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  <!-- Home -->
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    <loc>https://punjabinsurance.com/</loc>
    <lastmod>2026-03-07</lastmod>
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    <priority>1.0</priority>
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  <!-- Core Pages -->
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    <loc>https://punjabinsurance.com/about</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://punjabinsurance.com/contact</loc>
    <lastmod>2026-03-07</lastmod>
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    <loc>https://punjabinsurance.com/resources</loc>
    <lastmod>2026-03-07</lastmod>
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    <loc>https://punjabinsurance.com/resources/faqs</loc>
    <lastmod>2026-03-07</lastmod>
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    <priority>0.7</priority>
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  <!-- Life Insurance -->
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    <loc>https://punjabinsurance.com/life-insurance-ca</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://punjabinsurance.com/life-insurance-ca/term-life</loc>
    <lastmod>2026-03-07</lastmod>
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    <priority>0.8</priority>
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  <url>
    <loc>https://punjabinsurance.com/life-insurance-ca/whole-life</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://punjabinsurance.com/life-insurance-ca/universal-life</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://punjabinsurance.com/life-insurance-ca/indexed-universal-life</loc>
    <lastmod>2026-03-07</lastmod>
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  <url>
    <loc>https://punjabinsurance.com/life-insurance-ca/final-expense</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <!-- Supplemental Health -->
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    <loc>https://punjabinsurance.com/supplemental-health-ca</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://punjabinsurance.com/supplemental-health-ca/critical-illness</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://punjabinsurance.com/supplemental-health-ca/accident</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://punjabinsurance.com/supplemental-health-ca/hospital-indemnity</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://punjabinsurance.com/supplemental-health-ca/disability-income</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <!-- Travel Insurance -->
  <url>
    <loc>https://punjabinsurance.com/travel-insurance-ca</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://punjabinsurance.com/travel-insurance-ca/parents-visiting-usa</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://punjabinsurance.com/travel-insurance-ca/visitor-faqs</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
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  <!-- Legal -->
  <url>
    <loc>https://punjabinsurance.com/disclosures</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://punjabinsurance.com/privacy</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://punjabinsurance.com/terms</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://punjabinsurance.com/cookies</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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