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      <image:title>Blog - This Morning Routine Will Improve Your Mood</image:title>
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    <loc>https://www.kginsurancecollective.com/blog/how-to-take-an-effective-mental-health-day-3d7t8</loc>
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      <image:title>Blog - How to Take An Effective Mental Health Day&amp;nbsp;</image:title>
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    <loc>https://www.kginsurancecollective.com/blog/the-beginners-guide-to-meditation-srnp4</loc>
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    <lastmod>2020-08-13</lastmod>
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      <image:title>Blog - The Beginners Guide to Meditation</image:title>
      <image:caption>Scenic shot of the beach with waves hitting the rocks.</image:caption>
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    <loc>https://www.kginsurancecollective.com/blog/exercises-to-calm-your-anxious-thoughts-57jff</loc>
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    <lastmod>2020-08-13</lastmod>
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      <image:title>Blog - Exercises To Calm Your Anxious Thoughts</image:title>
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    <lastmod>2021-08-26</lastmod>
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      <image:title>How we can help - 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>
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      <image:title>How we can help - 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>
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      <image:title>How we can help</image:title>
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      <image:title>How we can help</image:title>
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      <image:title>How we can help</image:title>
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      <image:title>How we can help</image:title>
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      <image:title>How we can help - “We were wanting to look at a different Medicare plan than the one we had enrolled in. Kirstie came to our home and discussed the difference of benefits in each plan. She provided a no pressure comparison, pointing out the benefits of each plan for our situation. I highly recommend Kirstie, she knows her stuff and wants us to be satisfied!”</image:title>
      <image:caption>— BOB AND KATHY</image:caption>
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    <loc>https://www.kginsurancecollective.com/how-it-works</loc>
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    <lastmod>2021-06-01</lastmod>
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    <lastmod>2021-08-10</lastmod>
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      <image:title>Home - I was born and raised in Southern California and moved back to Irvine after the birth of my first child to be surrounded by my family. Growing up as one of five children, I value family and community. I am so lucky to be able to see my parents, grandmother, brother, sisters, niece and nephews on a weekly basis.</image:title>
      <image:caption>Working as an ICU nurse since 2008 has made me understand the value of health and its effects on personal relationships. My goal is to understand your specific needs and link them with a plan that will provide you with the coverage you deserve.</image:caption>
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      <image:title>Home - 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>
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  <url>
    <loc>https://www.kginsurancecollective.com/contact</loc>
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    <lastmod>2021-08-10</lastmod>
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  <url>
    <loc>https://www.kginsurancecollective.com/understanding-medicare</loc>
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    <lastmod>2021-05-31</lastmod>
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    <loc>https://www.kginsurancecollective.com/privacy</loc>
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    <lastmod>2021-06-01</lastmod>
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  <url>
    <loc>https://www.kginsurancecollective.com/aep</loc>
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    <lastmod>2021-10-05</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60ac7bfd8b43fa31faa637c9/1633408577114-PS0XY9I0IW0N32RDODEJ/Untitled+design+-+2021-10-05T153608.200.png</image:loc>
      <image:title>Annual Enrollment Period - Key dates:</image:title>
      <image:caption>If you are on a Medicare plan, your "Annual Notice of Changes" for 2022 should be in your mailbox no later than September 30th. On October 1st, you will be able to compare the 2022 plans with your current plan to see how coverage may (or may not) change. On October 15th, if your needs have changed and you want a different plan for next year, you can switch to a new plan. Annual Enrollment Period (AEP) ends on December 7th. This is the last day you can join a new plan for next year.</image:caption>
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      <image:title>Annual Enrollment Period - What changes can I make during AEP?</image:title>
      <image:caption>What you can change is dependent on your current plan, but you may be able to make changes such as: Drop your Medicare Advantage Plan and go back to Original Medicare. Add or change your prescription drug coverage (Part D). Switch from one Medicare Advantage Plan to another. Join a Medicare Advantage plan (Part C) with our without build-in drug coverage.</image:caption>
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