<?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://heneiinsurance.com/</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>daily</changefreq>
        <priority>1.0</priority>
    </url>

    <!-- About Page -->
    <url>
        <loc>https://heneiinsurance.com/about</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Services Overview Page -->
    <url>
        <loc>https://heneiinsurance.com/services</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Contact Page -->
    <url>
        <loc>https://heneiinsurance.com/contact</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- FAQ Page -->
    <url>
        <loc>https://heneiinsurance.com/faq</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <!-- Blog Page -->
    <url>
        <loc>https://heneiinsurance.com/blog</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- === SERVICE PAGES === -->
    
    <!-- Private Insurance Service Page -->
    <url>
        <loc>https://heneiinsurance.com/private-insurance</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Commercial Insurance Service Page -->
    <url>
        <loc>https://heneiinsurance.com/commercial-insurance</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Specialized Insurance Service Page -->
    <url>
        <loc>https://heneiinsurance.com/specialized-insurance</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Corporate Schemes Service Page -->
    <url>
        <loc>https://heneiinsurance.com/corporate-schemes</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Risk Advisory Service Page -->
    <url>
        <loc>https://heneiinsurance.com/risk-advisory</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- File Claim Page -->
    <url>
        <loc>https://heneiinsurance.com/claim</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- === QUOTE FLOW PAGES === -->

    <!-- Get Quote Page (Details) -->
    <url>
        <loc>https://heneiinsurance.com/details</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Benefits/Compare Page -->
    <url>
        <loc>https://heneiinsurance.com/benefits</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Compare Quotes Page -->
    <url>
        <loc>https://heneiinsurance.com/compare</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Coverage Selection Page -->
    <url>
        <loc>https://heneiinsurance.com/covers</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Success/Confirmation Page -->
    <url>
        <loc>https://heneiinsurance.com/success</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>

    <!-- === USER ACCOUNT PAGES === -->

    <!-- Login Page -->
    <url>
        <loc>https://heneiinsurance.com/login</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>

    <!-- Password Recovery Page -->
    <url>
        <loc>https://heneiinsurance.com/forgot</loc>
        <lastmod>2025-12-05</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

</urlset>