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  <!-- Core pages -->
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    <loc>https://asurgo.com/</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
    <loc>https://asurgo.com/about</loc>
    <lastmod>2026-04-03</lastmod>
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  <url>
    <loc>https://asurgo.com/contact</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
    <loc>https://asurgo.com/faq</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
    <loc>https://asurgo.com/how-it-works</loc>
    <lastmod>2026-04-02</lastmod>
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  <url>
    <loc>https://asurgo.com/our-carriers</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
    <loc>https://asurgo.com/reviews</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
    <loc>https://asurgo.com/tools</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
    <loc>https://asurgo.com/learn</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
    <loc>https://asurgo.com/seniors</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
    <loc>https://asurgo.com/risk-factors</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
    <loc>https://asurgo.com/quote</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <!-- Team pages -->
  <url>
    <loc>https://asurgo.com/team/nicholas-norminton</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://asurgo.com/team/josh-dose</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
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    <lastmod>2026-04-07</lastmod>
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  <!-- Calculators -->
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    <loc>https://asurgo.com/calculators/burial</loc>
    <lastmod>2026-04-07</lastmod>
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    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Life Insurance hub + product pages -->
  <url>
    <loc>https://asurgo.com/life-insurance</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance/final-expense</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance/mortgage-protection</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/iul</loc>
    <lastmod>2026-04-07</lastmod>
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  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/annuities</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/term-life</loc>
    <lastmod>2026-04-03</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/whole-life</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <!-- Final Expense sub-pages -->
  <url>
    <loc>https://asurgo.com/life-insurance/final-expense/no-medical-exam</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance/final-expense/seniors</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance/final-expense/guaranteed-acceptance</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance/final-expense/pros-and-cons</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance/final-expense/how-payout-works</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/final-expense/vs-whole-life</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Mortgage Protection sub-pages -->
  <url>
    <loc>https://asurgo.com/life-insurance/mortgage-protection/seniors</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/mortgage-protection/no-medical-exam</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/mortgage-protection/whole-life-equity-protection</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/mortgage-protection/cost</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/mortgage-protection/vs-pmi</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/mortgage-protection/vs-term-life</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/mortgage-protection/what-happens-to-mortgage-after-death</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- IUL sub-pages -->
  <url>
    <loc>https://asurgo.com/life-insurance/iul/pros-and-cons</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/iul/iul-vs-whole-life</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance/iul/retirement</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/iul/cap-rates-fees</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance/iul/iul-vs-401k-roth-ira</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Life Insurance Cost hub + sub-pages -->
  <url>
    <loc>https://asurgo.com/life-insurance-cost</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://asurgo.com/life-insurance-cost/final-expense</loc>
    <lastmod>2026-04-07</lastmod>
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    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance-cost/guaranteed-acceptance</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance-cost/term-life</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance-cost/whole-life</loc>
    <lastmod>2026-04-07</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance-cost/mortgage-protection</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance-cost/iul</loc>
    <lastmod>2026-04-07</lastmod>
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    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance-cost/in-your-20s</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance-cost/in-your-30s</loc>
    <lastmod>2026-04-07</lastmod>
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    <priority>0.6</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance-cost/in-your-40s</loc>
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  <url>
    <loc>https://asurgo.com/life-insurance-cost/in-your-50s</loc>
    <lastmod>2026-04-07</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance-cost/in-your-60s</loc>
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    <priority>0.7</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance-cost/in-your-70s</loc>
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  <url>
    <loc>https://asurgo.com/life-insurance-cost/over-80</loc>
    <lastmod>2026-04-07</lastmod>
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    <priority>0.6</priority>
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  <!-- Blog -->
  <url>
    <loc>https://asurgo.com/blog</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://asurgo.com/blog/what-is-final-expense-insurance</loc>
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    <priority>0.7</priority>
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  <url>
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    <priority>0.7</priority>
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    <priority>0.7</priority>
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  <url>
    <loc>https://asurgo.com/blog/final-expense-vs-burial-insurance</loc>
    <lastmod>2026-04-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Coverage by State -->
  <url>
    <loc>https://asurgo.com/coverage-by-state</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://asurgo.com/coverage-by-state/texas</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://asurgo.com/coverage-by-state/florida</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://asurgo.com/coverage-by-state/california</loc>
    <lastmod>2026-04-07</lastmod>
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    <priority>0.6</priority>
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  <url>
    <loc>https://asurgo.com/coverage-by-state/georgia</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://asurgo.com/coverage-by-state/north-carolina</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://asurgo.com/coverage-by-state/ohio</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://asurgo.com/coverage-by-state/pennsylvania</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://asurgo.com/coverage-by-state/tennessee</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://asurgo.com/coverage-by-state/virginia</loc>
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    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://asurgo.com/coverage-by-state/michigan</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Insurance Reviews -->
  <url>
    <loc>https://asurgo.com/insurance-reviews</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Funeral Resources -->
  <url>
    <loc>https://asurgo.com/funeral-resources</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Life Insurance For (audience pages) -->
  <url>
    <loc>https://asurgo.com/life-insurance-for</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance-for/seniors</loc>
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    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance-for/diabetics</loc>
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    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance-for/smokers</loc>
    <lastmod>2026-04-07</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://asurgo.com/life-insurance-for/veterans</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance-for/single-parents</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance-for/over-50</loc>
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  <url>
    <loc>https://asurgo.com/life-insurance-for/homeowners</loc>
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    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://asurgo.com/life-insurance-for/pre-existing-conditions</loc>
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    <priority>0.7</priority>
  </url>
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