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  <!-- ════════════════════════════════════════════
       HOMEPAGE — top priority
  ════════════════════════════════════════════ -->
  <url>
    <loc>https://www.dayainsurance.ca/</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ════════════════════════════════════════════
       PRODUCT / SERVICE PILLAR PAGES — high priority
  ════════════════════════════════════════════ -->
  <url>
    <loc>https://www.dayainsurance.ca/life-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ════════════════════════════════════════════
       LIFE INSURANCE SUB-PRODUCT PAGES (spokes) — added 2026-06-13
  ════════════════════════════════════════════ -->
  <url>
    <loc>https://www.dayainsurance.ca/term-life-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/whole-life-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/universal-life-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/participating-life-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/mortgage-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/funeral-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>


  <url>
    <loc>https://www.dayainsurance.ca/living-benefits.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/critical-illness-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/disability-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://www.dayainsurance.ca/investments.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ════════════════════════════════════════════
       INVESTMENTS SUB-PRODUCT PAGES (spokes) — added 2026-06-24
  ════════════════════════════════════════════ -->
  <url>
    <loc>https://www.dayainsurance.ca/resp.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/tfsa.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/rrsp.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/fhsa.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/rdsp.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/non-registered-investments.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://www.dayainsurance.ca/visitor-super-visa-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ════════════════════════════════════════════
       VISITOR / SUPER VISA SUB-PRODUCT PAGES (spokes) — added 2026-06-18
  ════════════════════════════════════════════ -->
  <url>
    <loc>https://www.dayainsurance.ca/visitor-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.dayainsurance.ca/super-visa-insurance.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ════════════════════════════════════════════
       CONVERSION PAGES — high priority
  ════════════════════════════════════════════ -->
  <url>
    <loc>https://www.dayainsurance.ca/quote.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.dayainsurance.ca/contact.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ════════════════════════════════════════════
       INFO PAGES — medium-high priority
  ════════════════════════════════════════════ -->
  <url>
    <loc>https://www.dayainsurance.ca/about.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.dayainsurance.ca/resources.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ════════════════════════════════════════════
       BLOG ARTICLES — medium priority
  ════════════════════════════════════════════ -->
  <url>
    <loc>https://www.dayainsurance.ca/blog.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.dayainsurance.ca/blog-life-insurance-guide.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.dayainsurance.ca/blog-term-life-insurance-guide.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.dayainsurance.ca/blog-critical-illness-insurance-guide.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.dayainsurance.ca/blog-resp-grants-guide.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.dayainsurance.ca/blog-super-visa-insurance-guide.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.dayainsurance.ca/blog-visitor-insurance-guide.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ════════════════════════════════════════════
       LEGAL / COMPLIANCE — lower priority
  ════════════════════════════════════════════ -->
  <url>
    <loc>https://www.dayainsurance.ca/legal.html</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

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