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  <!-- Main Pages -->
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    <loc>https://heritagels.org/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://heritagels.org/quote</loc>
    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://heritagels.org/products</loc>
    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://heritagels.org/contact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- About Pages -->
  <url>
    <loc>https://heritagels.org/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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  <url>
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  <!-- Life Insurance Products -->
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    <loc>https://heritagels.org/life-insurance/term</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://heritagels.org/life-insurance/whole</loc>
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  <url>
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  <url>
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  <url>
    <loc>https://heritagels.org/life-insurance/mortgage-protection</loc>
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  <!-- Term Life Sub-pages -->
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    <loc>https://heritagels.org/life-insurance/term/lengths</loc>
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  <url>
    <loc>https://heritagels.org/life-insurance/term/no-exam</loc>
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    <priority>0.6</priority>
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  <url>
    <loc>https://heritagels.org/life-insurance/term/conversion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://heritagels.org/life-insurance/term/return-of-premium</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://heritagels.org/life-insurance/term/coverage-calculator</loc>
    <changefreq>monthly</changefreq>
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  <!-- Whole Life Sub-pages -->
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    <loc>https://heritagels.org/life-insurance/whole/cash-value</loc>
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  <url>
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  <url>
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  <!-- IUL Sub-pages -->
  <url>
    <loc>https://heritagels.org/life-insurance/iul/index-options</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://heritagels.org/life-insurance/iul/caps-and-floors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://heritagels.org/life-insurance/iul/index-crediting</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://heritagels.org/life-insurance/iul/max-funding</loc>
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  <url>
    <loc>https://heritagels.org/life-insurance/iul/retirement-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- Final Expense Sub-pages -->
  <url>
    <loc>https://heritagels.org/life-insurance/final-expense/seniors</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://heritagels.org/life-insurance/final-expense/simplified-issue</loc>
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  <url>
    <loc>https://heritagels.org/life-insurance/final-expense/guaranteed-issue</loc>
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  <url>
    <loc>https://heritagels.org/life-insurance/final-expense/graded-benefits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://heritagels.org/life-insurance/final-expense/pre-planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

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

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

  <!-- Resources -->
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    <loc>https://heritagels.org/resources/life-insurance-101</loc>
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  <url>
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  <url>
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  <url>
    <loc>https://heritagels.org/resources/blog</loc>
    <changefreq>weekly</changefreq>
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  <!-- Blog Articles -->
  <!-- One entry per article. Until 2026-10-01 this file carried the blog
       INDEX and not a single article, so twenty articles were reachable only
       by crawl from the index — and each of them also told Google it was a
       duplicate of the homepage, because BlogPost.tsx set no canonical.
       `5-mistakes-buying-life-insurance` is deliberately absent: it was merged into
       how-to-lower-life-insurance-premiums and 301s there. -->
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    <loc>https://heritagels.org/resources/blog/how-much-life-insurance-do-you-need</loc>
    <changefreq>monthly</changefreq>
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  </url>
  <url>
    <loc>https://heritagels.org/resources/blog/term-vs-whole-life-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://heritagels.org/resources/blog/no-exam-life-insurance-pros-cons</loc>
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    <loc>https://heritagels.org/resources/blog/when-to-convert-term-to-permanent</loc>
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  <url>
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  <url>
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  <url>
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  <url>
    <loc>https://heritagels.org/resources/blog/life-insurance-vs-401k</loc>
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  <url>
    <loc>https://heritagels.org/resources/blog/maximize-social-security-life-insurance</loc>
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  <url>
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  <!-- Legal Pages -->
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    <changefreq>yearly</changefreq>
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  <!-- Agent Public Pages -->
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  <url>
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  <!-- Carriers -->
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