<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet type='text/xsl' href='https://federallife.com/wp-content/plugins/google-sitemap-generator/sitemap.xsl'?><!-- sitemap-generator-url='http://www.arnebrachhold.de' sitemap-generator-version='4.1.24' -->
<!-- generated-on='August 26, 2026 7:10 am' -->
<urlset xmlns:xsi='http://www.w3.org/2001/XMLSchema-instance' xsi:schemaLocation='http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd' xmlns='http://www.sitemaps.org/schemas/sitemap/0.9'>	<url>
		<loc>https://federallife.com/home/</loc>
		<lastmod>2025-06-05T02:16:56+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/products/</loc>
		<lastmod>2024-12-18T23:17:13+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/life-insurance-customer-service/</loc>
		<lastmod>2025-01-30T11:28:53+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/about-us/</loc>
		<lastmod>2025-01-06T11:08:07+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/info-center-2/</loc>
		<lastmod>2015-01-21T20:39:15+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/term-life/</loc>
		<lastmod>2018-03-27T19:44:16+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/retirement-plans/</loc>
		<lastmod>2018-03-27T19:00:51+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/customer-service/</loc>
		<lastmod>2025-06-02T18:59:41+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/disability-customer-service/</loc>
		<lastmod>2025-02-05T21:45:46+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/annuities-customer-service/</loc>
		<lastmod>2025-01-30T11:32:09+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/customer-service-forms/</loc>
		<lastmod>2025-02-05T19:16:52+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/existing-agents/</loc>
		<lastmod>2025-06-02T18:05:21+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/company-directory-old/</loc>
		<lastmod>2022-07-07T18:32:44+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/legal/</loc>
		<lastmod>2016-11-07T21:30:53+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/terms-conditions/</loc>
		<lastmod>2016-11-09T19:58:07+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/privacy/</loc>
		<lastmod>2024-10-17T20:00:08+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/better-business-bureau-report/</loc>
		<lastmod>2016-07-26T18:11:32+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/financials/</loc>
		<lastmod>2024-11-27T20:58:06+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/company-history/</loc>
		<lastmod>2024-11-27T20:53:08+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/site-map/</loc>
		<lastmod>2025-06-02T18:03:47+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/accidental-death-coverage/</loc>
		<lastmod>2019-04-12T19:53:28+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/contact-us/</loc>
		<lastmod>2025-06-02T19:04:12+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/traditional-and-roth-iras/</loc>
		<lastmod>2019-10-28T13:38:35+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/fast-facts/</loc>
		<lastmod>2024-11-27T21:03:21+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/glossary-of-insurance-terms/</loc>
		<lastmod>2025-01-30T11:36:55+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/life-insurance-overview/</loc>
		<lastmod>2019-04-12T19:57:53+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/info-center/</loc>
		<lastmod>2016-01-08T19:45:33+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/market-shield-plus/</loc>
		<lastmod>2018-03-27T19:28:18+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/test-home/</loc>
		<lastmod>2016-11-04T16:14:31+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/why-federal-life/</loc>
		<lastmod>2023-09-18T13:57:04+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/maintain-your-lifestyle/</loc>
		<lastmod>2025-02-05T11:46:54+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/agent-product-overview/</loc>
		<lastmod>2020-12-17T18:18:34+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/long-term-growth-with-fixed-and-index-linked-options/</loc>
		<lastmod>2019-04-17T15:42:12+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/multi-pay-plan/</loc>
		<lastmod>2018-01-19T20:27:44+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/single-pay-plan/</loc>
		<lastmod>2018-01-19T20:26:40+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/life-insurance-claims/</loc>
		<lastmod>2025-02-05T18:20:02+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/life-insurance-premium-payments/</loc>
		<lastmod>2025-02-05T19:07:04+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/life-insurance-policy-changes/</loc>
		<lastmod>2025-02-05T18:37:46+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/life-insurance-policy-loans/</loc>
		<lastmod>2025-02-05T18:39:48+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/life-insurance-reinstatements/</loc>
		<lastmod>2025-01-30T11:31:43+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/annuity-claims/</loc>
		<lastmod>2025-01-30T11:32:37+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/annuity-premium-payments/</loc>
		<lastmod>2025-02-05T18:07:57+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/annuity-policy-changes/</loc>
		<lastmod>2025-02-05T19:30:15+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/annuity-withdrawals/</loc>
		<lastmod>2025-02-05T18:50:31+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/annuitization/</loc>
		<lastmod>2025-02-05T18:56:05+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/disability-claims/</loc>
		<lastmod>2025-02-05T21:44:54+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/disability-premium-payments/</loc>
		<lastmod>2025-02-05T19:23:00+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/disability-policy-changes/</loc>
		<lastmod>2025-01-30T11:35:47+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/single-premium-whole-life/</loc>
		<lastmod>2020-02-06T13:44:00+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/traditional-whole-life/</loc>
		<lastmod>2020-02-05T20:58:28+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/maxisaver-single-premium-deferred-annuity/</loc>
		<lastmod>2018-12-10T16:20:02+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/income-security-shield-single-premium-immediate-annuity/</loc>
		<lastmod>2018-03-27T19:37:30+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/incapacidad-reclamo-de-beneficios/</loc>
		<lastmod>2018-07-09T13:50:28+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/incapacidad-pagos-de-las-primas/</loc>
		<lastmod>2018-12-10T20:08:31+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/incapacidad-cambios-en-las-polizas/</loc>
		<lastmod>2018-12-10T15:08:01+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/glosario-de-terminos/</loc>
		<lastmod>2018-07-09T14:19:34+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/discovermarketshield/</loc>
		<lastmod>2018-01-19T20:05:20+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/agent-training/</loc>
		<lastmod>2017-06-09T19:24:23+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/plan-of-conversion/</loc>
		<lastmod>2018-12-04T15:09:55+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/medicare-supplement/</loc>
		<lastmod>2025-01-25T12:16:46+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/company-directory/</loc>
		<lastmod>2025-06-02T19:19:43+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/for-agents/</loc>
		<lastmod>2025-02-05T11:45:45+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/prospective-agents/</loc>
		<lastmod>2025-01-30T11:51:34+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/agentconnect-webportal/</loc>
		<lastmod>2025-01-30T11:52:07+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/aml-training-2/</loc>
		<lastmod>2025-01-30T11:54:11+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/product-training/</loc>
		<lastmod>2025-01-30T11:46:18+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/annuity-suitability/</loc>
		<lastmod>2025-01-30T11:54:36+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/2020-annuity-suitability/</loc>
		<lastmod>2024-10-17T19:32:02+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/annuity-continuing-education/</loc>
		<lastmod>2025-01-30T11:54:57+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/illustration-software/</loc>
		<lastmod>2023-03-23T17:12:20+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/immediate-care-plan/</loc>
		<lastmod>2024-11-27T21:10:17+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/executive-team-and-board-of-directors/</loc>
		<lastmod>2025-02-08T14:49:45+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/history-timeline/</loc>
		<lastmod>2025-01-06T11:17:54+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/group-health-solutions/</loc>
		<lastmod>2025-02-20T11:27:46+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/who-we-are/</loc>
		<lastmod>2026-05-26T15:59:37+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/what-we-offer/</loc>
		<lastmod>2025-07-14T17:32:53+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://federallife.com/in-the-news/</loc>
		<lastmod>2025-06-01T22:28:27+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
</urlset><!-- Request ID: fdb8cd4b98398c2106a2a6f2b32c74db; Queries for sitemap: 5; Total queries: 49; Seconds: 0.01; Memory for sitemap: 1KB; Total memory: 12MB -->
