<?xml version="1.0" encoding="UTF-8"?>
<!--
  ============================================================================
  SITEMAP.XML — THE HEALTHY INSURANCE DUDE
  ============================================================================
  Drop this file at the root of your domain, replacing the existing sitemap:
    https://www.thehealthyinsurancedude.com/sitemap.xml

  After deploy:
  1. Confirm the file loads at the URL above (should show XML, not a 404).
  2. Add this line to your robots.txt file if not already present:
       Sitemap: https://www.thehealthyinsurancedude.com/sitemap.xml
  3. Google Search Console — the existing /sitemap.xml URL will be re-read
     automatically within 24–72 hours; no re-submission required.
  4. Bing Webmaster Tools — same process (Bing feeds ChatGPT web results).
  5. Add a 301 redirect from /index.html to / to fix the duplicate homepage
     issue (removed from this sitemap).

  MAINTENANCE (once live):
  - Add each new state landing page as it is built (California, Florida, etc.)
  - Add blog posts when you publish them
  - No lastmod tags — Google recommends omitting these unless they are
    genuinely accurate, and hardcoded dates go stale fast
  ============================================================================
-->

<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- ===== TIER 1: PRIMARY CONVERSION PAGES ===== -->

  <url>
    <loc>https://www.thehealthyinsurancedude.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://www.thehealthyinsurancedude.com/price-estimate-page.html</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.thehealthyinsurancedude.com/contact-us.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>


  <!-- ===== TIER 2: HEALTH INSURANCE CORE PRODUCT PAGES ===== -->

  <url>
    <loc>https://www.thehealthyinsurancedude.com/health-insurance.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.thehealthyinsurancedude.com/services.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.thehealthyinsurancedude.com/faq.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.thehealthyinsurancedude.com/our-clients.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>


  <!-- ===== TIER 3: BRAND / TRUST PAGES ===== -->

  <url>
    <loc>https://www.thehealthyinsurancedude.com/faces-behind-brand.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.thehealthyinsurancedude.com/behind-the-brand.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>


  <!-- ===== TIER 4: STATE / GEOGRAPHIC LANDING PAGES ===== -->
  <!-- Add each new state landing page here as it is built -->

  <url>
    <loc>https://www.thehealthyinsurancedude.com/personal-health-insurance-texas.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>


  <!-- ===== TIER 5: EDUCATIONAL / SUPPORTING CONTENT ===== -->

  <url>
    <loc>https://www.thehealthyinsurancedude.com/history-healthcare.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>


  <!-- ===== TIER 6: LIFE / RETIREMENT / CAPITAL PRESERVATION ===== -->
  <!-- Included per client decision to keep these pages live and indexed -->

  <url>
    <loc>https://www.thehealthyinsurancedude.com/life.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://www.thehealthyinsurancedude.com/retirement-income.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://www.thehealthyinsurancedude.com/capital-preservation.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>


  <!-- ===== TIER 7: SOCIAL / SECONDARY ===== -->

  <url>
    <loc>https://www.thehealthyinsurancedude.com/social.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>


  <!-- ===== TIER 8: LEGAL / COMPLIANCE ===== -->

  <url>
    <loc>https://www.thehealthyinsurancedude.com/privacy-policy.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://www.thehealthyinsurancedude.com/terms-and-conditions.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
