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    <lastmod>2020-06-17</lastmod>
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    <loc>https://www.fairbridge.com.au/media/notsosuperafterall</loc>
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    <lastmod>2020-06-17</lastmod>
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      <image:title>In The Media - Not so super after all</image:title>
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  <url>
    <loc>https://www.fairbridge.com.au/media/bestofbothworlds</loc>
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    <lastmod>2020-06-18</lastmod>
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    <loc>https://www.fairbridge.com.au/media/blog-post-title-two-mc52d</loc>
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    <lastmod>2020-06-17</lastmod>
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      <image:title>In The Media - Income needs to be secure</image:title>
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    <lastmod>2020-07-16</lastmod>
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      <image:title>In The Media - Should You Buy Life Insurance Through Your Super Fund</image:title>
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    <lastmod>2020-07-16</lastmod>
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      <image:title>In The Media - Protect the income ‘engine room’</image:title>
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    <loc>https://www.fairbridge.com.au/media/blog-post-title-four-cjze9</loc>
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    <lastmod>2020-06-17</lastmod>
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      <image:title>In The Media - A life &amp;amp; death matter</image:title>
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    <loc>https://www.fairbridge.com.au/media/avoid-the-insurance-traps</loc>
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    <priority>0.5</priority>
    <lastmod>2020-07-16</lastmod>
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      <image:title>In The Media - Avoid the insurance traps</image:title>
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  <url>
    <loc>https://www.fairbridge.com.au/media/on-the-right-terms</loc>
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    <priority>0.5</priority>
    <lastmod>2020-06-18</lastmod>
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      <image:title>In The Media - On the right terms</image:title>
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  <url>
    <loc>https://www.fairbridge.com.au/contact-usb</loc>
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    <priority>0.75</priority>
    <lastmod>2020-05-04</lastmod>
  </url>
  <url>
    <loc>https://www.fairbridge.com.au/home</loc>
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    <priority>1.0</priority>
    <lastmod>2024-11-19</lastmod>
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    <image:image>
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    <image:image>
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      <image:title>Home</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594887558159-CPASK88ANHYGNPB07BU7/iocn2.png</image:loc>
      <image:title>Home</image:title>
      <image:caption>Tailored Insurance Portfolios We structure and tailor insurance portfolios to meet personal or business insurance needs with due regard to the level of cover, benefits, tax efficiency and ownership.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594887727789-CYNQTEKT0FBOJ5EQTEUZ/immingration.png</image:loc>
      <image:title>Home</image:title>
      <image:caption>Immigration to Australia For those relocating it is important to understand the types of insurance products that are available and how your visa status may impact your insurance options.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594887610806-MYM8J08BP3UMO2ZFO5H9/research.png</image:loc>
      <image:title>Home</image:title>
      <image:caption>Product Research and Selection When selecting insurance products to meet your specific circumstances we will consider all major retail insurers in the market. We are advice driven and not product driven.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594887653397-NOXDOSSG3Z0ZXR99CJ3X/underwriting.png</image:loc>
      <image:title>Home</image:title>
      <image:caption>Underwriting As part of the insurance application process the Insurer will assess the risk. Our role is to work closely with the underwriters to ensure the best possible outcome for our clients.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594887817394-YUYI8P77CY7B0XJYMVZV/reviews.png</image:loc>
      <image:title>Home</image:title>
      <image:caption>Ongoing Reviews Your needs and circumstances are not fixed in time and require ongoing review in order to ensure that your insurance policies remain appropriate to your personal situation.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594887420311-IC5391NHIQ7R3MOSYT7U/iocn2.png</image:loc>
      <image:title>Home</image:title>
      <image:caption>Claims Management We understand, after many years as advisers, the importance of claims management. This is the peace of mind a client needs when taking out the insurance.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Home</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1587418509351-ECM51RENVDK65KK9KHT3/aia.png</image:loc>
      <image:title>Home</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594613151870-PEG5G5A4VI2NDUVA846H/mlc_white.png</image:loc>
      <image:title>Home</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1587418468171-HBMQXGFEAWVK32P0L0O2/zurich.png</image:loc>
      <image:title>Home</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594612993035-KA8SFRDG4U65SZ2RGN73/asteron_white.png</image:loc>
      <image:title>Home</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594613119035-RCHWHVTLAUJT9O3TANBP/comminsure_white.png</image:loc>
      <image:title>Home</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1587418540446-YORKT7WCDM8B04AQ4AMZ/amp.png</image:loc>
      <image:title>Home</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1587418750240-O7ILDZOD3SQO0X1HKP85/onepath.png</image:loc>
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  </url>
  <url>
    <loc>https://www.fairbridge.com.au/aboutus</loc>
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    <priority>0.75</priority>
    <lastmod>2025-11-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/2f0b3338-2ddd-4b55-ad92-34444bd8043e/GS.jpg</image:loc>
      <image:title>About Us</image:title>
      <image:caption>Greg has over 10 years of experience in the Financial Services Industry. Greg joined the Fairbridge team in 2012, during which time Greg has demonstrated his attention to detail and technical skill in implementing insurance solutions for clients.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/e921adce-6d3c-4eae-b0dd-d71828904527/Nik+updated.jpg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/82620494-16c2-4ab7-9fb8-a927bef2c353/JP.jpg</image:loc>
      <image:title>About Us</image:title>
      <image:caption>Jon has over 30 years experience as a personal risk insurance and corporate benefits adviser. Jon co-founded Fairbridge in 2014. Prior to Fairbridge Jon was a director at Centric Wealth, a company of which he was also a founding shareholder.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/91540b30-6ccd-47ed-84fe-e9f8ac816f5b/MG.jpg</image:loc>
      <image:title>About Us</image:title>
      <image:caption>Michael joined Fairbridge Financial Services as a Partner in 2024. He brings over 35 years of business experience in Australia. Michael works alongside the risk team on client engagement and internal strategy.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/8cd3b7e5-d2e1-46af-8e66-81f2c06c1eba/KMud.jpg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/06130676-300c-418c-885e-b15ac5689950/Kim.jpg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/11eeee3c-1ec9-4aec-8cce-d4f86cad7579/LP.jpg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/23284912-aabc-405f-a832-a919fdaa5c12/RA.jpg</image:loc>
      <image:title>About Us</image:title>
      <image:caption>Roy has been a personal insurance and group benefits adviser since 1983. Roy was a founding shareholder and executive of Centric Wealth. Pursuant to the sale of the business in 2014, Roy co-founded Fairbridge Financial Services where he continues to service his clients.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/4633f463-6455-48af-98ab-12923fb3018e/AW.jpg</image:loc>
      <image:title>About Us</image:title>
      <image:caption>Adam has more than 20 years’ experience in insurance and financial planning, specialising in life insurance advice for individuals, families, professionals and business owners.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/b37de524-1c41-4c34-8141-b19061a9f175/TM.jpg</image:loc>
      <image:title>About Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/ae4a4352-bcd9-4369-8236-ed289006ec34/02.jpg</image:loc>
      <image:title>About Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/55aaeb42-fcd4-4f25-85a5-66f90796f094/ND.jpg</image:loc>
      <image:title>About Us</image:title>
      <image:caption>Nathan has had over 15 years of experience in the Financial Services and Life Insurance Industry. Nathan’s success with his clients is due to his technical expertise and strong knowledge of the life insurance industry, which carries into the advice he gives his clients.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/68716ab2-38c4-4911-a9e5-60db2c94e1eb/JK.jpg</image:loc>
      <image:title>About Us</image:title>
      <image:caption>Julie has worked in the Life Insurance Industry since 2002. As a Specialist Risk Adviser, Julie is passionate about what she does and has enjoyed success with her clients due to her personable manner, attention to detail and technical insurance expertise.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/5d4fab68-9d0d-4c2d-92a2-5a521936af42/Jacob.jpg</image:loc>
      <image:title>About Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1d5c4504-158a-4e28-aa42-dc7c308c1eb2/Kat.jpg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fairbridge.com.au/businessrisk</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-07-30</lastmod>
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      <image:title>Business Risk Insurance</image:title>
    </image:image>
    <image:image>
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      <image:title>Business Risk Insurance</image:title>
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    <image:image>
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      <image:title>Business Risk Insurance</image:title>
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      <image:title>Business Risk Insurance</image:title>
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  </url>
  <url>
    <loc>https://www.fairbridge.com.au/customer</loc>
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    <priority>0.75</priority>
    <lastmod>2020-05-04</lastmod>
  </url>
  <url>
    <loc>https://www.fairbridge.com.au/personal-insurance-structures2</loc>
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    <priority>0.75</priority>
    <lastmod>2020-06-11</lastmod>
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      <image:title>Personal Risk Insurance 2</image:title>
    </image:image>
    <image:image>
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      <image:title>Personal Risk Insurance 2</image:title>
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    <image:image>
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      <image:title>Personal Risk Insurance 2</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1588583068153-2PPHR0V9KJYWS49K6S7R/hotel_front_desk-3x2.jpeg</image:loc>
      <image:title>Personal Risk Insurance 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fairbridge.com.au/terms-conditions</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-05-03</lastmod>
  </url>
  <url>
    <loc>https://www.fairbridge.com.au/documents</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1588558077833-NPHQG8C6YY0C55JW44M2/doc2.png</image:loc>
      <image:title>Forms &amp; Documents</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1588558087030-BRVP0YOGOKYAAUE4C0WE/doc2.png</image:loc>
      <image:title>Forms &amp; Documents</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1588558068615-MVBWJD3K4N9P32RD3GE1/doc2.png</image:loc>
      <image:title>Forms &amp; Documents</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fairbridge.com.au/privacy-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-05-03</lastmod>
  </url>
  <url>
    <loc>https://www.fairbridge.com.au/group-insurance2</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-06-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1588583068153-2PPHR0V9KJYWS49K6S7R/hotel_front_desk-3x2.jpeg</image:loc>
      <image:title>Group Insurance2</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1588583051323-NW282GJ74KQ0MN4HGMTX/walking-down-the-alter.jpeg</image:loc>
      <image:title>Group Insurance2</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1588583043700-WT59PNVSCDPTJYPYXRWZ/Planning-for-retirement.jpeg</image:loc>
      <image:title>Group Insurance2</image:title>
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  </url>
  <url>
    <loc>https://www.fairbridge.com.au/contact-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-11-30</lastmod>
  </url>
  <url>
    <loc>https://www.fairbridge.com.au/our-services-b</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-05-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1589525929466-TXNNPO7YF7LJ6IURB4LS/fs5.png</image:loc>
      <image:title>Our Services - Mutual Insurance Structures</image:title>
      <image:caption>For certain qualified professions, holding your insurance through a Mutual structure could provide you with an investment value relative to the premiums paid, which will provide you with future dividends of profit share.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1589526081820-IM413R14JQRTY7SES7UT/fs12.png</image:loc>
      <image:title>Our Services - Group Insurance</image:title>
      <image:caption>Income protection, life and disability insurance at a group level and corporate superannuation is an enormously valuable benefit for employees. Consider a long-term employee who becomes disabled due to sickness or accident.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1589525746410-2TMG1FTUDBXRFV4KDK32/fs4.png</image:loc>
      <image:title>Our Services - Business Risk Insurance</image:title>
      <image:caption>Shareholder, partnership and key person insurance provides liquidity for the successful continuation of a business in the event of the death, disability or illness of a shareholder, partner or key person.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1589525701967-Y0OCOD1ET73EJAX1BRCT/wealth7.png</image:loc>
      <image:title>Our Services - Personal Risk Insurance</image:title>
      <image:caption>Personal risk insurance provides a financial benefit in the event of a serious injury, illness, or death. This includes term life insurance, total and permanent disability insurance, income protection insurance and trauma insurance.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1588581690192-K34OLUKHTYL296JEIDJD/policy-owners-reading-email-1.jpeg</image:loc>
      <image:title>Our Services</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1588581759479-PSFGJB7492XQL9VO4IG7/young-professional-doing-taxes.jpeg</image:loc>
      <image:title>Our Services</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1588581785046-ERP3R54O427K4TSWJ5FR/older-couple-camping-3x2.jpeg</image:loc>
      <image:title>Our Services</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1588581772074-44QPY6C0CV6PXBH4EQ44/3by2-care-taker.jpeg</image:loc>
      <image:title>Our Services</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fairbridge.com.au/landing-page</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-07-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1595914145500-QZ2RWAX60EB2RNI2QKWC/landingpage_fs.png</image:loc>
      <image:title>Landing Page</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1595914172761-NF59DZAV5IDTBOEX8SZE/landingpage_wm.png</image:loc>
      <image:title>Landing Page</image:title>
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  <url>
    <loc>https://www.fairbridge.com.au/personal-risk-insurance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-07-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594619591393-1A0U67XX1L9I7296SDZH/incomeprotection.png</image:loc>
      <image:title>Personal Risk Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594619642372-PYCZSIHJM36F6KKIT48B/tpd.png</image:loc>
      <image:title>Personal Risk Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594619792889-3R0YCN303DCOYIJGPZ3T/trauma.png</image:loc>
      <image:title>Personal Risk Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1592385174397-1LZDYEM6LEOHIMUVLIVF/wm9.png</image:loc>
      <image:title>Personal Risk Insurance</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fairbridge.com.au/group-insurance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-07-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594619076087-FDC9LEIF15GSC1A8WFJE/salarycontinuance.png</image:loc>
      <image:title>Group Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1592385661114-NJ0YRUXZU1GCVPURCUXJ/fs12.png</image:loc>
      <image:title>Group Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/1594619396452-OHXQKF50JV9GMIXQWATV/wm9.png</image:loc>
      <image:title>Group Insurance</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fairbridge.com.au/medlife</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-11-14</lastmod>
    <image:image>
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    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/6b763f26-6c67-43cd-8784-df6650bb6e18/records.png</image:loc>
    </image:image>
    <image:image>
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      <image:title>MedLife</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9d7b9d0667c66d431cc74f/51e57e38-951d-4841-a5a5-bd035ef83542/doc_nurse.jpg</image:loc>
      <image:title>MedLife</image:title>
    </image:image>
    <image:image>
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      <image:title>MedLife</image:title>
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</urlset>

