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  <!-- Core pages -->
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    <loc>https://www.policy-nest.com/</loc>
    <lastmod>2026-04-07</lastmod>
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    <loc>https://www.policy-nest.com/features</loc>
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    <loc>https://www.policy-nest.com/pricing</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
    <loc>https://www.policy-nest.com/about</loc>
    <lastmod>2026-04-07</lastmod>
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  <url>
    <loc>https://www.policy-nest.com/advisory-board</loc>
    <lastmod>2026-04-07</lastmod>
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    <priority>0.6</priority>
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  <url>
    <loc>https://www.policy-nest.com/contact</loc>
    <lastmod>2026-04-07</lastmod>
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    <lastmod>2026-04-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <!-- Feature landing pages -->
  <url>
    <loc>https://www.policy-nest.com/features/client-management</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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    <loc>https://www.policy-nest.com/features/policy-management</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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    <loc>https://www.policy-nest.com/features/commission-tracking</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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    <loc>https://www.policy-nest.com/features/lead-pipeline</loc>
    <lastmod>2026-04-07</lastmod>
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    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.policy-nest.com/features/carrier-management</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.policy-nest.com/features/document-hub</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.policy-nest.com/features/license-management</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://www.policy-nest.com/features/messaging</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Blog posts -->
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    <loc>https://www.policy-nest.com/blog/nestor-ai-commission-import-explained</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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    <loc>https://www.policy-nest.com/blog/commission-tracking-best-practices-insurance</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.policy-nest.com/blog/organize-insurance-book-of-business</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.policy-nest.com/blog/client-portal-benefits-for-insurance-agents</loc>
    <lastmod>2026-03-25</lastmod>
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    <loc>https://www.policy-nest.com/blog/lead-pipeline-management-tips-insurance</loc>
    <lastmod>2026-03-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.policy-nest.com/blog/switching-from-spreadsheets-to-insurtech</loc>
    <lastmod>2026-03-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.policy-nest.com/blog/cost-of-manual-commission-reconciliation</loc>
    <lastmod>2026-03-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://www.policy-nest.com/blog/building-client-trust-through-transparency</loc>
    <lastmod>2026-03-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.policy-nest.com/blog/insurance-agency-growth-strategies-2026</loc>
    <lastmod>2026-03-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://www.policy-nest.com/blog/how-to-evaluate-insurtech-tools</loc>
    <lastmod>2026-03-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.policy-nest.com/blog/future-of-independent-insurance-agencies</loc>
    <lastmod>2026-03-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://www.policy-nest.com/blog/policy-management-automation-for-agents</loc>
    <lastmod>2026-03-02</lastmod>
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    <loc>https://www.policy-nest.com/blog/understanding-your-lead-roi</loc>
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    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://www.policy-nest.com/blog/client-communication-strategies-insurance-agents</loc>
    <lastmod>2026-02-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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