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<url><loc>https://www.insurance.nd.gov/flood-insurance</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/long-term-care-partnership-training</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/printview-transcript</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/providercourse-lookup</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/examination-sanford-health-plan-complete-report-issued</loc><lastmod>2024-03-06T14:31Z</lastmod><changefreq>never</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/tools-legal/proposed-rulemaking</loc><lastmod>2026-02-10T17:42Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/news/godfread-urges-preparedness-during-severe-summer-weather-awareness-week</loc><lastmod>2024-04-24T16:09Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/consumers/insurance</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/public-hearing-westminster-american-insurance-company-planned-acquisition</loc><lastmod>2024-05-14T20:00Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-producer-appointments</loc><lastmod>2026-02-20T17:14Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/auto-insurance-cost-comparison-survey-released-godfread-shares-ways-save</loc><lastmod>2024-05-15T18:30Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/2024-first-quarter-disclosure-reports</loc><lastmod>2026-02-10T19:22Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/t-faqs</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-reporting-forms</loc><lastmod>2026-02-23T14:59Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/consumers/disaster-preparedness-recovery</loc><lastmod>2025-06-21T14:27Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/financial-reporting-and-tax-requirements</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-issues-cease-and-desist-order-deceptive-mailing-practices</loc><lastmod>2024-06-19T14:42Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/fire-district-payment</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/news/beware-contractor-scams-and-fraud-following-recent-storms-godfread-says</loc><lastmod>2024-08-06T17:01Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/document-damage-understand-your-policy-following-recent-storms</loc><lastmod>2024-08-14T15:15Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-issues-warning-fraudulent-substance-use-treatment-centers</loc><lastmod>2024-08-21T13:44Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/consumers/company-information/company-rating-services</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/health-care-reform-faq</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-nelson-offer-guidance-residents-impacted-weekend-wildfires</loc><lastmod>2024-10-07T12:19Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/continuing-education-faq-producer</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/annual-enrollment-period-medicare-part-d-plans-begins-runs-through-dec-7</loc><lastmod>2024-10-15T14:07Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-announces-2025-aca-plan-rates-citing-increasing-prices-healthcare-services-lead</loc><lastmod>2024-10-22T16:03Z</lastmod><changefreq>yearly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/news/insurance-department-issues-alert-humana-medicare-advantage-customers</loc><lastmod>2024-12-05T19:29Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/producers/other-licenses/portable-electronics-insurance</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/producers/other-licenses/surplus-lines</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/2024-third-quarter-disclosure-reports</loc><lastmod>2026-02-10T19:58Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/producers/other-licenses/third-party-administrator</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/2024-health-insurers-disclosure-reports</loc><lastmod>2024-12-31T20:00Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/2024-pharmacy-benefit-managers-disclosure-reports</loc><lastmod>2024-12-31T20:04Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/drug-manufacturers-2025-new-drug-disclosure-reports</loc><lastmod>2025-05-15T19:18Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/fargo-insurance-agent-fined-providing-gifts-clients-violating-state-rebating-laws</loc><lastmod>2025-01-06T14:55Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/drug-manufacturers-2025-price-increase-reports</loc><lastmod>2025-05-07T19:40Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/producers/other-licenses/title-licensing</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/producers/producer-faq</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-participates-congressional-roundtable-wildfires-insurance</loc><lastmod>2025-02-13T21:51Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/information-producers</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/north-dakota-insurance-department-assisted-over-1500-consumers-2024-recovering-over-2-million</loc><lastmod>2025-02-20T21:29Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/judge-blocks-illegal-long-term-care-insurance-rate-increases-imposed-north-dakota-consumers</loc><lastmod>2025-03-11T20:19Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/consumers/insurance/annuities</loc><lastmod>2025-03-13T20:38Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/accredited-reinsurer-application</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/admitted-and-authorized-reinsurers</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/certificate-authority-amendments</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/certified-reinsurers</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/governor-signs-bill-merging-insurance-and-securities-oversight-north-dakota</loc><lastmod>2025-04-17T19:07Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/gift-annuities</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/insurers-uniform-application-ucaa</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/2025-pharmacy-benefit-managers-disclosure-reports</loc><lastmod>2025-05-13T20:58Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/2025-health-insurers-disclosure-reports</loc><lastmod>2025-05-08T16:09Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/2024-fourth-quarter-disclosure-reports</loc><lastmod>2026-02-10T21:15Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/multiple-employer-welfare-arrangements-mewas</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/organizations-or-joint-underwriters</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/prepaid-legal-services</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/premium-finance-company</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-urges-north-dakotans-check-storm-damage-and-file-insurance-claims-promptly</loc><lastmod>2025-06-21T14:08Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/purchasing-group-application</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/north-dakota-launches-unified-insurance-securities-regulator</loc><lastmod>2025-07-01T18:46Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/reinsurance-intermediary</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/risk-retention-group-application</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/schedule-company-fees-taxes-and-deposits</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/self-insurers</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/surplus-lines-application</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/trusteed-reinsurer-application</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/utilization-review-agent</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/state-issues-stop-order-against-epic-management-llc-and-todd-berning</loc><lastmod>2025-09-12T20:52Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/voluntary-withdrawal</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/producers/fee-information</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/producers/appointments</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/north-dakotans-could-see-significant-health-insurance-premium-increases-2026-if-federal</loc><lastmod>2025-10-15T19:36Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/producers/crop-insurers</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/north-dakota-seniors-could-feel-impact-unfair-medicare-sales-practices-department-warns</loc><lastmod>2025-11-07T20:14Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/registered-and-other-entities</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/commissioner-godfread-appoints-matt-clark-north-dakota-state-fire-marshal</loc><lastmod>2026-01-12T15:39Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/producers/other-licenses/pharmacy-benefits-manager</loc><lastmod>2026-01-29T14:26Z</lastmod><changefreq>yearly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/filing-requirements-licensed-companies</loc><lastmod>2026-02-20T15:03Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/annual-data-report-forms</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rule-making-2026</loc><lastmod>2026-03-02T17:39Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/filing-requirements-registered-and-other-entities</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies-receivership</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/tools-legal/bulletins</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/consumers/other-resources/air-ambulance</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/search</loc><lastmod>2019-05-19T19:06Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-encourages-consumers-shop-around-open-enrollment-period-begins</loc><lastmod>2019-01-15T17:55Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-recognized-autism-speaks-2018-executive-champion</loc><lastmod>2019-01-15T17:56Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/additional-date-scheduled-2018-medicare-part-d-annual-enrollment-events</loc><lastmod>2026-03-25T16:54Z</lastmod><changefreq>daily</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-releases-health-insurance-reform-study-findings-and-approved-aca-health</loc><lastmod>2019-01-18T16:19Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-issues-bulletin-supporting-treatments-autism-spectrum-disorder</loc><lastmod>2019-01-15T17:59Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-offers-tips-preventing-fraud-beneficiaries-receive-new-medicare-cards</loc><lastmod>2019-01-15T18:01Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-issues-statement-association-health-plan-final-rule</loc><lastmod>2019-01-15T18:02Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-analyze-options-health-insurance-reform-north-dakota</loc><lastmod>2019-01-15T18:02Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-files-fraud-charge-against-burleigh-county-man</loc><lastmod>2019-01-15T18:03Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-announces-examination-blue-cross-blue-shield-behavioral-health-and-substance-abuse</loc><lastmod>2019-01-15T18:04Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/consumer-protection-legislation-regarding-air-ambulance-billing-now-effect</loc><lastmod>2019-01-15T18:18Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-partners-va-reimburse-veterans-exam-fees</loc><lastmod>2019-01-15T18:05Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-recovers-55-million-north-dakota-life-insurance-beneficiaries</loc><lastmod>2019-01-15T18:06Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-encourages-consumers-shop-around-open-enrollment-period-begins-0</loc><lastmod>2019-01-15T18:07Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/sanford-health-plan-remain-aca-individual-health-insurance-exchange-2018</loc><lastmod>2019-01-15T18:07Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-deny-additional-rate-increases-following-non-payments-csrs</loc><lastmod>2019-01-15T18:08Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-kick-medicare-part-d-annual-enrollment-events-grand-forks</loc><lastmod>2019-01-15T18:09Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-releases-approved-aca-health-insurance-premiums-encourages-consumers-shop</loc><lastmod>2019-01-15T18:10Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/medica-leaving-north-dakota-individual-health-insurance-exchange-2018</loc><lastmod>2019-01-15T18:11Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-provides-recommendations-senate-committee-health-education-labor-and</loc><lastmod>2019-01-15T18:12Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-receives-accreditation-naic-summer-meeting</loc><lastmod>2019-01-15T18:15Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-releases-comprehensive-summary-2017-legislative-session</loc><lastmod>2019-01-15T18:22Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-releases-air-ambulance-participation-guide</loc><lastmod>2019-01-15T18:24Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-files-fraud-charge-against-morton-county-man</loc><lastmod>2019-01-15T18:30Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-urges-north-dakotans-know-what-do-after-severe-summer-storm</loc><lastmod>2019-01-15T18:32Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-signs-letter-denouncing-californias-climate-risk-carbon-initiative</loc><lastmod>2019-01-14T20:34Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-encourages-professional-development-and-collaboration-through</loc><lastmod>2019-01-15T18:34Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/north-dakota-passes-law-protecting-consumers-massive-unexpected-air-ambulance-bills</loc><lastmod>2021-04-06T19:24Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-encourages-north-dakotans-prepare-flood-risk</loc><lastmod>2019-01-15T18:36Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-encourages-individuals-considering-driving-ride-hailing-service-review</loc><lastmod>2019-01-14T20:54Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-issues-statement-president-trumps-address-congress</loc><lastmod>2019-01-14T20:55Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-investigation-leads-arrest-ward-county-man-fraud</loc><lastmod>2019-01-15T18:38Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/kelsch-joins-insurance-department</loc><lastmod>2019-01-15T18:41Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-reaches-15-million-agreement-ameriprise</loc><lastmod>2019-01-15T18:39Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/commissioner-godfread-provides-aca-reform-recommendation-congress</loc><lastmod>2019-01-15T18:42Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-godfread-appoints-ubben-and-ost-first-day-office</loc><lastmod>2019-01-15T18:43Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/consumers/medicare/medicare-advantage-plans</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/consumers/medicare/medicare-supplement/medicare-supplement-faq</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/tools-legal/market-conduct-examinations</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/news/godfread-nominated-federal-air-ambulance-billing-advisory-committee-judge-issues-split</loc><lastmod>2019-01-29T14:46Z</lastmod><changefreq>never</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-credit-reinsurance-annual-financial-reporting-multiple-employer-welfare</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-annuity-tables</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-defense-expenses-within-limit-liability-provisions</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-boilers</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-accounting-practices-and-procedures-unclaimed-life-insurance-benefits</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-licensing-administrators-and-insurance-continuing-education-accounting</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-medicare-supplement</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-producer-licensing-insurance-continuing-education-variable-life</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-pre-need-life-insurance</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-licensing-insurance-producers-ce-and-prelicensure-education-unfair-sex</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-self-insurance-pools</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-medicare-supplement-0</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-producer-ce-requirements-no-fault-company-advertising-certification</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-meeting-anhydrous-ammonia-nurse-tank-and-storage-container-lock-pilot-program</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-notice-intent-enact-administrative-rules-anhydrous-ammonia-nurse-tank-and-storage-container</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/final-rules-anhydrous-ammonia-nurse-tank-and-storage-container-lock-pilot-program</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/tools-legal/insurance-company-abstract-search</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-intent-enact-administrative-rules-privacy</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-intent-amend-administrative-rules-clearing-corporations-and-federal-reserve-2001-cso</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/reciprocal-states-notices</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-investigation-leads-fraud-conviction-williston-chiropractor</loc><lastmod>2019-02-12T19:50Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/good-friday-ndid-offices-closed</loc><lastmod>2019-02-27T18:00Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/hb-1106-relating-invisible-reinsurance-pool-passes-house-unanimous-vote</loc><lastmod>2019-02-21T14:31Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/national-flood-insurance-program-nfip-producer-training</loc><lastmod>2019-03-21T19:10Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/privacy-policy</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/disclaimer</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/security-policy</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/accessibility</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/reinsurance-association-north-dakota</loc><lastmod>2026-02-10T16:53Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-opens-public-comment-period-proposed-state-reinsurance-program</loc><lastmod>2019-04-05T13:38Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/proposed-north-dakota-reinsurance-program-public-meeting-fargo</loc><lastmod>2019-04-05T13:46Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/proposed-north-dakota-reinsurance-program-public-meeting-bismarck</loc><lastmod>2019-04-05T13:45Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/consumers/medicare/other-resources</loc><lastmod>2026-03-18T21:02Z</lastmod><changefreq>weekly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/burgum-signs-bill-establishing-reinsurance-north-dakotas-individual-health-insurance-market</loc><lastmod>2019-04-22T18:02Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-producer-forums-jamestown</loc><lastmod>2019-04-24T16:26Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-producer-forums-grand-forks</loc><lastmod>2019-04-24T16:28Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-producer-forums-west-fargo</loc><lastmod>2019-04-24T16:29Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-producer-forums-dickinson</loc><lastmod>2019-04-24T16:30Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-producer-forums-williston</loc><lastmod>2019-04-24T16:32Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-producer-forums-minot</loc><lastmod>2019-04-24T16:33Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-producer-forums-bismarck</loc><lastmod>2019-04-24T16:34Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/north-dakota-insurance-department-locations-closed</loc><lastmod>2019-05-23T20:49Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-files-fraud-charges-against-two-individuals-totaling-nearly-29000</loc><lastmod>2019-07-01T15:22Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/producers/other-licenses/public-adjuster</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-first-state-agency-north-dakota-launch-livechat-redesigned-website</loc><lastmod>2019-07-01T15:21Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-fines-blue-cross-blue-shield-north-dakota-125000-result-market-conduct</loc><lastmod>2019-07-10T17:39Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-urges-senate-pass-legislation-protecting-consumers-air-ambulance</loc><lastmod>2019-07-11T12:59Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-licensing-insurance-producers-surplus-lines-insurance-producers-and</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-announces-federal-approval-state-based-reinsurance-program-individual-health</loc><lastmod>2019-08-01T14:59Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-medicare-part-d-annual-enrollment-event-grand-forks</loc><lastmod>2019-09-10T21:32Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-medicare-part-d-annual-enrollment-event-fargo</loc><lastmod>2019-09-10T21:32Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-medicare-part-d-annual-enrollment-event-valley-city</loc><lastmod>2019-09-10T21:33Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-medicare-part-d-annual-enrollment-event-jamestown</loc><lastmod>2019-09-10T21:35Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-medicare-part-d-annual-enrollment-event-dickinson</loc><lastmod>2019-09-10T21:36Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-medicare-part-d-annual-enrollment-event-williston</loc><lastmod>2019-09-10T21:36Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-medicare-part-d-annual-enrollment-event-minot</loc><lastmod>2019-09-10T21:37Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-medicare-part-d-annual-enrollment-event-minot-0</loc><lastmod>2019-09-10T21:37Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/2019-medicare-part-d-annual-enrollment-event-bismarck</loc><lastmod>2019-10-25T20:13Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/companies/company-licensing/discount-plan-organization</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-appoints-arnold-deputy-insurance-commissioner-and-palsgraaf-general-counsel</loc><lastmod>2019-09-17T14:34Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-investigation-leads-fraud-conviction-bismarck-man</loc><lastmod>2019-09-20T14:00Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/mission</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-announces-decrease-20-percent-average-individual-health-insurance-rates-reinsurance</loc><lastmod>2019-10-02T21:30Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/page-not-found</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/2019-medicare-part-d-annual-enrollment-events-include-extended-hours-fargo-minot-and-bismarck</loc><lastmod>2019-10-09T14:22Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/annual-crop-hail-insurance-public-meeting</loc><lastmod>2019-10-18T15:06Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/ndid-offices-closed</loc><lastmod>2019-11-05T21:08Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/ndid-offices-closed-0</loc><lastmod>2019-11-05T21:33Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-claims-worlds-tallest-politician-title-brooklyn-city-councilman</loc><lastmod>2019-11-12T14:59Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-presents-health-insurance-report-health-care-committee-grand-forks</loc><lastmod>2019-11-21T21:02Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/social-media-policy</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/ndid-offices-closed-1</loc><lastmod>2019-12-16T16:47Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/open-enrollment-period-extended-will-end-december-18</loc><lastmod>2019-12-16T21:35Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/ndid-offices-closed-2</loc><lastmod>2019-12-27T17:04Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/consumers/medicare/medicare-supplement/medicare-supplement-plan-comparison</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/nfip-producer-flood-training-flood-insurance-101</loc><lastmod>2020-01-31T18:47Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/nfip-producer-flood-training-producer-post-disaster-briefing</loc><lastmod>2020-01-31T18:50Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/ndid-offices-closed-3</loc><lastmod>2020-01-13T17:05Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-urges-consumers-not-wait-purchase-flood-insurance</loc><lastmod>2020-01-21T15:09Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-issues-cease-and-desist-air-ambulance-company-breaking-north-dakota-law</loc><lastmod>2020-02-13T20:46Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/ndid-offices-closed-4</loc><lastmod>2020-02-11T16:13Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-collaborates-aais-and-ibm-bring-new-data-solution-north-dakota</loc><lastmod>2020-02-26T14:35Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-issues-bulletin-supporting-coverage-coronavirus-covd-19-testing</loc><lastmod>2020-03-11T14:32Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/ndid-office-locations-no-longer-taking-walk-traffic-until-may-1-2020</loc><lastmod>2020-03-17T21:36Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/covid-19-coronavirus-and-insurance</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-issues-bulletins-protect-north-dakotans-during-covid-19-pandemic</loc><lastmod>2026-03-25T20:38Z</lastmod><changefreq>daily</changefreq></url>
<url><loc>https://www.insurance.nd.gov/events/ndid-offices-closed-5</loc><lastmod>2020-04-06T16:47Z</lastmod><changefreq>never</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-encourages-nfip-policyholders-take-advantage-grace-period-extension</loc><lastmod>2020-04-07T13:37Z</lastmod><changefreq>never</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/news/insurance-commissioner-issues-bulletin-addressing-coverage-covid-19-testing-including-antibody</loc><lastmod>2020-05-18T16:03Z</lastmod><changefreq>never</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/about-us/careers</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/news/godfread-presents-first-its-kind-health-care-study-health-care-committee</loc><lastmod>2020-09-10T14:06Z</lastmod><changefreq>never</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/consumers/medicare/medicare-part-d/medicare-part-d-open-enrollment</loc><lastmod>2026-03-24T16:32Z</lastmod><changefreq>weekly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/insurance-department-begin-scheduling-medicare-part-d-counseling-appointments-oct-5</loc><lastmod>2020-10-01T14:01Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-announces-approved-2021-health-insurance-rates</loc><lastmod>2020-10-21T13:01Z</lastmod><changefreq>never</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-premium-tax-payments-estimates-principle-based-valuation-long-term-care</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/notice-proposed-rulemaking-credit-reinsurance-model-regulation-term-and-universal-life-insurance</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/news/godfread-announces-approved-2022-health-insurance-rates</loc><lastmod>2021-10-19T15:46Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-issues-statement-sanford-executive-payouts</loc><lastmod>2021-11-29T15:56Z</lastmod><changefreq>never</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/subscribe-health-care-reform-news</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/policyholder-contacts</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/rate-review</loc><lastmod>2019-05-19T19:06Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/home-covid-test-reimbursement-information</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/request-meeting</loc><lastmod>2019-05-19T19:06Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/news/godfread-signs-letter-asking-congress-medicare-advantage-plan-marketing-authority</loc><lastmod>2022-05-17T16:12Z</lastmod><changefreq>never</changefreq></url>
<url><loc>https://www.insurance.nd.gov/consumers</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/about-us/commissioner-jon-godfread</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
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<url><loc>https://www.insurance.nd.gov/educational-materials</loc><lastmod>2026-02-06T20:11Z</lastmod><changefreq>monthly</changefreq></url>
<url><loc>https://www.insurance.nd.gov/consumers/insurance/auto</loc><lastmod>2026-03-25T20:52Z</lastmod><changefreq>daily</changefreq></url>
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