<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us</loc>
  <lastmod>2026-08-05T09:19:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31305836050324-How-do-I-activate-my-estate-planning-account</loc>
  <lastmod>2026-07-08T22:13:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31305852878356-What-if-it-is-asking-me-to-pay</loc>
  <lastmod>2026-07-08T22:13:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31305889526292-How-do-I-update-Will</loc>
  <lastmod>2026-07-08T22:13:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31305893117716-How-often-should-I-update-my-Will-or-Trust</loc>
  <lastmod>2026-07-08T22:13:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31305894748692-How-to-change-the-name-of-a-Trust-that-is-already-set-up</loc>
  <lastmod>2026-07-08T22:13:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31305896659092-How-do-I-update-my-heirs-name-DOB-date-of-birth</loc>
  <lastmod>2026-07-29T01:50:37Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31305933665940-I-added-a-family-member-twice-how-do-I-remove-one-of-them</loc>
  <lastmod>2026-07-08T22:13:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31305946023316-How-is-this-different-from-other-estate-planning-tools</loc>
  <lastmod>2026-07-09T10:57:34Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31305948913044-How-do-I-download-my-documents</loc>
  <lastmod>2026-07-08T22:13:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31305977756308-When-where-do-I-list-my-house-cars-RV-etc-so-that-it-is-included-in-my-trust</loc>
  <lastmod>2026-07-08T22:13:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31305979901844-How-do-I-fund-the-trust-How-to-add-assets-like-401K-banks-IRA-stocks-and-accounts</loc>
  <lastmod>2026-07-09T11:00:59Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31306006277012-Is-the-will-revocable</loc>
  <lastmod>2026-07-09T11:05:19Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31306033557396-Why-can-t-I-see-my-life-insurance-policy-in-the-app</loc>
  <lastmod>2026-07-08T22:13:51Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31526560771860-What-is-a-collateral-assignment</loc>
  <lastmod>2026-07-08T22:16:48Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31529924182804-What-is-the-process-to-complete-a-Collateral-Assignment</loc>
  <lastmod>2026-07-08T22:16:49Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31529933376660-What-is-a-Release-of-Assignment</loc>
  <lastmod>2026-07-08T22:16:49Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31529978118420-Can-I-have-more-than-1-collateral-assignee</loc>
  <lastmod>2026-07-08T22:16:49Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31529997506196-When-can-I-complete-a-collateral-assignment</loc>
  <lastmod>2026-07-08T22:16:49Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530037882900-Do-you-accept-foreign-international-lenders</loc>
  <lastmod>2026-07-08T22:16:49Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530056983956-Can-the-Bank-s-address-be-a-P-O-BOX</loc>
  <lastmod>2026-07-08T22:16:49Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530322256404-What-is-the-claim-process</loc>
  <lastmod>2026-07-08T22:12:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530324779540-What-are-the-payout-options-for-the-benefit-amount</loc>
  <lastmod>2026-07-08T22:12:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530366404244-How-do-I-access-my-policy-documents</loc>
  <lastmod>2026-07-08T22:12:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530399307540-Can-I-borrow-off-my-policy</loc>
  <lastmod>2026-07-08T22:12:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530444016660-Do-I-get-a-refund-if-I-cancel-my-policy</loc>
  <lastmod>2026-07-08T22:12:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530450340884-Is-my-policy-convertible</loc>
  <lastmod>2026-07-08T22:12:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530455274004-Do-I-get-my-premiums-back-after-my-policy-ends</loc>
  <lastmod>2026-07-08T22:12:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530476521364-How-do-I-cancel-my-policy</loc>
  <lastmod>2026-07-08T22:12:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530861806356-How-do-I-update-my-email-address</loc>
  <lastmod>2026-07-08T22:11:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530867185556-How-do-I-update-my-name</loc>
  <lastmod>2026-07-08T22:12:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530872120980-How-do-I-update-my-address</loc>
  <lastmod>2026-07-29T01:57:14Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31530916322708-How-do-I-update-my-phone-number</loc>
  <lastmod>2026-07-29T01:55:20Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31531159180436-How-do-I-log-in-to-my-portal</loc>
  <lastmod>2026-07-08T22:09:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31531681195284-Can-I-use-a-password-to-log-into-my-portal</loc>
  <lastmod>2026-07-08T22:09:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31531701737364-How-long-does-it-take-for-a-payment-to-process-CC-or-ACH</loc>
  <lastmod>2026-07-08T22:10:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31531892778004-Can-you-process-my-payment-over-the-phone</loc>
  <lastmod>2026-07-08T22:10:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31531912525588-Can-payment-be-processed-before-my-due-date-pay-early-or-prepayment</loc>
  <lastmod>2026-07-08T22:10:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31531917763092-Can-I-pay-by-check-or-money-order</loc>
  <lastmod>2026-07-08T22:10:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31531946402836-Why-can-I-not-add-a-credit-card-as-a-payment-method</loc>
  <lastmod>2026-07-08T22:10:10Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31531951749652-Will-payments-automatically-be-retried-if-I-update-my-payment-method</loc>
  <lastmod>2026-07-08T22:10:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31531958643348-Can-I-delay-my-payment</loc>
  <lastmod>2026-07-08T22:10:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31531987203476-How-can-I-view-my-payment-history</loc>
  <lastmod>2026-07-08T22:10:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532019267476-Can-I-set-up-autopay</loc>
  <lastmod>2026-07-08T22:10:10Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532030049172-How-do-I-update-my-payment-method</loc>
  <lastmod>2026-07-29T01:49:29Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532057572244-Can-I-change-my-payment-date</loc>
  <lastmod>2026-07-08T22:10:26Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532069945748-Can-I-get-a-discount-on-my-policy-by-paying-annually</loc>
  <lastmod>2026-07-08T22:10:10Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532112979348-Can-I-pay-quarterly-or-annually-instead-of-monthly</loc>
  <lastmod>2026-07-08T22:10:10Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532116998804-How-do-I-remove-an-old-payment-method</loc>
  <lastmod>2026-07-08T22:10:10Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532179625492-What-is-a-Primary-Beneficiary</loc>
  <lastmod>2026-07-08T22:17:45Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532226531220-What-is-a-beneficiary</loc>
  <lastmod>2026-07-08T22:17:44Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532251163540-What-is-a-Contingent-Beneficiary</loc>
  <lastmod>2026-07-08T22:17:44Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532261309716-Where-can-I-view-my-beneficiaries</loc>
  <lastmod>2026-07-08T22:17:45Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532289056660-How-do-I-update-my-beneficiaries</loc>
  <lastmod>2026-07-29T01:46:46Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532341656980-What-beneficiary-details-need-to-be-included</loc>
  <lastmod>2026-07-28T12:13:18Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532353461268-How-soon-after-I-update-my-beneficiaries-will-they-show-in-my-policy-documents</loc>
  <lastmod>2026-07-08T22:17:45Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532362139412-Do-I-need-to-include-a-Social-Security-Number</loc>
  <lastmod>2026-07-08T22:17:45Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532365180820-Can-I-choose-more-than-1-beneficiary</loc>
  <lastmod>2026-07-08T22:17:45Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532419523348-What-types-of-beneficiaries-are-not-acceptable</loc>
  <lastmod>2026-07-08T22:17:45Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532421489300-Can-unborn-children-be-listed-as-a-beneficiary</loc>
  <lastmod>2026-07-08T22:17:45Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532429150996-What-types-of-beneficiaries-are-acceptable</loc>
  <lastmod>2026-07-08T22:17:46Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532445018772-Does-the-Beneficiary-have-to-submit-a-death-claim</loc>
  <lastmod>2026-07-08T22:17:46Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532466771092-Can-the-same-individual-be-listed-as-a-Primary-and-Contingent-beneficiary</loc>
  <lastmod>2026-07-08T22:17:46Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532476036884-What-information-is-needed-to-list-a-Trust-as-a-beneficiary</loc>
  <lastmod>2026-07-08T22:17:46Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31532479485332-What-if-my-beneficiary-lives-in-another-country</loc>
  <lastmod>2026-07-08T22:17:44Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/31894697967508-How-do-I-retry-my-payment</loc>
  <lastmod>2026-07-08T22:10:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/32934970125076-Will-I-receive-a-physical-copy-of-my-policy</loc>
  <lastmod>2026-07-08T22:11:11Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34714634907924-Can-I-include-my-spouse-in-email-communications</loc>
  <lastmod>2026-07-08T22:12:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34714655892884-Can-I-add-a-policy-for-my-spouse</loc>
  <lastmod>2026-07-08T22:11:10Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34714686734484-What-is-Exam-One</loc>
  <lastmod>2026-07-08T22:12:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34714773912724-How-do-I-make-additional-payments</loc>
  <lastmod>2026-07-08T22:10:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34714801952660-I-need-to-receive-monthly-invoices-for-payment-reimbursement</loc>
  <lastmod>2026-07-08T22:10:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976204743700-Can-I-add-a-middle-name-to-the-will</loc>
  <lastmod>2026-07-08T22:13:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976353776916-How-do-I-log-in-to-the-estate-portal</loc>
  <lastmod>2026-07-08T22:13:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976558221844-Can-I-create-a-Will-and-Trust-on-behalf-of-someone</loc>
  <lastmod>2026-07-08T22:13:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976609985940-Can-I-keep-my-estate-planning-account-if-I-cancel-my-life-insurance-policy-or-if-the-policy-lapses</loc>
  <lastmod>2026-07-08T22:13:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976649159700-If-I-move-to-a-state-where-you-do-not-provide-estate-planning-will-my-tools-still-be-active</loc>
  <lastmod>2026-07-09T10:59:36Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976670205076-Do-I-need-to-have-my-document-notarized</loc>
  <lastmod>2026-07-08T22:13:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976724492436-Can-you-provide-me-with-general-information</loc>
  <lastmod>2026-07-08T22:13:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976758707988-Do-I-need-to-list-a-guardian</loc>
  <lastmod>2026-07-08T22:12:59Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976784598676-How-do-I-disinherit-or-not-include-a-child-to-have-access-to-any-of-my-estate</loc>
  <lastmod>2026-07-09T11:01:26Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976808836628-If-I-start-another-term-policy-will-I-continue-to-have-those-services</loc>
  <lastmod>2026-07-09T11:01:47Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976865993620-I-just-started-my-Will-but-I-need-to-stop-and-pick-it-up-later-When-I-log-back-in-will-it-remember-what-I-have-completed-thus-far</loc>
  <lastmod>2026-07-09T11:02:18Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976868793876-How-do-I-change-the-relationships-of-my-family-members</loc>
  <lastmod>2026-07-29T01:54:03Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976942063508-If-I-have-a-POA-Legal-Will-Trust-and-healthcare-directive-documents-notarized-do-I-need-to-upload-them-and-am-I-allowed-to-change-these-in-the-future</loc>
  <lastmod>2026-07-09T11:02:48Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976973895188-Do-I-have-to-add-my-trust-s-name-to-all-my-financial-accounts-or-is-it-better-to-add-the-trust-as-a-beneficiary</loc>
  <lastmod>2026-07-09T11:03:17Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976991714964-What-is-the-best-way-for-married-couples-to-navigate-this-app-Does-each-person-have-to-make-their-own-and-each-person-has-to-pay-for-the-package-Is-it-possible-to-get-a-joint-will</loc>
  <lastmod>2026-07-09T11:03:38Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34976994416020-Do-I-need-to-list-all-of-my-valuables-and-designate-who-they-will-go-to</loc>
  <lastmod>2026-07-08T22:12:59Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977023576212-How-can-I-add-the-location-of-my-heirs</loc>
  <lastmod>2026-07-09T11:04:24Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977056492564-Why-is-there-an-automatic-30-and-70-distribution</loc>
  <lastmod>2026-07-08T22:12:59Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977094213652-How-do-I-equally-distribute-my-valuables</loc>
  <lastmod>2026-07-09T11:05:52Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977097000980-Do-we-provide-estate-settlement-services</loc>
  <lastmod>2026-07-09T11:06:23Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977111926932-Can-a-client-add-Real-Estate-to-a-Trust</loc>
  <lastmod>2026-07-09T11:06:57Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977815278228-Is-it-mandatory-for-a-customer-to-have-two-witnesses-for-documents</loc>
  <lastmod>2026-07-09T11:07:20Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977860533652-How-do-I-add-LLC-to-Will</loc>
  <lastmod>2026-07-09T11:08:11Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977867939988-Can-a-client-add-a-child-but-not-list-a-guardian-for-them</loc>
  <lastmod>2026-07-09T11:07:45Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977875150996-Is-there-a-way-to-have-it-so-that-the-money-that-is-in-the-estate-is-used-to-fund-a-home-for-kids</loc>
  <lastmod>2026-07-08T22:12:59Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977892534292-Can-we-add-a-Charitable-Organization-as-a-beneficiary-on-the-Legal-Will</loc>
  <lastmod>2026-07-08T22:12:59Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977924751508-Is-the-Trust-we-offer-part-of-a-High-Interest-Account</loc>
  <lastmod>2026-07-09T11:09:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977936537236-How-do-I-remove-or-delete-a-spouse-domestic-partner-civil-union</loc>
  <lastmod>2026-07-08T22:13:52Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977941386644-What-is-the-benefit-of-a-Trust-versus-a-Will</loc>
  <lastmod>2026-07-09T11:09:17Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/34977987515028-How-do-I-make-my-trustees-have-the-same-power-of-decision-making</loc>
  <lastmod>2026-07-09T11:09:49Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/35799274054548-How-do-I-log-out-of-my-account</loc>
  <lastmod>2026-07-08T22:09:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/41937670649748-What-happens-if-I-use-the-same-email-for-both-my-and-my-spouse-s-applications</loc>
  <lastmod>2026-07-08T22:09:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/41938131004948-What-if-I-answered-a-question-wrong-or-forgot-to-disclose-something-on-my-application</loc>
  <lastmod>2026-07-08T22:11:36Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/41938221597844-Can-I-switch-from-a-smoker-to-a-non-smoker-status</loc>
  <lastmod>2026-07-08T22:11:36Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/41938233472788-What-if-I-lost-my-agent-s-contact-information</loc>
  <lastmod>2026-07-08T22:11:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/41938281121940-Can-I-have-multiple-policies-with-the-same-email</loc>
  <lastmod>2026-07-08T22:11:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/41938284424596-How-do-I-get-an-Indexed-Universal-Life-IUL-policy</loc>
  <lastmod>2026-07-08T22:11:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/41938342050068-How-do-I-know-when-my-policy-has-completed-underwriting</loc>
  <lastmod>2026-07-08T22:11:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/41938355272724-Will-my-premium-increase-over-time</loc>
  <lastmod>2026-07-08T22:11:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/41938396337044-I-never-confirmed-the-plan-but-money-was-withdrawn-why</loc>
  <lastmod>2026-07-08T22:11:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/41938453975956-Do-I-need-to-send-any-documents-for-my-application</loc>
  <lastmod>2026-07-08T22:11:34Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590037002004-How-do-I-create-an-online-account-to-manage-my-policy</loc>
  <lastmod>2026-07-08T22:09:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590070686740-How-do-I-turn-off-multi-factor-authentication-on-my-account</loc>
  <lastmod>2026-07-08T22:09:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590106390548-How-can-I-unblock-or-reactivate-my-customer-account</loc>
  <lastmod>2026-07-08T22:06:52Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590136145044-Why-did-I-get-a-grace-period-letter-in-the-mail-when-my-payment-shows-as-paid-on-the-website</loc>
  <lastmod>2026-07-08T22:10:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590179118100-What-does-Pending-Initial-Premium-mean-on-my-account</loc>
  <lastmod>2026-07-08T22:10:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590184493332-When-is-my-next-payment-date</loc>
  <lastmod>2026-07-08T22:10:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590195558804-Will-my-payment-still-be-drafted-after-I-cancel-my-policy</loc>
  <lastmod>2026-07-08T22:10:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590252111892-Can-I-pause-or-stop-my-plan-payment</loc>
  <lastmod>2026-07-08T22:10:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590307980820-How-do-I-change-my-login-information</loc>
  <lastmod>2026-07-08T22:11:34Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590330142996-Can-I-update-my-mailing-address-for-my-policy-documents</loc>
  <lastmod>2026-07-08T22:11:33Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590384989972-How-do-I-start-or-activate-my-insurance-policy-after-approval</loc>
  <lastmod>2026-07-08T22:11:10Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590391990676-When-will-my-policy-start-if-I-request-a-specific-effective-date</loc>
  <lastmod>2026-07-08T22:11:33Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590405113748-How-soon-does-my-life-insurance-coverage-take-effect</loc>
  <lastmod>2026-07-08T22:11:33Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590415697172-How-long-is-term-life-insurance-coverage</loc>
  <lastmod>2026-07-08T22:11:33Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590433831700-How-do-I-change-my-coverage-amount</loc>
  <lastmod>2026-07-08T22:11:33Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590473956372-Can-I-borrow-from-my-policy</loc>
  <lastmod>2026-07-08T22:11:33Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590477897236-What-is-the-annual-fee-on-my-policy</loc>
  <lastmod>2026-07-08T22:11:33Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590500707604-How-do-I-know-if-my-policy-was-created-with-the-help-of-a-licensed-insurance-agent</loc>
  <lastmod>2026-07-08T22:11:33Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590533969428-If-I-move-overseas-will-my-policy-remain-valid-in-another-country</loc>
  <lastmod>2026-07-08T22:11:32Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590569065748-What-are-my-options-for-accessing-funds-from-my-policy</loc>
  <lastmod>2026-07-08T22:11:32Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590578160404-Are-there-any-penalties-or-fees-for-cancelling-my-life-insurance-policy</loc>
  <lastmod>2026-07-08T22:11:32Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590603990420-How-can-I-check-if-my-policy-is-still-active</loc>
  <lastmod>2026-07-08T22:11:32Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590621323668-What-is-my-term-length</loc>
  <lastmod>2026-07-08T22:11:32Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590647378836-What-happens-to-the-money-I-ve-paid-into-the-policy-if-I-cancel</loc>
  <lastmod>2026-07-08T22:11:32Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590674072724-Can-I-reinstate-a-policy-I-canceled-by-mistake</loc>
  <lastmod>2026-07-08T22:11:12Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590685360916-What-information-will-my-beneficiaries-need-to-file-a-claim-if-something-happens-to-me</loc>
  <lastmod>2026-07-08T22:11:12Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590803484820-Who-receives-the-life-insurance-payout-if-a-primary-beneficiary-has-passed-away</loc>
  <lastmod>2026-07-08T22:17:44Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590813085588-How-do-I-add-a-beneficiary-who-is-not-my-spouse-for-example-a-domestic-partner</loc>
  <lastmod>2026-07-08T22:17:44Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590882791572-My-policy-shows-a-collateral-added-recently-but-it-s-not-appearing-on-my-account</loc>
  <lastmod>2026-07-08T22:16:48Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/43590901407764-How-do-I-activate-estate-planning-benefits-for-my-spouse</loc>
  <lastmod>2026-07-08T22:13:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44435944890260-How-do-I-set-up-a-username-and-password-for-my-account</loc>
  <lastmod>2026-07-08T22:09:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44436119363732-What-is-my-current-payment-method</loc>
  <lastmod>2026-07-08T22:10:07Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44436180478868-Did-my-last-payment-go-through</loc>
  <lastmod>2026-07-08T22:10:07Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44436214314900-How-can-I-stop-automatic-payments-or-remove-my-policy-from-auto-draft</loc>
  <lastmod>2026-07-08T22:10:07Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44436698381460-Do-both-spouses-need-separate-policies-or-can-we-share-one</loc>
  <lastmod>2026-07-08T22:11:12Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44436708996244-How-do-I-withdraw-or-delete-my-application-if-I-made-a-mistake</loc>
  <lastmod>2026-07-08T22:11:11Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44436756668948-Why-did-I-receive-an-email-from-ExamOne-asking-for-medical-information</loc>
  <lastmod>2026-07-08T22:11:11Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44436807153300-What-happens-if-I-don-t-complete-my-medical-exam-request</loc>
  <lastmod>2026-07-08T22:11:11Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44436836495764-What-happens-after-my-term-policy-ends</loc>
  <lastmod>2026-07-08T22:11:11Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44436888074772-Do-I-have-living-benefits-included-in-my-policy</loc>
  <lastmod>2026-07-08T22:11:11Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44436917365780-Can-I-get-confirmation-or-proof-of-my-cancellation-request</loc>
  <lastmod>2026-07-08T22:11:11Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44439221367700-Who-is-currently-listed-as-my-beneficiary-on-this-policy</loc>
  <lastmod>2026-07-08T22:17:44Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/44439265571220-How-do-I-change-the-amount-each-beneficiary-receives</loc>
  <lastmod>2026-07-08T22:17:43Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/45319427461268-How-does-Life-insurance-work</loc>
  <lastmod>2026-07-09T09:41:07Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/46345330587284-Carrier-Contact-Details-and-Phone-Directory</loc>
  <lastmod>2026-07-09T11:13:20Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/47034008954132-How-to-Cancel-Your-Ethos-Estate-Planning-Trial</loc>
  <lastmod>2026-07-08T22:13:51Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/47034067224212-How-do-I-access-or-edit-my-documents</loc>
  <lastmod>2026-07-08T22:13:51Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/47034105177876-Do-you-offer-Estate-Planning-services-in-all-states</loc>
  <lastmod>2026-07-08T22:13:51Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/47034163566356-How-do-I-reset-my-account-or-start-my-Estate-Plan-over</loc>
  <lastmod>2026-07-08T22:13:51Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/47034167831828-How-can-I-add-the-location-of-my-heirs</loc>
  <lastmod>2026-07-08T22:13:24Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/47034265379604-How-to-add-edit-family-members</loc>
  <lastmod>2026-07-08T22:13:24Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/47034283248660-Will-I-get-a-refund-if-I-do-not-use-the-tool</loc>
  <lastmod>2026-07-08T22:13:03Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/47034321405204-Contact-information</loc>
  <lastmod>2026-07-08T22:13:03Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48210347307028-I-just-signed-up-for-20yr-750k-coverage-What-is-the-cost-to-convert-to-a-whole-life</loc>
  <lastmod>2026-07-08T22:11:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48210409138196-How-long-does-it-take-to-have-cash-value-on-a-TruStage-policy</loc>
  <lastmod>2026-07-08T22:11:10Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48210507512212-How-to-get-a-Quote</loc>
  <lastmod>2026-07-08T22:09:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48210572774292-How-can-I-reopen-my-application</loc>
  <lastmod>2026-07-08T22:09:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48210625903892-How-to-change-the-payment-frequency-change-the-plan</loc>
  <lastmod>2026-07-08T22:10:06Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48210673625748-Can-payment-frequency-changes-be-processed-before-a-policy-is-activated</loc>
  <lastmod>2026-07-08T22:10:06Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48210682677652-Is-a-change-in-payment-frequency-available-for-all-carriers</loc>
  <lastmod>2026-07-08T22:10:07Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48210687442836-Can-I-change-my-payment-method-while-my-payment-is-pending</loc>
  <lastmod>2026-07-08T22:10:07Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48210728088212-If-I-change-my-payment-frequency-will-I-receive-a-refund-for-the-time-remaining-in-my-previous-billing-period</loc>
  <lastmod>2026-07-08T22:10:06Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48210750274068-Is-it-possible-to-modify-a-customer-s-payment-due-date-once-their-policy-has-been-activated</loc>
  <lastmod>2026-07-08T22:10:06Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48641320961044-What-is-a-Trust</loc>
  <lastmod>2026-07-08T22:13:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48641334518036-What-is-a-Pour-Over-Will</loc>
  <lastmod>2026-07-08T22:13:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48641337372052-What-is-a-Power-of-Attorney</loc>
  <lastmod>2026-07-08T22:13:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48641338459028-What-is-a-Healthcare-Directive</loc>
  <lastmod>2026-07-08T22:13:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48641339821204-What-is-an-Attorney-Review</loc>
  <lastmod>2026-07-08T22:13:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48641377524756-What-is-Medical-consent</loc>
  <lastmod>2026-07-08T22:13:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762238352916-How-do-the-premiums-and-benefits-work-for-this-rider</loc>
  <lastmod>2026-07-09T11:14:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762239921300-How-long-does-this-rider-provide-coverage</loc>
  <lastmod>2026-07-09T11:14:54Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762245518100-What-is-the-Accidental-Death-Benefit-Rider</loc>
  <lastmod>2026-07-09T11:14:13Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762255317908-Can-I-purchase-this-rider-on-its-own</loc>
  <lastmod>2026-07-09T11:15:16Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762272031380-Does-the-rider-stay-active-if-my-base-policy-ends</loc>
  <lastmod>2026-07-09T11:15:40Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762281115668-Why-are-we-offering-an-Accidental-Death-Benefit-Rider</loc>
  <lastmod>2026-07-09T11:15:58Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762296801300-Do-I-need-additional-underwriting-to-add-the-Accidental-Death-Benefit-Rider</loc>
  <lastmod>2026-07-09T11:16:20Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762309424532-How-does-this-rider-improve-the-customer-experience</loc>
  <lastmod>2026-07-09T11:16:36Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762311221012-Who-can-purchase-this-rider</loc>
  <lastmod>2026-07-09T11:17:13Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762323568532-Can-I-make-advance-premium-payments-for-this-rider</loc>
  <lastmod>2026-07-09T11:18:24Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762331195924-Is-there-a-limit-to-how-much-accidental-death-coverage-I-can-add</loc>
  <lastmod>2026-07-09T11:18:08Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762332481684-How-are-premiums-calculated-for-this-rider</loc>
  <lastmod>2026-07-09T11:17:31Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762333608212-When-does-this-rider-coverage-end</loc>
  <lastmod>2026-07-09T11:17:49Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762337724948-Are-dividends-paid-on-this-rider</loc>
  <lastmod>2026-07-09T11:19:10Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762359981716-Does-this-rider-build-cash-value</loc>
  <lastmod>2026-07-09T11:18:44Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762369557268-How-will-I-pay-for-the-Accidental-Death-Benefit-Rider</loc>
  <lastmod>2026-07-09T11:19:28Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762403749268-Will-the-rider-be-billed-on-the-same-schedule-as-my-policy</loc>
  <lastmod>2026-07-09T11:19:56Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762406329748-Can-I-choose-my-draft-date-for-payments</loc>
  <lastmod>2026-07-09T11:20:43Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762426764052-Are-there-discounts-or-extra-charges-based-on-how-often-I-pay</loc>
  <lastmod>2026-07-09T11:20:19Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762455783956-When-is-an-Accidental-Death-Benefit-paid</loc>
  <lastmod>2026-07-09T11:21:00Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762471426196-How-is-the-Accidental-Death-Benefit-amount-paid</loc>
  <lastmod>2026-07-09T11:21:29Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762473337492-Are-there-situations-where-the-Accidental-Death-Benefit-would-not-be-paid</loc>
  <lastmod>2026-07-09T11:21:46Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762474883604-Can-I-add-this-rider-to-my-policy-later</loc>
  <lastmod>2026-07-09T11:22:03Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/48762777611412-What-are-the-age-requirements-to-apply-for-these-products</loc>
  <lastmod>2026-07-09T11:22:19Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/49857895696020-Are-contingent-and-secondary-beneficiaries-the-same</loc>
  <lastmod>2026-07-08T22:17:43Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/49857918694804-Who-receives-the-death-benefit-if-all-primary-beneficiaries-are-deceased</loc>
  <lastmod>2026-07-08T22:17:43Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/49857935851540-How-do-I-update-a-contingent-beneficiary</loc>
  <lastmod>2026-07-29T01:48:18Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/49857967036948-How-long-after-a-lapse-can-I-still-reinstate-my-policy</loc>
  <lastmod>2026-07-08T22:11:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/49857993763732-How-can-I-find-the-agent-assigned-to-my-policy</loc>
  <lastmod>2026-07-08T22:11:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/49857994993172-When-should-I-request-reinstatement</loc>
  <lastmod>2026-07-08T22:11:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/49857996521492-What-is-the-process-for-reinstatement</loc>
  <lastmod>2026-07-08T22:11:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/49857999277972-How-do-I-reinstate-a-policy-in-Late-Offer-status</loc>
  <lastmod>2026-07-08T22:11:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/52151688637972-How-do-I-correct-mistakes-made-on-my-application</loc>
  <lastmod>2026-08-05T09:19:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/52151742479124-Will-my-personal-information-like-my-SSN-and-contact-details-be-saved-in-your-system-if-I-don-t-complete-my-application</loc>
  <lastmod>2026-08-05T09:19:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/articles/52151744190612-Will-my-application-be-automatically-closed-if-I-don-t-complete-it</loc>
  <lastmod>2026-08-05T09:19:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/31305812542612-Activation</loc>
  <lastmod>2026-07-08T22:13:02Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/31305871934356-Update-my-Estate-Planning</loc>
  <lastmod>2026-07-29T01:50:37Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/31305958877716-Estate-Planning-Frequently-Asked-Questions</loc>
  <lastmod>2026-07-29T01:54:03Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/31524721445396-Collateral-Assignment-FAQs</loc>
  <lastmod>2026-07-08T22:16:49Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/31530228167700-Update-Account-Information</loc>
  <lastmod>2026-07-29T01:57:14Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/31530243956756-Death-Claim</loc>
  <lastmod>2026-07-08T22:12:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/31530251041428-Policy-FAQ</loc>
  <lastmod>2026-07-08T22:12:09Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/31530914039956-Payment-Changes</loc>
  <lastmod>2026-07-29T01:49:29Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/31530952724244-Payment-Processing</loc>
  <lastmod>2026-07-08T22:10:10Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/31530992639124-Logging-In</loc>
  <lastmod>2026-07-08T22:09:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/31532223952404-Beneficiary-FAQ</loc>
  <lastmod>2026-07-29T01:48:18Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/45319385730580-Life-insurance</loc>
  <lastmod>2026-07-09T09:41:07Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/46345323551124-Carrier-Contact-Details-and-Phone-Directory</loc>
  <lastmod>2026-07-09T11:13:20Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/48641333479444-General-Overview</loc>
  <lastmod>2026-07-08T22:13:03Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/48762214540180-Accidental-Death-Benefit-Rider</loc>
  <lastmod>2026-07-09T11:22:19Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/sections/52151684512916-Application-Questions</loc>
  <lastmod>2026-08-05T09:19:01Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/categories/31305643215124-Ethos-Portal</loc>
  <lastmod>2026-08-05T09:14:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/categories/31305661020820-Payments</loc>
  <lastmod>2026-08-05T09:14:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/categories/31305757490452-Beneficiaries</loc>
  <lastmod>2026-08-05T09:14:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/categories/31305768437652-Policy</loc>
  <lastmod>2026-08-05T09:14:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/categories/31305799483284-Collateral-Assignments</loc>
  <lastmod>2026-08-05T09:14:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/categories/31305809378580-Estate-Planning</loc>
  <lastmod>2026-08-05T09:14:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/categories/45319408874644-About-Ethos</loc>
  <lastmod>2026-08-05T09:14:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/categories/46345302066580-Contact-details</loc>
  <lastmod>2026-08-05T09:14:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/categories/48762214000404-TruStage-Accidental-Death-Benefit-Rider</loc>
  <lastmod>2026-08-05T09:14:35Z</lastmod>
</url>
<url>
  <loc>https://getethoslife.zendesk.com/hc/en-us/categories/52151648062100-Application</loc>
  <lastmod>2026-08-05T09:19:01Z</lastmod>
</url>
</urlset>
