<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Production-approved pages only. Medicare pages intentionally excluded (TPMO-blocked). -->
  <!-- Activate by setting site.staging to false in src/_data/site.json. -->
  <!-- All 3 locales (en/ka/ru) included — this is a genuinely trilingual site. -->



  <url><loc>https://wstoneinsurance.com/en/</loc><changefreq>weekly</changefreq><priority>1.0</priority></url>

  <url><loc>https://wstoneinsurance.com/en/about/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/contact/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/careers/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/get-a-quote/</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <url><loc>https://wstoneinsurance.com/en/client-center/</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>

  <url><loc>https://wstoneinsurance.com/en/privacy-policy/</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/auto/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/homeowners/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/renters/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/landlord/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/business/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/workers-compensation/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/health/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/life/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/life/term-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/life/whole-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/life/indexed-universal-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/life/final-expense/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/life/business-life-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/annuities/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/disability-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/long-term-care/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/dental-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/insurance/pet-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/trucking-insurance/</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <url><loc>https://wstoneinsurance.com/en/trucking/commercial-auto/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/trucking/cargo-insurance/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/trucking/physical-damage/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/trucking/bobtail-insurance/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/en/trucking/dot-mc-setup/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/en/trucking/get-a-quote/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>



  <url><loc>https://wstoneinsurance.com/ru/</loc><changefreq>weekly</changefreq><priority>1.0</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/about/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/contact/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/careers/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/get-a-quote/</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/client-center/</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/privacy-policy/</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/auto/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/homeowners/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/renters/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/landlord/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/business/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/workers-compensation/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/health/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/life/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/life/term-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/life/whole-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/life/indexed-universal-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/life/final-expense/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/life/business-life-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/annuities/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/disability-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/long-term-care/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/dental-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/insurance/pet-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/trucking-insurance/</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/trucking/commercial-auto/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/trucking/cargo-insurance/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/trucking/physical-damage/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/trucking/bobtail-insurance/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/trucking/dot-mc-setup/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ru/trucking/get-a-quote/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>



  <url><loc>https://wstoneinsurance.com/ka/</loc><changefreq>weekly</changefreq><priority>1.0</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/about/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/contact/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/careers/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/get-a-quote/</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/client-center/</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/privacy-policy/</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/auto/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/homeowners/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/renters/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/landlord/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/business/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/workers-compensation/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/health/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/life/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/life/term-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/life/whole-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/life/indexed-universal-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/life/final-expense/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/life/business-life-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/annuities/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/disability-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/long-term-care/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/dental-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/insurance/pet-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/trucking-insurance/</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/trucking/commercial-auto/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/trucking/cargo-insurance/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/trucking/physical-damage/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/trucking/bobtail-insurance/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/trucking/dot-mc-setup/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <url><loc>https://wstoneinsurance.com/ka/trucking/get-a-quote/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>



  <!-- EN-only page: no KA/RU version exists yet, so no locale loop here. -->
  <url><loc>https://wstoneinsurance.com/en/terms-and-conditions/</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <!-- Excluded (compliance-blocked; page-level noindex), all locales:
       /medicare/
       /medicare/advantage/
       /medicare/supplement/
       /medicare/part-d/
       /social-security-planning/
  -->

</urlset>
