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		<loc>https://dev.riskeducation.org/insurance-glossary/confidence-interval/</loc>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/contestable-clause/</loc>
		<lastmod>2020-07-23T21:47:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/contestability-period/</loc>
		<lastmod>2020-07-23T21:47:40+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/cdhc/</loc>
		<lastmod>2020-07-23T21:49:59+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/consumer-driven-healthcare/</loc>
		<lastmod>2020-07-23T21:50:59+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/cope/</loc>
		<lastmod>2020-07-23T21:51:27+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/cobra/</loc>
		<lastmod>2020-07-23T21:52:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/consolidated-omnibus-budget-reconciliation-act/</loc>
		<lastmod>2020-07-23T21:52:40+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/conceptual-bidding/</loc>
		<lastmod>2020-07-23T22:00:12+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/conditional-contract/</loc>
		<lastmod>2020-07-23T22:00:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/conditional-receipt/</loc>
		<lastmod>2020-07-23T22:00:39+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/401k-plan/</loc>
		<lastmod>2020-07-23T22:01:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/abandonment/</loc>
		<lastmod>2020-07-23T22:02:49+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/absolute-assignment/</loc>
		<lastmod>2020-07-23T22:03:20+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/absolute-liability/</loc>
		<lastmod>2020-07-23T22:03:46+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/accelerated-death-benefit/</loc>
		<lastmod>2020-07-23T22:04:14+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/accident/</loc>
		<lastmod>2020-07-23T22:04:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/accidental-death-benefit/</loc>
		<lastmod>2020-07-23T22:04:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/accounting/</loc>
		<lastmod>2020-07-23T22:05:14+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/accounting-rate-of-return/</loc>
		<lastmod>2020-07-23T22:05:38+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/accounting-system/</loc>
		<lastmod>2020-07-23T22:06:54+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/accounts-receivable/</loc>
		<lastmod>2020-07-23T22:07:13+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/accumulation-phase/</loc>
		<lastmod>2020-07-23T22:07:34+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/act-of-god/</loc>
		<lastmod>2020-07-23T22:07:57+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/act-of-nature/</loc>
		<lastmod>2020-07-23T22:08:22+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/active-retention/</loc>
		<lastmod>2020-07-23T22:08:40+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/activities-of-daily-living/</loc>
		<lastmod>2020-07-23T22:09:07+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/contributory-negligence/</loc>
		<lastmod>2020-07-24T18:10:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/contributory-plan/</loc>
		<lastmod>2020-07-24T18:11:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/controlling/</loc>
		<lastmod>2020-07-24T18:12:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/convertibility/</loc>
		<lastmod>2020-07-24T18:13:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/actuarial-services/</loc>
		<lastmod>2020-07-24T18:14:02+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/actuary/</loc>
		<lastmod>2020-07-24T18:14:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/acute-care/</loc>
		<lastmod>2020-07-24T18:14:58+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/adl/</loc>
		<lastmod>2020-07-24T18:15:28+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/admitted-assets/</loc>
		<lastmod>2020-07-24T18:15:54+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/admitted-company-or-admitted-insurer/</loc>
		<lastmod>2020-07-24T18:16:17+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/admitted-insurance-company/</loc>
		<lastmod>2020-07-24T18:16:44+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/correlation/</loc>
		<lastmod>2020-07-24T18:45:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/cost-containment/</loc>
		<lastmod>2020-07-24T18:48:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/cost-of-capital/</loc>
		<lastmod>2020-07-24T18:49:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/benchmarking/</loc>
		<lastmod>2020-07-24T19:58:18+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/beneficiary/</loc>
		<lastmod>2020-07-24T19:58:46+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/benefit-level-adjustment-factor/</loc>
		<lastmod>2020-07-24T20:02:31+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/benefit-period/</loc>
		<lastmod>2020-07-24T20:05:57+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/benefit-cost-ratio/</loc>
		<lastmod>2020-07-24T20:06:34+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/binding-authority/</loc>
		<lastmod>2020-07-24T20:06:54+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/bodily-injury/</loc>
		<lastmod>2020-07-24T20:07:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/bond/</loc>
		<lastmod>2020-07-24T20:07:55+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/indirect-loss/</loc>
		<lastmod>2020-07-24T20:14:24+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/construction-occupancy-protection-exposure/</loc>
		<lastmod>2020-07-24T20:23:40+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/insurance-retrospective-rating/</loc>
		<lastmod>2020-07-24T21:21:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/basic-premium-factor/</loc>
		<lastmod>2020-07-24T21:22:30+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/basic-premium/</loc>
		<lastmod>2020-07-24T21:23:20+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/adult-day-care-center/</loc>
		<lastmod>2020-07-24T21:24:11+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/adverse-selection/</loc>
		<lastmod>2020-07-24T21:24:58+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/agency/</loc>
		<lastmod>2020-07-24T21:26:26+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/agency-insurance/</loc>
		<lastmod>2020-07-24T21:27:27+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/agent/</loc>
		<lastmod>2020-07-24T21:28:08+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/aggregate-excess-of-loss/</loc>
		<lastmod>2020-07-24T21:28:48+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/alae/</loc>
		<lastmod>2020-07-24T21:30:14+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/written-premium/</loc>
		<lastmod>2020-07-24T21:42:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/waiver/</loc>
		<lastmod>2020-07-27T00:22:07+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/work-in-progress/</loc>
		<lastmod>2020-07-27T00:23:28+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/weighting-value/</loc>
		<lastmod>2020-07-27T00:24:09+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/whole-life-insurance/</loc>
		<lastmod>2020-07-27T00:25:53+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/working-layer/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/womens-health-and-cancer-rights-act-of-1998-whcra/</loc>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/coordination-of-benefits/</loc>
		<lastmod>2020-07-27T00:28:25+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/copayment/</loc>
		<lastmod>2020-07-27T00:29:10+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/correlation-coefficient/</loc>
		<lastmod>2020-07-27T00:30:30+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/corporation/</loc>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/auditors-opinion-letter/</loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/assumption-of-risk/</loc>
		<lastmod>2020-07-27T19:23:51+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/attending-physician-statements/</loc>
		<lastmod>2020-07-27T19:24:13+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/auto/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/automatic-insureds/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/avoidance/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/b-value/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/backdating/</loc>
		<lastmod>2020-07-27T19:26:18+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/cost-of-goods-sold/</loc>
		<lastmod>2020-07-27T22:32:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/cost-sharing/</loc>
		<lastmod>2020-07-27T22:33:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/cost-of-living-rider/</loc>
		<lastmod>2020-07-27T22:34:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/coverage-ratios/</loc>
		<lastmod>2020-07-27T22:35:14+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/covered-expenses/</loc>
		<lastmod>2020-07-27T22:36:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/credibility/</loc>
		<lastmod>2020-07-27T22:37:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/credit-risk/</loc>
		<lastmod>2020-07-27T22:37:52+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/criminal-law/</loc>
		<lastmod>2020-07-27T22:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/crisis/</loc>
		<lastmod>2020-07-27T22:39:15+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/crisis-management/</loc>
		<lastmod>2020-07-27T22:50:34+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/critical-illness-supplemental-policy/</loc>
		<lastmod>2020-07-27T22:51:45+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/cross-section-analysis/</loc>
		<lastmod>2020-07-27T22:53:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/current-assets/</loc>
		<lastmod>2020-07-27T22:54:07+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/current-liabilities/</loc>
		<lastmod>2020-07-27T22:54:55+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/custodial-care/</loc>
		<lastmod>2020-07-27T22:56:35+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/damages/</loc>
		<lastmod>2020-07-27T22:57:33+00:00</lastmod>
	</url>
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		<loc>https://dev.riskeducation.org/insurance-glossary/dart-rate/</loc>
		<lastmod>2020-07-27T22:58:40+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/death-benefit/</loc>
		<lastmod>2020-07-27T22:59:36+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/decreasing-term-life-insurance/</loc>
		<lastmod>2020-07-27T23:03:07+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/deductible-plan/</loc>
		<lastmod>2020-07-27T23:03:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/deductible-health/</loc>
		<lastmod>2020-07-27T23:04:47+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/deductible-property-and-casual/</loc>
		<lastmod>2020-07-27T23:05:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/deferred-compensation/</loc>
		<lastmod>2020-07-27T23:06:58+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/defined-benefit-plan/</loc>
		<lastmod>2020-07-27T23:08:00+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/db-plan/</loc>
		<lastmod>2020-07-27T23:09:29+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/defined-contribution-plan/</loc>
		<lastmod>2020-07-27T23:10:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/dc-plan/</loc>
		<lastmod>2020-07-27T23:11:16+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/deposit-premium/</loc>
		<lastmod>2020-07-27T23:13:25+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/depreciation-accounting/</loc>
		<lastmod>2020-07-27T23:14:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/depreciation-insurance/</loc>
		<lastmod>2020-07-27T23:15:53+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/development-factor/</loc>
		<lastmod>2020-07-27T23:17:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/direct-loss/</loc>
		<lastmod>2020-07-27T23:18:08+00:00</lastmod>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/disability/</loc>
		<lastmod>2020-07-27T23:27:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/disinterestedness/</loc>
		<lastmod>2020-07-28T16:24:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/double-declining-balance-depreciation/</loc>
		<lastmod>2020-07-28T16:46:46+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/due-care/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/due-diligence/</loc>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/duration-of-benefits/</loc>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/eligibility-requirements/</loc>
		<lastmod>2020-07-28T16:52:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/the-coronavirus-cares-act/</loc>
		<lastmod>2020-07-28T17:10:47+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/covid-19/</loc>
		<lastmod>2020-07-28T17:21:00+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/agency-captive/</loc>
		<lastmod>2020-07-28T17:24:38+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/the-national-alliance-for-insurance-education-research/</loc>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/bailee/</loc>
		<lastmod>2020-07-28T18:23:43+00:00</lastmod>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/bailment/</loc>
		<lastmod>2020-07-28T18:24:04+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/bailor/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/balance-sheet/</loc>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/basic-medical-policy/</loc>
		<lastmod>2020-07-28T18:26:57+00:00</lastmod>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/ballast-value/</loc>
		<lastmod>2020-07-28T18:28:47+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/basic-rate/</loc>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/business-ethics/</loc>
		<lastmod>2020-07-28T18:31:29+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/business-overhead-expense-coverage/</loc>
		<lastmod>2020-07-28T18:32:10+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/cancellable-policy/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/cancellation/</loc>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/captive-expenses/</loc>
		<lastmod>2020-07-28T18:33:45+00:00</lastmod>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/captive-insurer/</loc>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/captive-pool/</loc>
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	<url>
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		<loc>https://dev.riskeducation.org/insurance-glossary/cas/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/case-reserve/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/commutation-right/</loc>
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		<lastmod>2020-07-29T16:22:21+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/elimination-period/</loc>
		<lastmod>2020-07-29T16:45:05+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/emerging-risk/</loc>
		<lastmod>2020-07-29T16:46:56+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/empirical-rule/</loc>
		<lastmod>2020-07-29T16:48:55+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/employee/</loc>
		<lastmod>2020-07-29T16:50:07+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/liquor-liability/</loc>
		<lastmod>2020-07-29T20:51:45+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/dynamics-of-selling/</loc>
		<lastmod>2020-07-30T18:13:18+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/personal-property/</loc>
		<lastmod>2020-07-30T19:47:37+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/resources-magazine/</loc>
		<lastmod>2020-07-30T20:19:14+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/depletion/</loc>
		<lastmod>2020-07-30T20:20:04+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/earned-surplus/</loc>
		<lastmod>2020-07-31T19:24:45+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/effective-date/</loc>
		<lastmod>2020-07-31T19:25:11+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/economic-risk/</loc>
		<lastmod>2020-07-31T19:25:35+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/eps/</loc>
		<lastmod>2020-07-31T19:25:59+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/earnings-per-share/</loc>
		<lastmod>2020-07-31T19:26:16+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/earned-premium/</loc>
		<lastmod>2020-07-31T19:26:49+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/dividend-plan/</loc>
		<lastmod>2020-07-31T19:28:29+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/domestic-insurance-company/</loc>
		<lastmod>2020-07-31T19:28:54+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/doctrine-of-reasonable-expectations/</loc>
		<lastmod>2020-07-31T19:29:10+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/dividends/</loc>
		<lastmod>2020-07-31T19:29:30+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/disability-benefit/</loc>
		<lastmod>2020-07-31T19:30:20+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/directors-and-officers-liability/</loc>
		<lastmod>2020-07-31T19:51:47+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/ELI_front_cover_250x.jpg</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/economic-value/</loc>
		<lastmod>2020-07-31T20:27:09+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/domicile/</loc>
		<lastmod>2020-07-31T20:27:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/domestic-insurer/</loc>
		<lastmod>2020-07-31T20:28:11+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/discounted-losses/</loc>
		<lastmod>2020-07-31T20:29:10+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/discount-ratio/</loc>
		<lastmod>2020-07-31T20:29:37+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/discount-rate/</loc>
		<lastmod>2020-07-31T20:29:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/disappearance/</loc>
		<lastmod>2020-07-31T20:30:20+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/disability-income-insurance/</loc>
		<lastmod>2020-07-31T20:30:41+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/direct-writing-system/</loc>
		<lastmod>2020-07-31T20:31:11+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/direct-response-system/</loc>
		<lastmod>2020-07-31T20:31:38+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/direct-mail-system/</loc>
		<lastmod>2020-07-31T20:31:59+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/employee-benefit-plan/</loc>
		<lastmod>2020-08-03T18:52:44+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/employee-insurance-company/</loc>
		<lastmod>2020-08-03T18:54:24+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/employee-participation/</loc>
		<lastmod>2020-08-03T18:55:51+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/employee-pension-benefit-plan/</loc>
		<lastmod>2020-08-03T18:57:24+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/employee-retirement-income-security-act-of-1974/</loc>
		<lastmod>2020-08-03T18:59:03+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/erisa/</loc>
		<lastmod>2020-08-03T19:00:10+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/employee-welfare-benefit-plan/</loc>
		<lastmod>2020-08-03T19:03:20+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/employer-contribution/</loc>
		<lastmod>2020-08-03T19:04:31+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/endorsement/</loc>
		<lastmod>2020-08-03T19:08:41+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/endowment-life-insurance-contract/</loc>
		<lastmod>2020-08-03T19:10:06+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/entity-purchase/</loc>
		<lastmod>2020-08-03T19:33:46+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/equity-indexed-life-insurance/</loc>
		<lastmod>2020-08-03T19:34:57+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/ergonomics/</loc>
		<lastmod>2020-08-03T19:37:34+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/estate-tax/</loc>
		<lastmod>2020-08-03T19:39:01+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/estimated-premium/</loc>
		<lastmod>2020-08-03T19:40:23+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/estoppel/</loc>
		<lastmod>2020-08-03T19:41:12+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/ethical/</loc>
		<lastmod>2020-08-03T19:42:09+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/ethics/</loc>
		<lastmod>2020-08-03T19:43:11+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/evidence-of-insurability/</loc>
		<lastmod>2020-08-03T19:44:18+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/ex-gratia-payment/</loc>
		<lastmod>2020-08-03T19:46:16+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/excess-insurance/</loc>
		<lastmod>2020-08-03T19:47:28+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/excess-of-loss-resinsurance/</loc>
		<lastmod>2020-08-03T19:48:58+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/excess-per-occurrence/</loc>
		<lastmod>2020-08-03T19:53:52+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/excess-premium/</loc>
		<lastmod>2020-08-03T19:55:00+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/excess-reinsurance/</loc>
		<lastmod>2020-08-03T19:56:26+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/exclusions-from-coverage/</loc>
		<lastmod>2020-08-03T19:58:11+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/exclusive-agency-system/</loc>
		<lastmod>2020-08-03T19:59:24+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/exclusive-provider-organization-system/</loc>
		<lastmod>2020-08-04T17:59:20+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/epo/</loc>
		<lastmod>2020-08-04T18:01:54+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/exculpatory-agreement-or-clause/</loc>
		<lastmod>2020-08-04T18:03:28+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/expected-loss-cuts/</loc>
		<lastmod>2020-08-04T18:05:44+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/expected-loss-rate/</loc>
		<lastmod>2020-08-04T18:10:39+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/elr/</loc>
		<lastmod>2020-08-04T18:11:05+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/expected-losses/</loc>
		<lastmod>2020-08-04T18:31:36+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/expected-mortality/</loc>
		<lastmod>2020-08-04T18:32:50+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/expense-constant/</loc>
		<lastmod>2020-08-04T18:33:52+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/expense-ratio/</loc>
		<lastmod>2020-08-04T18:36:14+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/experience-account/</loc>
		<lastmod>2020-08-04T18:47:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/experience-modifier/</loc>
		<lastmod>2020-08-04T18:48:44+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/experience-rating/</loc>
		<lastmod>2020-08-04T18:49:44+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/experience-based-allocation-method/</loc>
		<lastmod>2020-08-04T18:51:01+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/experienced-mortality/</loc>
		<lastmod>2020-08-04T18:52:09+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/exposure/</loc>
		<lastmod>2020-08-04T18:54:28+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/exposure-based-allocation-method/</loc>
		<lastmod>2020-08-04T19:05:00+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/express-authority/</loc>
		<lastmod>2020-08-04T19:06:21+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/extended-death-benefit/</loc>
		<lastmod>2020-08-04T19:07:35+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/external-financing/</loc>
		<lastmod>2020-08-04T19:08:35+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/face-amount/</loc>
		<lastmod>2020-08-04T19:09:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/facultative-reinsurance/</loc>
		<lastmod>2020-08-04T19:11:58+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/specific-reinsurance/</loc>
		<lastmod>2020-08-04T19:13:36+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/family-and-medical-leave-act-of-1993/</loc>
		<lastmod>2020-08-04T19:24:23+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fmla/</loc>
		<lastmod>2020-08-04T19:25:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/family-member/</loc>
		<lastmod>2020-08-04T19:27:15+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fiduciary/</loc>
		<lastmod>2020-08-04T19:28:27+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/finance/</loc>
		<lastmod>2020-08-04T19:29:43+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/financial-risks/</loc>
		<lastmod>2020-08-04T19:31:03+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/finite-risk-insurance/</loc>
		<lastmod>2020-08-04T19:32:16+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/first-in-first-out/</loc>
		<lastmod>2020-08-04T20:04:14+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/first-in-first-out-2/</loc>
		<lastmod>2020-08-04T20:05:05+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/first-to-die/</loc>
		<lastmod>2020-08-07T14:11:22+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fixed-assets/</loc>
		<lastmod>2020-08-07T14:12:33+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fixed-benefit/</loc>
		<lastmod>2020-08-07T14:13:27+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fixed-cost/</loc>
		<lastmod>2020-08-07T14:14:48+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fixed-amount-installments/</loc>
		<lastmod>2020-08-07T14:16:47+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fixed-period-installments/</loc>
		<lastmod>2020-08-07T14:19:17+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fixed-term-life-insurance/</loc>
		<lastmod>2020-08-07T14:21:15+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/flexible-premium-variable-life/</loc>
		<lastmod>2020-08-07T14:22:54+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/force-majeure/</loc>
		<lastmod>2020-08-07T14:24:30+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/foreign-insurer/</loc>
		<lastmod>2020-08-07T14:26:28+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fortuitous-event/</loc>
		<lastmod>2020-08-07T14:27:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/frame-construction/</loc>
		<lastmod>2020-08-07T14:30:24+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fraud/</loc>
		<lastmod>2020-08-07T14:31:43+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/free-look/</loc>
		<lastmod>2020-08-07T14:32:50+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/frequency/</loc>
		<lastmod>2020-08-07T14:34:12+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fronting/</loc>
		<lastmod>2020-08-07T14:35:40+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fully-insured-plan/</loc>
		<lastmod>2020-08-07T14:36:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fully-self-insured/</loc>
		<lastmod>2020-08-07T14:38:21+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/fully-self-insured-plan/</loc>
		<lastmod>2020-08-07T14:40:00+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/functional-replacement-cost/</loc>
		<lastmod>2020-08-07T14:41:45+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/funded-reserves/</loc>
		<lastmod>2020-08-07T14:42:43+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/future-value/</loc>
		<lastmod>2020-08-07T14:44:06+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/general-damages/</loc>
		<lastmod>2020-08-07T14:46:13+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/general-partnership/</loc>
		<lastmod>2020-08-07T14:47:44+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/generally-accepted-accounting-principles/</loc>
		<lastmod>2020-08-07T14:49:50+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/gaap/</loc>
		<lastmod>2020-08-07T14:50:55+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/good-faith/</loc>
		<lastmod>2020-08-07T14:52:19+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/goodwill/</loc>
		<lastmod>2020-08-07T14:54:08+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/government-accounting/</loc>
		<lastmod>2020-08-07T14:55:39+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/grace-period/</loc>
		<lastmod>2020-08-07T14:56:43+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/graded-death-benefits/</loc>
		<lastmod>2020-08-07T14:57:52+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/gross-premium/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/hazard/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/health-insurance-portability-and-accountability-act-of-1996/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/hdhp/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/hospice/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/hurdle-rate/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/indemnification-agreement/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/indemnify/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/indemnitor/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/indemnity/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/individual-retirement-arrangement/</loc>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/ira/</loc>
		<lastmod>2020-08-12T21:29:21+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/microschool/</loc>
		<lastmod>2020-08-14T00:37:30+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/insurance-broker-2/</loc>
		<lastmod>2020-08-16T01:36:06+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/indexed-ultimate-total-loss/</loc>
		<lastmod>2020-08-17T20:23:28+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/pandemic-pods/</loc>
		<lastmod>2020-08-18T14:53:14+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/08/Pandemic-Pods.jpg</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/enterprise-risk-management/</loc>
		<lastmod>2020-08-18T19:34:32+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/erm/</loc>
		<lastmod>2020-08-18T19:36:43+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/asset/</loc>
		<lastmod>2020-08-19T17:53:13+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/d-ratio/</loc>
		<lastmod>2020-08-25T21:46:20+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/debt-to-equity-ratio/</loc>
		<lastmod>2020-08-25T21:46:59+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/debt-ratio/</loc>
		<lastmod>2020-08-25T21:48:02+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/current-ratio/</loc>
		<lastmod>2020-08-25T21:48:39+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/certified-insurance-counselor-cic/</loc>
		<lastmod>2020-09-16T15:14:51+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/written-premium-2/</loc>
		<lastmod>2020-09-16T15:45:51+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/inventory-that-is-in-the-process-of-being-manufactured-or-worked-upon/</loc>
		<lastmod>2020-09-16T16:01:06+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/working-layer-2/</loc>
		<lastmod>2020-09-16T16:05:17+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/inflation-index-factor/</loc>
		<lastmod>2020-09-16T16:08:14+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/womens-health-and-cancer-rights-act-of-1998-whcra-2/</loc>
		<lastmod>2020-09-16T16:09:43+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/inflation-protection/</loc>
		<lastmod>2020-09-16T16:13:46+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/injunction/</loc>
		<lastmod>2020-09-16T16:37:15+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/insurability/</loc>
		<lastmod>2020-09-16T16:39:16+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/insurable-interest/</loc>
		<lastmod>2020-09-16T16:42:25+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/insurance-agent/</loc>
		<lastmod>2020-09-16T16:45:25+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/insurance-carrier/</loc>
		<lastmod>2020-09-16T16:47:11+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/insured/</loc>
		<lastmod>2020-09-16T16:50:48+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/insurer/</loc>
		<lastmod>2020-09-16T16:52:05+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/intellectual-property/</loc>
		<lastmod>2020-09-16T16:53:13+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/intentional-act/</loc>
		<lastmod>2020-09-16T16:55:25+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/internal-financing/</loc>
		<lastmod>2020-09-16T16:57:18+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/internal-rate-of-return-irr/</loc>
		<lastmod>2020-09-16T16:58:25+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/internet/</loc>
		<lastmod>2020-09-16T17:00:15+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/investment-income/</loc>
		<lastmod>2020-09-16T17:01:19+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/irrevocable-beneficiary/</loc>
		<lastmod>2020-09-16T17:02:57+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/issue-date/</loc>
		<lastmod>2020-09-16T17:07:36+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/joint-and-several-liability/</loc>
		<lastmod>2020-09-16T17:09:06+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/joint-venture/</loc>
		<lastmod>2020-09-16T17:10:31+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/joint-life-and-survivorship-annuity/</loc>
		<lastmod>2020-09-16T17:14:32+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/joint-life-annuity/</loc>
		<lastmod>2020-09-16T17:16:04+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/joisted-masonry-construction/</loc>
		<lastmod>2020-09-16T17:17:08+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/judgement-rate/</loc>
		<lastmod>2020-09-16T17:18:20+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/juridical-risk/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/kurtosis/</loc>
		<lastmod>2020-09-16T17:21:19+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/wide-area-network/</loc>
		<lastmod>2020-09-16T19:12:21+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/whole-life-insurance-2/</loc>
		<lastmod>2020-09-16T19:14:50+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/weighting-value-2/</loc>
		<lastmod>2020-09-16T19:16:45+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/weighted-average-cost-of-capital-wacc/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/weighted-average/</loc>
		<lastmod>2020-09-16T19:19:53+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/warranty/</loc>
		<lastmod>2020-09-16T19:21:15+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/waiver-of-premium/</loc>
		<lastmod>2020-09-16T19:22:22+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/waiver-2/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/waiver-3/</loc>
		<lastmod>2020-09-16T19:24:49+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/voluntary-regulations/</loc>
		<lastmod>2020-09-16T22:50:21+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/viatical/</loc>
		<lastmod>2020-09-16T22:51:36+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/vesting/</loc>
		<lastmod>2020-09-16T22:52:30+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/variance/</loc>
		<lastmod>2020-09-16T22:53:28+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/variable-life-insurance/</loc>
		<lastmod>2020-09-16T22:54:20+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/variable-annuity/</loc>
		<lastmod>2020-09-16T22:55:23+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/valued-policy/</loc>
		<lastmod>2020-09-16T22:56:58+00:00</lastmod>
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		<loc>https://dev.riskeducation.org/insurance-glossary/valuation-date/</loc>
		<lastmod>2020-09-16T22:58:02+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/vacancy/</loc>
		<lastmod>2020-09-16T22:58:55+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/lapse/</loc>
		<lastmod>2020-09-17T20:24:02+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/last-in-first-out/</loc>
		<lastmod>2020-09-17T20:25:09+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/law-of-large-numbers/</loc>
		<lastmod>2020-09-17T20:26:10+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/layering/</loc>
		<lastmod>2020-09-17T20:28:09+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/leading/</loc>
		<lastmod>2020-09-17T20:29:00+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/legal-risk/</loc>
		<lastmod>2020-09-17T20:29:57+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/level-death-benefit-option/</loc>
		<lastmod>2020-09-17T20:30:57+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/level-premium-insurance/</loc>
		<lastmod>2020-09-17T20:31:45+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/level-term-insurance/</loc>
		<lastmod>2020-09-17T20:32:43+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/leverage/</loc>
		<lastmod>2020-09-17T20:33:40+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/liability/</loc>
		<lastmod>2020-09-17T20:34:42+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/life-expectancy/</loc>
		<lastmod>2020-09-17T20:35:37+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/life-expectancy-term-insurance/</loc>
		<lastmod>2020-09-17T20:36:35+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/life-income/</loc>
		<lastmod>2020-09-17T20:37:28+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/life-insurance-generic/</loc>
		<lastmod>2020-09-17T20:38:22+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/lifetime-unlimited-benefit/</loc>
		<lastmod>2020-09-17T20:39:19+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/lifetime-maximum/</loc>
		<lastmod>2020-09-17T20:40:15+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/limit-of-liability-clause/</loc>
		<lastmod>2020-09-17T20:41:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/limitations/</loc>
		<lastmod>2020-09-17T20:42:23+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/limited-liability-company/</loc>
		<lastmod>2020-09-17T20:43:14+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/limited-partnership/</loc>
		<lastmod>2020-09-17T20:47:12+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/limited-payment-life/</loc>
		<lastmod>2020-09-17T20:48:09+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/liquidated-damages-clause/</loc>
		<lastmod>2020-09-17T20:49:11+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/liquidity/</loc>
		<lastmod>2020-09-17T20:50:17+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/liquidity-ratios/</loc>
		<lastmod>2020-09-17T20:51:11+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/living-benefits-rider/</loc>
		<lastmod>2020-09-17T20:52:13+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/lloyds-of-london/</loc>
		<lastmod>2020-09-17T20:53:22+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loan-value/</loc>
		<lastmod>2020-09-17T20:54:15+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/local-area-network-lan/</loc>
		<lastmod>2020-09-17T20:55:34+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/long-term-care/</loc>
		<lastmod>2020-09-17T20:56:20+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/long-term-care-coordinator-or-care-manager/</loc>
		<lastmod>2020-09-17T20:57:13+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/long-term-care-daily-benefit-amount/</loc>
		<lastmod>2020-09-17T20:58:01+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/long-term-care-maximum-benefit-period/</loc>
		<lastmod>2020-09-17T20:58:54+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/long-term-debt/</loc>
		<lastmod>2020-09-17T20:59:49+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/long-term-liabilities/</loc>
		<lastmod>2020-09-17T21:01:57+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss/</loc>
		<lastmod>2020-09-17T21:02:45+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-control/</loc>
		<lastmod>2020-09-17T21:04:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-conversion-factor/</loc>
		<lastmod>2020-09-17T21:05:46+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-data-analysis/</loc>
		<lastmod>2020-09-17T21:06:31+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-development/</loc>
		<lastmod>2020-09-17T21:07:18+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-development-factor-ldf/</loc>
		<lastmod>2020-09-17T21:08:16+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-forecasting/</loc>
		<lastmod>2020-09-17T21:09:07+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-limit/</loc>
		<lastmod>2020-09-17T21:09:51+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-portfolio-transfers-lpt/</loc>
		<lastmod>2020-09-17T21:10:40+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-rating/</loc>
		<lastmod>2020-09-17T21:11:30+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-ratio/</loc>
		<lastmod>2020-09-17T21:12:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-report/</loc>
		<lastmod>2020-09-17T21:13:15+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-reserve/</loc>
		<lastmod>2020-09-17T21:14:06+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-retention/</loc>
		<lastmod>2020-09-17T21:14:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-trending/</loc>
		<lastmod>2020-09-17T21:15:43+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/loss-triangulation/</loc>
		<lastmod>2020-09-17T21:16:40+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/lump-sum/</loc>
		<lastmod>2020-09-17T21:17:48+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/major-medical-policy/</loc>
		<lastmod>2020-09-17T21:20:58+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/managed-care-plan/</loc>
		<lastmod>2020-09-17T21:21:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/managed-indemnity-plan/</loc>
		<lastmod>2020-09-17T21:22:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/managerial-accounting/</loc>
		<lastmod>2020-09-17T21:23:47+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/managerial-model/</loc>
		<lastmod>2020-09-17T21:24:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/managing-general-agent-mga/</loc>
		<lastmod>2020-09-17T21:25:23+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/manual-rates/</loc>
		<lastmod>2020-09-17T21:26:23+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/market-ratios/</loc>
		<lastmod>2020-09-17T21:29:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/market-value/</loc>
		<lastmod>2020-09-17T21:30:31+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/market-book-ratio/</loc>
		<lastmod>2020-09-17T21:31:53+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/marketable-securities/</loc>
		<lastmod>2020-09-17T21:32:43+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/masonry-noncombustible-construction/</loc>
		<lastmod>2020-09-17T21:33:38+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/mass-marketing/</loc>
		<lastmod>2020-09-17T21:34:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/maturity/</loc>
		<lastmod>2020-09-17T21:35:08+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/maturity-value/</loc>
		<lastmod>2020-09-17T21:36:17+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/maximum-possible-loss/</loc>
		<lastmod>2020-09-17T21:37:09+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/maximum-premium/</loc>
		<lastmod>2020-09-17T21:38:05+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/maximum-probable-loss/</loc>
		<lastmod>2020-09-17T21:39:13+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/maximum-retrospective-premium-factor/</loc>
		<lastmod>2020-09-17T21:40:12+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/mean/</loc>
		<lastmod>2020-09-17T21:42:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/measure-of-central-tendency/</loc>
		<lastmod>2020-09-17T21:43:21+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/measure-of-dispersion/</loc>
		<lastmod>2020-09-17T21:45:08+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/median/</loc>
		<lastmod>2020-09-17T21:45:55+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/medical-information-bureau-mib/</loc>
		<lastmod>2020-09-17T21:47:34+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/medical-savings-account-msa/</loc>
		<lastmod>2020-09-17T21:48:19+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/medicare/</loc>
		<lastmod>2020-09-17T21:49:05+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/medicare-supplement-insurance/</loc>
		<lastmod>2020-09-17T21:52:58+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/mental-health-parity-act-of-1996-mhpa-as-amended-by-the-mental-health-parity-and-addiction-equity-act-of-2008-mhpae/</loc>
		<lastmod>2020-09-17T21:53:58+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/merger/</loc>
		<lastmod>2020-09-17T21:54:55+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/mini-med-policy/</loc>
		<lastmod>2020-09-17T21:57:43+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/minimum-life-insurance-premium/</loc>
		<lastmod>2020-09-17T21:58:34+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/minimum-premium/</loc>
		<lastmod>2020-09-17T21:59:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/minimum-premium-plan-mpp/</loc>
		<lastmod>2020-09-17T22:00:22+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/minimum-retrospective-premium-factor/</loc>
		<lastmod>2020-09-17T22:01:13+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/mini-tail/</loc>
		<lastmod>2020-09-17T22:02:04+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/misrepresentations/</loc>
		<lastmod>2020-09-17T22:02:57+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/mitigation-of-damages/</loc>
		<lastmod>2020-09-17T22:04:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/mixed-model-hmo/</loc>
		<lastmod>2020-09-17T22:05:18+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/mode/</loc>
		<lastmod>2020-09-17T22:06:06+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/modified-accelerated-cost-recovery-system-macrs/</loc>
		<lastmod>2020-09-17T22:06:52+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/monitoring/</loc>
		<lastmod>2020-09-17T22:07:45+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/moral-hazard/</loc>
		<lastmod>2020-09-17T22:08:30+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/morale-hazard/</loc>
		<lastmod>2020-09-17T22:09:17+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/morbidity/</loc>
		<lastmod>2020-09-17T22:12:19+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/mortality/</loc>
		<lastmod>2020-09-17T22:13:08+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/mutual-company/</loc>
		<lastmod>2020-09-17T22:13:57+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/national-council-on-compensation-insurance-ncci/</loc>
		<lastmod>2020-09-17T22:19:21+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/negligence/</loc>
		<lastmod>2020-09-17T22:20:16+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/net-book-value/</loc>
		<lastmod>2020-09-17T22:21:02+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/net-ceded-premium/</loc>
		<lastmod>2020-09-17T22:21:45+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/net-income/</loc>
		<lastmod>2020-09-17T22:22:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/net-income-margin-as-a-percentage-of-sales/</loc>
		<lastmod>2020-09-17T22:23:19+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/net-present-value-npv/</loc>
		<lastmod>2020-09-17T22:24:08+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/net-present-value-cost-benefit-analysis/</loc>
		<lastmod>2020-09-17T22:25:01+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/net-profit-margin/</loc>
		<lastmod>2020-09-17T22:25:46+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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		<loc>https://dev.riskeducation.org/insurance-glossary/net-underwriting-income/</loc>
		<lastmod>2020-09-17T22:26:52+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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		<loc>https://dev.riskeducation.org/insurance-glossary/net-working-capital/</loc>
		<lastmod>2020-09-17T22:27:38+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/net-worth/</loc>
		<lastmod>2020-09-17T22:28:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/network-model-hmo/</loc>
		<lastmod>2020-09-17T22:29:37+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/newborns-and-mothers-health-protection-act-of-1996-nmhpa/</loc>
		<lastmod>2020-09-17T22:30:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/no-abuse-of-discretion/</loc>
		<lastmod>2020-09-17T22:31:12+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/noise/</loc>
		<lastmod>2020-09-17T22:32:00+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/no-load-policy/</loc>
		<lastmod>2020-09-17T22:34:47+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/non-admitted-asset/</loc>
		<lastmod>2020-09-17T22:35:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/non-admitted-insurer/</loc>
		<lastmod>2020-09-17T22:36:47+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/non-cancelable/</loc>
		<lastmod>2020-09-17T22:37:45+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/noncombustible-construction/</loc>
		<lastmod>2020-09-17T22:38:39+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/non-concurrency/</loc>
		<lastmod>2020-09-17T22:40:10+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/non-contributory-plan/</loc>
		<lastmod>2020-09-17T22:40:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/non-economic-loss/</loc>
		<lastmod>2020-09-17T22:42:16+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/non-forfeiture-benefit-options/</loc>
		<lastmod>2020-09-17T22:43:29+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/non-insurance-contractual-transfer/</loc>
		<lastmod>2020-09-17T22:44:18+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/non-insurance-risk-transfer/</loc>
		<lastmod>2020-09-17T22:45:04+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/non-ledger-assets/</loc>
		<lastmod>2020-09-17T22:45:47+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/non-qualified-self-insurance-plans/</loc>
		<lastmod>2020-09-17T22:46:39+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/non-renewal/</loc>
		<lastmod>2020-09-17T22:47:31+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/non-subject-premium/</loc>
		<lastmod>2020-09-17T22:48:16+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/non-waiver-agreement/</loc>
		<lastmod>2020-09-17T22:49:00+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/normal-distribution/</loc>
		<lastmod>2020-09-17T22:49:39+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/notes-to-the-financial-statement/</loc>
		<lastmod>2020-09-17T22:50:29+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/nuisance-value/</loc>
		<lastmod>2020-09-17T22:51:17+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/nursing-home/</loc>
		<lastmod>2020-09-17T22:52:11+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/obligee/</loc>
		<lastmod>2020-09-18T16:17:06+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/obligor/</loc>
		<lastmod>2020-09-18T16:17:43+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/occupancy/</loc>
		<lastmod>2020-09-18T16:19:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/occupying/</loc>
		<lastmod>2020-09-18T16:20:11+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/occurrence/</loc>
		<lastmod>2020-09-18T16:20:59+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/occurrence-2/</loc>
		<lastmod>2020-09-18T16:21:47+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/off-shore-insurer/</loc>
		<lastmod>2020-09-18T16:22:37+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/open-enrollment-period/</loc>
		<lastmod>2020-09-18T16:23:22+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/open-panel-hmo-model/</loc>
		<lastmod>2020-09-18T16:24:08+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/operating-income/</loc>
		<lastmod>2020-09-18T16:25:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/operating-income-as-a-percentage-of-sales/</loc>
		<lastmod>2020-09-18T16:26:16+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/operational-risks/</loc>
		<lastmod>2020-09-18T16:27:04+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/organizing/</loc>
		<lastmod>2020-09-18T16:27:55+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/outlier/</loc>
		<lastmod>2020-09-18T16:29:31+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/out-of-pocket-maximum/</loc>
		<lastmod>2020-09-18T16:30:19+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/outstanding-losses/</loc>
		<lastmod>2020-09-18T16:31:04+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/own-occupation/</loc>
		<lastmod>2020-09-18T16:31:44+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/owner/</loc>
		<lastmod>2020-09-18T16:32:30+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/owners-equity/</loc>
		<lastmod>2020-09-18T16:33:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/paid-loss-retrospective-rating-plan/</loc>
		<lastmod>2020-09-18T16:38:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/paid-losses/</loc>
		<lastmod>2020-09-18T16:40:39+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/paid-in-capital/</loc>
		<lastmod>2020-09-18T16:41:31+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/paid-in-excess/</loc>
		<lastmod>2020-09-18T16:42:20+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/paid-up-life-insurance-policy/</loc>
		<lastmod>2020-09-18T16:44:01+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/pareto-principle/</loc>
		<lastmod>2020-09-18T16:45:27+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/parole-evidence/</loc>
		<lastmod>2020-09-18T16:46:16+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/partial-disability/</loc>
		<lastmod>2020-09-18T16:47:23+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/partially-self-insured-plan/</loc>
		<lastmod>2020-09-18T16:48:17+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/participating-life-insurance-policy/</loc>
		<lastmod>2020-09-18T16:49:04+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/party-in-interest-transaction/</loc>
		<lastmod>2020-09-18T16:50:36+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/passive-retention/</loc>
		<lastmod>2020-09-18T16:51:31+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/patient-protection-and-affordable-care-act-ppaca-also-known-as-healthcare-reform/</loc>
		<lastmod>2020-09-18T16:52:18+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/payback/</loc>
		<lastmod>2020-09-18T16:53:10+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/payout-profile/</loc>
		<lastmod>2020-09-18T16:53:57+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/peril/</loc>
		<lastmod>2020-09-18T16:55:34+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/period-certain/</loc>
		<lastmod>2020-09-18T16:56:21+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/periodic-inventory-accounting-system/</loc>
		<lastmod>2020-09-18T16:57:15+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/permanent-life-insurance/</loc>
		<lastmod>2020-09-18T16:58:13+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/perpetual-inventory-accounting-system/</loc>
		<lastmod>2020-09-18T16:59:06+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/personal-property-2/</loc>
		<lastmod>2020-09-18T17:00:12+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/physical-risks/</loc>
		<lastmod>2020-09-18T17:01:06+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/physician-hospital-organization-pho-system/</loc>
		<lastmod>2020-09-18T17:01:51+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/plaintiff/</loc>
		<lastmod>2020-09-18T17:02:33+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/planning/</loc>
		<lastmod>2020-09-18T17:03:21+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/point-of-service-plans-pos-system/</loc>
		<lastmod>2020-09-18T17:04:07+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/policy-limits/</loc>
		<lastmod>2020-09-18T17:04:49+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/policy-loan/</loc>
		<lastmod>2020-09-18T17:05:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/policy-owner/</loc>
		<lastmod>2020-09-18T17:06:20+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/policy-territory/</loc>
		<lastmod>2020-09-18T17:07:28+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/policy-period/</loc>
		<lastmod>2020-09-18T17:08:30+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/political-risk/</loc>
		<lastmod>2020-09-18T17:09:13+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/pooling/</loc>
		<lastmod>2020-09-18T17:10:27+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/population/</loc>
		<lastmod>2020-09-18T17:11:14+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/pre-admission-certification/</loc>
		<lastmod>2020-09-18T17:11:54+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/pre-admission-review-par/</loc>
		<lastmod>2020-09-18T17:12:48+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/pre-existing-condition-limitation/</loc>
		<lastmod>2020-09-18T17:13:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/preferred-provider-organization-ppo-system/</loc>
		<lastmod>2020-09-18T17:14:17+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/preferred-stock/</loc>
		<lastmod>2020-09-18T17:15:02+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/premium/</loc>
		<lastmod>2020-09-18T17:15:43+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/premium-discount/</loc>
		<lastmod>2020-09-18T17:16:29+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/premium-equivalent/</loc>
		<lastmod>2020-09-18T17:17:15+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/present-value/</loc>
		<lastmod>2020-09-18T17:18:11+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/presumptive-disability/</loc>
		<lastmod>2020-09-18T17:18:57+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/price-earnings-ratio-p-e-ratio/</loc>
		<lastmod>2020-09-18T17:19:40+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/primary-actual-losses/</loc>
		<lastmod>2020-09-18T17:20:23+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/primary-beneficiary/</loc>
		<lastmod>2020-09-18T17:21:12+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/primary-care-physician-pcp/</loc>
		<lastmod>2020-09-18T17:22:08+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/principal/</loc>
		<lastmod>2020-09-18T17:22:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/private-law/</loc>
		<lastmod>2020-09-18T17:23:37+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/pro-rata-reinsurance-proportional/</loc>
		<lastmod>2020-09-18T17:24:24+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/probability/</loc>
		<lastmod>2020-09-18T17:25:13+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/probable-maximum-loss-pml/</loc>
		<lastmod>2020-09-18T17:26:05+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/probate/</loc>
		<lastmod>2020-09-18T17:26:54+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/profitability-ratios/</loc>
		<lastmod>2020-09-18T17:27:36+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/promissory-estoppel/</loc>
		<lastmod>2020-09-18T17:28:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/property-damage/</loc>
		<lastmod>2020-09-18T17:29:09+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/pro-rata-reinsurance/</loc>
		<lastmod>2020-09-18T17:30:35+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/prospective-contracts/</loc>
		<lastmod>2020-09-18T17:31:18+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/protected-cell-company-pcc/</loc>
		<lastmod>2020-09-18T17:32:03+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/protection/</loc>
		<lastmod>2020-09-18T17:32:47+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/public-adjuster/</loc>
		<lastmod>2020-09-18T17:33:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/punitive-damages/</loc>
		<lastmod>2020-09-18T17:34:06+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/pure-loss-ratio/</loc>
		<lastmod>2020-09-18T17:34:55+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/pure-risk/</loc>
		<lastmod>2020-09-18T17:35:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/qualified-medical-expenses-qme/</loc>
		<lastmod>2020-09-18T17:42:02+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/qualified-plan/</loc>
		<lastmod>2020-09-18T17:42:47+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/qualified-self-insurance/</loc>
		<lastmod>2020-09-18T17:43:29+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/qualitative-analysis/</loc>
		<lastmod>2020-09-18T17:45:36+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/quantitative-analysis/</loc>
		<lastmod>2020-09-18T17:46:28+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/quick-ratio/</loc>
		<lastmod>2020-09-18T17:47:13+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/quid-pro-quo/</loc>
		<lastmod>2020-09-18T17:48:03+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/quota-share-reinsurance/</loc>
		<lastmod>2020-09-18T17:49:02+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/range/</loc>
		<lastmod>2020-09-21T15:55:55+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/rate-class/</loc>
		<lastmod>2020-09-21T15:56:42+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/real-property/</loc>
		<lastmod>2020-09-21T16:00:20+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/reciprocal/</loc>
		<lastmod>2020-09-21T16:01:11+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/recurring-disability/</loc>
		<lastmod>2020-09-21T16:01:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/recusal/</loc>
		<lastmod>2020-09-21T16:02:41+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/reduction-loss-control/</loc>
		<lastmod>2020-09-21T16:03:38+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/reformation/</loc>
		<lastmod>2020-09-21T16:04:36+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/regression/</loc>
		<lastmod>2020-09-21T16:08:29+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/reinstatement/</loc>
		<lastmod>2020-09-21T16:09:27+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/reinsurance/</loc>
		<lastmod>2020-09-21T16:10:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/reinsurance-2/</loc>
		<lastmod>2020-09-21T16:11:27+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/reinsurance-3/</loc>
		<lastmod>2020-09-21T16:12:44+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/reinsurance-ceded/</loc>
		<lastmod>2020-09-21T16:13:35+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/reinsurer/</loc>
		<lastmod>2020-09-21T16:14:15+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/renewable-term-life-insurance/</loc>
		<lastmod>2020-09-21T16:17:02+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/rent-a-captive/</loc>
		<lastmod>2020-09-21T16:18:15+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/replacement-cost/</loc>
		<lastmod>2020-09-21T16:20:24+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/request-for-proposal-rfp/</loc>
		<lastmod>2020-09-21T16:21:18+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/required-rate-of-return/</loc>
		<lastmod>2020-09-21T16:24:06+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/res-judicata/</loc>
		<lastmod>2020-09-21T16:25:51+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/reservation-of-rights/</loc>
		<lastmod>2020-09-21T16:26:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/reserve/</loc>
		<lastmod>2020-09-21T16:27:06+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/residual-income/</loc>
		<lastmod>2020-09-21T16:27:52+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/residual-disability/</loc>
		<lastmod>2020-09-21T16:29:09+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/residual-market-load-rml/</loc>
		<lastmod>2020-09-21T16:29:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/respite-care/</loc>
		<lastmod>2020-09-21T16:30:37+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/retained-earnings/</loc>
		<lastmod>2020-09-21T16:31:17+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/retention/</loc>
		<lastmod>2020-09-21T16:31:59+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/retention-2/</loc>
		<lastmod>2020-09-21T16:32:44+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/retention-level/</loc>
		<lastmod>2020-09-21T16:33:36+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/retention-transfer-diagram/</loc>
		<lastmod>2020-09-21T16:34:37+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/retro-adjustment/</loc>
		<lastmod>2020-09-21T16:35:21+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/retrocession/</loc>
		<lastmod>2020-09-21T16:36:08+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/retrospective-contracts/</loc>
		<lastmod>2020-09-21T16:36:52+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/retrospective-rating/</loc>
		<lastmod>2020-09-21T16:37:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/return-of-premium-rider/</loc>
		<lastmod>2020-09-21T16:39:09+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/return-on-assets-roa/</loc>
		<lastmod>2020-09-21T16:39:49+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/return-on-equity-roe/</loc>
		<lastmod>2020-09-21T16:41:05+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/return-on-investment-roi/</loc>
		<lastmod>2020-09-21T16:41:47+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/revocable-beneficiary/</loc>
		<lastmod>2020-09-21T16:42:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/rider/</loc>
		<lastmod>2020-09-21T16:43:06+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk/</loc>
		<lastmod>2020-09-21T16:44:08+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-2/</loc>
		<lastmod>2020-09-21T16:45:03+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-mapping/</loc>
		<lastmod>2020-09-21T16:45:43+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-administration/</loc>
		<lastmod>2020-09-21T16:46:24+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-analysis/</loc>
		<lastmod>2020-09-21T16:48:30+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-appetite/</loc>
		<lastmod>2020-09-21T16:49:28+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-control/</loc>
		<lastmod>2020-09-21T16:50:23+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-duplication/</loc>
		<lastmod>2020-09-21T16:51:03+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-financing/</loc>
		<lastmod>2020-09-21T16:51:44+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-identification/</loc>
		<lastmod>2020-09-21T16:52:55+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-management/</loc>
		<lastmod>2020-09-21T16:53:43+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-management-2/</loc>
		<lastmod>2020-09-21T16:55:49+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-management-information-system-rmis/</loc>
		<lastmod>2020-09-21T16:56:48+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-management-mission-statement/</loc>
		<lastmod>2020-09-21T16:57:50+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-management-policy-statement/</loc>
		<lastmod>2020-09-21T16:58:38+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-management-standard-operating-procedures-manual/</loc>
		<lastmod>2020-09-21T17:02:13+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-management-stewardship-report/</loc>
		<lastmod>2020-09-21T17:03:01+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-prevention/</loc>
		<lastmod>2020-09-21T17:04:44+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-profiling/</loc>
		<lastmod>2020-09-21T17:05:23+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-purchasing-group/</loc>
		<lastmod>2020-09-21T17:06:11+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/risk-quantification/</loc>
		<lastmod>2020-09-21T17:07:04+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/risk-reduction/</loc>
		<lastmod>2020-09-21T17:09:12+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/risk-retention/</loc>
		<lastmod>2020-09-21T17:09:45+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-retention-group/</loc>
		<lastmod>2020-09-21T17:11:45+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-segregation/</loc>
		<lastmod>2020-09-21T17:12:28+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/risk-separation/</loc>
		<lastmod>2020-09-21T17:14:11+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/risk-transfer/</loc>
		<lastmod>2020-09-21T17:14:55+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/risk-volatility/</loc>
		<lastmod>2020-09-21T17:16:06+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/risk-taking-ability/</loc>
		<lastmod>2020-09-21T17:16:49+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/robbery/</loc>
		<lastmod>2020-09-21T17:17:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/roth-ira/</loc>
		<lastmod>2020-09-21T17:18:06+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/salvage/</loc>
		<lastmod>2020-09-21T18:00:08+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/salvage-2/</loc>
		<lastmod>2020-09-21T18:01:05+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/sample/</loc>
		<lastmod>2020-09-21T18:01:57+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/savings-clause/</loc>
		<lastmod>2020-09-21T18:03:15+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/utmost-good-faith/</loc>
		<lastmod>2020-09-21T18:04:51+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/utilization-review/</loc>
		<lastmod>2020-09-21T18:05:43+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/usual-customary-and-reasonable-charges/</loc>
		<lastmod>2020-09-21T18:06:31+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/unoccupancy/</loc>
		<lastmod>2020-09-21T18:07:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/universal-life-insurance/</loc>
		<lastmod>2020-09-21T18:08:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/units-of-production/</loc>
		<lastmod>2020-09-21T18:12:07+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/uniformed-services-employment-and-reemployment-rights-act-of-1994-userra/</loc>
		<lastmod>2020-09-21T18:12:57+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/unfunded-reserves/</loc>
		<lastmod>2020-09-21T18:13:45+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/unearned-premium/</loc>
		<lastmod>2020-09-21T18:14:31+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/underwriting-profit-loss/</loc>
		<lastmod>2020-09-21T18:15:24+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/underwriting-expenses/</loc>
		<lastmod>2020-09-21T18:16:11+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/underwriting/</loc>
		<lastmod>2020-09-21T18:16:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/underwriting-2/</loc>
		<lastmod>2020-09-21T18:17:40+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/unallocated-loss-adjustment-expense-ulae/</loc>
		<lastmod>2020-09-21T18:18:33+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/ultimate-total-loss/</loc>
		<lastmod>2020-09-21T18:19:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/ultimate-losses/</loc>
		<lastmod>2020-09-21T18:20:08+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/two-tier-annuities/</loc>
		<lastmod>2020-09-21T18:21:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/trust/</loc>
		<lastmod>2020-09-21T18:22:16+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/trend-factor/</loc>
		<lastmod>2020-09-21T18:23:00+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/treaty-reinsurance/</loc>
		<lastmod>2020-09-21T18:23:51+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/treaty/</loc>
		<lastmod>2020-09-21T18:24:39+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/transportation-cause-of-loss/</loc>
		<lastmod>2020-09-21T18:25:32+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/transfer/</loc>
		<lastmod>2020-09-21T18:26:21+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/total-loss-ratio/</loc>
		<lastmod>2020-09-21T18:28:00+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/total-incurred-losses/</loc>
		<lastmod>2020-09-21T18:29:05+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/total-cost-of-risk-allocation-system/</loc>
		<lastmod>2020-09-21T18:30:07+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/total-cost-of-risk-tcor/</loc>
		<lastmod>2020-09-21T18:30:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/tort/</loc>
		<lastmod>2020-09-21T18:31:38+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/tort-2/</loc>
		<lastmod>2020-09-21T18:32:22+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/top-down-pricing/</loc>
		<lastmod>2020-09-21T18:33:05+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/tolerance-corrido/</loc>
		<lastmod>2020-09-21T18:33:44+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/time-value-of-money/</loc>
		<lastmod>2020-09-21T18:34:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/time-series-analysis/</loc>
		<lastmod>2020-09-21T18:35:18+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/time-interest-earned-tie/</loc>
		<lastmod>2020-09-21T18:36:03+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/third-party-administrator-tpa/</loc>
		<lastmod>2020-09-21T18:37:13+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/third-party-administrator-tpa-2/</loc>
		<lastmod>2020-09-21T18:37:53+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/theft/</loc>
		<lastmod>2020-09-21T18:38:39+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/term-life-insurance/</loc>
		<lastmod>2020-09-21T18:39:19+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/tax-deferred-growth/</loc>
		<lastmod>2020-09-21T18:40:00+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/tax-multiplier/</loc>
		<lastmod>2020-09-21T18:40:44+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/target-premium/</loc>
		<lastmod>2020-09-21T18:41:24+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/tail-factor/</loc>
		<lastmod>2020-09-21T18:42:04+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/survivorship-clause/</loc>
		<lastmod>2020-09-21T18:42:47+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/surrender-charge/</loc>
		<lastmod>2020-09-21T18:43:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/surrender-benefit/</loc>
		<lastmod>2020-09-21T18:44:07+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/surplus-share/</loc>
		<lastmod>2020-09-21T18:45:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/surety/</loc>
		<lastmod>2020-09-21T18:46:45+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/suicide-clause/</loc>
		<lastmod>2020-09-21T18:47:22+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/substantial-performance/</loc>
		<lastmod>2020-09-21T18:48:00+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/subrogation/</loc>
		<lastmod>2020-09-21T18:48:37+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/subrogation-2/</loc>
		<lastmod>2020-09-21T18:49:16+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/subject-premium/</loc>
		<lastmod>2020-09-21T18:49:56+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/structured-settlement/</loc>
		<lastmod>2020-09-21T18:50:33+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/strict-tort-liability/</loc>
		<lastmod>2020-09-21T18:51:10+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/strict-liability/</loc>
		<lastmod>2020-09-21T18:52:50+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/strategic-risks/</loc>
		<lastmod>2020-09-21T18:53:25+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/straight-line-depreciation/</loc>
		<lastmod>2020-09-21T18:54:05+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/stop-loss-coverage/</loc>
		<lastmod>2020-09-21T18:54:44+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/stockholder-equity/</loc>
		<lastmod>2020-09-21T18:55:26+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
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	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/stock-company/</loc>
		<lastmod>2020-09-21T18:56:11+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/statutory-law/</loc>
		<lastmod>2020-09-21T18:56:52+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/statutory-accounting-principles-sap/</loc>
		<lastmod>2020-09-21T18:57:57+00:00</lastmod>
		<image:image>
			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://dev.riskeducation.org/insurance-glossary/statute-of-limitations/</loc>
		<lastmod>2020-09-21T18:58:39+00:00</lastmod>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/statute-of-frauds/</loc>
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			<image:loc>https://dev.riskeducation.org/wp-content/uploads/2020/07/RI-Glossary-Thumbnail.png</image:loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/statement-of-profit-and-loss/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/statement-of-cash-flows/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/special-damages/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/severability-clause/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/settlement-options/</loc>
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		<loc>https://dev.riskeducation.org/insurance-glossary/serious-injury/</loc>
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