<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">
  <url>
    <loc>https://www.libertylife.co.nz/insights</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-17</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/retirement-planning-nz-why-advisers-help</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-11</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/crypto-assets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-17</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/how-much-do-you-need-to-save-for-retirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-19</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/the-deposit-compensation-scheme-is-it-worth-the-hype</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/should-you-ever-put-more-than-20-down-on-a-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-28</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/how-to-almost-set-a-child-or-grandchild-up-for-life</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/dbd408e8-f859-4f5a-a698-cbb37cb9704f/compounding+interest.png</image:loc>
      <image:title>Insights Blog - How to almost set a child or grandchild up for life - Make it stand out</image:title>
      <image:caption>Compounding interest on display</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/preparing-for-retirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-10</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/a-better-alternative-to-budgeting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-28</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/7-steps-to-set-up-your-family-for-success</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-10</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/9-biggest-mistakes-millennials-make-financially</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-28</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/managing-cash-flow-and-setting-automation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-24</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/the-importance-of-diversification-through-the-lens-of-collapsed-banks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/8-signs-is-time-to-engage-a-financial-adviser</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/millennials-9-reasons-you-shouldnt-check-your-investments-more-than-once-a-quarter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/whats-behind-our-money-habits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/cashing-in-your-south-african-retirement-annuity-with-tax-emigration</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/wills-how-to-protect-your-loved-ones</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/why-everyone-needs-medical-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/what-are-the-eight-dimensions-of-wellbeing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/let-your-goals-drive-your-investment-strategy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/why-values-matter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/how-to-invest-and-do-good-for-the-planet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/mother-adpjn-76fw3-kj23w-3dp7t-xgz6m</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/success2-pwbmc-bb8k3-nbspn-aapm8-xt65n</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753472623-BL9RUD75PVIRF05P83V2/Capture.PNG</image:loc>
      <image:title>Insights Blog - Protect what matters most - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/insights/emotion-in-planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/investments</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-03</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/personal-insurance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753452152-RQVSLE37U1ZH5HYEFGCX/Insurance+Logos-03.png</image:loc>
      <image:title>Personal Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753452156-HOM5RLSGMI7XSW7TYZK8/Insurance+Logos-05.png</image:loc>
      <image:title>Personal Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753452160-SXDG9EO25FIFPCUI4687/Insurance+Logos-06.png</image:loc>
      <image:title>Personal Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753452165-XGE6ZLBM4PHB30KCPLTQ/Insurance+Logos-01.png</image:loc>
      <image:title>Personal Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753452171-87TBVQ5MLHNKC82NGJXW/Insurance+Logos-02.png</image:loc>
      <image:title>Personal Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753452175-7PXUZIUFY0HR0CBXUXLD/Insurance+Logos-04.png</image:loc>
      <image:title>Personal Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/testimonials</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-29</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/life-financial-strategy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-29</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-29</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/business-insurance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753475328-7L0R6HB963TBZIIFFRSG/Insurance+Logos-03.png</image:loc>
      <image:title>Business Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753475339-GS9F9HBFYF9ZA4HY28TC/Insurance+Logos-05.png</image:loc>
      <image:title>Business Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753475349-EQJB5PXHI0MPKFR2D6EA/Insurance+Logos-06.png</image:loc>
      <image:title>Business Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753475358-JRYMLLINJ2EZXA2K1EXI/Insurance+Logos-01.png</image:loc>
      <image:title>Business Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753475367-72E91V9F7Z1YCCMBVIQ7/Insurance+Logos-02.png</image:loc>
      <image:title>Business Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753475375-J5IGYKTL1927JG3YZ9GO/Insurance+Logos-04.png</image:loc>
      <image:title>Business Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/how-we-can-help</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-29</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/privacy-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-04-16</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2026-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg</image:loc>
      <image:title>Liberty Life Financial Planning</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg</image:loc>
      <image:title>Liberty Life Financial Planning</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg</image:loc>
      <image:title>Liberty Life Financial Planning</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753462933-004KYJA4HUZ3A6H3F63X/James-Headshot-2.png</image:loc>
      <image:title>About - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62553d606783730d89907d92/1649753462937-742CA0SNBIOLD4ORUJY0/TaniaHeadshot.png</image:loc>
      <image:title>About - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/retirement-financial-independence-planning</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-29</lastmod>
  </url>
  <url>
    <loc>https://www.libertylife.co.nz/cashflow-habits-behavioural-coaching</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-29</lastmod>
  </url>
</urlset>

