<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <url>
    <loc>https://liamcdonaldagency.com/</loc>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Conversion paths (high priority) -->
  <url>
    <loc>https://liamcdonaldagency.com/talk.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/calculator.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Product pages -->
  <url>
    <loc>https://liamcdonaldagency.com/mortgage-protection.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/term-life.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/final-expense.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/living-benefits.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/disability-critical-illness.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/wealth-strategies.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/policy-review.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- About / trust pages -->
  <url>
    <loc>https://liamcdonaldagency.com/about.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/how-i-work.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/verify.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/faq.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Recruiting -->
  <url>
    <loc>https://liamcdonaldagency.com/careers.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://liamcdonaldagency.com/privacy.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/terms.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/tcpa.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://liamcdonaldagency.com/accessibility.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
