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  <!-- Core pages -->
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    <loc>https://yourchoicelife.com.au/</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://yourchoicelife.com.au/getquote</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://yourchoicelife.com.au/life-insurance-providers</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://yourchoicelife.com.au/cover-types</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://yourchoicelife.com.au/docs</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Insurer review pages -->
  <url>
    <loc>https://yourchoicelife.com.au/life-insurance/aia</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://yourchoicelife.com.au/life-insurance/tal</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://yourchoicelife.com.au/life-insurance/zurich</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://yourchoicelife.com.au/life-insurance/nobleoak</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://yourchoicelife.com.au/life-insurance/metlife</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://yourchoicelife.com.au/life-insurance/acenda</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://yourchoicelife.com.au/life-insurance/allianz</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://yourchoicelife.com.au/life-insurance/aami</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://yourchoicelife.com.au/life-insurance/budget-direct</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://yourchoicelife.com.au/life-insurance/real-insurance</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://yourchoicelife.com.au/life-insurance/suncorp</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Compliance & legal pages -->
  <url>
    <loc>https://yourchoicelife.com.au/fsg</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://yourchoicelife.com.au/privacy</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://yourchoicelife.com.au/pds</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://yourchoicelife.com.au/tmd</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://yourchoicelife.com.au/terms</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://yourchoicelife.com.au/complaints</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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