Guides
Guides
These guides teach the method — how to compare plans, how to read a PDS, how waiting periods work, and which exclusions surprise people. They are not quote worksheets with invented dollars.
By Callum SherwoodReviewed by Editorial deskPublished 12 March 2026Updated 27 September 2026
01ComparingHow to compare insurance plansA like-for-like ledger: event, wording, waits, exclusions — then any premium you were quoted.02DocumentsWhat is a PDS?How to read a Product Disclosure Statement without drowning in the appendix.03Waiting periodsWaiting periods explainedWhere waits show up on income, health-adjacent, and other plan types — and why they exist.04ExclusionsCommon exclusions that surprise peopleHow to find the “we will not pay” list and test it against the event you actually worry about.
The four method essays
Compare, PDS, waits, exclusions. Together they are the worksheet behind every heritage plan page. Price-formation long-tails are a different job; we leave them off this domain on purpose.
Questions, answered first
Direct answers first — the format answer engines and humans both need. These are general explanations, not advice.
- Which guide should I read first?
- How to compare plans — then the PDS guide — then the heritage ledger for your cover type.
- Do these guides include premiums?
- No. We do not invent them.