<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Main Pages -->
  <url>
    <loc>https://www.heritagels.org/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/quote</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/products</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/contact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- About Pages -->
  <url>
    <loc>https://www.heritagels.org/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/about/founders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/careers</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Life Insurance Products -->
  <url>
    <loc>https://www.heritagels.org/life-insurance/term</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/whole</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/iul</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/final-expense</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/mortgage-protection</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Term Life Sub-pages -->
  <url>
    <loc>https://www.heritagels.org/life-insurance/term/lengths</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/term/no-exam</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/term/conversion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/term/return-of-premium</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/term/coverage-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Whole Life Sub-pages -->
  <url>
    <loc>https://www.heritagels.org/life-insurance/whole/cash-value</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/whole/dividends</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/whole/paid-up-additions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/whole/policy-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/whole/estate-planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- IUL Sub-pages -->
  <url>
    <loc>https://www.heritagels.org/life-insurance/iul/index-options</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/iul/caps-and-floors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/iul/index-crediting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/iul/max-funding</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/iul/retirement-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Final Expense Sub-pages -->
  <url>
    <loc>https://www.heritagels.org/life-insurance/final-expense/seniors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/final-expense/simplified-issue</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/final-expense/guaranteed-issue</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/final-expense/graded-benefits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/final-expense/pre-planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Mortgage Protection Sub-pages -->
  <url>
    <loc>https://www.heritagels.org/life-insurance/mortgage-protection/new-homeowners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/mortgage-protection/decreasing-vs-level</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/mortgage-protection/living-benefits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/mortgage-protection/joint-coverage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/life-insurance/mortgage-protection/return-of-premium</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Annuities -->
  <url>
    <loc>https://www.heritagels.org/annuities/fixed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/annuities/indexed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/annuities/retirement-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Resources -->
  <url>
    <loc>https://www.heritagels.org/resources/life-insurance-101</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/resources/faqs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/resources/calculators</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/resources/blog</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://www.heritagels.org/legal/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/legal/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/legal/licenses</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/legal/accessibility</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/legal/do-not-sell</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/legal/data-security</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Agent Public Pages -->
  <url>
    <loc>https://www.heritagels.org/agents/login</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.heritagels.org/agents/become-an-agent</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
</urlset>
