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  <!--
    COMPLETE PUBLIC SITEMAP — Buy Before You Die.

    PRE-LAUNCH (until September 30, 2026, 1:00 PM Central):
      This sitemap lists every public URL, but every non-homepage route
      returns a "noindex,nofollow" Coming Soon page (enforced by the
      LaunchGate component + the pre-hydration shell in index.html). So
      Google discovers the URLs but does NOT index them — only the
      homepage is indexed before launch.

    AT/AFTER LAUNCH:
      The LaunchGate opens automatically (timestamp check) and the real
      indexable pages render with "index,follow". The same sitemap URLs
      then become indexable — NO manual sitemap edit is required at launch.

    Permanently excluded (private / utility — never in sitemap):
      /confirmation, /book, /apply, /client-gift, /bbyd-preview-915
  -->

  <!-- HOMEPAGE -->
  <url>
    <loc>https://buybeforeyoudie.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://vibe.filesafe.space/1787073577453762110/attachments/ceb48c47-d7e5-4847-98a9-6abb0800eeea.png</image:loc>
      <image:title>Household financial planning: mortgage and password reminders</image:title>
      <image:caption>Mortgage statement folder with streaming password sticky note, representing household financial planning</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://vibe.filesafe.space/1787073577453762110/attachments/02374170-d836-4375-908f-997823f0198c.jpg</image:loc>
      <image:title>Example: healthy 25-year-old woman life insurance rate</image:title>
      <image:caption>Healthy athletic woman smiling, representing a preferred rate tier for life insurance</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://vibe.filesafe.space/1787073577453762110/attachments/1a423bc4-a125-49e9-a60c-7a3e00ffda26.jpg</image:loc>
      <image:title>Insuring the person who pays for the car and the house</image:title>
      <image:caption>Man carrying a house on his back while holding phone showing insured car and house, with family standing nearby</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://vibe.filesafe.space/1787073577453762110/attachments/54cbda0f-590e-4f5a-8686-286152e7cf82.jpg</image:loc>
      <image:title>Akil &amp; Sheena Cooper — Buy Before You Die</image:title>
      <image:caption>Sheena and Akil Cooper, licensed independent life insurance agents behind Buy Before You Die</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://vibe.filesafe.space/1787073577453762110/attachments/99d24c57-7815-4cc6-8242-fa7b62d74445.jpg</image:loc>
      <image:title>Life insurance carriers Buy Before You Die shops</image:title>
      <image:caption>Life insurance carrier logos including Mutual of Omaha, Transamerica, Foresters Financial, Corebridge, Ethos, Americo, North American, American Amicable, and others</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://vibe.filesafe.space/1787073577453762110/assets/86ef01fd-f197-46fb-981b-6b263198d432.png</image:loc>
      <image:title>Protecting your family</image:title>
      <image:caption>Child's hand reaching up to hold an adult's finger, representing protecting your family</image:caption>
    </image:image>
  </url>

  <!-- ABOUT -->
  <url>
    <loc>https://buybeforeyoudie.com/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- LIFE INSURANCE CALCULATOR -->
  <url>
    <loc>https://buybeforeyoudie.com/how-much-life-insurance-do-i-need</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- LEARN / COVERAGE TYPES HUB -->
  <url>
    <loc>https://buybeforeyoudie.com/learn</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- PILLAR / COVERAGE TYPE PAGES -->
  <url>
    <loc>https://buybeforeyoudie.com/term-life-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/whole-life-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/final-expense-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/indexed-universal-life-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/life-insurance-for-families</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/life-insurance-for-parents</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/mortgage-protection</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/no-medical-exam-life-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/life-insurance-with-health-conditions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/life-insurance-cost</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- LEGAL / COMPLIANCE PAGES -->
  <url>
    <loc>https://buybeforeyoudie.com/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/sms-terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/accessibility</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://buybeforeyoudie.com/licensing</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
