<?xml version="1.0" encoding="UTF-8"?>
<!-- sitemap.xml — Ralph S Richardson Insurance Agency. GENERATED by tools/gen-sitemap.php
     (one pass; re-run after content changes / at deploy: `php tools/gen-sitemap.php`). Lists PUBLIC,
     INDEXABLE pages only. <lastmod> = the REAL last-change date per source file — max(git last-commit
     date, file mtime) — so it reflects the deployed content with no fabricated dates (§8). To add/remove
     a page, edit the <loc> list below (preserved as the source of truth), then re-run the tool.
     EXCLUDED on purpose (noindex): /service/, /service/policy-review/, /request-a-callback/thanks/,
     /community/ (thin coming-soon stub — noindex until it has real content; ADD back then),
     and /business-hr/ (the PEO front door — stays noindex until the Insperity agreement clears;
     ADD it here at that point, Path A). -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://www.ralphsrichardson.com/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/property-casualty/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/life/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/life/mortgage-protection/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/annuities/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/how-much-term-life-do-i-need/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/term-vs-whole-life/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/life-insurance-underwriting/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/what-a-fixed-annuity-guarantees/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/annuity-caps-and-participation-rates/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/will-i-outlive-my-savings/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/homeowners-insurance-and-your-mortgage/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/read-your-insurance-policy/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/california-fair-plan/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/homeowners-insurance-wildfire-california/</loc><lastmod>2026-06-25</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/how-much-umbrella-insurance/</loc><lastmod>2026-06-25</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/what-happens-when-term-life-expires/</loc><lastmod>2026-06-25</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/how-to-choose-term-life-length/</loc><lastmod>2026-06-25</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/life-insurance-beneficiary-mistakes/</loc><lastmod>2026-06-25</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/fixed-vs-fixed-indexed-annuity/</loc><lastmod>2026-06-22</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/annuity-surrender-charges/</loc><lastmod>2026-06-25</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/earthquake-insurance-california/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/condo-insurance-ho6-vs-hoa-master/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/what-homeowners-insurance-does-not-cover/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/learn/annuity-vs-cd/</loc><lastmod>2026-06-29</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/about/</loc><lastmod>2026-06-20</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/contact/</loc><lastmod>2026-06-21</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/request-a-callback/</loc><lastmod>2026-06-16</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/disclosures/</loc><lastmod>2026-06-21</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/privacy/</loc><lastmod>2026-06-20</lastmod></url>
  <url><loc>https://www.ralphsrichardson.com/terms/</loc><lastmod>2026-06-20</lastmod></url>
</urlset>
