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    <loc>http://maxherrinsuranceservices.com/blog/coming-soon-28122012</loc>
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    <lastmod>2013-01-13</lastmod>
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  <url>
    <loc>http://maxherrinsuranceservices.com/blog/medicare-advantage-open-enrollment-coming2182013</loc>
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      <image:title>Blog - Medicare Advantage Open Enrollment Coming</image:title>
      <image:caption>Get official information about your Medicare benefits and options directly from Medicare! Click on the logo above.</image:caption>
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      <image:title>Blog - Medicare Advantage Open Enrollment Coming</image:title>
      <image:caption>Click the HICAP logo to visit the California Department of Aging and get information about this no-cost program for seniors and their family members.</image:caption>
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      <image:title>Blog - Medicare Advantage Open Enrollment Coming</image:title>
      <image:caption>Required certification for 2015 Medicare Advantage</image:caption>
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      <image:title>Blog - Medicare Advantage Open Enrollment Coming</image:title>
      <image:caption>Help fight fraud, waste, and abuse in Medicare.  Click on this link to the official HHS website.</image:caption>
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  <url>
    <loc>http://maxherrinsuranceservices.com/blog/agent-scams-seniors-out-of-more-than-2-million882014</loc>
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    <lastmod>2014-08-08</lastmod>
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  <url>
    <loc>http://maxherrinsuranceservices.com/blog/beware-of-life-insurance-being-marketed-as-annuity-death-tax-protection732013</loc>
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    <lastmod>2014-08-08</lastmod>
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  <url>
    <loc>http://maxherrinsuranceservices.com/blog/category/Press</loc>
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  <url>
    <loc>http://maxherrinsuranceservices.com/index</loc>
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    <lastmod>2012-12-27</lastmod>
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  <url>
    <loc>http://maxherrinsuranceservices.com/our-story</loc>
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    <lastmod>2012-12-24</lastmod>
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  <url>
    <loc>http://maxherrinsuranceservices.com/universal-life-insurance-what-it-is-and-how-it-works</loc>
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    <priority>0.75</priority>
    <lastmod>2013-01-13</lastmod>
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  <url>
    <loc>http://maxherrinsuranceservices.com/types-of-life-insurance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2015-10-04</lastmod>
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  <url>
    <loc>http://maxherrinsuranceservices.com/about</loc>
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    <lastmod>2014-08-01</lastmod>
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      <image:title>About</image:title>
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      <image:title>About</image:title>
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      <image:title>About</image:title>
      <image:caption>Official Social Security home page</image:caption>
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      <image:title>About</image:title>
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      <image:title>About</image:title>
      <image:caption>Free services for Seniors and their families concerning Long Term Care, Social Security, and Medicare.</image:caption>
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    <image:image>
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      <image:title>About</image:title>
      <image:caption>The Centers for Medicare and Medicaid Services are responsible for processing Medicare Claims</image:caption>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/50d71f35e4b00220dc6bedd4/t/530aa31ee4b01764e0013ec8/1434104215883/Certificate+of+Appointment.jpg</image:loc>
      <image:title>About</image:title>
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      <image:title>About</image:title>
      <image:caption>Official SEC Investor Information website</image:caption>
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      <image:title>About</image:title>
      <image:caption>Information about Medicare, Medicare Supplement Insurance, Medicare Advantage, and Prescription Drug Plans</image:caption>
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      <image:title>About</image:title>
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      <image:title>About</image:title>
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  </url>
  <url>
    <loc>http://maxherrinsuranceservices.com/new-page</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2012-12-24</lastmod>
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  <url>
    <loc>http://maxherrinsuranceservices.com/news-and-press-releases</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2012-12-27</lastmod>
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  <url>
    <loc>http://maxherrinsuranceservices.com/licensing</loc>
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    <lastmod>2015-07-12</lastmod>
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      <image:title>Licensing</image:title>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/50d71f35e4b00220dc6bedd4/t/5230d04ce4b0eeec2dee6f00/1434104215247/Covered+CA+Cert+Ins+Agt+CERT.jpg</image:loc>
      <image:title>Licensing</image:title>
      <image:caption>Agent # 2000001402   Certification # 5000003213 Only a Certified Insurance Agent has authority to submit your enrollment application for health insurance through the Covered California Individual or SHOP Exchange.</image:caption>
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  </url>
  <url>
    <loc>http://maxherrinsuranceservices.com/find-and-enroll-in-essential-health-benefits</loc>
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    <lastmod>2014-08-08</lastmod>
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      <image:title>Find and Enroll in Essential Health Benefits</image:title>
      <image:caption>Click on the logo above to visit the official Covered California website.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/50d71f35e4b00220dc6bedd4/t/52785562e4b061ca915cfb4e/1383617891184/VSPLogoColorMediumJPEG_WEB.jpg</image:loc>
      <image:title>Find and Enroll in Essential Health Benefits</image:title>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/50d71f35e4b00220dc6bedd4/t/53e4ed17e4b0e03dc951ae86/1407511858437/</image:loc>
      <image:title>Find and Enroll in Essential Health Benefits</image:title>
      <image:caption>These are the values for 2014.  2015 values are expected to be slightly higher.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://maxherrinsuranceservices.com/medicare-advantage</loc>
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    <priority>0.75</priority>
    <lastmod>2016-03-30</lastmod>
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  <url>
    <loc>http://maxherrinsuranceservices.com/health-insurance-basics</loc>
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    <priority>0.75</priority>
    <lastmod>2015-09-21</lastmod>
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      <image:title>Health Insurance Basics</image:title>
      <image:caption>Let us help you obtain the Qualified Health Plan that best meets your family's needs through one of the Covered California participating health insurance providers.  Not all plans are available in all areas.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/50d71f35e4b00220dc6bedd4/t/56001e04e4b05e6e38882782/1442848261379/</image:loc>
      <image:title>Health Insurance Basics</image:title>
      <image:caption>If your household income is below the 138% FPL value shown above, you are eligible for no- or low-cost health coverage through the Medi-Cal program.  Between 138% and 250% of FPL, you are eligible for "Cost Sharing Reductions" if you choose a Silver tier health plan.  Many households with incomes below 400% of FPL are eligible for Premium Tax Credits to help pay some or most of the premium for a Qualified Health Plan.  Contact us for help in applying for your health insurance plan or Medi-Cal.  (Note: In certain households with incomes up to 266% of FPL, children under age 19 may be enrolled in Medi-Cal.).  Households with incomes below 100% or higher than 400% of FPL are ineligible for Premium Tax Credits.</image:caption>
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  <url>
    <loc>http://maxherrinsuranceservices.com/contact</loc>
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    <lastmod>2012-12-24</lastmod>
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      <image:title>Contact Us!</image:title>
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  </url>
  <url>
    <loc>http://maxherrinsuranceservices.com/home-auto-insurance</loc>
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    <priority>0.75</priority>
    <lastmod>2015-07-12</lastmod>
  </url>
  <url>
    <loc>http://maxherrinsuranceservices.com/health-insurance-for-small-businesses</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2015-09-21</lastmod>
  </url>
  <url>
    <loc>http://maxherrinsuranceservices.com/new-page-3</loc>
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    <priority>0.75</priority>
    <lastmod>2016-05-27</lastmod>
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      <image:title>Health Insurance for Travelers</image:title>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/50d71f35e4b00220dc6bedd4/t/5748319d1bbee06999534576/1464349220499/</image:loc>
      <image:title>Health Insurance for Travelers</image:title>
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    <image:image>
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      <image:title>Health Insurance for Travelers</image:title>
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  </url>
  <url>
    <loc>http://maxherrinsuranceservices.com/new-page-1</loc>
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    <priority>1.0</priority>
    <lastmod>2014-09-09</lastmod>
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