<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Home Page -->
  <url>
    <loc>https://policyspark.io/</loc>
    <lastmod>2025-01-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Coverage Gap Analyzer -->
  <url>
    <loc>https://policyspark.io/apps/gap-analyzer</loc>
    <lastmod>2025-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Life Insurance Calculator -->
  <url>
    <loc>https://policyspark.io/apps/life-calculator</loc>
    <lastmod>2025-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Retirement Readiness Quiz -->
  <url>
    <loc>https://policyspark.io/apps/retirement-quiz</loc>
    <lastmod>2025-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Health Insurance Selector -->
  <url>
    <loc>https://policyspark.io/apps/health-selector</loc>
    <lastmod>2025-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Home Value & Insurance Estimator -->
  <url>
    <loc>https://policyspark.io/apps/home-estimator</loc>
    <lastmod>2025-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Risk Tolerance Assessment -->
  <url>
    <loc>https://policyspark.io/apps/risk-assessment</loc>
    <lastmod>2025-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
</urlset>
