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    <loc>https://www.tupensionfutura.cl/</loc>
    <lastmod>2026-07-09</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://www.tupensionfutura.cl/blog</loc>
    <lastmod>2026-07-09</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.tupensionfutura.cl/quienes-somos</loc>
    <lastmod>2026-07-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- Nicho ganador (mayor tráfico real en GSC) -->
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-extranjero</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <!-- Clúster renta vitalicia -->
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-renta-vitalicia</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.tupensionfutura.cl/articulo-renta-vitalicia-heredable</loc>
    <lastmod>2026-03-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://www.tupensionfutura.cl/articulo-renta-vitalicia-vs-retiro-programado</loc>
    <lastmod>2026-03-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- Herencia y sobrevivencia -->
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-herencia</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.tupensionfutura.cl/articulo-sobrevivencia</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Asesor y comisiones -->
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    <loc>https://www.tupensionfutura.cl/articulo-asesor</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.tupensionfutura.cl/articulo-comision-asesor-previsional</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- Ahorro previsional -->
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-apv</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-gap</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <!-- Vejez, invalidez y jubilación -->
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-vejez</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-jubilacion-anticipada</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.tupensionfutura.cl/articulo-leyes</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- Bono y cálculo -->
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-bono</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-calculo-pension</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <!-- PGU y beneficios mujeres (reforma 2025 / Ley 21.735) -->
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-pgu</loc>
    <lastmod>2026-07-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-pension-mujeres</loc>
    <lastmod>2026-07-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <!-- SCOMP -->
  <url>
    <loc>https://www.tupensionfutura.cl/articulo-scomp</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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