<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- Homepage -->
  <url>
    <loc>https://insuredcan.ca/</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Core Insurance Pillar Pages -->
  <url>
    <loc>https://insuredcan.ca/life-insurance</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/term-life-insurance</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/whole-life-insurance</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/critical-illness-insurance</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/disability-insurance</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/health-insurance</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/travel-insurance</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/mortgage-insurance</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/funeral-insurance</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/retirement-planning</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Comparison Pages -->
  <url>
    <loc>https://insuredcan.ca/compare/term-vs-whole-life</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/compare/critical-illness-vs-disability</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/compare/private-vs-ohip</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Segment Pages -->
  <url>
    <loc>https://insuredcan.ca/newcomers</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/families</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/self-employed</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/young-professionals</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Location Pages -->
  <url>
    <loc>https://insuredcan.ca/life-insurance-toronto</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/life-insurance-london-ontario</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/insurance-broker-canada</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Company Pages -->
  <url>
    <loc>https://insuredcan.ca/about</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/contact</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog Index -->
  <url>
    <loc>https://insuredcan.ca/blog</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Existing Blog Posts -->
  <url>
    <loc>https://insuredcan.ca/blog/how-much-life-insurance-canada</loc>
    <lastmod>2026-03-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/best-life-insurance-families-canada</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/ohip-waiting-period-newcomers</loc>
    <lastmod>2026-03-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/critical-illness-insurance-coverage-canada</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/term-vs-whole-life-2026</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/average-funeral-costs-canada</loc>
    <lastmod>2026-03-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/what-ohip-doesnt-cover</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/life-insurance-family-toronto</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/disability-insurance-self-employed</loc>
    <lastmod>2026-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- New Blog Posts (April 2026) -->
  <url>
    <loc>https://insuredcan.ca/blog/super-visa-insurance-canada</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/mortgage-life-insurance-vs-term-canada</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/universal-life-insurance-canada</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/life-insurance-smokers-canada</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://insuredcan.ca/blog/rrsp-tfsa-vs-life-insurance-canada</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

</urlset>
