<?xml version="1.0" encoding="utf-8"?><urlset xmlns="http://www.google.com/schemas/sitemap/0.84" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.google.com/schemas/sitemap/0.84 http://www.google.com/schemas/sitemap/0.84/sitemap.xsd"> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-ombudsman-flooded-by-pre-existing-condition-complaints/9630</loc>  <lastmod>2011-05-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-steady-growth-for-life-insurers-but-at-a-slower-pace-as-consumers-suffer/5119</loc>  <lastmod>2008-09-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-tackles-complexity-of-critical-illness-insurance/4973</loc>  <lastmod>2008-08-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/significant-consumer-protection-measures-on-the-cards-for-credit-insurance/4939</loc>  <lastmod>2008-08-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/response-from-the-life-offices-association-loa-to-a-statement-by-cosatu-31-july-08/4815</loc>  <lastmod>2008-07-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-insurers-make-available-telephonic-pre-testing-hiv-counselling-service/4711</loc>  <lastmod>2008-07-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/the-roller-coaster-world-of-insurance-fraud-statistics/4712</loc>  <lastmod>2008-07-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-industry-stops-r1-3-billion-fraudulent-claims-over-5-years/4703</loc>  <lastmod>2008-07-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-members-say-yes-to-new-association/4624</loc>  <lastmod>2008-06-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-consumers-to-benefit-from-adjusted-funeral-cover-limits/4487</loc>  <lastmod>2008-06-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/insurance-industry-welcomes-consumer-credit-insurance-report/4220</loc>  <lastmod>2008-04-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/consumers-spend-record-r103-billion-on-life-insurance-premiums/4144</loc>  <lastmod>2008-04-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/factual-errors-in-weekend-article-on-zimele-misleading/3936</loc>  <lastmod>2008-03-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-welcomes-release-of-draft-regulations-on-commission-and-early-termination-values/3930</loc>  <lastmod>2008-02-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/greater-scope-for-policyholders-to-diversify-offshore/3857</loc>  <lastmod>2008-02-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-study-reveals-south-african-life-insurance-gap-of-more-than-r10-trillion/3819</loc>  <lastmod>2008-02-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/fsc-approves-more-life-insurance-protection-measures/3784</loc>  <lastmod>2008-02-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-shares-fais-ombud-s-credit-insurance-concerns/3747</loc>  <lastmod>2008-02-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-industry-pledges-r10-million-for-consumer-education/3592</loc>  <lastmod>2007-12-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/sa-remains-world-leader-with-innovative-hiv-life-cover/3539</loc>  <lastmod>2007-11-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-announces-new-board-for-2008/3450</loc>  <lastmod>2007-11-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/detailed-credit-life-report-to-follow/3165</loc>  <lastmod>2007-10-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/enquiry-into-consumer-credit-insurance-practices-concludes-public-hearings/680</loc>  <lastmod>2007-10-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-industry-outsmarts-fraudsters/1632</loc>  <lastmod>2007-10-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-ra-funds-back-in-vogue/2010</loc>  <lastmod>2007-10-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/public-hearings-into-consumer-credit-insurance-practices-set-for-october/306</loc>  <lastmod>2007-09-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-responds-to-fanews-online-e-newsletter-re-riy/2938</loc>  <lastmod>2007-08-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-industry-unpacks-insurance-terminology/2221</loc>  <lastmod>2007-08-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-companies-to-do-away-with-projected-maturity-values/1606</loc>  <lastmod>2007-07-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/protect-yourself-by-understanding-credit-life-cover/950</loc>  <lastmod>2007-07-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/judge-peet-nienaber-invited-to-head-loa-enquiry-into-consumer-credit-insurance-practices/1992</loc>  <lastmod>2007-07-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/compensation-nears-the-halfway-mark/2986</loc>  <lastmod>2007-06-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-companies-enhance-values-of-more-than-half-a-million-policies/3197</loc>  <lastmod>2007-06-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/insurance-industry-spends-millions-on-empowering-consumers/1846</loc>  <lastmod>2007-06-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-note-to-intermediaries-submission-regarding-section-14-transfers/3349</loc>  <lastmod>2007-06-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-industry-facilitates-national-credit-act-debt-counsellors-for-public-servants/2049</loc>  <lastmod>2007-05-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-industry-saves-r1-billion-over-four-years/331</loc>  <lastmod>2007-04-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-insurance-companies-thwart-fraud-of-r1-billion/1470</loc>  <lastmod>2007-04-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-industry-attracts-over-r50-billion-in-new-business-last-year/977</loc>  <lastmod>2007-04-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/greater-access-to-appropriate-life-products-now-a-reality-for-low-income-earners/1331</loc>  <lastmod>2007-02-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-advises-action-on-statement-of-intent/2788</loc>  <lastmod>2007-01-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-industry-waives-war-exclusions-for-peacekeepers/1037</loc>  <lastmod>2007-01-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-industry-to-launch-funeral-insurance-with-added-protection/2428</loc>  <lastmod>2006-11-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-industry-funds-counseling-service-for-public-servants-struggling-with-debt/1955</loc>  <lastmod>2006-11-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/claims-fraud-down-by-almost-r76-million/904</loc>  <lastmod>2006-10-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-industry-spends-first-r700-000-on-financial-literacy-for-public-servants/2901</loc>  <lastmod>2006-08-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/advice-or-information/1879</loc>  <lastmod>2006-08-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/message-from-mike-jackson-chairman-loa/871</loc>  <lastmod>2006-08-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/truth-lies-and-the-past/3201</loc>  <lastmod>2006-07-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/a-little-squeeze-here-and-there/2662</loc>  <lastmod>2006-07-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/agents-losing-power/2266</loc>  <lastmod>2006-04-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/industry-stats-restated/1713</loc>  <lastmod>2006-04-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/treasury-discussion-paper/2481</loc>  <lastmod>2006-04-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/life-insurers-up-income-and-benefit-payments-in-2005/944</loc>  <lastmod>2006-04-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/paper-out-at-last/1348</loc>  <lastmod>2006-03-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/contractual-savings-in-the-life-insurance-industry/1772</loc>  <lastmod>2006-03-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/six-degrees-of-separation/1166</loc>  <lastmod>2006-03-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/want-to-know-your-status/2396</loc>  <lastmod>2005-12-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/loa-responds/486</loc>  <lastmod>2005-07-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/dont-deal-with-these-people/2422</loc>  <lastmod>2005-04-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/surrender-of-policies-look-at-alternatives/3255</loc>  <lastmod>2004-12-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/compliance-regulatory/2/loa-life-officers-association/1080/some-numbers/1644</loc>  <lastmod>2004-10-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url></urlset>