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  <!-- ===== Homepage ===== -->
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    <loc>https://www.coverlifeinsurance.co.uk/</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ===== Overview ===== -->
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/coverlife</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ===== Product pages ===== -->
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/personal-life-cover</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/critical-illness</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/income-protection</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/executive-income-protection</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/private-medical</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/relevant-life-cover</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/keyman-insurance</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/shareholder-insurance</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ===== Quote journeys ===== -->
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/quote/life</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/quote/income-protection</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ===== Blog =====
       Individual articles are listed in the dynamic sitemap referenced in robots.txt -->
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/blog</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ===== Utility pages ===== -->
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/contact</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/privacy</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.coverlifeinsurance.co.uk/terms</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

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