% because mental health exclusion say you can say you're stressed at work on the day, and then they'll throw it on there just because it is one of the more claimed on things, which is yeah. So as long as, you know, there's no ongoing symptoms, obviously, you know, work is stressful in general. But if it's not related to, you know, you taking time off seeking help and things like that, you know, as soon as you mention it in a way that I'm stressed at work, it will be an exclusion, which is unfortunate. But yeah. So as long as you disclose everything with that in regards to your your Crohn's, they'll be able to send that off, see how insurance will rate you and what they might come back with and what, like, requirements they would have, and then you can make a decision whether or not you wanna revisit cover and doing a top up that way. Perfect. Yep. Yeah. The likelihood that they'll cover, like, they like I said, they could cover and, like, have the loading, but then you're paying more. But, yeah, that's probably on the the rare side. It's likely it's gonna be some form of exclusion relating to the krones. And then you probably still wanna keep it. But I say, like, once we get the results back, you'll even be able to know, like because ClearViews will be one of the people we look at it with, how they'll rate it. And even if it just comes down to you just wanting to disclose to ClearView that you didn't disclose it in the the past and seeing how they'll accept it now that you're disclosing it, now that you're aware of it, and seeing what that might be in terms of, like, costs and exclusions and things like that, and then just maintaining that policy or going back to market. Even that it's a few years older, the policy, likelihood that it's like, there's a cheaper policy out there is a lot higher. And if it comes back with the the mental health and then the exclusion, it's no different to a policy that you have now currently because the likelihood it would have been exclusion on that policy anyway is pretty, pretty high. Not a problem. Well, I've got you booked in, yeah, next week for that that pre assessment there, and then I'll be able to run through that. I would say it'll probably take a few weeks. The insurers are quite slow. And then following that, we can let you know the the results of that and then have a full discussion around everything you wanna achieve and your goals and everything and put it all in an advice piece for you. Yeah. I didn't mention it. Is that something you're sort of leaning towards more? I I noticed in the next twelve months in the Sunshine Coast, but I wasn't sure if you Yep. Okay. And just accurate, you're not, like, paying a huge buyer's premium for them finding the property or anything like that? Yeah. Okay. Okay. Yep. Yeah. Yeah. It just comes down to a bit, like, of a a convenience thing. Like you said, if you're not willing to, like, put in the work to to look for it. Obviously, a mortgage broker does the loan side of things, but in terms of, like, picking a property, they'll give you some, like, insights and things like that. Their buyer's agent will obviously, you know, put the effort into finding an actual property and, like I said, if they're willing to manage it or not. What that looks like, sometimes they do it like a percentage of, like, the purchase price, which can, you know, make it quite exorbitant. Then sometimes, you know, you end up, like, with a 50 k bill at the end of it just for them doing that and finding a property. But if you're more than sort of happy with that price, obviously, there's a bit of a sum. But at the time end of time, if it's a convenience that you're willing to to pay for, that's up to you at the at the end of the day. And then Yeah. And if that takes the yeah. If it if they do all that and everything, you don't have to worry about a a lawyer or anything like that with that service and the buying of the property. If that's all included, it does sort of reduce that cost at the end of the day as well if they're reading through all the contracts and everything. So, yeah, if you're happy with that that price, obviously, it just depends on what service you get. I couldn't sort of say on or not whether or not, like, what the you're actually getting out of it, but it it sounds like not not too bad compared to some of the ones out there. Yep. Okay. Well, that that's good to hear that, Stacy. Yeah. Well, I've got you you booked in for that, and then we'll be able to run through all those updates and everything when you get back in touch with us when we get those results. And then, have a discussion on what you actually wanna do with that insurance, whether you wanna wanna keep that policy. Obviously, the the host plus is probably likely to to stay given everything, but, yeah, that the external policy can definitely be reviewed. No problem. Is there anything else you wanna have a chat about while you've got me there? Not a problem at all. Well, you enjoy the rest of your afternoon. Good luck with everything in the meantime. Hopefully, this will end soon for you. Thanks. Have a good one, Susan. Bye now. 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afternoon, Stacy. It's Kyle calling from IP Financial. How are you today? Yeah. Not too bad, bro.\n\nThanks for asking. I did schedule you in for a bit of a catch up today. Not a problem at all. Just to confirm your details there, Stacy, if I could just pass you security with that name, date of birth, and current address. Perfect.\n\nThank you, Donna. I'll just let you know these calls are recorded for quality and training purposes there as well. Now I know we had a brief discussion the other week there, and then just given the deduction that was coming out of your super, I just wanted to have a look to see if we could find that policy. Now we did send that third party authority off to Clearview that was, like, taking the rollover from your fund, and it did come up that you do hold a life and TPD policy with Clearview. So upon reviewing that because the policy was taken out in 2022.\n\nNow with that one there, the mental health exclusion is on the total parent disability, but there is no mention of your Crohn's. So when were you diagnosed with your Crohn's? 2019. And did you like, I know it's it's a while ago now. Did you remember sort of disclosing that you had Crohn's on that insurance application?\n\nOr Yeah. So within regards to host plus fund, because it is group insurance, because that one, like, the fund itself predates you actually having Crohn's. It just means that if you were to sort of have an event to where you couldn't potentially work due to your Crohn's, the income protection policy might cover that. And then same with the total parent disability, if you were never able to work due to your Crohn's because group insurance is underwritten at the time of claim. And if your insurance predates that condition, there's a good chance that that might pay out.\n\nWhereas taking out a policy after the fact you're diagnosed with something, technically, they pre assess it at the time of, like, the actual application to exclude anything that may be already preexisting. And then just because you haven't mentioned the Crohn's with that Clearview policy, there is a chance that it might be a nondisclosure if you didn't actually disclose it to that insurer when taking out that policy, which could affect that. You you don't wanna sorta mention it to him or anything like that? You're happy just leaving it as is and leaving that policy alone? Okay.\n\nYeah. No. That's completely understand. It is up to you at the end of the day if you did want to disclose that to them. The options with that one as well, just because we're not the adviser on the policy, so you could have it to where we take over the policy or you could just leave it where it is, and then we just keep the third party authority and then just keep doing it as it is.\n\nAnd then just and then there's also of the option of changing the rollover from your current host plus to your other fund that we manage there as well at Hub twenty four, or you can keep your insurances in the one places, keep it under your own management. And then because with that with us taking out, I'm not too sure what adviser because, obviously, he's an adviser that's set up with Clearview, what their ongoings or anything are. With that, if we take over the policy, we take a 22% of the the premium as an ongoing fee for management. Or as I said, you can leave it alone as is where it is as a but it wouldn't they didn't disclose to us who the adviser was, what their ongoing commission was, or anything like that either. I believe initially so in 20 '24, I believe you came on board.\n\nSo a few years with us, and then '20 '22 is when you took out that insurance policy. So within regards to that, like, we can obviously take over the policy. There's still that potential nondisclosure there. If we were to look to market and do sort of like a similar policy and look at just rewriting it, there would likely be a loading or an exclusion for your krones in addition to that. Yeah.\n\nYes. Yeah. So there there is a option that we just take over the policy, and then there is the risk that, like, you might not be paying a commission to an adviser at the moment if they're somewhat removed or not, and then you would be with us, which may change the the premiums, or we can look to rewrite entirely. And then I know you're not too worried about the the krones or anything like that. It would likely be a loading or exclusion, which means your policy would be more expensive if it's a loading.\n\nIf an exclusion, it doesn't matter as much. Just excluded, whereas the loading is still covered for the condition, but it does just cost more at the end of the day. So we can look at doing that and looking at what the market would offer, and then we can also just take over that policy and keep it with us and even change the the rollover to hub 24 so you don't have to worry about paying for it out of the host plus either. It's mainly just covering those insurances you do hold in there. Yep.\n\nAnd would the and then saying that, do you wanna see what the market's willing to offer in terms of that, or do you just want us to take over? Yep. Yeah. As long as it's a policy predated your Crohn's, I would a 100% just be, like, keep your that current policy and then probably just look at taking it over. But given that phones likely predates this policy, it looks like it's just an yeah.\n\nIt's just a nondisclosure. Yeah. And then the the risk with that too is, like, even though you're insured for the million dollars and it doesn't normally apply to, like, life and that, if it did come about where you had some sort of complicate I know it's sort of it's well managed and everything. If something did occur from that, they could go look and didn't disclose this to us. So we wouldn't have given another policy, and that's sort of a way for them to back out of those policies as well when there is those non disclosures even though it's a little bit, you know, of a cop out for them.\n\nIt is a way they can wriggle out of contracts if there are nondisclosures on policies, which is a risk you have when sort of having that as well. Or sometimes they just go, it wasn't related to the Crohn's. We'll still pay it. That's just up to the insurer at the end of the day what they're willing to do. Yep.\n\nIt it's Crohn's is a hard one and sort of like those IVS sort of deals because, like, it can be anywhere from, like, very mild to, like, very severe. Like, it is something that, like, complications can lead to, like, death if it's very, very severe, or it can be as simple as, like, you just have, you know, a little bit of gas and bloating. That like, that's the the spectrum. And as far as, like, what they're willing to offer in that, it's sort of up to the insurer. And then sometimes they'll request, like, sorta medical records on that.\n\nAnd then it can be a bit of a back and forward with that as well for you to sort of show that, like, yes. I am fine. It's well managed. I don't really have any ongoing flare ups, things like that as well. Okay.\n\nThe checkups. Yeah. The yeah. Yep. Yeah.\n\nUnder understandable. Yeah. We could still do the pre assessment process where I book you and with one of my colleagues and they go through and you just go through the list of questions of what you know about your current conditions and everything like that. That's including, like, mental health, anything past, a bit of family history, and your bit more about your occupation. And then they can blindly send that off to the insurer, and they can just we can wait a few weeks and see what they come back with and if what the sort of requirements would be, and then you could make a bit of a decision if you wanna proceed with Yeah.\n\nWhile this is all going on, that all still stays there. The only thing at the moment is that your money is obviously sitting in host plus that you wanted to roll over, but it's not a huge deal with the way the markets are. Anything, if anything, moving money at the moment, it's a little bit more volatile. So, you know, a few weeks' time, the wall might be finished and things might steady out a little bit. So you don't have to worry about yeah.\n\nCrude oil and everything could be a bit of a jump. Funnily enough, like, no one's actually you know, if you wanna invest in it now, you kinda missed the boat. You're jumping in at the high. So yeah. But in saying that, the markets are you know, with the ceasefire and everything that was announced today, they have shown a few positive days in the past week there.\n\nSo, hopefully, things are coming to a bit of a conclusion and things are sitting out a little bit as well, and everything's getting back to normal a bit. I I can imagine. Yeah. I have a few family, friends, and everything that even just getting to the The UK, they're having to go through, like, Singapore, and the the flights have gone up tenfold because there's only, like, a few flights that go out of there, and it's just mayhem. Okay.\n\nYeah. Without Doha and Dubai, there's not many stopovers in that sort of region. What? Yeah. I'm sure it's keeping you busy.\n\nIn saying that the is there a time that sort of works for you in terms of, like, doing this pre assessment with one of my colleagues in getting that done to be able to send off? Yep. I'll just have a look and see who is available. Bear with me. Yeah.\n\nSo I do have the person that would be doing it working at a bit of a late day. So anything you know? I think daylight savings finished now. So we're on the same time clock, but I can do something around 05:00 there or 4PM if that works for you. Okay.\n\nYeah. I'll check-in for for three. And if you are a little bit busy with the the mayhem, you can just say give me a callback a bit later. Perfect. I'll check that in now.\n\nAnd as I said, they'll just go a little bit more into, like, your occupational duties, which isn't, like, a huge thing because you they're not exactly in a risky occupation. A little bit about your own history, family history, and then, like, as long as you it even says on your Clearview policy that your if five years no symptoms, it was reviewable just due to the postnatal depression. So there's a chance that if you do disclose everything regards to it just being postnatal depression, there's no sort of ongoing stress, depression symptoms, things like that, that it might not be an exclusion because it was related to the pregnancy time. So there's a chance that on your policy that might not apply. I'm not saying a 100% because mental health exclusion say you can say you're stressed at work on the day, and then they'll throw it on there just because it is one of the more claimed on things, which is yeah.\n\nSo as long as, you know, there's no ongoing symptoms, obviously, you know, work is stressful in general. But if it's not related to, you know, you taking time off seeking help and things like that, you know, as soon as you mention it in a way that I'm stressed at work, it will be an exclusion, which is unfortunate. But yeah. So as long as you disclose everything with that in regards to your your Crohn's, they'll be able to send that off, see how insurance will rate you and what they might come back with and what, like, requirements they would have, and then you can make a decision whether or not you wanna revisit cover and doing a top up that way. Perfect.\n\nYep. Yeah. The likelihood that they'll cover, like, they like I said, they could cover and, like, have the loading, but then you're paying more. But, yeah, that's probably on the the rare side. It's likely it's gonna be some form of exclusion relating to the krones.\n\nAnd then you probably still wanna keep it. But I say, like, once we get the results back, you'll even be able to know, like because ClearViews will be one of the people we look at it with, how they'll rate it. And even if it just comes down to you just wanting to disclose to ClearView that you didn't disclose it in the the past and seeing how they'll accept it now that you're disclosing it, now that you're aware of it, and seeing what that might be in terms of, like, costs and exclusions and things like that, and then just maintaining that policy or going back to market. Even that it's a few years older, the policy, likelihood that it's like, there's a cheaper policy out there is a lot higher. And if it comes back with the the mental health and then the exclusion, it's no different to a policy that you have now currently because the likelihood it would have been exclusion on that policy anyway is pretty, pretty high.\n\nNot a problem. Well, I've got you booked in, yeah, next week for that that pre assessment there, and then I'll be able to run through that. I would say it'll probably take a few weeks. The insurers are quite slow. And then following that, we can let you know the the results of that and then have a full discussion around everything you wanna achieve and your goals and everything and put it all in an advice piece for you.\n\nYeah. I didn't mention it. Is that something you're sort of leaning towards more? I I noticed in the next twelve months in the Sunshine Coast, but I wasn't sure if you Yep. Okay.\n\nAnd just accurate, you're not, like, paying a huge buyer's premium for them finding the property or anything like that? Yeah. Okay. Okay. Yep.\n\nYeah. Yeah. It just comes down to a bit, like, of a a convenience thing. Like you said, if you're not willing to, like, put in the work to to look for it. Obviously, a mortgage broker does the loan side of things, but in terms of, like, picking a property, they'll give you some, like, insights and things like that.\n\nTheir buyer's agent will obviously, you know, put the effort into finding an actual property and, like I said, if they're willing to manage it or not. What that looks like, sometimes they do it like a percentage of, like, the purchase price, which can, you know, make it quite exorbitant. Then sometimes, you know, you end up, like, with a 50 k bill at the end of it just for them doing that and finding a property. But if you're more than sort of happy with that price, obviously, there's a bit of a sum. But at the time end of time, if it's a convenience that you're willing to to pay for, that's up to you at the at the end of the day.\n\nAnd then Yeah. And if that takes the yeah. If it if they do all that and everything, you don't have to worry about a a lawyer or anything like that with that service and the buying of the property. If that's all included, it does sort of reduce that cost at the end of the day as well if they're reading through all the contracts and everything. So, yeah, if you're happy with that that price, obviously, it just depends on what service you get.\n\nI couldn't sort of say on or not whether or not, like, what the you're actually getting out of it, but it it sounds like not not too bad compared to some of the ones out there. Yep. Okay. Well, that that's good to hear that, Stacy. Yeah.\n\nWell, I've got you you booked in for that, and then we'll be able to run through all those updates and everything when you get back in touch with us when we get those results. And then, have a discussion on what you actually wanna do with that insurance, whether you wanna wanna keep that policy. Obviously, the the host plus is probably likely to to stay given everything, but, yeah, that the external policy can definitely be reviewed. No problem. Is there anything else you wanna have a chat about while you've got me there?\n\nNot a problem at all. Well, you enjoy the rest of your afternoon. Good luck with everything in the meantime. Hopefully, this will end soon for you. Thanks.\n\nHave a good one, Susan. Bye now. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Stacy.","start":2.6399999,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.2542685618003209},{"text":"It's Kyle calling from IP Financial.","start":3.6799998,"end":5.44,"sentiment":"neutral","sentiment_score":0.1276673525571823},{"text":"How are you today?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.1770259328186512},{"text":"Yeah.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.17066088318824768},{"text":"Not too bad, bro.","start":8.24,"end":9.12,"sentiment":"neutral","sentiment_score":0.24610374122858047}],"sentiment":"neutral","sentiment_score":0.1884438544511795,"num_words":18,"start":2.6399999,"end":9.12},{"sentences":[{"text":"Thanks for asking.","start":9.12,"end":9.679999,"sentiment":"positive","sentiment_score":0.5900564591089884},{"text":"I did schedule you in for a bit of a catch up today.","start":9.679999,"end":11.54,"sentiment":"neutral","sentiment_score":0.2868380191234442},{"text":"Not a problem at all.","start":14.335,"end":15.215,"sentiment":"neutral","sentiment_score":0.27133578062057495},{"text":"Just to confirm your details there, Stacy, if I could just pass you security with that name, date of birth, and current address.","start":15.215,"end":20.755001,"sentiment":"neutral","sentiment_score":0.1426130060268485},{"text":"Perfect.","start":28.03,"end":28.35,"sentiment":"positive","sentiment_score":0.5013435482978821}],"sentiment":"neutral","sentiment_score":0.23638189368777804,"num_words":45,"start":9.12,"end":28.35},{"sentences":[{"text":"Thank you, Donna.","start":28.35,"end":28.79,"sentiment":"positive","sentiment_score":0.5064807335535685},{"text":"I'll just let you know these calls are recorded for quality and training purposes there as well.","start":28.79,"end":32.690002,"sentiment":"neutral","sentiment_score":0.2120151046444388},{"text":"Now I know we had a brief discussion the other week there, and then just given the deduction that was coming out of your super, I just wanted to have a look to see if we could find that policy.","start":34.11,"end":42.875,"sentiment":"neutral","sentiment_score":0.036070002056658265},{"text":"Now we did send that third party authority off to Clearview that was, like, taking the rollover from your fund, and it did come up that you do hold a life and TPD policy with Clearview.","start":43.094997,"end":54.875,"sentiment":"neutral","sentiment_score":0.025772265417294368},{"text":"So upon reviewing that because the policy was taken out in 2022.","start":90.62,"end":94.8,"sentiment":"neutral","sentiment_score":-0.06956111391385396}],"sentiment":"neutral","sentiment_score":0.06166265972165598,"num_words":108,"start":28.35,"end":94.8},{"sentences":[{"text":"Now with that one there, the mental health exclusion is on the total parent disability, but there is no mention of your Crohn's.","start":95.604996,"end":102.725,"sentiment":"neutral","sentiment_score":-0.1567152246184971},{"text":"So when were you diagnosed with your Crohn's?","start":102.725,"end":105.865,"sentiment":"neutral","sentiment_score":-0.08581813517957926},{"text":"2019.","start":115.46001,"end":116.200005,"sentiment":"neutral","sentiment_score":-0.03409025818109512},{"text":"And did you like, I know it's it's a while ago now.","start":116.26,"end":119.54,"sentiment":"neutral","sentiment_score":-0.056425333954393864},{"text":"Did you remember sort of disclosing that you had Crohn's on that insurance application?","start":119.54,"end":123.475,"sentiment":"neutral","sentiment_score":-0.03892253738428865}],"sentiment":"neutral","sentiment_score":-0.09563974201165397,"num_words":58,"start":95.604996,"end":123.475},{"sentences":[{"text":"Or Yeah.","start":123.695,"end":144.545,"sentiment":"neutral","sentiment_score":-0.02049328712746501},{"text":"So within regards to host plus fund, because it is group insurance, because that one, like, the fund itself predates you actually having Crohn's.","start":147.885,"end":156.925,"sentiment":"neutral","sentiment_score":0.012571168968861457},{"text":"It just means that if you were to sort of have an event to where you couldn't potentially work due to your Crohn's, the income protection policy might cover that.","start":156.925,"end":166.90999,"sentiment":"neutral","sentiment_score":-0.020939150638878346},{"text":"And then same with the total parent disability, if you were never able to work due to your Crohn's because group insurance is underwritten at the time of claim.","start":166.90999,"end":174.76999,"sentiment":"neutral","sentiment_score":-0.011608380310494324},{"text":"And if your insurance predates that condition, there's a good chance that that might pay out.","start":175.33499,"end":180.69499,"sentiment":"neutral","sentiment_score":0.19320411747321486}],"sentiment":"neutral","sentiment_score":0.02363534467721284,"num_words":101,"start":123.695,"end":180.69499},{"sentences":[{"text":"Whereas taking out a policy after the fact you're diagnosed with something, technically, they pre assess it at the time of, like, the actual application to exclude anything that may be already preexisting.","start":180.69499,"end":192.05,"sentiment":"neutral","sentiment_score":-0.0009033127941868522},{"text":"And then just because you haven't mentioned the Crohn's with that Clearview policy, there is a chance that it might be a nondisclosure if you didn't actually disclose it to that insurer when taking out that policy, which could affect that.","start":192.43001,"end":206.265,"sentiment":"neutral","sentiment_score":-0.03460203077098945},{"text":"You you don't wanna sorta mention it to him or anything like that?","start":215.845,"end":218.565,"sentiment":"negative","sentiment_score":-0.39740822865412784},{"text":"You're happy just leaving it as is and leaving that policy alone?","start":218.565,"end":229.45045,"sentiment":"neutral","sentiment_score":-0.2180172000080347},{"text":"Okay.","start":230.04272,"end":230.54272,"sentiment":"neutral","sentiment_score":-0.26299238204956055}],"sentiment":"neutral","sentiment_score":-0.09493998338468373,"num_words":100,"start":180.69499,"end":230.54272},{"sentences":[{"text":"Yeah.","start":233.69499,"end":234.19499,"sentiment":"neutral","sentiment_score":-0.11829742044210434},{"text":"No.","start":237.295,"end":237.61499,"sentiment":"neutral","sentiment_score":-0.02591051161289215},{"text":"That's completely understand.","start":237.61499,"end":238.81499,"sentiment":"neutral","sentiment_score":0.020197564736008644},{"text":"It is up to you at the end of the day if you did want to disclose that to them.","start":238.81499,"end":241.875,"sentiment":"neutral","sentiment_score":0.014373505115509033},{"text":"The options with that one as well, just because we're not the adviser on the policy, so you could have it to where we take over the policy or you could just leave it where it is, and then we just keep the third party authority and then just keep doing it as it is.","start":242.25499,"end":256.13,"sentiment":"neutral","sentiment_score":0.13593641194430264}],"sentiment":"neutral","sentiment_score":0.09600446901749819,"num_words":80,"start":233.69499,"end":256.13},{"sentences":[{"text":"And then just and then there's also of the option of changing the rollover from your current host plus to your other fund that we manage there as well at Hub twenty four, or you can keep your insurances in the one places, keep it under your own management.","start":256.13,"end":272.015,"sentiment":"neutral","sentiment_score":0.09786456777733199},{"text":"And then because with that with us taking out, I'm not too sure what adviser because, obviously, he's an adviser that's set up with Clearview, what their ongoings or anything are.","start":272.015,"end":281.22,"sentiment":"neutral","sentiment_score":-0.12134054771834804},{"text":"With that, if we take over the policy, we take a 22% of the the premium as an ongoing fee for management.","start":281.22,"end":287.88,"sentiment":"neutral","sentiment_score":-0.005382354963909496},{"text":"Or as I said, you can leave it alone as is where it is as a but it wouldn't they didn't disclose to us who the adviser was, what their ongoing commission was, or anything like that either.","start":288.34,"end":297.695,"sentiment":"neutral","sentiment_score":-0.09910043034898608},{"text":"I believe initially so in 20 '24, I believe you came on board.","start":305.53,"end":314.09,"sentiment":"neutral","sentiment_score":0.0405011222912715}],"sentiment":"neutral","sentiment_score":-0.015188932881440992,"num_words":153,"start":256.13,"end":314.09},{"sentences":[{"text":"So a few years with us, and then '20 '22 is when you took out that insurance policy.","start":314.09,"end":318.955,"sentiment":"neutral","sentiment_score":0.04161066044535902},{"text":"So within regards to that, like, we can obviously take over the policy.","start":327.895,"end":331.80002,"sentiment":"neutral","sentiment_score":0.11314993838851269},{"text":"There's still that potential nondisclosure there.","start":331.80002,"end":333.72,"sentiment":"neutral","sentiment_score":-0.2598208698133628},{"text":"If we were to look to market and do sort of like a similar policy and look at just rewriting it, there would likely be a loading or an exclusion for your krones in addition to that.","start":333.72,"end":344.46002,"sentiment":"neutral","sentiment_score":-0.021953812850689567},{"text":"Yeah.","start":354.825,"end":355.325,"sentiment":"neutral","sentiment_score":0.16315415501594543}],"sentiment":"neutral","sentiment_score":0.00015838596969842912,"num_words":75,"start":314.09,"end":355.325},{"sentences":[{"text":"Yes.","start":377.575,"end":378.075,"sentiment":"positive","sentiment_score":0.5353655815124512},{"text":"Yeah.","start":385.11,"end":385.34998,"sentiment":"neutral","sentiment_score":0.25383293628692627},{"text":"So there there is a option that we just take over the policy, and then there is the risk that, like, you might not be paying a commission to an adviser at the moment if they're somewhat removed or not, and then you would be with us, which may change the the premiums, or we can look to rewrite entirely.","start":385.34998,"end":401.075,"sentiment":"neutral","sentiment_score":0.015467300351398686},{"text":"And then I know you're not too worried about the the krones or anything like that.","start":401.135,"end":404.575,"sentiment":"neutral","sentiment_score":-0.0378333842381835},{"text":"It would likely be a loading or exclusion, which means your policy would be more expensive if it's a loading.","start":404.575,"end":409.055,"sentiment":"neutral","sentiment_score":-0.13507493920624256}],"sentiment":"neutral","sentiment_score":-0.016220371357678454,"num_words":98,"start":377.575,"end":409.055},{"sentences":[{"text":"If an exclusion, it doesn't matter as much.","start":409.055,"end":411.12,"sentiment":"neutral","sentiment_score":-0.07738400949165225},{"text":"Just excluded, whereas the loading is still covered for the condition, but it does just cost more at the end of the day.","start":412.08,"end":418.9,"sentiment":"neutral","sentiment_score":0.22624795657137167},{"text":"So we can look at doing that and looking at what the market would offer, and then we can also just take over that policy and keep it with us and even change the the rollover to hub 24 so you don't have to worry about paying for it out of the host plus either.","start":419.44,"end":435.61502,"sentiment":"positive","sentiment_score":0.3435644888065078},{"text":"It's mainly just covering those insurances you do hold in there.","start":435.61502,"end":438.54,"sentiment":"neutral","sentiment_score":0.014386331831867044},{"text":"Yep.","start":445.18002,"end":445.68002,"sentiment":"neutral","sentiment_score":0.10162564367055892}],"sentiment":"neutral","sentiment_score":0.24225054187129955,"num_words":98,"start":409.055,"end":445.68002},{"sentences":[{"text":"And would the and then saying that, do you wanna see what the market's willing to offer in terms of that, or do you just want us to take over?","start":445.9,"end":451.84,"sentiment":"neutral","sentiment_score":0.01790642769386371},{"text":"Yep.","start":464.53,"end":465.03,"sentiment":"positive","sentiment_score":0.4176354110240936},{"text":"Yeah.","start":471.25,"end":471.75,"sentiment":"neutral","sentiment_score":0.17099979519844055},{"text":"As long as it's a policy predated your Crohn's, I would a 100% just be, like, keep your that current policy and then probably just look at taking it over.","start":471.81,"end":479.11002,"sentiment":"neutral","sentiment_score":0.05197300566360354},{"text":"But given that phones likely predates this policy, it looks like it's just an yeah.","start":479.25,"end":483.785,"sentiment":"neutral","sentiment_score":-0.04893671969572703}],"sentiment":"neutral","sentiment_score":0.025337239110527876,"num_words":77,"start":445.9,"end":483.785},{"sentences":[{"text":"It's just a nondisclosure.","start":483.785,"end":484.845,"sentiment":"neutral","sentiment_score":-0.07896646205335855},{"text":"Yeah.","start":486.265,"end":486.505,"sentiment":"neutral","sentiment_score":-0.009839791804552078},{"text":"And then the the risk with that too is, like, even though you're insured for the million dollars and it doesn't normally apply to, like, life and that, if it did come about where you had some sort of complicate I know it's sort of it's well managed and everything.","start":486.505,"end":498.29,"sentiment":"neutral","sentiment_score":-0.14253359742462635},{"text":"If something did occur from that, they could go look and didn't disclose this to us.","start":498.51,"end":502.43,"sentiment":"neutral","sentiment_score":-0.22341628838330507},{"text":"So we wouldn't have given another policy, and that's sort of a way for them to back out of those policies as well when there is those non disclosures even though it's a little bit, you know, of a cop out for them.","start":502.43,"end":512.96497,"sentiment":"neutral","sentiment_score":-0.234558108760867}],"sentiment":"neutral","sentiment_score":-0.18520214738683743,"num_words":114,"start":483.785,"end":512.96497},{"sentences":[{"text":"It is a way they can wriggle out of contracts if there are nondisclosures on policies, which is a risk you have when sort of having that as well.","start":512.96497,"end":520.725,"sentiment":"neutral","sentiment_score":-0.2845592421704325},{"text":"Or sometimes they just go, it wasn't related to the Crohn's.","start":520.725,"end":523.72,"sentiment":"neutral","sentiment_score":-0.13827954842285675},{"text":"We'll still pay it.","start":523.72,"end":525.4,"sentiment":"neutral","sentiment_score":0.1090172827243805},{"text":"That's just up to the insurer at the end of the day what they're willing to do.","start":525.4,"end":528.77997,"sentiment":"neutral","sentiment_score":0.0638454286929439},{"text":"Yep.","start":533.88,"end":534.345,"sentiment":"neutral","sentiment_score":0.03956141322851181}],"sentiment":"neutral","sentiment_score":-0.1324562939304498,"num_words":62,"start":512.96497,"end":534.345},{"sentences":[{"text":"It it's Crohn's is a hard one and sort of like those IVS sort of deals because, like, it can be anywhere from, like, very mild to, like, very severe.","start":534.345,"end":553.78,"sentiment":"neutral","sentiment_score":-0.14252492239077885},{"text":"Like, it is something that, like, complications can lead to, like, death if it's very, very severe, or it can be as simple as, like, you just have, you know, a little bit of gas and bloating.","start":554.32,"end":563.54504,"sentiment":"neutral","sentiment_score":-0.1704756512835219},{"text":"That like, that's the the spectrum.","start":563.54504,"end":565.085,"sentiment":"neutral","sentiment_score":-0.0764141200731198},{"text":"And as far as, like, what they're willing to offer in that, it's sort of up to the insurer.","start":565.945,"end":570.425,"sentiment":"neutral","sentiment_score":0.0036117568317996828},{"text":"And then sometimes they'll request, like, sorta medical records on that.","start":570.425,"end":574.9,"sentiment":"neutral","sentiment_score":-0.018010020023211837}],"sentiment":"neutral","sentiment_score":-0.10845940126314109,"num_words":103,"start":534.345,"end":574.9},{"sentences":[{"text":"And then it can be a bit of a back and forward with that as well for you to sort of show that, like, yes.","start":574.96,"end":580.64,"sentiment":"neutral","sentiment_score":0.032383483797311784},{"text":"I am fine.","start":580.64,"end":581.2,"sentiment":"positive","sentiment_score":0.42405593395233154},{"text":"It's well managed.","start":581.2,"end":582.08,"sentiment":"positive","sentiment_score":0.5857638120651245},{"text":"I don't really have any ongoing flare ups, things like that as well.","start":582.08,"end":586.335,"sentiment":"neutral","sentiment_score":-0.004179990635468409},{"text":"Okay.","start":612.26495,"end":612.76495,"sentiment":"neutral","sentiment_score":0.15703734755516052}],"sentiment":"neutral","sentiment_score":0.08759430671731631,"num_words":45,"start":574.96,"end":612.76495},{"sentences":[{"text":"The checkups.","start":614.345,"end":615.08496,"sentiment":"neutral","sentiment_score":0.040186965838074684},{"text":"Yeah.","start":615.46497,"end":615.785,"sentiment":"neutral","sentiment_score":0.050380852073431015},{"text":"The yeah.","start":615.785,"end":618.52496,"sentiment":"neutral","sentiment_score":-0.03323034942150116},{"text":"Yep.","start":622.26495,"end":622.76495,"sentiment":"neutral","sentiment_score":-0.23397962749004364},{"text":"Yeah.","start":627.05,"end":627.55,"sentiment":"neutral","sentiment_score":-0.16237294673919678}],"sentiment":"neutral","sentiment_score":-0.047436927046094625,"num_words":7,"start":614.345,"end":627.55},{"sentences":[{"text":"Under understandable.","start":628.57,"end":629.47003,"sentiment":"neutral","sentiment_score":-0.07512980327010155},{"text":"Yeah.","start":630.65,"end":630.89,"sentiment":"neutral","sentiment_score":0.05732956528663635},{"text":"We could still do the pre assessment process where I book you and with one of my colleagues and they go through and you just go through the list of questions of what you know about your current conditions and everything like that.","start":630.89,"end":641.205,"sentiment":"neutral","sentiment_score":0.09645528814127279},{"text":"That's including, like, mental health, anything past, a bit of family history, and your bit more about your occupation.","start":641.205,"end":646.085,"sentiment":"neutral","sentiment_score":0.011426591755528199},{"text":"And then they can blindly send that off to the insurer, and they can just we can wait a few weeks and see what they come back with and if what the sort of requirements would be, and then you could make a bit of a decision if you wanna proceed with Yeah.","start":646.085,"end":662.925,"sentiment":"neutral","sentiment_score":0.048459547308256044}],"sentiment":"neutral","sentiment_score":0.05796702202977771,"num_words":118,"start":628.57,"end":662.925},{"sentences":[{"text":"While this is all going on, that all still stays there.","start":662.925,"end":665.245,"sentiment":"neutral","sentiment_score":-0.10066472874446349},{"text":"The only thing at the moment is that your money is obviously sitting in host plus that you wanted to roll over, but it's not a huge deal with the way the markets are.","start":665.245,"end":671.805,"sentiment":"neutral","sentiment_score":-0.17570620183559024},{"text":"Anything, if anything, moving money at the moment, it's a little bit more volatile.","start":671.805,"end":675.105,"sentiment":"negative","sentiment_score":-0.33895841240882874},{"text":"So, you know, a few weeks' time, the wall might be finished and things might steady out a little bit.","start":675.165,"end":679.65,"sentiment":"neutral","sentiment_score":-0.04823102550581097},{"text":"So you don't have to worry about yeah.","start":679.65,"end":686.37,"sentiment":"neutral","sentiment_score":0.00326171983033419}],"sentiment":"neutral","sentiment_score":-0.14672721153788867,"num_words":87,"start":662.925,"end":686.37},{"sentences":[{"text":"Crude oil and everything could be a bit of a jump.","start":686.37,"end":688.21,"sentiment":"neutral","sentiment_score":-0.19116025892170993},{"text":"Funnily enough, like, no one's actually you know, if you wanna invest in it now, you kinda missed the boat.","start":688.21,"end":692.885,"sentiment":"neutral","sentiment_score":-0.28297017961740495},{"text":"You're jumping in at the high.","start":692.885,"end":694.085,"sentiment":"neutral","sentiment_score":-0.10527471266686916},{"text":"So yeah.","start":694.085,"end":695.065,"sentiment":"neutral","sentiment_score":-0.03001001849770546},{"text":"But in saying that, the markets are you know, with the ceasefire and everything that was announced today, they have shown a few positive days in the past week there.","start":696.965,"end":705.36,"sentiment":"positive","sentiment_score":0.4687597637375196}],"sentiment":"neutral","sentiment_score":0.08128924867597179,"num_words":69,"start":686.37,"end":705.36},{"sentences":[{"text":"So, hopefully, things are coming to a bit of a conclusion and things are sitting out a little bit as well, and everything's getting back to normal a bit.","start":705.36,"end":711.7,"sentiment":"positive","sentiment_score":0.350373732118771},{"text":"I I can imagine.","start":718.495,"end":719.795,"sentiment":"neutral","sentiment_score":-0.08087895065546036},{"text":"Yeah.","start":727.855,"end":728.355,"sentiment":"neutral","sentiment_score":-0.05737043172121048},{"text":"I have a few family, friends, and everything that even just getting to the The UK, they're having to go through, like, Singapore, and the the flights have gone up tenfold because there's only, like, a few flights that go out of there, and it's just mayhem.","start":730.12,"end":741.5,"sentiment":"neutral","sentiment_score":-0.14169302804672973},{"text":"Okay.","start":752.625,"end":753.125,"sentiment":"neutral","sentiment_score":-0.32087308168411255}],"sentiment":"neutral","sentiment_score":0.03414032435635241,"num_words":82,"start":705.36,"end":753.125},{"sentences":[{"text":"Yeah.","start":758.56,"end":758.95996,"sentiment":"neutral","sentiment_score":-0.13765111565589905},{"text":"Without Doha and Dubai, there's not many stopovers in that sort of region.","start":758.95996,"end":762.89996,"sentiment":"neutral","sentiment_score":-0.16038878376667315},{"text":"What?","start":769.615,"end":770.115,"sentiment":"neutral","sentiment_score":-0.0904139131307602},{"text":"Yeah.","start":771.055,"end":771.535,"sentiment":"neutral","sentiment_score":-0.0808756947517395},{"text":"I'm sure it's keeping you busy.","start":771.535,"end":773.15497,"sentiment":"neutral","sentiment_score":-0.11223529651761055}],"sentiment":"neutral","sentiment_score":-0.1394275768914006,"num_words":22,"start":758.56,"end":773.15497},{"sentences":[{"text":"In saying that the is there a time that sort of works for you in terms of, like, doing this pre assessment with one of my colleagues in getting that done to be able to send off?","start":773.615,"end":782.85,"sentiment":"neutral","sentiment_score":-0.03062494144447752},{"text":"Yep.","start":801.005,"end":801.405,"sentiment":"neutral","sentiment_score":0.2747107744216919},{"text":"I'll just have a look and see who is available.","start":801.405,"end":805.99,"sentiment":"neutral","sentiment_score":0.14265084862709046},{"text":"Bear with me.","start":806.61,"end":807.67,"sentiment":"neutral","sentiment_score":0.08135583748420079},{"text":"Yeah.","start":808.93,"end":809.25,"sentiment":"neutral","sentiment_score":0.15431156754493713}],"sentiment":"neutral","sentiment_score":0.018586067447008994,"num_words":52,"start":773.615,"end":809.25},{"sentences":[{"text":"So I do have the person that would be doing it working at a bit of a late day.","start":809.25,"end":813.97,"sentiment":"neutral","sentiment_score":0.16824942121380254},{"text":"So anything you know?","start":813.97,"end":815.32996,"sentiment":"neutral","sentiment_score":0.09066062327474356},{"text":"I think daylight savings finished now.","start":815.32996,"end":817.25,"sentiment":"neutral","sentiment_score":0.15532920757929483},{"text":"So we're on the same time clock, but I can do something around 05:00 there or 4PM if that works for you.","start":817.25,"end":823.715,"sentiment":"neutral","sentiment_score":0.1384436647323045},{"text":"Okay.","start":829.87,"end":830.19,"sentiment":"neutral","sentiment_score":0.13543298840522766}],"sentiment":"neutral","sentiment_score":0.1475490452721715,"num_words":52,"start":809.25,"end":830.19},{"sentences":[{"text":"Yeah.","start":830.19,"end":830.35004,"sentiment":"neutral","sentiment_score":0.12254460155963898},{"text":"I'll check-in for for three.","start":830.35004,"end":831.71,"sentiment":"neutral","sentiment_score":0.12404934167861939},{"text":"And if you are a little bit busy with the the mayhem, you can just say give me a callback a bit later.","start":831.71,"end":836.05005,"sentiment":"neutral","sentiment_score":0.020686977988351948},{"text":"Perfect.","start":839.87,"end":840.35004,"sentiment":"positive","sentiment_score":0.6300694942474365},{"text":"I'll check that in now.","start":840.35004,"end":841.71,"sentiment":"positive","sentiment_score":0.419062602519989}],"sentiment":"neutral","sentiment_score":0.11268498030092035,"num_words":35,"start":830.19,"end":841.71},{"sentences":[{"text":"And as I said, they'll just go a little bit more into, like, your occupational duties, which isn't, like, a huge thing because you they're not exactly in a risky occupation.","start":841.71,"end":849.605,"sentiment":"neutral","sentiment_score":0.019529024559643962},{"text":"A little bit about your own history, family history, and then, like, as long as you it even says on your Clearview policy that your if five years no symptoms, it was reviewable just due to the postnatal depression.","start":850.385,"end":864.14996,"sentiment":"neutral","sentiment_score":-0.02244280307338788},{"text":"So there's a chance that if you do disclose everything regards to it just being postnatal depression, there's no sort of ongoing stress, depression symptoms, things like that, that it might not be an exclusion because it was related to the pregnancy time.","start":864.14996,"end":878.34503,"sentiment":"neutral","sentiment_score":-0.08555002896071867},{"text":"So there's a chance that on your policy that might not apply.","start":880.085,"end":882.885,"sentiment":"neutral","sentiment_score":-0.22912146958212057},{"text":"I'm not saying a 100% because mental health exclusion say you can say you're stressed at work on the day, and then they'll throw it on there just because it is one of the more claimed on things, which is yeah.","start":882.885,"end":893.76996,"sentiment":"neutral","sentiment_score":-0.2542021399045863}],"sentiment":"neutral","sentiment_score":-0.10313413358372019,"num_words":166,"start":841.71,"end":893.76996},{"sentences":[{"text":"So as long as, you know, there's no ongoing symptoms, obviously, you know, work is stressful in general.","start":893.76996,"end":899.20996,"sentiment":"neutral","sentiment_score":-0.16895628058248097},{"text":"But if it's not related to, you know, you taking time off seeking help and things like that, you know, as soon as you mention it in a way that I'm stressed at work, it will be an exclusion, which is unfortunate.","start":899.20996,"end":909.565,"sentiment":"negative","sentiment_score":-0.3892464403595243},{"text":"But yeah.","start":909.565,"end":911.645,"sentiment":"neutral","sentiment_score":-0.09169312566518784},{"text":"So as long as you disclose everything with that in regards to your your Crohn's, they'll be able to send that off, see how insurance will rate you and what they might come back with and what, like, requirements they would have, and then you can make a decision whether or not you wanna revisit cover and doing a top up that way.","start":911.645,"end":925.82996,"sentiment":"neutral","sentiment_score":-0.032479340890570293},{"text":"Perfect.","start":928.785,"end":929.285,"sentiment":"positive","sentiment_score":0.5634477138519287}],"sentiment":"neutral","sentiment_score":-0.1671087345965798,"num_words":126,"start":893.76996,"end":929.285},{"sentences":[{"text":"Yep.","start":949.92,"end":950.32,"sentiment":"neutral","sentiment_score":0.021439669653773308},{"text":"Yeah.","start":950.32,"end":950.72003,"sentiment":"neutral","sentiment_score":-0.01420760340988636},{"text":"The likelihood that they'll cover, like, they like I said, they could cover and, like, have the loading, but then you're paying more.","start":950.72003,"end":957.615,"sentiment":"neutral","sentiment_score":-0.09277834759458252},{"text":"But, yeah, that's probably on the the rare side.","start":957.835,"end":960.235,"sentiment":"neutral","sentiment_score":-0.2513518234093984},{"text":"It's likely it's gonna be some form of exclusion relating to the krones.","start":960.235,"end":963.855,"sentiment":"neutral","sentiment_score":-0.26561274780676913}],"sentiment":"neutral","sentiment_score":-0.16684685235327862,"num_words":47,"start":949.92,"end":963.855},{"sentences":[{"text":"And then you probably still wanna keep it.","start":965.23,"end":966.75,"sentiment":"neutral","sentiment_score":-0.06713412655517459},{"text":"But I say, like, once we get the results back, you'll even be able to know, like because ClearViews will be one of the people we look at it with, how they'll rate it.","start":966.75,"end":975.39,"sentiment":"neutral","sentiment_score":0.0759200974203208},{"text":"And even if it just comes down to you just wanting to disclose to ClearView that you didn't disclose it in the the past and seeing how they'll accept it now that you're disclosing it, now that you're aware of it, and seeing what that might be in terms of, like, costs and exclusions and things like that, and then just maintaining that policy or going back to market.","start":975.39,"end":994.34503,"sentiment":"neutral","sentiment_score":-0.004092380296492922},{"text":"Even that it's a few years older, the policy, likelihood that it's like, there's a cheaper policy out there is a lot higher.","start":994.61005,"end":1001.19,"sentiment":"negative","sentiment_score":-0.4250114586042321},{"text":"And if it comes back with the the mental health and then the exclusion, it's no different to a policy that you have now currently because the likelihood it would have been exclusion on that policy anyway is pretty, pretty high.","start":1001.73004,"end":1013.23505,"sentiment":"neutral","sentiment_score":-0.2602765680086322}],"sentiment":"neutral","sentiment_score":-0.10677009586777006,"num_words":175,"start":965.23,"end":1013.23505},{"sentences":[{"text":"Not a problem.","start":1016.73505,"end":1017.375,"sentiment":"neutral","sentiment_score":0.20692233244578043},{"text":"Well, I've got you booked in, yeah, next week for that that pre assessment there, and then I'll be able to run through that.","start":1017.375,"end":1023.41,"sentiment":"neutral","sentiment_score":0.21900879219174385},{"text":"I would say it'll probably take a few weeks.","start":1023.63,"end":1024.91,"sentiment":"neutral","sentiment_score":-0.018931129326423008},{"text":"The insurers are quite slow.","start":1024.91,"end":1026.29,"sentiment":"neutral","sentiment_score":-0.2748459964990616},{"text":"And then following that, we can let you know the the results of that and then have a full discussion around everything you wanna achieve and your goals and everything and put it all in an advice piece for you.","start":1026.51,"end":1035.225,"sentiment":"neutral","sentiment_score":0.3301332280039787}],"sentiment":"neutral","sentiment_score":0.21651477757611393,"num_words":81,"start":1016.73505,"end":1035.225},{"sentences":[{"text":"Yeah.","start":1044.105,"end":1044.4249,"sentiment":"neutral","sentiment_score":0.01844835095107555},{"text":"I didn't mention it.","start":1044.4249,"end":1045.465,"sentiment":"neutral","sentiment_score":-0.023506767116487026},{"text":"Is that something you're sort of leaning towards more?","start":1045.465,"end":1048.445,"sentiment":"neutral","sentiment_score":-0.01213744825993975},{"text":"I I noticed in the next twelve months in the Sunshine Coast, but I wasn't sure if you Yep.","start":1048.5499,"end":1061.945,"sentiment":"neutral","sentiment_score":-0.00257559199082224},{"text":"Okay.","start":1075.62,"end":1076.1,"sentiment":"neutral","sentiment_score":0.06076526641845703}],"sentiment":"neutral","sentiment_score":-0.005087845095926348,"num_words":34,"start":1044.105,"end":1076.1},{"sentences":[{"text":"And just accurate, you're not, like, paying a huge buyer's premium for them finding the property or anything like that?","start":1076.1,"end":1082.26,"sentiment":"neutral","sentiment_score":-0.14760826593264936},{"text":"Yeah.","start":1082.26,"end":1082.5,"sentiment":"neutral","sentiment_score":0.02166886068880558},{"text":"Okay.","start":1082.5,"end":1083.0,"sentiment":"neutral","sentiment_score":0.04015372693538666},{"text":"Okay.","start":1088.835,"end":1089.335,"sentiment":"neutral","sentiment_score":-0.04336430877447128},{"text":"Yep.","start":1102.85,"end":1103.35,"sentiment":"neutral","sentiment_score":0.02588789165019989}],"sentiment":"neutral","sentiment_score":-0.12115913117304444,"num_words":24,"start":1076.1,"end":1103.35},{"sentences":[{"text":"Yeah.","start":1110.305,"end":1110.805,"sentiment":"neutral","sentiment_score":-0.09108208119869232},{"text":"Yeah.","start":1116.4651,"end":1116.9651,"sentiment":"neutral","sentiment_score":-0.061612170189619064},{"text":"It just comes down to a bit, like, of a a convenience thing.","start":1122.56,"end":1125.76,"sentiment":"neutral","sentiment_score":0.0458031717974406},{"text":"Like you said, if you're not willing to, like, put in the work to to look for it.","start":1125.76,"end":1129.28,"sentiment":"neutral","sentiment_score":-0.12928832487927544},{"text":"Obviously, a mortgage broker does the loan side of things, but in terms of, like, picking a property, they'll give you some, like, insights and things like that.","start":1129.28,"end":1135.6951,"sentiment":"neutral","sentiment_score":0.06817524148417371}],"sentiment":"neutral","sentiment_score":0.000401047470628238,"num_words":61,"start":1110.305,"end":1135.6951},{"sentences":[{"text":"Their buyer's agent will obviously, you know, put the effort into finding an actual property and, like I said, if they're willing to manage it or not.","start":1135.6951,"end":1141.6151,"sentiment":"neutral","sentiment_score":0.015384962851250614},{"text":"What that looks like, sometimes they do it like a percentage of, like, the purchase price, which can, you know, make it quite exorbitant.","start":1141.6151,"end":1148.69,"sentiment":"neutral","sentiment_score":-0.07561989276049037},{"text":"Then sometimes, you know, you end up, like, with a 50 k bill at the end of it just for them doing that and finding a property.","start":1148.75,"end":1155.33,"sentiment":"neutral","sentiment_score":-0.034119510264308366},{"text":"But if you're more than sort of happy with that price, obviously, there's a bit of a sum.","start":1155.5499,"end":1159.01,"sentiment":"neutral","sentiment_score":-0.00420139336751567},{"text":"But at the time end of time, if it's a convenience that you're willing to to pay for, that's up to you at the at the end of the day.","start":1159.07,"end":1165.195,"sentiment":"neutral","sentiment_score":0.09799538056055705}],"sentiment":"neutral","sentiment_score":0.0043136994428341355,"num_words":126,"start":1135.6951,"end":1165.195},{"sentences":[{"text":"And then Yeah.","start":1165.2549,"end":1196.98,"sentiment":"neutral","sentiment_score":0.13598754505316415},{"text":"And if that takes the yeah.","start":1196.98,"end":1201.94,"sentiment":"neutral","sentiment_score":0.11755609512329102},{"text":"If it if they do all that and everything, you don't have to worry about a a lawyer or anything like that with that service and the buying of the property.","start":1201.94,"end":1208.5,"sentiment":"neutral","sentiment_score":0.12353063615099076},{"text":"If that's all included, it does sort of reduce that cost at the end of the day as well if they're reading through all the contracts and everything.","start":1208.5,"end":1214.515,"sentiment":"neutral","sentiment_score":0.19902837542550905},{"text":"So, yeah, if you're happy with that that price, obviously, it just depends on what service you get.","start":1214.515,"end":1219.235,"sentiment":"neutral","sentiment_score":0.16910052299499512}],"sentiment":"neutral","sentiment_score":0.15766689363260603,"num_words":86,"start":1165.2549,"end":1219.235},{"sentences":[{"text":"I couldn't sort of say on or not whether or not, like, what the you're actually getting out of it, but it it sounds like not not too bad compared to some of the ones out there.","start":1219.235,"end":1228.2001,"sentiment":"neutral","sentiment_score":0.11250367539154517},{"text":"Yep.","start":1248.1151,"end":1248.45,"sentiment":"neutral","sentiment_score":0.049645259976387024},{"text":"Okay.","start":1251.73,"end":1252.13,"sentiment":"neutral","sentiment_score":0.20642739534378052},{"text":"Well, that that's good to hear that, Stacy.","start":1252.13,"end":1253.9099,"sentiment":"positive","sentiment_score":0.4505835771560669},{"text":"Yeah.","start":1254.5299,"end":1254.7699,"sentiment":"neutral","sentiment_score":0.20434874296188352}],"sentiment":"neutral","sentiment_score":0.17141095843786994,"num_words":48,"start":1219.235,"end":1254.7699},{"sentences":[{"text":"Well, I've got you you booked in for that, and then we'll be able to run through all those updates and everything when you get back in touch with us when we get those results.","start":1254.7699,"end":1262.9299,"sentiment":"neutral","sentiment_score":0.24399807155132294},{"text":"And then, have a discussion on what you actually wanna do with that insurance, whether you wanna wanna keep that policy.","start":1262.9299,"end":1267.7151,"sentiment":"neutral","sentiment_score":0.13204739721758024},{"text":"Obviously, the the host plus is probably likely to to stay given everything, but, yeah, that the external policy can definitely be reviewed.","start":1267.7151,"end":1275.655,"sentiment":"neutral","sentiment_score":0.026952803863779358},{"text":"No problem.","start":1278.2101,"end":1278.8501,"sentiment":"positive","sentiment_score":0.6177403032779694},{"text":"Is there anything else you wanna have a chat about while you've got me there?","start":1278.8501,"end":1281.5901,"sentiment":"neutral","sentiment_score":0.33292109866937003}],"sentiment":"neutral","sentiment_score":0.1891889523055094,"num_words":96,"start":1254.7699,"end":1281.5901},{"sentences":[{"text":"Not a problem at all.","start":1285.7301,"end":1286.6901,"sentiment":"positive","sentiment_score":0.5078888475894928},{"text":"Well, you enjoy the rest of your afternoon.","start":1286.6901,"end":1288.05,"sentiment":"positive","sentiment_score":0.7070598974823952},{"text":"Good luck with everything in the meantime.","start":1288.05,"end":1289.67,"sentiment":"positive","sentiment_score":0.4948041098458426},{"text":"Hopefully, this will end soon for you.","start":1290.105,"end":1292.125,"sentiment":"neutral","sentiment_score":0.16632063261100224},{"text":"Thanks.","start":1296.025,"end":1296.105,"sentiment":"positive","sentiment_score":0.4184610247611999}],"sentiment":"positive","sentiment_score":0.4729377728487764,"num_words":28,"start":1285.7301,"end":1296.105},{"sentences":[{"text":"Have a good one, Susan.","start":1296.105,"end":1298.585,"sentiment":"positive","sentiment_score":0.35128936767578123},{"text":"Bye now.","start":1298.585,"end":1299.065,"sentiment":"neutral","sentiment_score":0.12734004110097885},{"text":"Bye.","start":1299.065,"end":1299.565,"sentiment":"neutral","sentiment_score":0.09415727853775024}],"sentiment":"neutral","sentiment_score":0.2631605248898268,"num_words":8,"start":1296.105,"end":1299.565}]}}]},{"alternatives":[{"transcript":"Hello. Stacy speaking. How are you doing? I'm good. How are you? Yes. That's perfect. Thank you. Yeah. So it's Stacy Rose Daily, 03/31/1980, and 2 Slash 16 Howard Road. Sure. Yes. Yeah. I actually asked after I'd spoken to you, I I said to my husband, do we have an extra insurance policy? And apparently, we do. Apparently, I do have an extra, and I had no idea that I even had it. He said because he's insured for a million dollars if something happens to him. He said your we had to up yours because your super wasn't gonna cover enough or something. So I don't know whether whether there's a better option out there or whether just to leave it as it is. What are your thoughts with that? Yeah. It was a long, long time ago. Probably 2039. I don't believe I did with this latest one that we're talking about Clearview, I don't believe we did because I thought we had it it wasn't gonna be covered. But in the previous one, the with host plus, we thought that it was covered with that, which is why we left some of our money sitting in Hostplus or some of my money in Hostplus. Is that correct? Yep. Yes. Okay. Yeah. Sure. Yep. Yep. And that's fine. Look. I doubt that anything it's managed quite well. So I doubt that anything I'm willing to take that risk. Yeah. Yeah. To be honest, the my Crohn's only flares up when I'm not working because when I'm working, it takes my mind off it. So it I just keep soldering on. So, yeah, so don't worry about that. That's fine. Yep. Yep. Yep. No. And I really can't remember who actually did that. How long have I been with you guys for? Oh, it would have been so that that this was four years ago. So four years ago, this was taken out. Yeah. Is it worthwhile having a look at what you can offer for the insurance if I was to just get you to do it all? Which is fine because I don't have because I don't have that anyway. So I don't so I I'd still like to keep what I've got with Host Plus, like, whatever minimum I need to keep in the Host Plus account to cover in the event that something does happen with my cranes, that I've got an option to cover to have a little bit covered through that. But don't worry about the Clearview side of it. If there is another policy that you could manage, because obviously, we don't have an obligation to whoever took the policy out beforehand because we're not sort of dealing with anybody now. I'm just sort of dealing with you guys direct. So if there is an opportunity for you to take it over or for you to do something that's similar cost or cheaper, then I'm happy with that. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Sure. No. I'm happy to do that. Like, it makes sense keeping it with with one person. Yeah. Well, if you're able to if you're able to have a look and see what the market's able to offer, I'm happy to have Crohn's excluded because as I said, I've already got a a little bit of it with already with host plus. So, you know, I'm happy to have it I'm happy to have it excluded. Yeah. Yeah. Yeah. It definitely would've yeah. It would've definitely predated. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Sure. I mean, when we talk about loading, then when we talk about, like, how much do we think we're talking about a loading that would be to have it in included? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. Look. Leave it leave it out. Leave it out. Look. If I'm not here if something happens to me and I'm not here, it's not gonna concern me, is it? I know that sounds terrible, but I'm like, yeah. Don't worry about it. Just just keep just don't disclose it because then I'm gonna have to go to doctors and get records and all that kind of stuff. And as I said, it's managed really well at the minute. So and I actually haven't had any hospital admissions at all with it apart from day surgery, which is just just exploration, just the checkups. Yeah. So I haven't I'm not like a lot of Crohn's I mean, I do take medication for it, but a lot of Crohn's sufferers end up in hospital all the time. I'm not like that at all at all. So yeah. Yep. Well, maybe maybe we do that then because the others can still stay in the background anyway, really, can't it? Like, we're not yeah. Yeah. True. True. True. Unless you invest in unless you invest in fuel, because, apparently, that's the only thing that's that's making money at the minute. Give me the bike. Yeah. Yeah. Yeah. Well, let's hope so because I work in the travel industry and it's wreaking havoc with my clients. So I need them to I need them to do this ceasefire for longer than two weeks so I can get some people off this you know, to Europe in the busiest time, which is coming up. So yeah. Yeah. Oh, yeah. Oh, yeah. Yeah. It's it's a nightmare. I had a 100 and something like a 162 clients that are traveling between when it all sorta happened and the May 15. And, like, it's just a nightmare. When you take the Middle Eastern carriers out of the equation, there's not a lot left. So it's yeah. It is. Yep. Yeah. So it's giving me a bit of COVID PTSD, to be honest. So so I need it to be over. It sure is. Yeah. Look. I can anytime sort of in the aft actually, next next Wednesday, I'm working from oh, sorry. Next Tuesday, I'm working from home. So if you've got something in the afternoon next Tuesday, which is the fourteenth, I'm pretty much free all day. Yeah. I can even do earlier. I can even do earlier. Like, you can do, you know, 03:00 if you want to because I'll be just sitting at home working. Yeah. Yeah. No. That's fine. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Of course. Yeah. Yeah. Yeah. Yeah. Yep. Sure. No problems. And then once we sort of do that, then we can revisit again. Because if they come back and they say they'll cover, let's say they cover Crohn's and they cover mental health, let's say, because it's been longer than five years, then I might not even bother needing a host plus altogether. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. No. Understood. Understood. Sure. That's alright. Yep. No worries. And by then, we would I think last time I spoke to you about purchasing an investment property, I think, we talked about. Yeah. Yeah. We've yeah. No. We definitely are. Like, we're sort of in we've spoken to, like, a buyer's advocate kind of person, and we're in the final stages of having the loan approved for that. So that will sort of all happen in the next four weeks anyway. So probably by the time I speak to you, there'll be more of an update when it comes to that as well. No. Well, I think it's look. It's about I think it works out to be about 14,000 overall. I don't know whether that's good or whether that's the I I really don't know. But, I mean, we don't we don't they will find the property for us, and they'll manage it manage it as well, I believe. Yeah. I I really don't know because we don't know where to even start looking, to be honest. You know, we don't know what what places are up and coming, and I don't have the time, to be honest, to even think about that. So unless you've got an idea that you think maybe we should be speaking to somebody else, yeah, I just sort of I I Yep. Yeah. Yeah. Expensing. Yeah. Yeah. Yeah. I mean, 14,000, and it's 14,000 to be added to the price of the sale pretty much, which is what what we will do. I think that's quite reasonable for the amount of work they're gonna have to do. Like, at at at you know, I think $1,414,000 dollars time in my books, I'm not sure I could invest that that amount of time. So I think it's pretty best to outsource that to somebody that it's their bread and butter, and they could do it better than me, definitely. And liaising with contracts and all that kind of stuff, I'm just like, no. Yeah. Yeah. Yeah. Yeah. Exactly. Yeah. Yeah. Yeah. Yeah. No. We thought it was gonna be a percentage, but now he came in at a flat rate. So which is great which is great, and he's pretty good. The guy that we've sort of been chatting to is is pretty good at it. Although he's already sent me a bill, and I said to him, we're not paying the bill until we've got the loan approved. Like, just settle down for a minute. So but yeah. No. He's he's pretty good. Yeah. Yep. Yes. Yep. Yep. Yep. Sounds great. Awesome. No. That's all. That's all I need. That's really good. Thank you so much. You too. Thank you. Oh, so no. Exactly. I hope so. Thank you. See see you later. 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Stacy speaking. How are you doing? I'm good. How are you?\n\nYes. That's perfect. Thank you. Yeah. So it's Stacy Rose Daily, 03/31/1980, and 2 Slash 16 Howard Road.\n\nSure. Yes. Yeah. I actually asked after I'd spoken to you, I I said to my husband, do we have an extra insurance policy? And apparently, we do.\n\nApparently, I do have an extra, and I had no idea that I even had it. He said because he's insured for a million dollars if something happens to him. He said your we had to up yours because your super wasn't gonna cover enough or something. So I don't know whether whether there's a better option out there or whether just to leave it as it is. What are your thoughts with that?\n\nYeah. It was a long, long time ago. Probably 2039. I don't believe I did with this latest one that we're talking about Clearview, I don't believe we did because I thought we had it it wasn't gonna be covered. But in the previous one, the with host plus, we thought that it was covered with that, which is why we left some of our money sitting in Hostplus or some of my money in Hostplus.\n\nIs that correct? Yep. Yes. Okay. Yeah.\n\nSure. Yep. Yep. And that's fine. Look.\n\nI doubt that anything it's managed quite well. So I doubt that anything I'm willing to take that risk. Yeah. Yeah. To be honest, the my Crohn's only flares up when I'm not working because when I'm working, it takes my mind off it.\n\nSo it I just keep soldering on. So, yeah, so don't worry about that. That's fine. Yep. Yep.\n\nYep. No. And I really can't remember who actually did that. How long have I been with you guys for? Oh, it would have been so that that this was four years ago.\n\nSo four years ago, this was taken out. Yeah. Is it worthwhile having a look at what you can offer for the insurance if I was to just get you to do it all? Which is fine because I don't have because I don't have that anyway. So I don't so I I'd still like to keep what I've got with Host Plus, like, whatever minimum I need to keep in the Host Plus account to cover in the event that something does happen with my cranes, that I've got an option to cover to have a little bit covered through that.\n\nBut don't worry about the Clearview side of it. If there is another policy that you could manage, because obviously, we don't have an obligation to whoever took the policy out beforehand because we're not sort of dealing with anybody now. I'm just sort of dealing with you guys direct. So if there is an opportunity for you to take it over or for you to do something that's similar cost or cheaper, then I'm happy with that. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Sure. No. I'm happy to do that. Like, it makes sense keeping it with with one person.\n\nYeah. Well, if you're able to if you're able to have a look and see what the market's able to offer, I'm happy to have Crohn's excluded because as I said, I've already got a a little bit of it with already with host plus. So, you know, I'm happy to have it I'm happy to have it excluded. Yeah. Yeah.\n\nYeah. It definitely would've yeah. It would've definitely predated. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yeah. Sure.\n\nI mean, when we talk about loading, then when we talk about, like, how much do we think we're talking about a loading that would be to have it in included? Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. No. Look. Leave it leave it out.\n\nLeave it out. Look. If I'm not here if something happens to me and I'm not here, it's not gonna concern me, is it? I know that sounds terrible, but I'm like, yeah. Don't worry about it.\n\nJust just keep just don't disclose it because then I'm gonna have to go to doctors and get records and all that kind of stuff. And as I said, it's managed really well at the minute. So and I actually haven't had any hospital admissions at all with it apart from day surgery, which is just just exploration, just the checkups. Yeah. So I haven't I'm not like a lot of Crohn's I mean, I do take medication for it, but a lot of Crohn's sufferers end up in hospital all the time.\n\nI'm not like that at all at all. So yeah. Yep. Well, maybe maybe we do that then because the others can still stay in the background anyway, really, can't it? Like, we're not yeah.\n\nYeah. True. True. True. Unless you invest in unless you invest in fuel, because, apparently, that's the only thing that's that's making money at the minute.\n\nGive me the bike. Yeah. Yeah. Yeah. Well, let's hope so because I work in the travel industry and it's wreaking havoc with my clients.\n\nSo I need them to I need them to do this ceasefire for longer than two weeks so I can get some people off this you know, to Europe in the busiest time, which is coming up. So yeah. Yeah. Oh, yeah. Oh, yeah.\n\nYeah. It's it's a nightmare. I had a 100 and something like a 162 clients that are traveling between when it all sorta happened and the May 15. And, like, it's just a nightmare. When you take the Middle Eastern carriers out of the equation, there's not a lot left.\n\nSo it's yeah. It is. Yep. Yeah. So it's giving me a bit of COVID PTSD, to be honest.\n\nSo so I need it to be over. It sure is. Yeah. Look. I can anytime sort of in the aft actually, next next Wednesday, I'm working from oh, sorry.\n\nNext Tuesday, I'm working from home. So if you've got something in the afternoon next Tuesday, which is the fourteenth, I'm pretty much free all day. Yeah. I can even do earlier. I can even do earlier.\n\nLike, you can do, you know, 03:00 if you want to because I'll be just sitting at home working. Yeah. Yeah. No. That's fine.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYeah. Yeah. Of course. Yeah. Yeah.\n\nYeah. Yeah. Yep. Sure. No problems.\n\nAnd then once we sort of do that, then we can revisit again. Because if they come back and they say they'll cover, let's say they cover Crohn's and they cover mental health, let's say, because it's been longer than five years, then I might not even bother needing a host plus altogether. Yep. Yep. Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nNo. Understood. Understood. Sure. That's alright.\n\nYep. No worries. And by then, we would I think last time I spoke to you about purchasing an investment property, I think, we talked about. Yeah. Yeah.\n\nWe've yeah. No. We definitely are. Like, we're sort of in we've spoken to, like, a buyer's advocate kind of person, and we're in the final stages of having the loan approved for that. So that will sort of all happen in the next four weeks anyway.\n\nSo probably by the time I speak to you, there'll be more of an update when it comes to that as well. No. Well, I think it's look. It's about I think it works out to be about 14,000 overall. I don't know whether that's good or whether that's the I I really don't know.\n\nBut, I mean, we don't we don't they will find the property for us, and they'll manage it manage it as well, I believe. Yeah. I I really don't know because we don't know where to even start looking, to be honest. You know, we don't know what what places are up and coming, and I don't have the time, to be honest, to even think about that. So unless you've got an idea that you think maybe we should be speaking to somebody else, yeah, I just sort of I I Yep.\n\nYeah. Yeah. Expensing. Yeah. Yeah.\n\nYeah. I mean, 14,000, and it's 14,000 to be added to the price of the sale pretty much, which is what what we will do. I think that's quite reasonable for the amount of work they're gonna have to do. Like, at at at you know, I think $1,414,000 dollars time in my books, I'm not sure I could invest that that amount of time. So I think it's pretty best to outsource that to somebody that it's their bread and butter, and they could do it better than me, definitely.\n\nAnd liaising with contracts and all that kind of stuff, I'm just like, no. Yeah. Yeah. Yeah. Yeah.\n\nExactly. Yeah. Yeah. Yeah. Yeah.\n\nNo. We thought it was gonna be a percentage, but now he came in at a flat rate. So which is great which is great, and he's pretty good. The guy that we've sort of been chatting to is is pretty good at it. Although he's already sent me a bill, and I said to him, we're not paying the bill until we've got the loan approved.\n\nLike, just settle down for a minute. So but yeah. No. He's he's pretty good. Yeah.\n\nYep. Yes. Yep. Yep. Yep.\n\nSounds great. Awesome. No. That's all. That's all I need.\n\nThat's really good. Thank you so much. You too. Thank you. Oh, so no.\n\nExactly. I hope so. Thank you. See see you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.04523532465100288},{"text":"Stacy speaking.","start":1.04,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.0731988474726677},{"text":"How are you doing?","start":2.6399999,"end":3.78,"sentiment":"neutral","sentiment_score":0.3228963613510132},{"text":"I'm good.","start":6.3999996,"end":6.96,"sentiment":"positive","sentiment_score":0.3642285615205765},{"text":"How are you?","start":6.96,"end":7.7,"sentiment":"neutral","sentiment_score":0.23976529637972513}],"sentiment":"neutral","sentiment_score":0.2442476230983933,"num_words":12,"start":0.48,"end":7.7},{"sentences":[{"text":"Yes.","start":11.92,"end":12.32,"sentiment":"positive","sentiment_score":0.3729396462440491},{"text":"That's perfect.","start":12.32,"end":13.059999,"sentiment":"positive","sentiment_score":0.6808107197284698},{"text":"Thank you.","start":13.12,"end":13.86,"sentiment":"positive","sentiment_score":0.6470109224319458},{"text":"Yeah.","start":21.035,"end":21.515,"sentiment":"neutral","sentiment_score":0.0705854743719101},{"text":"So it's Stacy Rose Daily, 03/31/1980, and 2 Slash 16 Howard Road.","start":21.515,"end":27.135,"sentiment":"neutral","sentiment_score":0.05915182363241911}],"sentiment":"neutral","sentiment_score":0.21161057158476776,"num_words":18,"start":11.92,"end":27.135},{"sentences":[{"text":"Sure.","start":32.989998,"end":33.489998,"sentiment":"neutral","sentiment_score":0.08844958245754242},{"text":"Yes.","start":52.805,"end":53.305,"sentiment":"neutral","sentiment_score":0.03359635919332504},{"text":"Yeah.","start":55.44,"end":55.76,"sentiment":"neutral","sentiment_score":0.00575699657201767},{"text":"I actually asked after I'd spoken to you, I I said to my husband, do we have an extra insurance policy?","start":55.76,"end":61.12,"sentiment":"neutral","sentiment_score":-0.05207195682894616},{"text":"And apparently, we do.","start":61.12,"end":62.079998,"sentiment":"neutral","sentiment_score":-0.03505068924278021}],"sentiment":"neutral","sentiment_score":-0.03949681829128947,"num_words":28,"start":32.989998,"end":62.079998},{"sentences":[{"text":"Apparently, I do have an extra, and I had no idea that I even had it.","start":62.079998,"end":65.86,"sentiment":"neutral","sentiment_score":-0.13222343963570893},{"text":"He said because he's insured for a million dollars if something happens to him.","start":66.08,"end":70.875,"sentiment":"neutral","sentiment_score":-0.11437969601580075},{"text":"He said your we had to up yours because your super wasn't gonna cover enough or something.","start":70.875,"end":77.215,"sentiment":"neutral","sentiment_score":-0.20180878525271134},{"text":"So I don't know whether whether there's a better option out there or whether just to leave it as it is.","start":79.115,"end":87.16,"sentiment":"neutral","sentiment_score":-0.15390519443012418},{"text":"What are your thoughts with that?","start":88.1,"end":89.72,"sentiment":"neutral","sentiment_score":-0.06658144605656464}],"sentiment":"neutral","sentiment_score":-0.1456640255008195,"num_words":74,"start":62.079998,"end":89.72},{"sentences":[{"text":"Yeah.","start":95.54,"end":96.04,"sentiment":"neutral","sentiment_score":-0.04898741468787193},{"text":"It was a long, long time ago.","start":107.175,"end":110.49,"sentiment":"neutral","sentiment_score":-0.09856521231787545},{"text":"Probably 2039.","start":110.729996,"end":114.03,"sentiment":"neutral","sentiment_score":-0.04053858295083046},{"text":"I don't believe I did with this latest one that we're talking about Clearview, I don't believe we did because I thought we had it it wasn't gonna be covered.","start":124.215004,"end":133.835,"sentiment":"neutral","sentiment_score":-0.08114665200312933},{"text":"But in the previous one, the with host plus, we thought that it was covered with that, which is why we left some of our money sitting in Hostplus or some of my money in Hostplus.","start":134.775,"end":146.25,"sentiment":"neutral","sentiment_score":-0.018300631471599143}],"sentiment":"neutral","sentiment_score":-0.05149004420902776,"num_words":76,"start":95.54,"end":146.25},{"sentences":[{"text":"Is that correct?","start":146.63,"end":147.53,"sentiment":"neutral","sentiment_score":0.015233365508417288},{"text":"Yep.","start":167.375,"end":167.875,"sentiment":"neutral","sentiment_score":0.001836088835261762},{"text":"Yes.","start":175.18,"end":175.68,"sentiment":"neutral","sentiment_score":0.0777788758277893},{"text":"Okay.","start":175.9,"end":176.4,"sentiment":"neutral","sentiment_score":0.14594614505767822},{"text":"Yeah.","start":187.545,"end":188.045,"sentiment":"neutral","sentiment_score":0.012629909440875052}],"sentiment":"neutral","sentiment_score":0.040555873669550886,"num_words":7,"start":146.63,"end":188.045},{"sentences":[{"text":"Sure.","start":189.22499,"end":189.72499,"sentiment":"neutral","sentiment_score":0.005743935704231262},{"text":"Yep.","start":200.78,"end":201.28,"sentiment":"neutral","sentiment_score":-0.06855933368206024},{"text":"Yep.","start":204.78,"end":205.28,"sentiment":"neutral","sentiment_score":-0.07934856414794922},{"text":"And that's fine.","start":205.42,"end":206.45999,"sentiment":"neutral","sentiment_score":-0.05116613209247589},{"text":"Look.","start":206.45999,"end":206.94,"sentiment":"neutral","sentiment_score":-0.09827111661434174}],"sentiment":"neutral","sentiment_score":-0.056276210716792514,"num_words":7,"start":189.22499,"end":206.94},{"sentences":[{"text":"I doubt that anything it's managed quite well.","start":206.94,"end":211.00499,"sentiment":"negative","sentiment_score":-0.38612039387226105},{"text":"So I doubt that anything I'm willing to take that risk.","start":211.00499,"end":215.185,"sentiment":"negative","sentiment_score":-0.5868965875018727},{"text":"Yeah.","start":220.44499,"end":220.94499,"sentiment":"neutral","sentiment_score":-0.005035027861595154},{"text":"Yeah.","start":221.885,"end":222.385,"sentiment":"neutral","sentiment_score":-0.028580106794834137},{"text":"To be honest, the my Crohn's only flares up when I'm not working because when I'm working, it takes my mind off it.","start":222.605,"end":230.44,"sentiment":"negative","sentiment_score":-0.333619338662728}],"sentiment":"negative","sentiment_score":-0.39208376221358776,"num_words":44,"start":206.94,"end":230.44},{"sentences":[{"text":"So it I just keep soldering on.","start":230.65999,"end":233.08,"sentiment":"negative","sentiment_score":-0.4327551509652819},{"text":"So, yeah, so don't worry about that.","start":233.78,"end":236.26,"sentiment":"neutral","sentiment_score":0.3136209951979773},{"text":"That's fine.","start":236.26,"end":237.08,"sentiment":"positive","sentiment_score":0.4229753613471985},{"text":"Yep.","start":240.78499,"end":241.28499,"sentiment":"neutral","sentiment_score":-0.07925185561180115},{"text":"Yep.","start":242.14499,"end":242.64499,"sentiment":"neutral","sentiment_score":0.1673515886068344}],"sentiment":"neutral","sentiment_score":0.0055617425176832415,"num_words":18,"start":230.65999,"end":242.64499},{"sentences":[{"text":"Yep.","start":267.63,"end":268.13,"sentiment":"neutral","sentiment_score":0.0979251116514206},{"text":"No.","start":297.44498,"end":297.76498,"sentiment":"neutral","sentiment_score":-0.21263325214385984},{"text":"And I really can't remember who actually did that.","start":297.76498,"end":300.985,"sentiment":"neutral","sentiment_score":-0.2534448934925927},{"text":"How long have I been with you guys for?","start":301.76498,"end":304.025,"sentiment":"neutral","sentiment_score":-0.06014746551712354},{"text":"Oh, it would have been so that that this was four years ago.","start":305.845,"end":308.745,"sentiment":"neutral","sentiment_score":-0.03793020861653181}],"sentiment":"neutral","sentiment_score":-0.10394339647256967,"num_words":33,"start":267.63,"end":308.745},{"sentences":[{"text":"So four years ago, this was taken out.","start":309.86,"end":312.03998,"sentiment":"neutral","sentiment_score":-0.027715638279914856},{"text":"Yeah.","start":315.78,"end":316.28,"sentiment":"neutral","sentiment_score":0.06335452944040298},{"text":"Is it worthwhile having a look at what you can offer for the insurance if I was to just get you to do it all?","start":318.97998,"end":326.885,"sentiment":"neutral","sentiment_score":0.1745145148038864},{"text":"Which is fine because I don't have because I don't have that anyway.","start":343.26,"end":346.16,"sentiment":"neutral","sentiment_score":-0.024296769729027383},{"text":"So I don't so I I'd still like to keep what I've got with Host Plus, like, whatever minimum I need to keep in the Host Plus account to cover in the event that something does happen with my cranes, that I've got an option to cover to have a little bit covered through that.","start":346.78,"end":362.365,"sentiment":"neutral","sentiment_score":0.09445401509715752}],"sentiment":"neutral","sentiment_score":0.08905495212906424,"num_words":102,"start":309.86,"end":362.365},{"sentences":[{"text":"But don't worry about the Clearview side of it.","start":362.365,"end":364.56,"sentiment":"neutral","sentiment_score":0.13065159072478613},{"text":"If there is another policy that you could manage, because obviously, we don't have an obligation to whoever took the policy out beforehand because we're not sort of dealing with anybody now.","start":364.56,"end":375.03998,"sentiment":"neutral","sentiment_score":0.13344173785299063},{"text":"I'm just sort of dealing with you guys direct.","start":375.03998,"end":376.96,"sentiment":"neutral","sentiment_score":0.16722761425707075},{"text":"So if there is an opportunity for you to take it over or for you to do something that's similar cost or cheaper, then I'm happy with that.","start":376.96,"end":384.655,"sentiment":"positive","sentiment_score":0.5315074484263148},{"text":"Yep.","start":390.0,"end":390.5,"sentiment":"neutral","sentiment_score":0.044182419776916504}],"sentiment":"neutral","sentiment_score":0.27692961306134356,"num_words":79,"start":362.365,"end":390.5},{"sentences":[{"text":"Yeah.","start":397.68002,"end":398.18002,"sentiment":"neutral","sentiment_score":0.02118026278913021},{"text":"Yep.","start":411.465,"end":411.54498,"sentiment":"neutral","sentiment_score":0.17314326763153076},{"text":"Yep.","start":411.54498,"end":412.04498,"sentiment":"neutral","sentiment_score":0.18756377696990967},{"text":"Yep.","start":419.37003,"end":419.87003,"sentiment":"neutral","sentiment_score":0.31278786063194275},{"text":"Yep.","start":426.09003,"end":426.59003,"sentiment":"positive","sentiment_score":0.4055456817150116}],"sentiment":"neutral","sentiment_score":0.220044169947505,"num_words":5,"start":397.68002,"end":426.59003},{"sentences":[{"text":"Yep.","start":438.995,"end":439.39502,"sentiment":"neutral","sentiment_score":0.16924390196800232},{"text":"Sure.","start":439.39502,"end":439.795,"sentiment":"neutral","sentiment_score":0.1921042799949646},{"text":"No.","start":439.795,"end":440.11502,"sentiment":"neutral","sentiment_score":-0.05129263550043106},{"text":"I'm happy to do that.","start":440.11502,"end":441.075,"sentiment":"neutral","sentiment_score":0.02818117439746857},{"text":"Like, it makes sense keeping it with with one person.","start":441.075,"end":443.815,"sentiment":"neutral","sentiment_score":0.09306223466992378}],"sentiment":"neutral","sentiment_score":0.07675465361939536,"num_words":18,"start":438.995,"end":443.815},{"sentences":[{"text":"Yeah.","start":450.79,"end":451.29,"sentiment":"neutral","sentiment_score":-0.01156005635857582},{"text":"Well, if you're able to if you're able to have a look and see what the market's able to offer, I'm happy to have Crohn's excluded because as I said, I've already got a a little bit of it with already with host plus.","start":452.31,"end":465.995,"sentiment":"neutral","sentiment_score":0.33304949003187095},{"text":"So, you know, I'm happy to have it I'm happy to have it excluded.","start":465.995,"end":470.655,"sentiment":"positive","sentiment_score":0.6366318442991802},{"text":"Yeah.","start":472.475,"end":472.975,"sentiment":"neutral","sentiment_score":0.044162046164274216},{"text":"Yeah.","start":477.69,"end":478.19,"sentiment":"neutral","sentiment_score":-0.004357749596238136}],"sentiment":"positive","sentiment_score":0.3868076659311525,"num_words":61,"start":450.79,"end":478.19},{"sentences":[{"text":"Yeah.","start":479.37,"end":479.87,"sentiment":"neutral","sentiment_score":-0.013225697912275791},{"text":"It definitely would've yeah.","start":482.09,"end":484.09,"sentiment":"neutral","sentiment_score":-0.056662386283278465},{"text":"It would've definitely 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mean, when we talk about loading, then when we talk about, like, how much do we think we're talking about a loading that would be to have it in included?","start":530.9,"end":543.24005,"sentiment":"neutral","sentiment_score":0.02840136643499136},{"text":"Yeah.","start":548.175,"end":548.675,"sentiment":"neutral","sentiment_score":-0.08987852185964584},{"text":"Yeah.","start":550.57495,"end":551.07495,"sentiment":"neutral","sentiment_score":-0.04639238119125366},{"text":"Yeah.","start":554.33496,"end":554.83496,"sentiment":"neutral","sentiment_score":-0.09399177879095078},{"text":"Yeah.","start":578.115,"end":578.275,"sentiment":"neutral","sentiment_score":0.042971886694431305}],"sentiment":"neutral","sentiment_score":0.01980433040963752,"num_words":35,"start":530.9,"end":578.275},{"sentences":[{"text":"Yeah.","start":578.275,"end":578.775,"sentiment":"neutral","sentiment_score":0.0796961560845375},{"text":"Yeah.","start":585.17004,"end":585.67004,"sentiment":"neutral","sentiment_score":0.0100292656570673},{"text":"No.","start":585.73004,"end":586.13,"sentiment":"neutral","sentiment_score":-0.06568116694688797},{"text":"Look.","start":586.13,"end":586.61,"sentiment":"neutral","sentiment_score":-0.024103889241814613},{"text":"Leave it leave it out.","start":586.61,"end":587.89,"sentiment":"neutral","sentiment_score":-0.04879920594394207}],"sentiment":"neutral","sentiment_score":-0.027117296018534236,"num_words":9,"start":578.275,"end":587.89},{"sentences":[{"text":"Leave it out.","start":587.89,"end":588.71,"sentiment":"neutral","sentiment_score":-0.04934638552367687},{"text":"Look.","start":589.33,"end":589.49,"sentiment":"neutral","sentiment_score":0.01303698681294918},{"text":"If I'm not here if something happens to me and I'm not here, it's not gonna concern me, is it?","start":589.49,"end":592.85004,"sentiment":"neutral","sentiment_score":-0.04855208569206297},{"text":"I know that sounds terrible, but I'm like, yeah.","start":592.85004,"end":596.715,"sentiment":"neutral","sentiment_score":-0.08067349137531386},{"text":"Don't worry about it.","start":596.79504,"end":597.755,"sentiment":"neutral","sentiment_score":0.021874824073165655}],"sentiment":"neutral","sentiment_score":-0.04715151377525684,"num_words":37,"start":587.89,"end":597.755},{"sentences":[{"text":"Just just keep just don't disclose it because then I'm gonna have to go to doctors and get records and all that kind of stuff.","start":597.755,"end":603.59503,"sentiment":"neutral","sentiment_score":-0.07879532247781754},{"text":"And as I said, it's managed really well at the minute.","start":603.59503,"end":606.47504,"sentiment":"positive","sentiment_score":0.5386427559635856},{"text":"So and I actually haven't had any hospital admissions at all with it apart from day surgery, which is just just exploration, just the checkups.","start":606.47504,"end":616.26996,"sentiment":"neutral","sentiment_score":0.2022036074101925},{"text":"Yeah.","start":616.41,"end":616.88995,"sentiment":"neutral","sentiment_score":0.003830881789326668},{"text":"So I haven't I'm not 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yeah.","start":1248.0599,"end":1249.82,"sentiment":"neutral","sentiment_score":0.04110567644238472},{"text":"No.","start":1249.82,"end":1250.0599,"sentiment":"neutral","sentiment_score":0.07154354453086853},{"text":"He's he's pretty good.","start":1250.0599,"end":1251.2799,"sentiment":"neutral","sentiment_score":0.24806149303913116},{"text":"Yeah.","start":1254.38,"end":1254.88,"sentiment":"neutral","sentiment_score":0.23973073065280912}],"sentiment":"neutral","sentiment_score":0.08270466513931751,"num_words":16,"start":1245.725,"end":1254.88},{"sentences":[{"text":"Yep.","start":1262.165,"end":1262.665,"sentiment":"neutral","sentiment_score":0.15049827098846436},{"text":"Yes.","start":1271.765,"end":1271.925,"sentiment":"neutral","sentiment_score":0.0289599671959877},{"text":"Yep.","start":1271.925,"end":1272.18,"sentiment":"neutral","sentiment_score":0.03881081938743591},{"text":"Yep.","start":1272.7401,"end":1273.2401,"sentiment":"neutral","sentiment_score":0.04649069532752037},{"text":"Yep.","start":1276.02,"end":1276.52,"sentiment":"neutral","sentiment_score":0.313150018453598}],"sentiment":"neutral","sentiment_score":0.11558195427060128,"num_words":5,"start":1262.165,"end":1276.52},{"sentences":[{"text":"Sounds great.","start":1276.5801,"end":1277.4801,"sentiment":"positive","sentiment_score":0.8222264349460602},{"text":"Awesome.","start":1277.78,"end":1278.28,"sentiment":"positive","sentiment_score":0.8214205503463745},{"text":"No.","start":1281.14,"end":1281.4601,"sentiment":"neutral","sentiment_score":0.0840173065662384},{"text":"That's all.","start":1281.4601,"end":1282.02,"sentiment":"neutral","sentiment_score":0.1810380443930626},{"text":"That's all I need.","start":1282.02,"end":1283.06,"sentiment":"neutral","sentiment_score":0.33251358941197395}],"sentiment":"positive","sentiment_score":0.4242021173238754,"num_words":10,"start":1276.5801,"end":1283.06},{"sentences":[{"text":"That's really good.","start":1283.06,"end":1284.18,"sentiment":"positive","sentiment_score":0.8165680766105652},{"text":"Thank you so much.","start":1284.18,"end":1285.185,"sentiment":"positive","sentiment_score":0.8285742551088333},{"text":"You too.","start":1289.025,"end":1289.765,"sentiment":"neutral","sentiment_score":0.1410108432173729},{"text":"Thank you.","start":1290.145,"end":1290.9651,"sentiment":"neutral","sentiment_score":0.2612108662724495},{"text":"Oh, so no.","start":1292.385,"end":1293.265,"sentiment":"neutral","sentiment_score":-0.045580106476942696}],"sentiment":"positive","sentiment_score":0.45940745355827467,"num_words":14,"start":1283.06,"end":1293.265},{"sentences":[{"text":"Exactly.","start":1293.265,"end":1293.765,"sentiment":"neutral","sentiment_score":0.05308426171541214},{"text":"I hope so.","start":1293.905,"end":1294.885,"sentiment":"neutral","sentiment_score":0.12108148137728374},{"text":"Thank you.","start":1296.4651,"end":1297.2051,"sentiment":"positive","sentiment_score":0.47951458394527435},{"text":"See see you later.","start":1297.665,"end":1298.9651,"sentiment":"positive","sentiment_score":0.3516261503100395},{"text":"Bye.","start":1299.185,"end":1299.685,"sentiment":"neutral","sentiment_score":-0.11433172971010208}],"sentiment":"neutral","sentiment_score":0.24250279502435165,"num_words":11,"start":1293.265,"end":1299.685}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Stacy speaking. How\n\nChannel 0: Good afternoon,\n\nChannel 1: are you doing?\n\nChannel 0: Stacy. It's Kyle calling from IP Financial. How are you today?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: Yeah. Not too bad, bro. Thanks for asking. I did schedule you in for a bit of a catch up today.\n\nChannel 1: Yes. That's perfect. Thank you.\n\nChannel 0: Not a problem at all. Just to confirm your details there, Stacy, if I could just pass you security with that name, date of birth, and current address.\n\nChannel 1: Yeah. So it's Stacy Rose Daily, 03/31/1980, and 2 Slash 16 Howard Road.\n\nChannel 0: Perfect. Thank you, Donna. I'll just let you know these calls are recorded for quality and training purposes there as well.\n\nChannel 1: Sure.\n\nChannel 0: Now I know we had a brief discussion the other week there, and then just given the deduction that was coming out of your super, I just wanted to have a look to see if we could find that policy. Now we did send that third party authority off to Clearview that was, like, taking the rollover from your fund, and it did come up that you do hold a life and\n\nChannel 1: Yes.\n\nChannel 0: TPD policy with Clearview.\n\nChannel 1: Yeah. I actually asked after I'd spoken to you, I I said to my husband, do we have an extra insurance policy? And apparently, we do. Apparently, I do have an extra, and I had no idea that I even had it. He said because he's insured for a million dollars if something happens to him.\n\nHe said your we had to up yours because your super wasn't gonna cover enough or something. So I don't know whether whether there's a better option out there or whether just to leave it as it is. What are your thoughts with that?\n\nChannel 0: So upon reviewing that because the policy was taken out in 2022.\n\nChannel 1: Yeah.\n\nChannel 0: Now with that one there, the mental health exclusion is on the total parent disability, but there is no mention of your Crohn's. So when were you diagnosed with your Crohn's?\n\nChannel 1: It was a long, long time ago. Probably 2039.\n\nChannel 0: 2019. And did you like, I know it's it's a while ago now. Did you remember sort of disclosing that you had Crohn's on that insurance application? Or\n\nChannel 1: I don't believe I did with this latest one that we're talking about Clearview, I don't believe we did because I thought we had it it wasn't gonna be covered. But in the previous one, the with host plus, we thought that it was covered with that, which is why we left some of our money sitting in Hostplus\n\nChannel 0: Yeah.\n\nChannel 1: or some of my money in Hostplus. Is that correct?\n\nChannel 0: So within regards to host plus fund, because it is group insurance, because that one, like, the fund itself predates you actually having Crohn's. It just means that if you were to sort of have an event to where you couldn't potentially work due to your Crohn's, the income protection policy might cover that. And then same\n\nChannel 1: Yep.\n\nChannel 0: with the total parent disability, if you were never able to work due to your Crohn's because group insurance is underwritten at the time of claim.\n\nChannel 1: Yes.\n\nChannel 0: And if your insurance\n\nChannel 1: Okay.\n\nChannel 0: predates that condition, there's a good chance that that might pay out. Whereas taking out a policy after the fact you're diagnosed with something, technically, they pre assess it at the time of, like, the actual\n\nChannel 1: Yeah.\n\nChannel 0: application to exclude\n\nChannel 1: Sure.\n\nChannel 0: anything that may be already preexisting. And then just because you haven't mentioned the Crohn's with that Clearview policy, there is a chance that it might be a nondisclosure if you didn't actually\n\nChannel 1: Yep.\n\nChannel 0: disclose it to that insurer when taking out that policy,\n\nChannel 1: Yep.\n\nChannel 0: which could\n\nChannel 1: And\n\nChannel 0: affect\n\nChannel 1: that's\n\nChannel 0: that.\n\nChannel 1: fine. Look. I doubt that anything it's managed quite well. So I doubt that anything I'm willing to take that risk.\n\nChannel 0: You you don't wanna sorta mention it to him or anything like that? You're happy just leaving\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: as\n\nChannel 1: To be honest,\n\nChannel 0: is\n\nChannel 1: the\n\nChannel 0: and\n\nChannel 1: my Crohn's only\n\nChannel 0: leaving\n\nChannel 1: flares up when I'm\n\nChannel 0: that\n\nChannel 1: not working\n\nChannel 0: policy\n\nChannel 1: because when I'm working,\n\nChannel 0: alone?\n\nChannel 1: it takes my mind off it.\n\nChannel 0: Okay.\n\nChannel 1: So it I just keep soldering on.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, so don't worry about that. That's fine.\n\nChannel 0: No. That's completely understand. It is up to you at the end of the day if you did want to disclose\n\nChannel 1: Yep.\n\nChannel 0: that to them.\n\nChannel 1: Yep.\n\nChannel 0: The options with that one as well, just because we're not the adviser on the policy, so you could have it to where we take over the policy or you could just leave it where it is, and then we just keep the third party authority and then just keep doing it as it is. And then just and then there's also of the option of changing the rollover from your current host plus to your other fund that we manage there as well at Hub twenty four,\n\nChannel 1: Yep.\n\nChannel 0: or you can keep your insurances in the one places, keep it under your own management. And then because with that with us taking out, I'm not too sure what adviser because, obviously, he's an adviser that's set up with Clearview, what their ongoings or anything are. With that, if we take over the policy, we take a 22% of the the premium as an ongoing fee for management. Or as I said, you can leave it alone as is where it is as a but it wouldn't they didn't disclose to us who the adviser was, what their ongoing commission was, or anything like that either.\n\nChannel 1: No. And I really can't remember who actually did that. How long have I been with you guys for?\n\nChannel 0: I believe\n\nChannel 1: Oh, it would\n\nChannel 0: initially\n\nChannel 1: have been so that that this was four years ago. So\n\nChannel 0: so\n\nChannel 1: four\n\nChannel 0: in\n\nChannel 1: years ago, this was taken\n\nChannel 0: 20\n\nChannel 1: out.\n\nChannel 0: '24, I believe you came on board. So a few years with us, and then '20\n\nChannel 1: Yeah.\n\nChannel 0: '22 is when you took out that insurance policy.\n\nChannel 1: Is it worthwhile having a look at what you can offer for the insurance if I was to just get you to do it all?\n\nChannel 0: So within regards to that, like, we can obviously take over the policy. There's still that potential nondisclosure there. If we were to look to market and do sort of like a similar policy and look at just rewriting it, there would likely be a loading or an exclusion for your krones in\n\nChannel 1: Which\n\nChannel 0: addition\n\nChannel 1: is fine\n\nChannel 0: to\n\nChannel 1: because\n\nChannel 0: that.\n\nChannel 1: I don't have because I don't have that anyway. So I don't so I I'd still like to keep what I've got with Host Plus, like, whatever minimum I need to keep in the Host Plus account to cover\n\nChannel 0: Yeah.\n\nChannel 1: in the event that something does happen with my cranes, that I've got an option to cover to have a little bit covered through that. But don't worry about the Clearview side of it. If there is another policy that you could manage, because obviously, we don't have an obligation to whoever took the policy out beforehand because we're not sort of dealing with anybody now. I'm just sort of dealing with you guys direct. So\n\nChannel 0: Yes.\n\nChannel 1: if there is an opportunity for you to take it over or for you to do something that's similar cost or cheaper, then I'm happy with that.\n\nChannel 0: Yeah. So there there is a option that we just take over the policy, and then there\n\nChannel 1: Yep.\n\nChannel 0: is the risk that, like, you might not be paying a commission to an adviser at the moment if they're somewhat removed or not, and then you would be with us, which may\n\nChannel 1: Yeah.\n\nChannel 0: change the the premiums, or we can look to rewrite entirely. And then I know you're not too worried about the the krones or anything like that. It would likely be a loading or exclusion, which means your policy would be more expensive if it's a loading. If an exclusion, it doesn't matter as much.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Just excluded, whereas the loading is still covered for the condition, but it does just cost more at the end of the day.\n\nChannel 1: Yep.\n\nChannel 0: So we can look at doing that and looking at what the market would offer, and then we\n\nChannel 1: Yep.\n\nChannel 0: can also just take over that policy and keep it with us and even change the the rollover to hub 24 so you don't have to worry about paying for it out of the host plus either. It's mainly just covering those insurances you do hold in there.\n\nChannel 1: Yep. Sure. No. I'm happy to do that. Like, it makes sense keeping it with with one person.\n\nChannel 0: Yep. And would the and then saying that, do you wanna see what the market's willing to offer in terms of that, or do you just want\n\nChannel 1: Yeah.\n\nChannel 0: us to take over?\n\nChannel 1: Well, if you're able to if you're able to have a look and see what the market's able to offer, I'm happy to have Crohn's excluded because as I said, I've already got a a little bit of it with\n\nChannel 0: Yep.\n\nChannel 1: already with host plus. So, you know, I'm happy to have it I'm happy to have it excluded.\n\nChannel 0: Yeah. As long as it's\n\nChannel 1: Yeah.\n\nChannel 0: a policy predated your Crohn's, I would a 100% just be, like, keep your that current policy and then probably just\n\nChannel 1: Yeah.\n\nChannel 0: look at taking it over. But\n\nChannel 1: Yeah.\n\nChannel 0: given that phones likely predates this policy, it\n\nChannel 1: It\n\nChannel 0: looks\n\nChannel 1: definitely\n\nChannel 0: like it's just an\n\nChannel 1: would've\n\nChannel 0: yeah.\n\nChannel 1: yeah.\n\nChannel 0: It's just\n\nChannel 1: It would've\n\nChannel 0: a nondisclosure.\n\nChannel 1: definitely predated. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And then\n\nChannel 1: Yeah.\n\nChannel 0: the the risk with that too is, like, even though you're insured for the million dollars and it doesn't normally apply to, like, life and that, if it did come about where you had some sort of complicate I know it's sort of it's well managed and everything. If something did occur from that, they could go look and didn't disclose this to us. So we wouldn't have given another policy, and that's sort of a way for them to back out of those policies as well when there is those non disclosures even though\n\nChannel 1: Yeah.\n\nChannel 0: it's a little bit, you know, of a cop out for them. It is a way they can wriggle out of contracts if there are nondisclosures on policies, which is a risk you have when sort of having that as well. Or sometimes they just go, it wasn't related to the Crohn's. We'll still pay it. That's just up to\n\nChannel 1: Yeah.\n\nChannel 0: the insurer at the end of the day what they're willing to do.\n\nChannel 1: Yeah. Sure. I mean, when we talk about loading,\n\nChannel 0: Yep. It\n\nChannel 1: then when we talk about, like, how much do we think we're talking about a loading that would be to have it in included?\n\nChannel 0: it's Crohn's is a hard one and sort of like those\n\nChannel 1: Yeah.\n\nChannel 0: IVS sort of deals because, like, it can be\n\nChannel 1: Yeah.\n\nChannel 0: anywhere from, like, very mild to, like, very severe. Like,\n\nChannel 1: Yeah.\n\nChannel 0: it is something that, like, complications can lead to, like, death if it's very, very severe, or it can be as simple as, like, you just have, you know, a little bit of gas and bloating. That like, that's the the spectrum. And as far as, like, what they're willing to offer in that, it's sort of up to the insurer. And then sometimes they'll request, like, sorta medical records on that. And then it can be a bit of a back and forward with that as well\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: for you to sort of show that, like, yes. I am fine. It's well managed. I don't really have any ongoing flare ups, things like that\n\nChannel 1: Yeah.\n\nChannel 0: as\n\nChannel 1: No.\n\nChannel 0: well.\n\nChannel 1: Look. Leave it leave it out. Leave it out. Look. If I'm not here if something happens to me and I'm not here, it's not gonna concern me, is it?\n\nI know that sounds terrible, but I'm like, yeah. Don't worry about it. Just just keep just don't disclose it because then I'm gonna have to go to doctors and get records and all that kind of stuff. And as I said, it's managed really well at the minute. So and I actually haven't had any hospital admissions at all with it apart from day surgery,\n\nChannel 0: Okay.\n\nChannel 1: which is just just exploration,\n\nChannel 0: The checkups.\n\nChannel 1: just\n\nChannel 0: Yeah.\n\nChannel 1: the checkups.\n\nChannel 0: The\n\nChannel 1: Yeah. So I haven't I'm not\n\nChannel 0: yeah.\n\nChannel 1: like a lot of Crohn's I mean, I do take medication for it, but a lot\n\nChannel 0: Yep.\n\nChannel 1: of Crohn's sufferers end up in hospital all the time. I'm not like that at all at\n\nChannel 0: Yeah.\n\nChannel 1: all. So yeah.\n\nChannel 0: Under understandable. Yeah. We could still do the pre assessment process where I book you and with one of my colleagues and they go through and you just go through the list of questions of what you know about your current conditions and everything like that. That's including, like, mental health, anything past, a bit of family history, and your bit more about your occupation. And then they can blindly\n\nChannel 1: Yep.\n\nChannel 0: send that off to the insurer, and they can just we can wait a few weeks and see what they come back with and if what the sort of requirements would be, and then you could make a bit of a decision if you wanna proceed with\n\nChannel 1: Well, maybe maybe we do that then because the others can still stay in the background anyway, really, can't it?\n\nChannel 0: Yeah. While this is\n\nChannel 1: Like,\n\nChannel 0: all\n\nChannel 1: we're\n\nChannel 0: going on,\n\nChannel 1: not\n\nChannel 0: that all\n\nChannel 1: yeah.\n\nChannel 0: still stays there. The only thing at the moment is that your money is obviously sitting in host plus that you wanted to roll over, but it's not a huge\n\nChannel 1: Yeah.\n\nChannel 0: deal with the way the markets are. Anything, if anything, moving money at the moment, it's a little bit more volatile. So, you\n\nChannel 1: True.\n\nChannel 0: know, a few weeks'\n\nChannel 1: True.\n\nChannel 0: time,\n\nChannel 1: True.\n\nChannel 0: the wall might be finished and things might steady out a little\n\nChannel 1: Unless\n\nChannel 0: bit. So you don't\n\nChannel 1: you\n\nChannel 0: have to\n\nChannel 1: invest\n\nChannel 0: worry about\n\nChannel 1: in unless you invest in fuel, because, apparently, that's the only thing that's that's making money at the minute.\n\nChannel 0: yeah. Crude oil and everything could be a bit of a jump. Funnily enough, like, no one's actually you know, if you wanna invest in it now, you kinda missed the boat. You're jumping in\n\nChannel 1: Give\n\nChannel 0: at\n\nChannel 1: me\n\nChannel 0: the high.\n\nChannel 1: the bike.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: yeah. But in saying that, the markets are you know, with the ceasefire and everything that was announced today, they have shown a few positive days in the past week there. So, hopefully, things are coming to a bit of a conclusion and things are sitting out a little bit as well, and everything's getting back to normal a bit.\n\nChannel 1: Yeah. Yeah. Well, let's hope so because I work in the travel industry and it's wreaking havoc with my clients.\n\nChannel 0: I\n\nChannel 1: So\n\nChannel 0: I can\n\nChannel 1: I need\n\nChannel 0: imagine.\n\nChannel 1: them to I need them to do this ceasefire for longer than two weeks so I can get some people off this you know, to Europe in the busiest\n\nChannel 0: Yeah.\n\nChannel 1: time, which is coming up. So\n\nChannel 0: I have a few\n\nChannel 1: yeah.\n\nChannel 0: family, friends, and everything that even just getting to the The UK, they're having to go\n\nChannel 1: Yeah.\n\nChannel 0: through, like, Singapore, and the the\n\nChannel 1: Oh,\n\nChannel 0: flights have\n\nChannel 1: yeah.\n\nChannel 0: gone up tenfold because there's only, like, a few flights that go out of there, and it's just mayhem.\n\nChannel 1: Oh, yeah. Yeah. It's it's a nightmare. I had a 100 and something like a 162 clients that are traveling between when it all sorta happened and the May 15. And, like,\n\nChannel 0: Okay.\n\nChannel 1: it's just a nightmare. When you take the Middle Eastern carriers out of the equation, there's not a lot left.\n\nChannel 0: Yeah.\n\nChannel 1: So it's\n\nChannel 0: Without Doha and Dubai, there's not many\n\nChannel 1: yeah.\n\nChannel 0: stopovers in that sort of\n\nChannel 1: It\n\nChannel 0: region.\n\nChannel 1: is. Yep. Yeah. So it's giving me a bit of COVID PTSD, to be honest. So so I need it to\n\nChannel 0: What?\n\nChannel 1: be over.\n\nChannel 0: Yeah. I'm sure it's keeping you busy.\n\nChannel 1: It\n\nChannel 0: In\n\nChannel 1: sure\n\nChannel 0: saying\n\nChannel 1: is.\n\nChannel 0: that the is there a time that sort of works for you in terms of, like, doing this pre assessment with one of my colleagues in getting that done to be able to send off?\n\nChannel 1: Yeah. Look. I can anytime sort of in the aft actually, next next Wednesday, I'm working from oh, sorry. Next Tuesday, I'm working from home. So if you've got something in the afternoon next Tuesday, which is the fourteenth, I'm pretty much free all day.\n\nChannel 0: Yep. I'll just have a look and see who is available. Bear with me. Yeah. So I do have the person that would be doing it working at a bit of a late day.\n\nSo anything you know? I think daylight savings finished now. So we're on the same time clock, but I can do something around 05:00 there\n\nChannel 1: Yeah.\n\nChannel 0: or 4PM\n\nChannel 1: I can\n\nChannel 0: if\n\nChannel 1: even\n\nChannel 0: that works\n\nChannel 1: do\n\nChannel 0: for you.\n\nChannel 1: earlier. I can even do earlier. Like, you can do, you know, 03:00 if you want to because I'll be just sitting at home working.\n\nChannel 0: Okay. Yeah. I'll check-in for for three. And if you are a little bit busy with\n\nChannel 1: Yeah.\n\nChannel 0: the the mayhem, you can just say give me a callback a bit later.\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Perfect. I'll check that in now. And as I said, they'll just go a little bit more into, like, your occupational duties, which isn't, like, a huge thing because you they're not exactly in a risky occupation.\n\nChannel 1: Yeah.\n\nChannel 0: A little bit about your own history, family history, and then, like, as long as you it even says on your Clearview policy that your if five years no symptoms, it was reviewable just due to the postnatal depression. So there's a chance\n\nChannel 1: Yeah.\n\nChannel 0: that if you do disclose everything regards to\n\nChannel 1: Yep.\n\nChannel 0: it just being postnatal depression, there's no sort of ongoing stress, depression symptoms, things like that, that it might not be an exclusion because it was related to the pregnancy time.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So there's a chance that on your policy that might not apply. I'm not saying a 100% because mental health exclusion say you can say you're stressed at work on the day, and then they'll throw it on there just because it is one of the more claimed on things,\n\nChannel 1: Yeah. Yeah. Of course.\n\nChannel 0: which is yeah. So as long as, you know, there's no ongoing symptoms, obviously, you know, work is stressful in general. But if it's\n\nChannel 1: Yeah.\n\nChannel 0: not related to, you know, you taking time off seeking help and things like that, you know, as soon as you mention it in a way that I'm stressed at work, it will be an exclusion, which is unfortunate.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: yeah. So as long as you disclose everything with that in regards to your your Crohn's, they'll be able to send that off, see how insurance will rate you and what they might come back with and what, like, requirements they would have, and then you can make a decision whether or not you wanna revisit cover and doing a top up that way.\n\nChannel 1: Yep. Sure. No problems.\n\nChannel 0: Perfect.\n\nChannel 1: And then once we sort of do that, then we can revisit again. Because if they come back and they say they'll cover, let's say they cover Crohn's and they cover mental health, let's say, because it's been longer than five years, then I might not even bother needing a host plus altogether.\n\nChannel 0: Yep. Yeah. The likelihood that they'll cover, like, they like I said, they could cover and, like, have the loading, but then you're paying more. But, yeah, that's probably on the the rare side. It's likely it's gonna be some form of exclusion relating to the krones.\n\nChannel 1: Yep.\n\nChannel 0: And then you probably still wanna keep it. But I say, like, once we get the results back, you'll even be able to know, like because ClearViews will be one of the people we look at it with,\n\nChannel 1: Yep.\n\nChannel 0: how they'll rate it. And even if it just comes down to you just wanting to disclose to ClearView that you didn't disclose it in the the past and seeing how they'll accept it now that you're disclosing it, now that you're aware of it, and seeing\n\nChannel 1: Yep.\n\nChannel 0: what that might be in terms of, like, costs and exclusions and things like that, and then just maintaining that policy or going back to market. Even that\n\nChannel 1: Yep.\n\nChannel 0: it's a few years older, the policy, likelihood that it's like, there's a cheaper policy out there is a lot higher.\n\nChannel 1: Mhmm.\n\nChannel 0: And if it comes back with the the mental health and then the exclusion, it's no different to a policy that you have now currently because the likelihood it would have been exclusion on that policy anyway is pretty,\n\nChannel 1: Yep.\n\nChannel 0: pretty high.\n\nChannel 1: Yep. Yep. No. Understood. Understood.\n\nChannel 0: Not a problem. Well, I've got you booked in, yeah, next week for that that pre assessment there,\n\nChannel 1: Sure.\n\nChannel 0: and then I'll be able to run through that. I would say it'll probably take a few weeks. The insurers are quite slow. And then following\n\nChannel 1: That's alright.\n\nChannel 0: that, we can let you know the the results of that and then have a full discussion around everything you wanna achieve and your goals and everything and put it all in an advice piece for you.\n\nChannel 1: Yep. No worries. And by then, we would I think last time I spoke to you about purchasing an investment property, I think, we talked about.\n\nChannel 0: Yeah. I didn't mention it. Is that something you're sort of leaning towards more? I\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: noticed in\n\nChannel 1: We've\n\nChannel 0: the next twelve months in the Sunshine Coast, but I wasn't\n\nChannel 1: yeah.\n\nChannel 0: sure if you\n\nChannel 1: No. We definitely are. Like, we're sort of in we've spoken to, like, a buyer's advocate kind of person,\n\nChannel 0: Yep.\n\nChannel 1: and we're in the final stages of having the loan approved for that. So that will sort of all happen in the next four weeks anyway. So probably by the time I speak to you, there'll be more of an update when it comes to that as well.\n\nChannel 0: Okay. And just accurate, you're not, like, paying a huge buyer's premium for them finding the\n\nChannel 1: No.\n\nChannel 0: property or anything like that? Yeah.\n\nChannel 1: Well,\n\nChannel 0: Okay.\n\nChannel 1: I think it's look. It's about I think it works out to be about 14,000 overall. I don't know whether\n\nChannel 0: Okay.\n\nChannel 1: that's good or whether that's the I I really don't know. But, I mean, we don't we don't they will find the property for us, and they'll manage it manage it as well, I believe.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I I really don't know because we don't know where to even start looking, to be honest. You know, we\n\nChannel 0: Yeah.\n\nChannel 1: don't know what what places are up and coming, and I don't have the time, to be honest, to even think about that. So\n\nChannel 0: Yeah.\n\nChannel 1: unless you've got an idea that you think maybe we should be speaking to somebody else, yeah, I just sort\n\nChannel 0: It\n\nChannel 1: of I\n\nChannel 0: just comes\n\nChannel 1: I\n\nChannel 0: down to a bit, like, of a a convenience thing. Like you said, if you're not willing to, like, put in the work to to look for it. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: a mortgage broker does the loan side of things, but in terms of, like, picking a property, they'll give you some, like, insights and things like that. Their buyer's agent will obviously, you know, put the effort into finding an actual property and, like I said, if they're willing\n\nChannel 1: Yeah.\n\nChannel 0: to manage it or not. What\n\nChannel 1: Yeah.\n\nChannel 0: that looks like, sometimes they do it like a percentage of, like, the purchase price, which can, you know, make it quite exorbitant. Then\n\nChannel 1: Expensing.\n\nChannel 0: sometimes, you know, you end up, like, with a 50 k bill at the end of it just for\n\nChannel 1: Yeah.\n\nChannel 0: them doing that and finding a property. But if you're more than sort of happy with that price, obviously, there's a bit of a sum. But at the time end of time, if it's a convenience that you're willing to to pay for, that's up to you at the at the end of the day.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And then\n\nChannel 1: I mean, 14,000, and it's 14,000 to be added to the price of the sale pretty much, which is what what we will do. I think that's quite reasonable for the amount of work they're gonna have to do. Like, at at at you know, I think $1,414,000 dollars time in my books, I'm not sure I could invest that that amount of time. So I think it's pretty best to outsource that to somebody that it's their bread and butter, and they could do it better than me, definitely.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: liaising\n\nChannel 0: if that takes\n\nChannel 1: with contracts\n\nChannel 0: the\n\nChannel 1: and all that kind of stuff, I'm just like, no.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: If it if they do all that and everything, you don't have to worry about a a lawyer or anything like that with that\n\nChannel 1: Yeah.\n\nChannel 0: service and the buying of the property. If that's all included, it does sort of reduce that cost at the end of the day as well\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Yeah.\n\nChannel 0: they're reading\n\nChannel 1: Exactly.\n\nChannel 0: through all the contracts and everything. So, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: if you're happy with that that price, obviously, it just depends on what service you get. I couldn't sort of say on or not whether or not, like, what the you're actually getting out of it, but it it sounds like not not too bad compared to some of the ones out there.\n\nChannel 1: Yeah. Yeah. Yeah. No. We thought it was gonna be a percentage, but now he came in at a flat rate.\n\nSo which is great which is great, and he's pretty good. The guy that we've sort of been chatting to is is pretty good at it. Although he's already sent me a bill, and I said to him, we're not paying the bill until we've got the loan approved. Like, just settle down for a minute. So\n\nChannel 0: Yep.\n\nChannel 1: but yeah. No. He's he's pretty good.\n\nChannel 0: Okay. Well, that that's good to hear that, Stacy.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Well, I've got you you booked in for that, and then we'll be able to run through all those updates and everything when you get back in touch with us when we get those\n\nChannel 1: Yep.\n\nChannel 0: results. And then, have a discussion on what you actually wanna do with that insurance, whether you wanna wanna keep that policy. Obviously, the the host plus is probably likely to to stay given\n\nChannel 1: Yes.\n\nChannel 0: everything,\n\nChannel 1: Yep.\n\nChannel 0: but, yeah,\n\nChannel 1: Yep.\n\nChannel 0: that the external policy can definitely be reviewed.\n\nChannel 1: Yep. Sounds great. Awesome.\n\nChannel 0: No problem. Is there anything else you wanna have a chat about while you've got me there?\n\nChannel 1: No. That's all. That's all I need. That's really good. Thank you so much.\n\nChannel 0: Not a problem at all. Well, you enjoy the rest of your afternoon. Good luck with everything in the\n\nChannel 1: You\n\nChannel 0: meantime.\n\nChannel 1: too.\n\nChannel 0: Hopefully,\n\nChannel 1: Thank\n\nChannel 0: this\n\nChannel 1: you.\n\nChannel 0: will end soon for you.\n\nChannel 1: Oh, so no. Exactly. I hope so.\n\nChannel 0: Thanks. Have\n\nChannel 1: Thank you. See\n\nChannel 0: a good\n\nChannel 1: see\n\nChannel 0: one,\n\nChannel 1: you\n\nChannel 0: Susan.\n\nChannel 1: later.\n\nChannel 0: Bye now. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.04523532465100288},{"text":"Stacy speaking.","start":1.04,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.0731988474726677},{"text":"How","start":2.6399999,"end":3.12,"sentiment":"positive","sentiment_score":0.3515244722366333}],"sentiment":"neutral","sentiment_score":0.1357893729582429,"channel":1,"num_words":4,"start":0.48,"end":3.12},{"sentences":[{"text":"Good afternoon,","start":2.6399999,"end":3.36,"sentiment":"neutral","sentiment_score":0.3059813976287842}],"sentiment":"neutral","sentiment_score":0.3059813976287842,"channel":0,"num_words":2,"start":2.6399999,"end":3.36},{"sentences":[{"text":"are you doing?","start":3.12,"end":3.78,"sentiment":"neutral","sentiment_score":0.31335365772247314}],"sentiment":"neutral","sentiment_score":0.31335365772247314,"channel":1,"num_words":3,"start":3.12,"end":3.78},{"sentences":[{"text":"Stacy.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.15084289014339447},{"text":"It's Kyle calling from IP Financial.","start":3.6799998,"end":5.44,"sentiment":"neutral","sentiment_score":0.1276673525571823},{"text":"How are you today?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.1770259328186512}],"sentiment":"neutral","sentiment_score":0.14772279425100845,"channel":0,"num_words":11,"start":3.36,"end":6.3399997},{"sentences":[{"text":"I'm good.","start":6.3999996,"end":6.96,"sentiment":"positive","sentiment_score":0.3642285615205765},{"text":"How are you?","start":6.96,"end":7.7,"sentiment":"neutral","sentiment_score":0.23976529637972513}],"sentiment":"neutral","sentiment_score":0.2895506024360657,"channel":1,"num_words":5,"start":6.3999996,"end":7.7},{"sentences":[{"text":"Yeah.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.17066088318824768},{"text":"Not too bad, bro.","start":8.24,"end":9.12,"sentiment":"neutral","sentiment_score":0.24610374122858047},{"text":"Thanks for asking.","start":9.12,"end":9.679999,"sentiment":"positive","sentiment_score":0.5900564591089884},{"text":"I did schedule you in for a bit of a catch up today.","start":9.679999,"end":11.54,"sentiment":"neutral","sentiment_score":0.2868380191234442}],"sentiment":"neutral","sentiment_score":0.31686378447782426,"channel":0,"num_words":21,"start":7.9199996,"end":11.54},{"sentences":[{"text":"Yes.","start":11.92,"end":12.32,"sentiment":"positive","sentiment_score":0.3729396462440491},{"text":"That's perfect.","start":12.32,"end":13.059999,"sentiment":"positive","sentiment_score":0.6808107197284698},{"text":"Thank you.","start":13.12,"end":13.86,"sentiment":"positive","sentiment_score":0.6470109224319458}],"sentiment":"positive","sentiment_score":0.6057165861129761,"channel":1,"num_words":5,"start":11.92,"end":13.86},{"sentences":[{"text":"Not a problem at all.","start":14.335,"end":15.215,"sentiment":"neutral","sentiment_score":0.27133578062057495},{"text":"Just to confirm your details there, Stacy, if I could just pass you security with that name, date of birth, and current address.","start":15.215,"end":20.755001,"sentiment":"neutral","sentiment_score":0.1426130060268485}],"sentiment":"neutral","sentiment_score":0.16559921577572823,"channel":0,"num_words":28,"start":14.335,"end":20.755001},{"sentences":[{"text":"Yeah.","start":21.035,"end":21.515,"sentiment":"neutral","sentiment_score":0.0705854743719101},{"text":"So it's Stacy Rose Daily, 03/31/1980, and 2 Slash 16 Howard Road.","start":21.515,"end":27.135,"sentiment":"neutral","sentiment_score":0.05915182363241911}],"sentiment":"neutral","sentiment_score":0.06003133522776457,"channel":1,"num_words":13,"start":21.035,"end":27.135},{"sentences":[{"text":"Perfect.","start":28.03,"end":28.35,"sentiment":"positive","sentiment_score":0.5013435482978821},{"text":"Thank you, Donna.","start":28.35,"end":28.79,"sentiment":"positive","sentiment_score":0.5064807335535685},{"text":"I'll just let you know these calls are recorded for quality and training purposes there as well.","start":28.79,"end":32.690002,"sentiment":"neutral","sentiment_score":0.2120151046444388}],"sentiment":"neutral","sentiment_score":0.26785916799590703,"channel":0,"num_words":21,"start":28.03,"end":32.690002},{"sentences":[{"text":"Sure.","start":32.989998,"end":33.489998,"sentiment":"neutral","sentiment_score":0.08844958245754242}],"sentiment":"neutral","sentiment_score":0.08844958245754242,"channel":1,"num_words":1,"start":32.989998,"end":33.489998},{"sentences":[{"text":"Now I know we had a brief discussion the other week there, and then just given the deduction that was coming out of your super, I just wanted to have a look to see if we could find that policy.","start":34.11,"end":42.875,"sentiment":"neutral","sentiment_score":0.036070002056658265},{"text":"Now we did send that third party authority off to Clearview that was, like, taking the rollover from your fund, and it did come up that you do hold a life and","start":43.094997,"end":52.934998,"sentiment":"neutral","sentiment_score":0.0265182179864496}],"sentiment":"neutral","sentiment_score":0.03182476469212108,"channel":0,"num_words":72,"start":34.11,"end":52.934998},{"sentences":[{"text":"Yes.","start":52.805,"end":53.305,"sentiment":"neutral","sentiment_score":0.03359635919332504}],"sentiment":"neutral","sentiment_score":0.03359635919332504,"channel":1,"num_words":1,"start":52.805,"end":53.305},{"sentences":[{"text":"TPD policy with Clearview.","start":52.934998,"end":54.875,"sentiment":"neutral","sentiment_score":0.019804644864052534}],"sentiment":"neutral","sentiment_score":0.019804644864052534,"channel":0,"num_words":4,"start":52.934998,"end":54.875},{"sentences":[{"text":"Yeah.","start":55.44,"end":55.76,"sentiment":"neutral","sentiment_score":0.00575699657201767},{"text":"I actually asked after I'd spoken to you, I I said to my husband, do we have an extra insurance policy?","start":55.76,"end":61.12,"sentiment":"neutral","sentiment_score":-0.05207195682894616},{"text":"And apparently, we do.","start":61.12,"end":62.079998,"sentiment":"neutral","sentiment_score":-0.03505068924278021},{"text":"Apparently, I do have an extra, and I had no idea that I even had it.","start":62.079998,"end":65.86,"sentiment":"neutral","sentiment_score":-0.13222343963570893},{"text":"He said because he's insured for a million dollars if something happens to him.","start":66.08,"end":70.875,"sentiment":"neutral","sentiment_score":-0.11437969601580075}],"sentiment":"neutral","sentiment_score":-0.08830085057499153,"channel":1,"num_words":56,"start":55.44,"end":70.875},{"sentences":[{"text":"He said your we had to up yours because your super wasn't gonna cover enough or something.","start":70.875,"end":77.215,"sentiment":"neutral","sentiment_score":-0.20180878525271134},{"text":"So I don't know whether whether there's a better option out there or whether just to leave it as it is.","start":79.115,"end":87.16,"sentiment":"neutral","sentiment_score":-0.15390519443012418},{"text":"What are your thoughts with that?","start":88.1,"end":89.72,"sentiment":"neutral","sentiment_score":-0.06658144605656464}],"sentiment":"neutral","sentiment_score":-0.16050561610609293,"channel":1,"num_words":44,"start":70.875,"end":89.72},{"sentences":[{"text":"So upon reviewing that because the policy was taken out in 2022.","start":90.62,"end":94.8,"sentiment":"neutral","sentiment_score":-0.06956111391385396}],"sentiment":"neutral","sentiment_score":-0.06956111391385396,"channel":0,"num_words":12,"start":90.62,"end":94.8},{"sentences":[{"text":"Yeah.","start":95.54,"end":96.04,"sentiment":"neutral","sentiment_score":-0.04898741468787193}],"sentiment":"neutral","sentiment_score":-0.04898741468787193,"channel":1,"num_words":1,"start":95.54,"end":96.04},{"sentences":[{"text":"Now with that one there, the mental health exclusion is on the total parent disability, but there is no mention of your Crohn's.","start":95.604996,"end":102.725,"sentiment":"neutral","sentiment_score":-0.1567152246184971},{"text":"So when were you diagnosed with your Crohn's?","start":102.725,"end":105.865,"sentiment":"neutral","sentiment_score":-0.08581813517957926}],"sentiment":"neutral","sentiment_score":-0.13841920153748605,"channel":0,"num_words":31,"start":95.604996,"end":105.865},{"sentences":[{"text":"It was a long, long time ago.","start":107.175,"end":110.49,"sentiment":"neutral","sentiment_score":-0.09856521231787545},{"text":"Probably 2039.","start":110.729996,"end":114.03,"sentiment":"neutral","sentiment_score":-0.04053858295083046}],"sentiment":"neutral","sentiment_score":-0.08567040579186545,"channel":1,"num_words":9,"start":107.175,"end":114.03},{"sentences":[{"text":"2019.","start":115.46001,"end":116.200005,"sentiment":"neutral","sentiment_score":-0.03409025818109512},{"text":"And did you like, I know it's it's a while ago now.","start":116.26,"end":119.54,"sentiment":"neutral","sentiment_score":-0.056425333954393864},{"text":"Did you remember sort of disclosing that you had Crohn's on that insurance application?","start":119.54,"end":123.475,"sentiment":"neutral","sentiment_score":-0.03892253738428865},{"text":"Or","start":123.695,"end":124.195,"sentiment":"neutral","sentiment_score":-0.034553591161966324}],"sentiment":"neutral","sentiment_score":-0.04609512072056532,"channel":0,"num_words":28,"start":115.46001,"end":124.195},{"sentences":[{"text":"I don't believe I did with this latest one that we're talking about Clearview, I don't believe we did because I thought we had it it wasn't gonna be covered.","start":124.215004,"end":133.835,"sentiment":"neutral","sentiment_score":-0.08114665200312933},{"text":"But in the previous one, the with host plus, we thought that it was covered with that, which is why we left some of our money sitting in Hostplus","start":134.775,"end":143.85,"sentiment":"neutral","sentiment_score":-0.019478417579726928}],"sentiment":"neutral","sentiment_score":-0.050835146947558654,"channel":1,"num_words":59,"start":124.215004,"end":143.85},{"sentences":[{"text":"Yeah.","start":144.045,"end":144.545,"sentiment":"neutral","sentiment_score":-0.0064329830929636955}],"sentiment":"neutral","sentiment_score":-0.0064329830929636955,"channel":0,"num_words":1,"start":144.045,"end":144.545},{"sentences":[{"text":"or some of my money in Hostplus.","start":144.47,"end":146.25,"sentiment":"neutral","sentiment_score":-0.013421231880784035},{"text":"Is that correct?","start":146.63,"end":147.53,"sentiment":"neutral","sentiment_score":0.015233365508417288}],"sentiment":"neutral","sentiment_score":-0.004824852664023637,"channel":1,"num_words":10,"start":144.47,"end":147.53},{"sentences":[{"text":"So within regards to host plus fund, because it is group insurance, because that one, like, the fund itself predates you actually having Crohn's.","start":147.885,"end":156.925,"sentiment":"neutral","sentiment_score":0.012571168968861457},{"text":"It just means that if you were to sort of have an event to where you couldn't potentially work due to your Crohn's, the income protection policy might cover that.","start":156.925,"end":166.90999,"sentiment":"neutral","sentiment_score":-0.020939150638878346},{"text":"And then same","start":166.90999,"end":167.47,"sentiment":"neutral","sentiment_score":0.004876699298620224}],"sentiment":"neutral","sentiment_score":-0.00547081343890903,"channel":0,"num_words":57,"start":147.885,"end":167.47},{"sentences":[{"text":"Yep.","start":167.375,"end":167.875,"sentiment":"neutral","sentiment_score":0.001836088835261762}],"sentiment":"neutral","sentiment_score":0.001836088835261762,"channel":1,"num_words":1,"start":167.375,"end":167.875},{"sentences":[{"text":"with the total parent disability, if you were never able to work due to your Crohn's because group insurance is underwritten at the time of claim.","start":167.47,"end":174.76999,"sentiment":"neutral","sentiment_score":-0.013510504880776772}],"sentiment":"neutral","sentiment_score":-0.013510504880776772,"channel":0,"num_words":26,"start":167.47,"end":174.76999},{"sentences":[{"text":"Yes.","start":175.18,"end":175.68,"sentiment":"neutral","sentiment_score":0.0777788758277893}],"sentiment":"neutral","sentiment_score":0.0777788758277893,"channel":1,"num_words":1,"start":175.18,"end":175.68},{"sentences":[{"text":"And if your insurance","start":175.33499,"end":176.39499,"sentiment":"neutral","sentiment_score":0.1393538974225521}],"sentiment":"neutral","sentiment_score":0.1393538974225521,"channel":0,"num_words":4,"start":175.33499,"end":176.39499},{"sentences":[{"text":"Okay.","start":175.9,"end":176.4,"sentiment":"neutral","sentiment_score":0.14594614505767822}],"sentiment":"neutral","sentiment_score":0.14594614505767822,"channel":1,"num_words":1,"start":175.9,"end":176.4},{"sentences":[{"text":"predates that condition, there's a good chance that that might pay out.","start":176.455,"end":180.69499,"sentiment":"neutral","sentiment_score":0.21115419082343578},{"text":"Whereas taking out a policy after the fact you're diagnosed with something, technically, they pre assess it at the time of, like, the actual","start":180.69499,"end":187.735,"sentiment":"neutral","sentiment_score":0.00835733332981666}],"sentiment":"neutral","sentiment_score":0.0759562858276897,"channel":0,"num_words":36,"start":176.455,"end":187.735},{"sentences":[{"text":"Yeah.","start":187.545,"end":188.045,"sentiment":"neutral","sentiment_score":0.012629909440875052}],"sentiment":"neutral","sentiment_score":0.012629909440875052,"channel":1,"num_words":1,"start":187.545,"end":188.045},{"sentences":[{"text":"application to exclude","start":187.735,"end":189.355,"sentiment":"neutral","sentiment_score":-0.004236326863368352}],"sentiment":"neutral","sentiment_score":-0.004236326863368352,"channel":0,"num_words":3,"start":187.735,"end":189.355},{"sentences":[{"text":"Sure.","start":189.22499,"end":189.72499,"sentiment":"neutral","sentiment_score":0.005743935704231262}],"sentiment":"neutral","sentiment_score":0.005743935704231262,"channel":1,"num_words":1,"start":189.22499,"end":189.72499},{"sentences":[{"text":"anything that may be already preexisting.","start":189.415,"end":192.05,"sentiment":"neutral","sentiment_score":-0.036279390255610146},{"text":"And then just because you haven't mentioned the Crohn's with that Clearview policy, there is a chance that it might be a nondisclosure if you didn't actually","start":192.43001,"end":200.83,"sentiment":"neutral","sentiment_score":-0.007489782965017689}],"sentiment":"neutral","sentiment_score":-0.012724257017852682,"channel":0,"num_words":33,"start":189.415,"end":200.83},{"sentences":[{"text":"Yep.","start":200.78,"end":201.28,"sentiment":"neutral","sentiment_score":-0.06855933368206024}],"sentiment":"neutral","sentiment_score":-0.06855933368206024,"channel":1,"num_words":1,"start":200.78,"end":201.28},{"sentences":[{"text":"disclose it to that insurer when taking out that policy,","start":200.83,"end":204.13,"sentiment":"neutral","sentiment_score":-0.07923085577785968}],"sentiment":"neutral","sentiment_score":-0.07923085577785968,"channel":0,"num_words":10,"start":200.83,"end":204.13},{"sentences":[{"text":"Yep.","start":204.78,"end":205.28,"sentiment":"neutral","sentiment_score":-0.07934856414794922}],"sentiment":"neutral","sentiment_score":-0.07934856414794922,"channel":1,"num_words":1,"start":204.78,"end":205.28},{"sentences":[{"text":"which 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They discuss the possibility of changing the policy and adjusting it if necessary. The agent explains the pre- assessment process for a potential patient and discusses the risks of the market. The agent also explains the process for finding a property and the cost of insurance. The customer expresses concern about the volatile market and ceasefire in Singapore, but the agent suggests waiting a few weeks and adjusting the policy if necessary. They schedule a follow-up call to discuss the policy and the process for finding a property."},"intents":{"segments":[{"text":"I did schedule you in for a bit of a catch up today. Yes.","start_word":33,"end_word":46,"intents":[{"intent":"Schedule catch up","confidence_score":0.60616815}]},{"text":"Just to confirm your details there, Stacy, if I could just pass you security with that name, date of birth, and current address. Yeah.","start_word":56,"end_word":79,"intents":[{"intent":"Pass security details","confidence_score":0.43603092}]},{"text":"Now I know we had a brief discussion the other week there, and then just given the deduction that was coming out of your super, I just wanted to have a look to see if we could find that policy.","start_word":114,"end_word":153,"intents":[{"intent":"Find policy","confidence_score":0.56931025}]},{"text":"So upon reviewing that because the policy was taken out in 2022. Yeah.","start_word":291,"end_word":303,"intents":[{"intent":"Review policy","confidence_score":0.48318288}]},{"text":"So when were you diagnosed with your Crohn's?","start_word":327,"end_word":334,"intents":[{"intent":"Check crohn's diagnosis","confidence_score":0.03484141}]},{"text":"But in the previous one, the with host plus, we thought that it was covered with that, which is why we left some of our money sitting in Hostplus Yeah. or some of my money in Hostplus. Is that correct?","start_word":402,"end_word":441,"intents":[{"intent":"Clarify coverage of rohn's coverage","confidence_score":0.000056835685}]},{"text":"So within regards to host plus fund, because it is group insurance, because that one, like, the fund itself predates you actually having Crohn's. It just means that if you were to sort of have an event to where you couldn't potentially work due to your Crohn's, the income protection policy might cover that. And then same Yep.","start_word":442,"end_word":499,"intents":[{"intent":"Explain insurance coverage for rohn's event","confidence_score":0.0009256427}]},{"text":"And then just because you haven't mentioned the Crohn's with that Clearview policy, there is a chance that it might be a nondisclosure if you didn't actually Yep. disclose it to that insurer when taking out that policy, Yep. which could And affect that's that. fine.","start_word":579,"end_word":624,"intents":[{"intent":"Describe possible nondisclosure of insurance coverage","confidence_score":0.00000107555}]},{"text":"It is up to you at the end of the day if you did want to disclose Yep. that to them.","start_word":717,"end_word":737,"intents":[{"intent":"Discuss insurance policy options","confidence_score":0.058385927}]},{"text":"The options with that one as well, just because we're not the adviser on the policy, so you could have it to where we take over the policy or you could just leave it where it is, and then we just keep the third party authority and then just keep doing it as it is.","start_word":739,"end_word":793,"intents":[{"intent":"Explain policy options","confidence_score":0.01181006},{"intent":"Discuss policy options","confidence_score":0.08692171}]},{"text":"No.","start_word":935,"end_word":935,"intents":[{"intent":"Express confusion","confidence_score":0.0035052516}]},{"text":"How long have I been with you guys for?","start_word":945,"end_word":953,"intents":[{"intent":"Confirm coverage","confidence_score":0.00004276906}]},{"text":"Is it worthwhile having a look at what you can offer for the insurance if I was to just get you to do it all?","start_word":1007,"end_word":1031,"intents":[{"intent":"Offer insurance policy","confidence_score":0.0044168206}]},{"text":"There's still that potential nondisclosure there.","start_word":1045,"end_word":1050,"intents":[{"intent":"Understand potential nondisclosure","confidence_score":0.00043243603},{"intent":"Assess potential nondisclosure","confidence_score":0.0007091568}]},{"text":"If we were to look to market and do sort of like a similar policy and look at just rewriting it, there would likely be a loading or an exclusion for your krones in Which addition is fine to because that.","start_word":1052,"end_word":1092,"intents":[{"intent":"Rewrite and retain policy","confidence_score":0.0005887254}]},{"text":"if there is an opportunity for you to take it over or for you to do something that's similar cost or cheaper, then I'm happy with that. Yeah.","start_word":1209,"end_word":1236,"intents":[{"intent":"Take over policy","confidence_score":0.5197237}]},{"text":"change the the premiums, or we can look to rewrite entirely.","start_word":1288,"end_word":1298,"intents":[{"intent":"Change premiums","confidence_score":0.18945862}]},{"text":"It's mainly just covering those insurances you do hold in there. Yep.","start_word":1426,"end_word":1437,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.047690462}]},{"text":"That's just up to Yeah. the insurer at the end of the day what they're willing to do. Yeah.","start_word":1764,"end_word":1782,"intents":[{"intent":"Determine insurance coverage","confidence_score":0.006027628}]},{"text":"We could still do the pre assessment process where I book you and with one of my colleagues and they go through and you just go through the list of questions of what you know about your current conditions and everything like that.","start_word":2127,"end_word":2169,"intents":[{"intent":"Discuss pre assessment process and discuss current conditions","confidence_score":0.00003510391}]},{"text":"We could still do the pre assessment process where I book you and with one of my colleagues and they go through and you just go through the list of questions of what you know about your current conditions and everything like that. That's including, like, mental health, anything past, a bit of family history, and your bit more about your occupation.","start_word":2127,"end_word":2188,"intents":[{"intent":"Discuss current conditions and potential needs","confidence_score":0.00016402492}]},{"text":"So you don't you have to invest worry about in unless you invest in fuel, because, apparently, that's the only thing that's that's making money at the minute. yeah.","start_word":2351,"end_word":2379,"intents":[{"intent":"Discuss options for evaluating investments","confidence_score":0.000009326429},{"intent":"Discuss investing in fuel","confidence_score":0.05178524}]},{"text":"Crude oil and everything could be a bit of a jump.","start_word":2380,"end_word":2390,"intents":[{"intent":"Discuss investing in oil","confidence_score":0.02914758}]},{"text":"But in saying that, the markets are you know, with the ceasefire and everything that was announced today, they have shown a few positive days in the past week there. So, hopefully, things are coming to a bit of a conclusion and things are sitting out a little bit as well, and everything's getting back to normal a bit. Yeah.","start_word":2425,"end_word":2484,"intents":[{"intent":"Do ceasefire","confidence_score":0.018028433},{"intent":"Obtain ceasefire information","confidence_score":0.00017279443}]},{"text":"Well, let's hope so because I work in the travel industry and it's wreaking havoc with my clients. I So I can I need imagine. them to I need them to do this ceasefire for longer than two weeks so I can get some people off this you know, to Europe in the busiest Yeah.","start_word":2485,"end_word":2539,"intents":[{"intent":"Work in travel industry","confidence_score":0.003555932}]},{"text":"I'll just have a look and see who is available. Bear with me.","start_word":2785,"end_word":2797,"intents":[{"intent":"Check availability","confidence_score":0.13052134}]},{"text":"the the mayhem, you can just say give me a callback a bit later. Yeah.","start_word":2897,"end_word":2911,"intents":[{"intent":"Schedule callback","confidence_score":0.22894064}]},{"text":"A little bit about your own history, family history, and then, like, as long as you it even says on your Clearview policy that your if five years no symptoms, it was reviewable just due to the postnatal depression.","start_word":2953,"end_word":2991,"intents":[{"intent":"Discuss history","confidence_score":0.07607962}]},{"text":"that if you do disclose everything regards to Yep. it just being postnatal depression, there's no sort of ongoing stress, depression symptoms, things like that, that it might not be an exclusion because it was related to the pregnancy time. Yep.","start_word":2997,"end_word":3037,"intents":[{"intent":"Identify potential issues","confidence_score":0.0016029541}]},{"text":"I'm not saying a 100% because mental health exclusion say you can say you're stressed at work on the day, and then they'll throw it on there just because it is one of the more claimed on things, Yeah.","start_word":3051,"end_word":3089,"intents":[{"intent":"Discuss health exclusion","confidence_score":0.010023685}]},{"text":"So as long as you disclose everything with that in regards to your your Crohn's, they'll be able to send that off, see how insurance will rate you and what they might come back with and what, like, requirements they would have, and then you can make a decision whether or not you wanna revisit cover and doing a top up that way. Yep.","start_word":3162,"end_word":3225,"intents":[{"intent":"Expedite insurance coverage","confidence_score":0.0042773117}]},{"text":"Even that Yep. it's a few years older, the policy, likelihood that it's like, there's a cheaper policy out there is a lot higher. Mhmm.","start_word":3445,"end_word":3469,"intents":[{"intent":"Confirm policy comparison","confidence_score":0.0013117205},{"intent":"Discuss policy options","confidence_score":0.09025154}]},{"text":"it's a few years older, the policy, likelihood that it's like, there's a cheaper policy out there is a lot higher. Mhmm.","start_word":3447,"end_word":3468,"intents":[{"intent":"Update policy details","confidence_score":0.038398094}]},{"text":"that's good or whether that's the I I really don't know. But, I mean, we don't we don't they will find the property for us, and they'll manage it manage it as well, I believe.","start_word":3777,"end_word":3811,"intents":[{"intent":"Negotiate a deal","confidence_score":0.00035550512}]},{"text":"Like, at at at you know, I think $1,414,000 dollars time in my books, I'm not sure I could invest that that amount of time. So I think it's pretty best to outsource that to somebody that it's their bread and butter, and they could do it better than me, definitely. Yeah.","start_word":4116,"end_word":4167,"intents":[{"intent":"Outsource","confidence_score":0.23106909}]},{"text":"We thought it was gonna be a percentage, but now he came in at a flat rate.","start_word":4311,"end_word":4327,"intents":[{"intent":"Obtain and negotiate better rate","confidence_score":5.767884e-7}]},{"text":"And then, have a discussion on what you actually wanna do with that insurance, whether you wanna wanna keep that policy.","start_word":4440,"end_word":4460,"intents":[{"intent":"Discuss insurance policy","confidence_score":0.4126063}]}]},"sentiments":{"segments":[{"text":"Hello. Stacy speaking. Good How afternoon, are you doing? Stacy. It's Kyle calling from IP Financial. How are you today?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.17637421190738678},{"text":"I'm good.","start_word":20,"end_word":21,"sentiment":"positive","sentiment_score":0.3642648160457611},{"text":"How are you? Yeah. Not too bad, bro.","start_word":22,"end_word":29,"sentiment":"neutral","sentiment_score":0.2368851900100708},{"text":"Thanks for asking.","start_word":30,"end_word":32,"sentiment":"positive","sentiment_score":0.5834599733352661},{"text":"I did schedule you in for a bit of a catch up today.","start_word":33,"end_word":45,"sentiment":"neutral","sentiment_score":0.2827810049057007},{"text":"Yes. That's perfect. Thank you.","start_word":46,"end_word":50,"sentiment":"positive","sentiment_score":0.6012770533561707},{"text":"Not a problem at all. Just to confirm your details there, Stacy, if I could just pass you security with that name, date of birth, and current address. Yeah. So it's Stacy Rose Daily, 03/31/1980, and 2 Slash 16 Howard Road.","start_word":51,"end_word":91,"sentiment":"neutral","sentiment_score":0.1218501478433609},{"text":"Perfect. Thank you, Donna.","start_word":92,"end_word":95,"sentiment":"positive","sentiment_score":0.4979868829250336},{"text":"I'll just let you know these calls are recorded for quality and training purposes there as well. Sure. Now I know we had a brief discussion the other week there, and then just given the deduction that was coming out of your super, I just wanted to have a look to see if we could find that policy. Now we did send that third party authority off to Clearview that was, like, taking the rollover from your fund, and it did come up that you do hold a life and Yes. TPD policy with Clearview. Yeah. I actually asked after I'd spoken to you, I I said to my husband, do we have an extra insurance policy? And apparently, we do. Apparently, I do have an extra, and I had no idea that I even had it. He said because he's insured for a million dollars if something happens to him. He said your we had to up yours because your super wasn't gonna cover enough or something. So I don't know whether whether there's a better option out there or whether just to leave it as it is. What are your thoughts with that? So upon reviewing that because the policy was taken out in 2022. Yeah. Now with that one there, the mental health exclusion is on the total parent disability, but there is no mention of your Crohn's. So when were you diagnosed with your Crohn's? It was a long, long time ago. Probably 2039. 2019. And did you like, I know it's it's a while ago now. Did you remember sort of disclosing that you had Crohn's on that insurance application? Or I don't believe I did with this latest one that we're talking about Clearview, I don't believe we did because I thought we had it it wasn't gonna be covered. But in the previous one, the with host plus, we thought that it was covered with that, which is why we left some of our money sitting in Hostplus Yeah. or some of my money in Hostplus. Is that correct? So within regards to host plus fund, because it is group insurance, because that one, like, the fund itself predates you actually having Crohn's. It just means that if you were to sort of have an event to where you couldn't potentially work due to your Crohn's, the income protection policy might cover that. And then same Yep. with the total parent disability, if you were never able to work due to your Crohn's because group insurance is underwritten at the time of claim. Yes. And if your insurance Okay. predates that condition, there's a good chance that that might pay out. Whereas taking out a policy after the fact you're diagnosed with something, technically, they pre assess it at the time of, like, the actual Yeah. application to exclude Sure. anything that may be already preexisting. And then just because you haven't mentioned the Crohn's with that Clearview policy, there is a chance that it might be a nondisclosure if you didn't actually Yep. disclose it to that insurer when taking out that policy, Yep. which could And affect that's that. fine. Look.","start_word":96,"end_word":625,"sentiment":"neutral","sentiment_score":-0.03050507180181877},{"text":"I doubt that anything it's managed quite well. So I doubt that anything I'm willing to take that risk. You you don't wanna sorta mention it to him or anything like that?","start_word":626,"end_word":657,"sentiment":"negative","sentiment_score":-0.4543566107749939},{"text":"You're happy just leaving Yeah. it Yeah. as To be honest, is the and my Crohn's only leaving flares up when I'm that not working policy because when I'm working, alone?","start_word":658,"end_word":688,"sentiment":"neutral","sentiment_score":-0.25059786438941956},{"text":"it takes my mind off it.","start_word":689,"end_word":694,"sentiment":"negative","sentiment_score":-0.4500894844532013},{"text":"Okay.","start_word":695,"end_word":695,"sentiment":"neutral","sentiment_score":-0.26299238204956055},{"text":"So it I just keep soldering on.","start_word":696,"end_word":702,"sentiment":"negative","sentiment_score":-0.4315575659275055},{"text":"Yeah. So, yeah, so don't worry about that.","start_word":703,"end_word":710,"sentiment":"neutral","sentiment_score":0.24850581586360931},{"text":"That's fine.","start_word":711,"end_word":712,"sentiment":"positive","sentiment_score":0.43753501772880554},{"text":"No. That's completely understand. It is up to you at the end of the day if you did want to disclose Yep. that to them. Yep. The options with that one as well, just because we're not the adviser on the policy, so you could have it to where we take over the policy or you could just leave it where it is, and then we just keep the third party authority and then just keep doing it as it is. And then just and then there's also of the option of changing the rollover from your current host plus to your other fund that we manage there as well at Hub twenty four, Yep. or you can keep your insurances in the one places, keep it under your own management. And then because with that with us taking out, I'm not too sure what adviser because, obviously, he's an adviser that's set up with Clearview, what their ongoings or anything are. With that, if we take over the policy, we take a 22% of the the premium as an ongoing fee for management. Or as I said, you can leave it alone as is where it is as a but it wouldn't they didn't disclose to us who the adviser was, what their ongoing commission was, or anything like that either. No. And I really can't remember who actually did that. How long have I been with you guys for? I believe Oh, it would initially have been so that that this was four years ago. So so four in years ago, this was taken 20 out. '24, I believe you came on board. So a few years with us, and then '20 Yeah. '22 is when you took out that insurance policy. Is it worthwhile having a look at what you can offer for the insurance if I was to just get you to do it all? So within regards to that, like, we can obviously take over the policy. There's still that potential nondisclosure there. If we were to look to market and do sort of like a similar policy and look at just rewriting it, there would likely be a loading or an exclusion for your krones in Which addition is fine to because that. I don't have because I don't have that anyway. So I don't so I I'd still like to keep what I've got with Host Plus, like, whatever minimum I need to keep in the Host Plus account to cover Yeah. in the event that something does happen with my cranes, that I've got an option to cover to have a little bit covered through that. But don't worry about the Clearview side of it. If there is another policy that you could manage, because obviously, we don't have an obligation to whoever took the policy out beforehand because we're not sort of dealing with anybody now. I'm just sort of dealing with you guys direct.","start_word":713,"end_word":1206,"sentiment":"neutral","sentiment_score":0.028692752613048805},{"text":"So Yes. if there is an opportunity for you to take it over or for you to do something that's similar cost or cheaper, then I'm happy with that.","start_word":1207,"end_word":1235,"sentiment":"positive","sentiment_score":0.5398532152175903},{"text":"Yeah. So there there is a option that we just take over the policy, and then there Yep. is the risk that, like, you might not be paying a commission to an adviser at the moment if they're somewhat removed or not, and then you would be with us, which may Yeah. change the the premiums, or we can look to rewrite entirely. And then I know you're not too worried about the the krones or anything like that. It would likely be a loading or exclusion, which means your policy would be more expensive if it's a loading. If an exclusion, it doesn't matter as much. Yep. Yep. Just excluded, whereas the loading is still covered for the condition, but it does just cost more at the end of the day. Yep.","start_word":1236,"end_word":1368,"sentiment":"neutral","sentiment_score":0.023018045350909233},{"text":"So we can look at doing that and looking at what the market would offer, and then we Yep.","start_word":1369,"end_word":1387,"sentiment":"positive","sentiment_score":0.39609333872795105},{"text":"can also just take over that policy and keep it with us and even change the the rollover to hub 24 so you don't have to worry about paying for it out of the host plus either. It's mainly just covering those insurances you do hold in there. Yep. Sure. No. I'm happy to do that. Like, it makes sense keeping it with with one person. Yep. And would the and then saying that, do you wanna see what the market's willing to offer in terms of that, or do you just want Yeah. us to take over? Well, if you're able to if you're able to have a look and see what the market's able to offer, I'm happy to have Crohn's excluded because as I said, I've already got a a little bit of it with Yep.","start_word":1388,"end_word":1526,"sentiment":"neutral","sentiment_score":0.20875641660724611},{"text":"already with host plus. So, you know, I'm happy to have it I'm happy to have it excluded.","start_word":1527,"end_word":1544,"sentiment":"positive","sentiment_score":0.5771263837814331},{"text":"Yeah. As long as it's Yeah. a policy predated your Crohn's, I would a 100% just be, like, keep your that current policy and then probably just Yeah. look at taking it over. But Yeah. given that phones likely predates this policy, it It looks definitely like it's just an would've yeah. yeah. It's just It would've a nondisclosure. definitely predated. Yeah. Yeah. Yep. And then Yeah. the the risk with that too is, like, even though you're insured for the million dollars and it doesn't normally apply to, like, life and that, if it did come about where you had some sort of complicate I know it's sort of it's well managed and everything. If something did occur from that, they could go look and didn't disclose this to us. So we wouldn't have given another policy, and that's sort of a way for them to back out of those policies as well when there is those non disclosures even though Yeah. it's a little bit, you know, of a cop out for them. It is a way they can wriggle out of contracts if there are nondisclosures on policies, which is a risk you have when sort of having that as well. Or sometimes they just go, it wasn't related to the Crohn's. We'll still pay it. That's just up to Yeah. the insurer at the end of the day what they're willing to do. Yeah. Sure. I mean, when we talk about loading, Yep. It then when we talk about, like, how much do we think we're talking about a loading that would be to have it in included? it's Crohn's is a hard one and sort of like those Yeah. IVS sort of deals because, like, it can be Yeah. anywhere from, like, very mild to, like, very severe. Like, Yeah. it is something that, like, complications can lead to, like, death if it's very, very severe, or it can be as simple as, like, you just have, you know, a little bit of gas and bloating. That like, that's the the spectrum. And as far as, like, what they're willing to offer in that, it's sort of up to the insurer. And then sometimes they'll request, like, sorta medical records on that. And then it can be a bit of a back and forward with that as well Yeah. Yeah. for you to sort of show that, like, yes.","start_word":1545,"end_word":1948,"sentiment":"neutral","sentiment_score":-0.09497254760474852},{"text":"I am fine. It's well managed.","start_word":1949,"end_word":1954,"sentiment":"positive","sentiment_score":0.5094665884971619},{"text":"I don't really have any ongoing flare ups, things like that Yeah. as No. well. Look. Leave it leave it out. Leave it out. Look. If I'm not here if something happens to me and I'm not here, it's not gonna concern me, is it? I know that sounds terrible, but I'm like, yeah. Don't worry about it. Just just keep just don't disclose it because then I'm gonna have to go to doctors and get records and all that kind of stuff.","start_word":1955,"end_word":2037,"sentiment":"neutral","sentiment_score":-0.0441574826836586},{"text":"And as I said, it's managed really well at the minute.","start_word":2038,"end_word":2048,"sentiment":"positive","sentiment_score":0.5356823205947876},{"text":"So and I actually haven't had any hospital admissions at all with it apart from day surgery, Okay. which is just just exploration, The checkups. just Yeah. the checkups. The Yeah. So I haven't I'm not yeah. like a lot of Crohn's I mean, I do take medication for it, but a lot Yep.","start_word":2049,"end_word":2102,"sentiment":"neutral","sentiment_score":-0.01646697410830745},{"text":"of Crohn's sufferers end up in hospital all the time. I'm not like that at all at Yeah.","start_word":2103,"end_word":2120,"sentiment":"negative","sentiment_score":-0.4899882078170776},{"text":"all. So yeah. Under understandable. Yeah. We could still do the pre assessment process where I book you and with one of my colleagues and they go through and you just go through the list of questions of what you know about your current conditions and everything like that. That's including, like, mental health, anything past, a bit of family history, and your bit more about your occupation. And then they can blindly Yep. send that off to the insurer, and they can just we can wait a few weeks and see what they come back with and if what the sort of requirements would be, and then you could make a bit of a decision if you wanna proceed with Well, maybe maybe we do that then because the others can still stay in the background anyway, really, can't it? Yeah. While this is Like, all we're going on, not that all yeah. still stays there. The only thing at the moment is that your money is obviously sitting in host plus that you wanted to roll over, but it's not a huge Yeah. deal with the way the markets are. Anything, if anything, moving money at the moment, it's a little bit more volatile. So, you True. know, a few weeks' True. time, True. the wall might be finished and things might steady out a little Unless bit. So you don't you have to invest worry about in unless you invest in fuel, because, apparently, that's the only thing that's that's making money at the minute. yeah. Crude oil and everything could be a bit of a jump. Funnily enough, like, no one's actually you know, if you wanna invest in it now, you kinda missed the boat. You're jumping in Give at me the high. the bike. So Yeah. yeah.","start_word":2121,"end_word":2423,"sentiment":"neutral","sentiment_score":-0.06344016641378403},{"text":"But in saying that, the markets are you know, with the ceasefire and everything that was announced today, they have shown a few positive days in the past week there. So, hopefully, things are coming to a bit of a conclusion and things are sitting out a little bit as well, and everything's getting back to normal a bit.","start_word":2424,"end_word":2482,"sentiment":"positive","sentiment_score":0.4031887650489807},{"text":"Yeah. Yeah. Well, let's hope so because I work in the travel industry and it's wreaking havoc with my clients. I So I can I need imagine. them to I need them to do this ceasefire for longer than two weeks so I can get some people off this you know, to Europe in the busiest Yeah. time, which is coming up. So I have a few yeah. family, friends, and everything that even just getting to the The UK, they're having to go Yeah. through, like, Singapore, and the the Oh, flights have yeah. gone up tenfold because there's only, like, a few flights that go out of there, and it's just mayhem. Oh, yeah. Yeah.","start_word":2483,"end_word":2599,"sentiment":"neutral","sentiment_score":-0.14126841723918915},{"text":"It's it's a nightmare.","start_word":2600,"end_word":2603,"sentiment":"negative","sentiment_score":-0.4784862995147705},{"text":"I had a 100 and something like a 162 clients that are traveling between when it all sorta happened and the May 15. And, like, Okay.","start_word":2604,"end_word":2629,"sentiment":"neutral","sentiment_score":-0.309139609336853},{"text":"it's just a nightmare. When you take the Middle Eastern carriers out of the equation, there's not a lot left.","start_word":2630,"end_word":2649,"sentiment":"negative","sentiment_score":-0.3916781842708587},{"text":"Yeah. So it's Without Doha and Dubai, there's not many yeah. stopovers in that sort of It region. is. Yep. Yeah. So it's giving me a bit of COVID PTSD, to be honest. So so I need it What? to be over. Yeah. I'm sure it's keeping you busy. It In sure saying is. that the is there a time that sort of works for you in terms of, like, doing this pre assessment with one of my colleagues in getting that done to be able to send off? Yeah. Look. I can anytime sort of in the aft actually, next next Wednesday, I'm working from oh, sorry. Next Tuesday, I'm working from home.","start_word":2650,"end_word":2763,"sentiment":"neutral","sentiment_score":-0.07346715033054352},{"text":"So if you've got something in the afternoon next Tuesday, which is the fourteenth, I'm pretty much free all day.","start_word":2764,"end_word":2783,"sentiment":"positive","sentiment_score":0.3794657588005066},{"text":"Yep. I'll just have a look and see who is available. Bear with me. Yeah. So I do have the person that would be doing it working at a bit of a late day. So anything you know? I think daylight savings finished now. So we're on the same time clock, but I can do something around 05:00 there Yeah. or 4PM I can if even that works do for you. earlier. I can even do earlier. Like, you can do, you know, 03:00 if you want to because I'll be just sitting at home working. Okay. Yeah. I'll check-in for for three. And if you are a little bit busy with Yeah. the the mayhem, you can just say give me a callback a bit later. Yeah. No. That's fine.","start_word":2784,"end_word":2914,"sentiment":"neutral","sentiment_score":0.1312638372182846},{"text":"Perfect. I'll check that in now.","start_word":2915,"end_word":2920,"sentiment":"positive","sentiment_score":0.45994099974632263},{"text":"And as I said, they'll just go a little bit more into, like, your occupational duties, which isn't, like, a huge thing because you they're not exactly in a risky occupation. Yeah. A little bit about your own history, family history, and then, like, as long as you it even says on your Clearview policy that your if five years no symptoms, it was reviewable just due to the postnatal depression. So there's a chance Yeah. that if you do disclose everything regards to Yep. it just being postnatal depression, there's no sort of ongoing stress, depression symptoms, things like that, that it might not be an exclusion because it was related to the pregnancy time. Yep. Yep. So there's a chance that on your policy that might not apply. I'm not saying a 100% because mental health exclusion say you can say you're stressed at work on the day, and then they'll throw it on there just because it is one of the more claimed on things, Yeah. Yeah. Of course. which is yeah. So as long as, you know, there's no ongoing symptoms, obviously, you know, work is stressful in general. But if it's Yeah.","start_word":2921,"end_word":3117,"sentiment":"neutral","sentiment_score":-0.09528343107192044},{"text":"not related to, you know, you taking time off seeking help and things like that, you know, as soon as you mention it in a way that I'm stressed at work, it will be an exclusion, which is unfortunate.","start_word":3118,"end_word":3156,"sentiment":"negative","sentiment_score":-0.4053489565849304},{"text":"Yeah. Yeah. But Yeah. yeah. So as long as you disclose everything with that in regards to your your Crohn's, they'll be able to send that off, see how insurance will rate you and what they might come back with and what, like, requirements they would have, and then you can make a decision whether or not you wanna revisit cover and doing a top up that way. Yep. Sure.","start_word":3157,"end_word":3226,"sentiment":"neutral","sentiment_score":-0.029675336554646492},{"text":"No problems. Perfect.","start_word":3227,"end_word":3229,"sentiment":"positive","sentiment_score":0.4334318339824677},{"text":"And then once we sort of do that, then we can revisit again. Because if they come back and they say they'll cover, let's say they cover Crohn's and they cover mental health, let's say, because it's been longer than five years, then I might not even bother needing a host plus altogether. Yep. Yeah. The likelihood that they'll cover, like, they like I said, they could cover and, like, have the loading, but then you're paying more. But, yeah, that's probably on the the rare side. It's likely it's gonna be some form of exclusion relating to the krones. Yep. And then you probably still wanna keep it. But I say, like, once we get the results back, you'll even be able to know, like because ClearViews will be one of the people we look at it with, Yep. how they'll rate it. And even if it just comes down to you just wanting to disclose to ClearView that you didn't disclose it in the the past and seeing how they'll accept it now that you're disclosing it, now that you're aware of it, and seeing Yep. what that might be in terms of, like, costs and exclusions and things like that, and then just maintaining that policy or going back to market. Even that Yep.","start_word":3230,"end_word":3446,"sentiment":"neutral","sentiment_score":-0.0217993045011149},{"text":"it's a few years older, the policy, likelihood that it's like, there's a cheaper policy out there is a lot higher.","start_word":3447,"end_word":3467,"sentiment":"negative","sentiment_score":-0.4375858008861542},{"text":"Mhmm. And if it comes back with the the mental health and then the exclusion, it's no different to a policy that you have now currently because the likelihood it would have been exclusion on that policy anyway is pretty, Yep. pretty high. Yep. Yep. No. Understood. Understood. Not a problem. Well, I've got you booked in, yeah, next week for that that pre assessment there, Sure. and then I'll be able to run through that. I would say it'll probably take a few weeks. The insurers are quite slow. And then following That's alright.","start_word":3468,"end_word":3562,"sentiment":"neutral","sentiment_score":-0.0389493964612484},{"text":"that, we can let you know the the results of that and then have a full discussion around everything you wanna achieve and your goals and everything and put it all in an advice piece for you.","start_word":3563,"end_word":3599,"sentiment":"positive","sentiment_score":0.35412701964378357},{"text":"Yep. No worries. And by then, we would I think last time I spoke to you about purchasing an investment property, I think, we talked about. Yeah. I didn't mention it. Is that something you're sort of leaning towards more? I Yeah. I Yeah. noticed in We've the next twelve months in the Sunshine Coast, but I wasn't yeah. sure if you No. We definitely are. Like, we're sort of in we've spoken to, like, a buyer's advocate kind of person, Yep. and we're in the final stages of having the loan approved for that. So that will sort of all happen in the next four weeks anyway. So probably by the time I speak to you, there'll be more of an update when it comes to that as well. Okay. And just accurate, you're not, like, paying a huge buyer's premium for them finding the No. property or anything like that? Yeah. Well, Okay. I think it's look. It's about I think it works out to be about 14,000 overall. I don't know whether Okay. that's good or whether that's the I I really don't know. But, I mean, we don't we don't they will find the property for us, and they'll manage it manage it as well, I believe. Yep. Yeah. I I really don't know because we don't know where to even start looking, to be honest. You know, we Yeah. don't know what what places are up and coming, and I don't have the time, to be honest, to even think about that. So Yeah. unless you've got an idea that you think maybe we should be speaking to somebody else, yeah, I just sort It of I just comes I down to a bit, like, of a a convenience thing. Like you said, if you're not willing to, like, put in the work to to look for it. Obviously, a Yep. mortgage broker does the loan side of things, but in terms of, like, picking a property, they'll give you some, like, insights and things like that. Their buyer's agent will obviously, you know, put the effort into finding an actual property and, like I said, if they're willing Yeah. to manage it or not. What Yeah. that looks like, sometimes they do it like a percentage of, like, the purchase price, which can, you know, make it quite exorbitant. Then Expensing. sometimes, you know, you end up, like, with a 50 k bill at the end of it just for Yeah. them doing that and finding a property. But if you're more than sort of happy with that price, obviously, there's a bit of a sum. But at the time end of time, if it's a convenience that you're willing to to pay for, that's up to you at the at the end of the day. Yeah. Yeah. And then I mean, 14,000, and it's 14,000 to be added to the price of the sale pretty much, which is what what we will do. I think that's quite reasonable for the amount of work they're gonna have to do. Like, at at at you know, I think $1,414,000 dollars time in my books, I'm not sure I could invest that that amount of time. So I think it's pretty best to outsource that to somebody that it's their bread and butter, and they could do it better than me, definitely. Yeah. And And liaising if that takes with contracts the and all that kind of stuff, I'm just like, no. yeah. Yeah. If it if they do all that and everything, you don't have to worry about a a lawyer or anything like that with that Yeah. service and the buying of the property. If that's all included, it does sort of reduce that cost at the end of the day as well Yeah. if Yeah. they're reading Exactly. through all the contracts and everything. So, yeah, Yeah. if you're happy with that that price, obviously, it just depends on what service you get. I couldn't sort of say on or not whether or not, like, what the you're actually getting out of it, but it it sounds like not not too bad compared to some of the ones out there. Yeah. Yeah. Yeah. No. We thought it was gonna be a percentage, but now he came in at a flat rate.","start_word":3600,"end_word":4327,"sentiment":"neutral","sentiment_score":0.042372615689381055},{"text":"So which is great which is great, and he's pretty good. The guy that we've sort of been chatting to is is pretty good at it.","start_word":4328,"end_word":4353,"sentiment":"positive","sentiment_score":0.5030546188354492},{"text":"Although he's already sent me a bill, and I said to him, we're not paying the bill until we've got the loan approved. Like, just settle down for a minute. So Yep. but yeah. No. He's he's pretty good. Okay.","start_word":4354,"end_word":4393,"sentiment":"neutral","sentiment_score":0.02240290306508541},{"text":"Well, that that's good to hear that, Stacy.","start_word":4394,"end_word":4401,"sentiment":"positive","sentiment_score":0.44086527824401855},{"text":"Yeah. Yeah. Well, I've got you you booked in for that, and then we'll be able to run through all those updates and everything when you get back in touch with us when we get those Yep. results. And then, have a discussion on what you actually wanna do with that insurance, whether you wanna wanna keep that policy. Obviously, the the host plus is probably likely to to stay given Yes. everything, Yep. but, yeah, Yep. that the external policy can definitely be reviewed. Yep.","start_word":4402,"end_word":4487,"sentiment":"neutral","sentiment_score":0.15436804940014384},{"text":"Sounds great. Awesome. No problem. Is there anything else you wanna have a chat about while you've got me there?","start_word":4488,"end_word":4507,"sentiment":"positive","sentiment_score":0.450652688741684},{"text":"No. That's all.","start_word":4508,"end_word":4510,"sentiment":"neutral","sentiment_score":0.15472450852394104},{"text":"That's all I need. That's really good. Thank you so much. Not a problem at all. Well, you enjoy the rest of your afternoon. Good luck with everything in the You meantime.","start_word":4511,"end_word":4542,"sentiment":"positive","sentiment_score":0.5851209759712219},{"text":"too. Hopefully, Thank this you. will end soon for you. Oh, so no. Exactly. I hope so.","start_word":4543,"end_word":4559,"sentiment":"neutral","sentiment_score":0.107142835855484},{"text":"Thanks. Have Thank you. See a good see one, you Susan.","start_word":4560,"end_word":4570,"sentiment":"positive","sentiment_score":0.4000830352306366},{"text":"later. Bye now. Bye. Bye.","start_word":4571,"end_word":4575,"sentiment":"neutral","sentiment_score":0.11578889936208724}],"average":{"sentiment":"neutral","sentiment_score":0.012715404595481887}}}}