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  <!-- Institucional -->
  <url>
    <loc>https://lifeandvalue.com/</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/sobre-nos</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/comparativos</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Planos de Saúde Corporativos (core business) -->
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-corporativo</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-empresarial</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-pme</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/migracao-plano-de-saude</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/reducao-custo-plano-de-saude</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Benefícios Empresariais -->
  <url>
    <loc>https://lifeandvalue.com/seguro-de-vida-empresarial</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-odontologico-empresarial</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/seguros-empresariais</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Para Você (páginas com conteúdo substancial) -->
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-individual</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-59-mais</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/seguro-de-vida-individual</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/seguro-viagem</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/previdencia-privada</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Operadoras (com conteúdo único e substancial) -->
  <url>
    <loc>https://lifeandvalue.com/operadoras</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-sulamerica</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-bradesco-saude</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-amil</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-porto-saude</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-hapvida</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-notredame</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-omint</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lifeandvalue.com/plano-de-saude-careplus</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
</urlset>