<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core Pages -->
  <url>
    <loc>https://www.policyplaceusa.com/</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/about.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/contact.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/privacy-policy.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Life Insurance -->
  <url>
    <loc>https://www.policyplaceusa.com/life-insurance.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/term-life.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/whole-life.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/universal-life.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/indexed-universal-life.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/final-expense.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Supplemental Health -->
  <url>
    <loc>https://www.policyplaceusa.com/supplemental-health.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/critical-illness.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/accident-insurance.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/hospital-indemnity.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/disability-income.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Travel Insurance -->
  <url>
    <loc>https://www.policyplaceusa.com/travel-insurance.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/parents-visiting-usa.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.policyplaceusa.com/visitor-insurance-faqs.php</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>