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  sitemap.xml — I-SUP (아이숲) 사이트맵
  도메인: https://i-sup.co.kr
  생성일: 2026-04-16 / 갱신: 2026-05-12 (서비스 소개서 /intro 추가)

  우선순위(priority) 기준:
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    0.8 — 블로그 목록, 고객 지원, 메뉴얼 (콘텐츠·서비스 핵심)
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    daily   — 블로그 (포스트 추가 시 갱신)

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  <!-- ===== 서비스 페이지 ===== -->
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    <lastmod>2026-05-12</lastmod>
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    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- 기능 안내 허브 + 기능별 상세 (2026-05-12 추가) -->
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    <lastmod>2026-05-12</lastmod>
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    <lastmod>2026-05-12</lastmod>
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    <lastmod>2026-05-12</lastmod>
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    <lastmod>2026-05-12</lastmod>
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    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-05-12</lastmod>
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  <!-- 가이드 (개념·하우투, 2026-05-13 추가) -->
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    <lastmod>2026-05-13</lastmod>
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    <lastmod>2026-05-13</lastmod>
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    <lastmod>2026-05-13</lastmod>
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    <lastmod>2026-04-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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    <lastmod>2026-04-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <!-- ===== 블로그 ===== -->
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    <lastmod>2026-08-31</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
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  <!-- [신규 2026-08-27] 갱신형 vs 비갱신형 보험 상품 비교 가이드 — 총납입액 시뮬레이션 3가지 케이스(20·30·40년)와 상담 4단계 동선 (A/B 미커버, 상품 유형 비교 축) -->
  <url>
    <loc>https://i-sup.co.kr/blog/renewal-vs-non-renewal-premium-guide</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- [신규 2026-08-26] 골절진단비 특약 실무 가이드 — 상해·재해 구분·상품별 별표 지급 제외·특정 부위 특약 3갈래와 청약·청구 4단계 동선 (A/B 미커버 특약 시리즈 확장) -->
  <url>
    <loc>https://i-sup.co.kr/blog/fracture-diagnosis-benefit-rider-guide</loc>
    <lastmod>2026-08-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-08-19] 치매·중증치매 진단금 특약 실무 가이드 — CDR 척도·상병코드 F00~F03·90일 면책과 1~2년 감액, 설계사가 청약·청구 옆에서 챙길 4단계 동선 (A/B 미커버, 시니어 상담 축 + 특약 시리즈 확장 · 지정대리청구인·노인장기요양보험 등급과의 차이 포함) -->
  <url>
    <loc>https://i-sup.co.kr/blog/dementia-diagnosis-benefit-rider-guide</loc>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-08-18] 보험금 지급지연 이자 실무 가이드 — 상법 제658조·표준약관 3영업일과 지연이자율·30/60/90일 가산금리, 설계사가 청구 옆에서 챙길 4단계 동선 (A잠재 미커버, 청구 실무 시리즈 확장 · 보험계약대출이율 기반 지연이자·조사 창 처리) -->
  <url>
    <loc>https://i-sup.co.kr/blog/insurance-payment-delay-interest-guide</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-08-16] 20년 넘게 남는 설계사는 무엇이 다른가 — 오래 가는 사람들의 5가지 작은 마음 습관과 오늘 밤부터의 4단계 실행판 (동기부여 · 장기 커리어 마인드셋, 최근 10편 중 동기부여 1편뿐이라 2편 미만 룰 적용, 미커버 축) -->
  <url>
    <loc>https://i-sup.co.kr/blog/long-term-agent-career-daily-habits-guide</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- [신규 2026-08-15] 저해지·무해지환급형 종신·건강보험 상품 실무 가이드 (완납 전 해지 시 환급 0원 구조·금감원 반복 소비자경보·위법계약해지 리스크·청약 옆 4단계 동선, A/B 미커버 컴플라이언스·판매절차 정면) -->
  <url>
    <loc>https://i-sup.co.kr/blog/low-no-surrender-value-product-guide</loc>
    <lastmod>2026-08-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-08-14] 유사암·제자리암·소액암 지급률 실무 가이드 (금감원 2022.7 20% 룰과 상피내암 D00~D09·경계성 D37~D48·기타피부암 C44·갑상선암 C73 4개 유형 지급 구조, 암 진단금 시리즈 심화) -->
  <url>
    <loc>https://i-sup.co.kr/blog/similar-cancer-payout-ratio-guide</loc>
    <lastmod>2026-08-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-08-13] 보험료 납입면제 특약 실무 가이드 (후유장해 50%·CI·3대 진단 3층 발동 요건과 P/N 타입, 상품별 확인 필요 원칙 명시) -->
  <url>
    <loc>https://i-sup.co.kr/blog/premium-payment-waiver-rider-guide</loc>
    <lastmod>2026-08-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-08-12] 고지의무 vs 통지의무 실무 가이드 (상법 제651·652·653·657조 시간축 시리즈 결정판) -->
  <url>
    <loc>https://i-sup.co.kr/blog/insurance-disclosure-vs-notice-duty-guide</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- [신규 2026-08-11] 가족 상담 마음 사용법 7가지 (동기부여 트랙 · 배우자·부모·형제) -->
  <url>
    <loc>https://i-sup.co.kr/blog/family-insurance-consultation-mindset</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-08-04] 보험 설계사 첫 100일 서바이벌 가이드 (동기부여 트랙, 신입 적응기 축) -->
  <url>
    <loc>https://i-sup.co.kr/blog/new-agent-first-100-days-survival-guide</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-18] 뇌졸중·뇌경색 진단확정 실무 가이드 — 상병코드 I60~I69·MRI·병력 근거 (실무 트랙, 진단확정 시리즈) -->
  <url>
    <loc>https://i-sup.co.kr/blog/stroke-diagnosis-confirmation-guide</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-17] 보험금 청구권 소멸시효 3년 실무 가이드 — 상법 제662조 기산점·중단 사유와 청구 4단계 동선 (실무 트랙) -->
  <url>
    <loc>https://i-sup.co.kr/blog/insurance-claim-statute-limitation-guide</loc>
    <lastmod>2026-07-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-16] 암 진단확정 실무 가이드 — 병리조직검사·확정진단 시점과 청구 4단계 동선 (실무 트랙) -->
  <url>
    <loc>https://i-sup.co.kr/blog/cancer-diagnosis-confirmation-guide</loc>
    <lastmod>2026-07-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-15] 거절 다음 날 아침을 여는 법 — 설계사의 24시간 감정 회복 루틴 7가지 (동기부여 트랙) -->
  <url>
    <loc>https://i-sup.co.kr/blog/agent-rejection-recovery-24hour-routine</loc>
    <lastmod>2026-07-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-10] 설계사, 이 일을 계속해야 할까 — 흔들리는 밤에 다시 찾는 5가지 이유 (동기부여 트랙) -->
  <url>
    <loc>https://i-sup.co.kr/blog/why-keep-doing-this-job</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-09] 변액보험 펀드 스위칭 실전 가이드 — B키워드 '변액보험 특별계정 펀드 변경 스위칭' 정면 커버 -->
  <url>
    <loc>https://i-sup.co.kr/blog/variable-insurance-fund-switching-guide</loc>
    <lastmod>2026-07-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-08] 보험 판매수수료 분급제 실무 정리 — B키워드 '분급제' 정면 커버 -->
  <url>
    <loc>https://i-sup.co.kr/blog/commission-installment-2027-guide</loc>
    <lastmod>2026-07-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-07] 자보 경상환자 향후치료비 개편안 대응 — B키워드 시의성 -->
  <url>
    <loc>https://i-sup.co.kr/blog/minor-injury-future-treatment-limit-guide</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-06] 미필적 고의와 보험금 지급 — A키워드 '미필적 고의' 커버 -->
  <url>
    <loc>https://i-sup.co.kr/blog/willful-misconduct-insurance-guide</loc>
    <lastmod>2026-07-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-05] 품질보증해지(품보해지) 3개월 룰 — A키워드 '품보해지' 커버 -->
  <url>
    <loc>https://i-sup.co.kr/blog/quality-guarantee-cancellation-guide</loc>
    <lastmod>2026-07-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-04] 보상 케이스(B트랙 시범) — 고지의무·인과관계 케이스 스터디 -->
  <url>
    <loc>https://i-sup.co.kr/blog/nondisclosure-causation-payout-case</loc>
    <lastmod>2026-07-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-07-04] 고지의무·통지의무 차이 실무 가이드 — 알릴의무 A키워드 -->
  <url>
    <loc>https://i-sup.co.kr/blog/disclosure-vs-notice-duty-guide</loc>
    <lastmod>2026-07-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [신규 2026-06-30] 고지의무 분석 프로그램 — 구매의도 키워드 타겟 글 -->
  <url>
    <loc>https://i-sup.co.kr/blog/disclosure-analysis-program-guide</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/blog/insurance-tax-deduction-guide</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/blog/term-vs-whole-life</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/blog/loss-insurance-claim-guide</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/blog/customer-retention-tips</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/blog/hira-health-records</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/blog/consulting-workflow</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/blog/privacy-consent-guide</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/blog/update-v1</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/blog/children-insurance-guide</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/blog/insurance-remodeling-guide</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/blog/objection-handling-techniques</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/blog/cancer-insurance-guide</loc>
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    <loc>https://i-sup.co.kr/precedents/auto-loss-ratio-agreement-subrogation</loc>
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  <!-- [추가 — 2026-08-23] 화재보험 위험 증가 통지의무·해지권 기산점(2011다23743, 2011.07.28, 대법원)·부부형 보험 종피보험자 자격 상실 약관 명시설명의무 예외(2010다96454, 2011.03.24, 대법원)·근이양증 진단 후 체결 보험도 사고 미발생이면 유효(2010다66835, 2010.12.09, 대법원) 3건 추가. -->
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  <!-- [추가 — 2026-08-18] 반복 사용 약관 설명의무(2012다16926, 2012.06.28, 대법원)·직장유암종 KCD 별표상 '암' 해당(2011다13968, 2012.05.24, 대법원)·자동차종합보험 계약 성립 청약·승낙 요건(2010다10689, 2012.04.26, 대법원) 3건 추가. -->
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    <lastmod>2026-08-18</lastmod>
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  <!-- [추가 — 2026-08-17] 공동수급체 하자보수보증보험 변제자대위·시효(2012다25432, 2015.03.26, 대법원)·재해 후 사망 장해·사망보험금 중복지급 배제(2011다45736, 2013.05.23, 대법원)·오토바이 소유 비고지 보험자 자사 자동차보험 이력 악의(2009다20451, 2011.12.08, 대법원) 3건 추가. -->
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    <lastmod>2026-08-17</lastmod>
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  <!-- [추가 — 2026-08-16] 외과적 수술 면책조항 취지·설명의무(2013다22058, 2013.06.28, 대법원)·냉동창고 잔여공사 미고지 화재보험 고지의무(2010다38663, 2012.11.29, 대법원)·성립 시점 기준 고지의무(2010다78135, 2012.08.23, 대법원) 3건 추가. -->
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    <lastmod>2026-08-11</lastmod>
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    <priority>0.7</priority>
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    <lastmod>2026-08-11</lastmod>
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    <lastmod>2026-08-09</lastmod>
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    <lastmod>2026-08-08</lastmod>
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    <lastmod>2026-08-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-08-06] 직업 미고지 통지의무 불성립(광주지법 2022가합50361, 2023.09.14)·갑상선 원발부위 특약 설명의무 인정(서울중앙 2022나34205, 2023.06.07)·부정(부산지법 2022나59325, 2023.05.24) 3건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/job-nondisclosure-not-post-notice</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/thyroid-primary-site-explanation-required</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/thyroid-primary-site-explanation-not-required</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-08-03] 정신질환 이력 없는 업무 과로 자살 재해사망 인정(2019가단36369, 2020.06.05, 창원지법 진주지원)·도장업체 대표 직업 ‘대표’ 기재 불실 아님(2017나2068067, 2018.07.04, 서울고법) 2건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-overwork-brief-loss</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/owner-title-disclosure-not-breach</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-29] 선박공제 해상 고유의 위험 근인·부보위험 증명책임(2016다270407, 2017.06.19, 대법원) 1건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/marine-hull-perils-of-seas-proof</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-28] 상해보험 180일 요건은 장해 발생 시점 기준(2013다43956,43963, 2014.07.24, 대법원)·이행보증보험 어음 지급기일 = 이행기(2011다101599, 2014.06.26, 대법원)·상해보험 기왕장해 공제 특약 유효(2012다25890, 2013.10.11, 대법원) 3건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/disability-onset-180day-diagnosis-later</loc>
    <lastmod>2026-07-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/performance-bond-note-payment-due-date</loc>
    <lastmod>2026-07-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/prior-disability-deduction-clause-valid</loc>
    <lastmod>2026-07-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-27] 피보험자 서면동의 철회·임직원 퇴직 사정변경(2011다101520, 2013.11.14, 대법원)·단체보험 유효요건 미설명 회사 배상책임(2012다91590, 2013.08.22, 대법원)·15세 미만 사망보험 무효 + 장해담보 일부유효(2011다9068, 2013.04.26, 대법원) 3건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/insured-consent-withdrawal-retirement</loc>
    <lastmod>2026-07-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/group-insurance-agent-liability-102</loc>
    <lastmod>2026-07-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/minor-death-insurance-partial-valid</loc>
    <lastmod>2026-07-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-26] 다수보험 부정취득 목적 판단 기준(2015다206461, 2016.01.14, 대법원)·보험금 청구 후 6개월 최고 시효중단 기산점(2012다35620, 2014.12.24, 대법원)·설명의무 위반 손해액 산정(2012다22242, 2014.10.27, 대법원) 3건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/multi-insurance-fraud-purpose-inference</loc>
    <lastmod>2026-07-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/claim-6month-suspend-inquiry-pending</loc>
    <lastmod>2026-07-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/explanation-duty-breach-damage-calc</loc>
    <lastmod>2026-07-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-25] 동성 결합 상대방 건강보험 피부양자 배제 처분 위법 — 확립된 행정관행에도 헌법상 평등원칙 적용(2023두36800, 2024.07.18, 대법원 전원합의체) 1건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/same-sex-partner-health-dependent</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-24] 이동통신 부가서비스 연계 손해보험 '출고가' 시장 공개가격 해석·업무약정 우선(2016다224428, 2019.12.27, 대법원) 1건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/affiliate-insurance-list-price-scope</loc>
    <lastmod>2026-07-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-23] 국민건강보험 대위 범위 전원합의체(2018다287935, 2021.03.18, 대법원)·우울증 자살 정신과 소견(2017다281367, 2021.02.04, 대법원)·선체보험 영국법 노출되지 않은 본인(2017다208232, 2019.12.27, 대법원) 3건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/nhis-subrogation-fault-limit-en-banc</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-depression-psychiatrist-opinion</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/marine-hull-undisclosed-principal</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-22] 우울·알코올 사용장애 병존 자살(2025다210853, 2025.06.26, 대법원)·우울증 이력+자살 직전 음주(2022다238800, 2023.05.18, 대법원) 2건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-depression-alcohol-payout</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-drinking-moment-behavior</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-20] 책임보험 집행공탁 직접청구권 대항불가(2014다207672, 대법원)·안전띠 미착용 감액약관 원칙적 무효(2012다204808, 대법원)·건강검진 수면내시경 면책 대상 아님(2012다76553, 대법원) 3건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/direct-claim-execution-deposit-nonopposable</loc>
    <lastmod>2026-07-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/seatbelt-nonuse-reduction-clause-void</loc>
    <lastmod>2026-07-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/health-checkup-endoscopy-exclusion-scope</loc>
    <lastmod>2026-07-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-18] 의료법인 명의 의료기관 중복 개설·운영 판단 기준(2020도949, 대법원 형사)·의사 무면허 의료 공동정범 재확인(2024도3736, 대법원 형사) 2건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/medical-corp-dual-control-standard</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/doctor-unlicensed-medical-coprincipal</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-17] 다른 자동차 운전담보 특약 부모 공동소유차(2015다228553)·자살 소멸시효 진상규명위 결정(2015다30398)·상해보험 고소작업차 탑승중 교통사고(2014다73053) 3건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/other-auto-drive-parent-coowned</loc>
    <lastmod>2026-07-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-military-abuse-prescription</loc>
    <lastmod>2026-07-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/boarding-accident-aerial-work-vehicle</loc>
    <lastmod>2026-07-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-15] 이륜차 부담보특약 예외조건 설계사 오안내 손해배상(2020나12264, 울산지법)·무보험자동차 특약 구상금·한정승인 상계(2020가단56283, 전주지법 군산지원) 2건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/motorcycle-exclusion-agent-tort</loc>
    <lastmod>2026-07-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/uninsured-motorist-heir-offset</loc>
    <lastmod>2026-07-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-14] 화물배상책임보험 이행보조자·청구요건(2015다246186, 대법원) 1건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/cargo-liability-forwarder-aid</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-11] 가압류 담보 공탁보증보험 항소심 집행권원(2025나5209, 서울중앙지법)·전동킥보드 원인 조작 보험사기(2024도11951, 대법원 형사)·W-bond 보증범위 문언 해석(2021다220628, 대법원) 3건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/attachment-deposit-surety-execution-title</loc>
    <lastmod>2026-07-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/insurance-fraud-cause-fabrication</loc>
    <lastmod>2026-07-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/warranty-bond-scope-all-obligations</loc>
    <lastmod>2026-07-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-10] 공탁보증보험 집행권원(2023가단5490134, 서울중앙지법)·교통재해 보험기간 중 재해·종료 후 사망(2023가단5494600, 서울중앙지법)·우울증 계획적 자살 자유의사(2021다297352, 대법원) 3건 추가. 판례 ID 기반 dedup 추가 후 1095일 확장에서 실무 시사점 있는 신규 3건 확보. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/surety-bond-execution-title-required</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/traffic-disaster-in-period-death-after</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-depression-planned-free-decision</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-08] 직장 유암종 약관상 '암' 해당·작성자 불이익 원칙(2017다285109, 2018.07.24, 대법원) 1건 추가. 오늘 유효 신규 대법원 1건만 확보. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/rectal-carcinoid-cancer-classification</loc>
    <lastmod>2026-07-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-05-19] 판례 브리프 단일 판례형 19건 (law.go.kr OPEN API 기반). 선고일 내림차순. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/agent-personal-info-criminal</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/auto-insurance-deductible-claim</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/medical-corp-fraud-health-insurance</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/unlawful-medical-practice-health-insurance</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/annuity-disclosure-duty</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/insurance-payout-2022da308747</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/insurance-payout-2024da308970</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/agent-commission-after-termination</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/agent-fraud-fake-policy</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/insurance-fraud-prevention-act</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/insurance-payout-2025da207128</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/insurance-lawsuit-2022gahap107693</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/notify-duty-motorcycle-use</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/civil-complaint-recovery-rule</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/insurance-payout-2024da301832</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/performance-bond-claim</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/debt-nonexistence-confirmation</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/insurance-payout-2025da203058</loc>
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    <lastmod>2026-05-19</lastmod>
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    <priority>0.7</priority>
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  <!-- [추가 — 2026-05-21] 판례 브리프 3건 (law.go.kr OPEN API 기반). -->
  <url>
    <loc>https://i-sup.co.kr/precedents/workers-comp-subrogation-third-party</loc>
    <lastmod>2026-05-21</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-05-21</lastmod>
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  <!-- [추가 — 2026-05-22] 판례 브리프 3건: 교통재해 사망보험금(2025다211789)·암 원발부위 설명의무(2023다274056)·직업 고지 보장제한(2024다313941). -->
  <url>
    <loc>https://i-sup.co.kr/precedents/traffic-disaster-death-benefit</loc>
    <lastmod>2026-05-22</lastmod>
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    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/thyroid-cancer-primary-site-duty</loc>
    <lastmod>2026-05-22</lastmod>
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    <priority>0.7</priority>
  </url>

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    <loc>https://i-sup.co.kr/precedents/occupation-disclosure-coverage-limit</loc>
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    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/health-insurer-subrogation-auto-liability</loc>
    <lastmod>2026-05-23</lastmod>
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    <priority>0.7</priority>
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    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/auto-medical-fee-review-agreement</loc>
    <lastmod>2026-05-23</lastmod>
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  <!-- [추가 — 2026-05-24] 백내장 입원의료비·생명보험 수익자 재지정·고지의무 인과관계 3건. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/cataract-hospitalization-claim</loc>
    <lastmod>2026-05-24</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-05-24</lastmod>
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  <!-- [추가 — 2026-05-25] 화재보험 보험자대위·백내장 다초점렌즈 비급여·설계사 설명의무 배상범위 3건. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/fire-insurance-subrogation-direct-claim</loc>
    <lastmod>2026-05-25</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/precedents/cataract-multifocal-lens-billing</loc>
    <lastmod>2026-05-25</lastmod>
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    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/agent-explanation-duty-full-payout</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-05-26] 판례 브리프 3건 (직업변경 통지·타인 상해보험 서면동의·위험분담제 환급금). -->
  <url>
    <loc>https://i-sup.co.kr/precedents/job-change-notice-via-agent</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/third-party-injury-consent-void</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/precedents/risk-sharing-refund-copay</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-05-27] 판례 브리프 3건 (law.go.kr OPEN API 기반). -->
  <url>
    <loc>https://i-sup.co.kr/precedents/defect-repair-bond-unfair-clause</loc>
    <lastmod>2026-05-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/precedents/insurer-subrogation-claim-prescription</loc>
    <lastmod>2026-05-27</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/precedents/disaster-liability-insurance-fault-required</loc>
    <lastmod>2026-05-27</lastmod>
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    <priority>0.7</priority>
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  <!-- [추가 2026-05-28] 신규 판례 3건 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-mental-incapacity-payout</loc>
    <lastmod>2026-05-28</lastmod>
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    <priority>0.7</priority>
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    <lastmod>2026-05-28</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/precedents/disclosure-vs-notice-duty</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- [추가 — 2026-05-29] 갑상선암 전이 차액(2023다245058)·소액사건 원발부위 분류조항 설명의무(2023다250746)·보험사기 수사 압수수색 제3자 참여 위법(2020모3326) 3건. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/cancer-payout-offset</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/precedents/small-claim-cancer-clause-duty</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/precedents/seizure-life-insurance-association</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-05-30] 외국법 준거 보험자대위·개인정보 손해배상 증명책임·승낙피보험자 보험자대위 차단 카드 3건 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/marine-insurance-subrogation-foreign-law</loc>
    <lastmod>2026-05-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/personal-info-burden-of-proof</loc>
    <lastmod>2026-05-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/permitted-insured-subrogation-bar</loc>
    <lastmod>2026-05-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-05-31] 본인부담상한액 초과 환급금 구상(2024다262197)·건보 대위와 책임보험금 우열관계(2021다305437)·자동차상해 특약 '실제손해액'(2021다206691) 3건 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/nhis-exceeded-copay-subrogation</loc>
    <lastmod>2026-05-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/nhis-subrogation-liability-priority</loc>
    <lastmod>2026-05-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/auto-injury-special-actual-loss</loc>
    <lastmod>2026-05-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-02] 장기간병요양진단비 등급판정 전 사망(2020다232709)·보험금청구권 소멸시효 180일(2019다214248)·자기신체사고 맥브라이드 평가(2022다298109) 3건 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/longterm-care-grade-before-death</loc>
    <lastmod>2026-06-02</lastmod>
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    <priority>0.7</priority>
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    <lastmod>2026-06-02</lastmod>
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    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/auto-self-injury-mcbride-method</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-03] 실손특약 본인부담상한액 환급분 보상 제외(2023다283913)·1심 인용 후 항소 번복 시 소촉법 12% 적용 시점(2023다263025)·약관 다의·작성자 불이익 원칙(2017다237988) 3건 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/medical-actual-loss-copay-cap</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/payout-delay-interest-appeal-flip</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2026-06-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- [추가 — 2026-06-04] 전세금보장신용보험 면책적 채무인수(2024다215542)·우울장애 진료 중 자살 면책 예외(2022다216312)·진단 없는 우울증 자살 면책 예외(2023다269597) 3건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/jeonse-deposit-insurance-debt-assumption</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2026-06-04</lastmod>
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    <priority>0.7</priority>
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    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- [추가 — 2026-06-05] 상해보험 외래사고 인과관계(2022다303216)·손해사정사 의료법/변호사법(2021도10046)·위탁 지점장 근로자성(2021두33715) 3건 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/accident-causation-medical-opinion-conflict</loc>
    <lastmod>2026-06-05</lastmod>
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    <priority>0.7</priority>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-06] 선원 직무상 탑승 면책·자기신체사고 용법 범위·특약 일부 실효 피보험자 최고 신규 3건 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/seafarer-duty-onboard-exclusion</loc>
    <lastmod>2026-06-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2026-06-06</lastmod>
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    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/partial-lapse-insured-notice</loc>
    <lastmod>2026-06-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-07] 전세금보장보험 묵시적 승낙(광주고법 2023나23134)·치료 중단 후 자살 면책(대법원 2022다293531) URL 2건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/jeonse-deposit-implied-consent</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-treatment-discontinuation</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-08] 보증보험 채권매수청구권(2018다208376)·한의사 처방권 환수(2017다250264)·보험사기 무효 5년 상사시효(2019다277812) 3건 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/surety-buyout-future-recourse</loc>
    <lastmod>2026-06-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
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    <lastmod>2026-06-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
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    <loc>https://i-sup.co.kr/precedents/fraud-policy-restitution-prescription</loc>
    <lastmod>2026-06-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-09] 전문직 배상책임 wilful 면책(2018다304014)·책임보험 누수 손해방지비용(2021다201085)·외과적 수술 의료과실 면책 설명의무(2020다256675) 3건 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/professional-liability-wilful-includes-conditional-intent</loc>
    <lastmod>2026-06-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
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    <loc>https://i-sup.co.kr/precedents/loss-prevention-cost-leak-repair</loc>
    <lastmod>2026-06-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/surgery-malpractice-exclusion-explanation-duty</loc>
    <lastmod>2026-06-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/subrogation-offset-limited-acceptance</loc>
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    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/professional-liability-related-error-deductible</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/disability-exemption-preventive-curative-surgery</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/disclosure-breach-1month-interim-report</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/precedents/false-hospitalization-trust-termination</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/precedents/cancer-payout-pathology-required</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- [추가 — 2026-06-13] 가혹행위·따돌림 우울증 자살 면책 예외(2020다263567)·보험사기방지법 시행 전 범행 불소급(2021도10855)·보험사 채무부존재확인의 소 확인의 이익 전합(2018다257958) 3건 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-bullying-free-decision</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/insurance-fraud-act-non-retroactive</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
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    <loc>https://i-sup.co.kr/precedents/insurer-negative-declaration-en-banc</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
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  <url>
    <loc>https://i-sup.co.kr/precedents/kickboard-exclusion-explanation-required</loc>
    <lastmod>2026-06-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/spine-aggravation-current-injury-only</loc>
    <lastmod>2026-06-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/medical-negligence-disaster-weekday</loc>
    <lastmod>2026-06-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-16] 보증보험 집행권원·약관 일의적 해석·음주운전 가중처벌 위헌 후 적용 법조 3건 추가 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/surety-insurance-execution-title</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/unambiguous-clause-strict-interpretation</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/drunk-driving-aggravated-unconstitutional</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/claims-made-written-notice-explanation-duty</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/group-insurance-beneficiary-designation</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/fetus-insured-injury-policy-validity</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- [추가 — 2026-06-18] 판례 브리프 3건 (자살 중증우울증·생명보험 계약자 지위 유증·부당청구 신뢰관계 파괴 전체해지) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-severe-depression-medical-evidence</loc>
    <lastmod>2026-06-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/life-insurance-policyholder-bequest-consent</loc>
    <lastmod>2026-06-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/false-claim-trust-loss-full-termination</loc>
    <lastmod>2026-06-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- [추가 — 2026-06-19] 보험설계사 민원해지 100% 수당 환수규정 약관규제법 부당 불리 (2023다309679) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/agent-commission-clawback-complaint-unfair</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- [추가 — 2026-06-20] 자보 진료수가 진료실시 의료기관 직접청구 (2019다279962) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/auto-medical-fee-direct-claim-treating-clinic</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- [추가 — 2026-06-20] 상해보험 외과적 수술 면책 미용시술 (2016다258063) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/accident-insurance-cosmetic-surgery-exclusion</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- [추가 — 2026-06-20] 자보 관용차 면책약관·공무원연금 (2017다16174) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/auto-insurance-government-vehicle-exclusion</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-21] 진폐 유족급여 평균임금 산정사유(2024두36401)·선별급여 변경 고시 적법(2024두45788)·공동개설 의료기관 자격정지 시 요양급여 청구 불가(2021두58202) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/pneumoconiosis-survivor-benefit-average-wage</loc>
    <lastmod>2026-06-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/selective-coverage-drug-notice-procedure</loc>
    <lastmod>2026-06-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/joint-clinic-license-suspension-claim-bar</loc>
    <lastmod>2026-06-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-23] 10년 확장 단계 신규 대법원 후보 3건: 고지의무 중과실(2018다281241)·외래의 사고 질병 공존(2018다228356)·법정상속인 수익자 상속분(2015다236820). -->
  <url>
    <loc>https://i-sup.co.kr/precedents/disclosure-gross-negligence-pretest-symptom</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/external-accident-with-pre-existing-disease</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/legal-heir-beneficiary-share-by-inheritance</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-24] 하급심 신규 후보 2건: 외국인 배우자 서면동의 진정성(2016가합550030)·요양병원 음식물 질식 외래사고(2019가합569578). -->
  <url>
    <loc>https://i-sup.co.kr/precedents/foreign-spouse-life-insurance-genuine-consent</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/nursing-home-choking-external-accident</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/precedents/manual-therapy-old-copay-cap</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-28] 보증신용장 형식주의·권리남용(2021다215909, 2022.07.28) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/standby-lc-formality-abuse</loc>
    <lastmod>2026-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-28] 근로복지공단 위자료 대위 불가(2017다231119, 2017.10.12) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/comp-fund-pain-suffering-no-subrogation</loc>
    <lastmod>2026-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-28] 자손사고·승객 면책의 '자살행위' 해석(2016다216953, 2017.07.18) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/auto-self-injury-fall-not-suicide</loc>
    <lastmod>2026-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-29] 차명 보험계약자 결정·설명의무 면제 가능성(2015다226519, 2016.12.29) — 3650일 확장 단계에서 단일 신규 쟁점 1건 확보 -->
  <url>
    <loc>https://i-sup.co.kr/precedents/borrowed-name-policyholder</loc>
    <lastmod>2026-06-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-30] 계약이행보증보험 보험사고·회생절차개시신청만으로는 채무불이행 단정 불가(2016다225308, 2020.03.12) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/performance-bond-rehabilitation-not-default</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-06-30] 자동차 손해배상 일실수입 직군 통계소득 한계(2017다280951, 2019.09.26) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/lost-income-statistical-grouping</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-02] 서면동의 자필서명·필적감정(2022나77691, 2024.08.23, 서울중앙지법 항소심) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/written-consent-forensic-signature</loc>
    <lastmod>2026-07-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-02] 이륜차 계속 사용 통지약관 명시·설명의무(2020다291449, 2021.08.26, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/motorcycle-notice-clause-explanation-duty</loc>
    <lastmod>2026-07-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-03] 청구보증 연장지급선택부 청구·URDG 458 서면진술 요건(2017다218895, 2021.07.08, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/demand-guarantee-extend-or-pay</loc>
    <lastmod>2026-07-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-03] D&O 임원배상책임보험 클레임 형사기소 포함·설명의무(2016다277200, 2019.01.17, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/do-insurance-criminal-claim-scope</loc>
    <lastmod>2026-07-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-03] 책임보험 방어비용 부가가치세 매입세액 공제 시 방어비용 제외(2018다203692, 2018.05.15, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/liability-defense-vat-recoverable</loc>
    <lastmod>2026-07-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-05] 상법 제724조 직접청구권 과실상계·공제 순서·민사법정이율(2016다205243, 2019.05.30, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/direct-claim-offset-order-legal-rate</loc>
    <lastmod>2026-07-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-05] 암 약관 임상학적 진단 보충 범위 · 작성자 불이익 부적용(2018다203395, 2018.06.28, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/cancer-clause-clinical-diagnosis-scope</loc>
    <lastmod>2026-07-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-05] 후유장해 지급률 신경계·파생 장해·추간판탈출증 결합 산정(2013다90891, 2016.10.27, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/disability-payout-neural-parasitic-sum</loc>
    <lastmod>2026-07-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-06] 지급된 보험금 부당이득 반환(2015다7626, 2017.09.26, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/payout-unjust-enrichment-return</loc>
    <lastmod>2026-07-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-06] 변호사배상책임보험 청구권 발생 요건(2014다20998, 2017.01.25, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/lawyer-liability-payout-requirement</loc>
    <lastmod>2026-07-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-06] 자살 재해사망 소멸시효 신의칙(2016다224183, 2016.10.27, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/disaster-benefit-limitation-good-faith</loc>
    <lastmod>2026-07-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-07] 산재 평균임금 증감 종기 확대(2019두45616, 2024.04.16, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/workers-comp-avg-wage-payment-delay</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-07] 산재 평균임금 미지급 임금 산입(2022두64518, 2023.04.13, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/workers-comp-avg-wage-unpaid-wages</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-07-09] 파산자 회사 보험금 상계 제한 — '위기 전 원인'·회생절차 기간(2015다240041, 2019.01.31, 대법원) -->
  <url>
    <loc>https://i-sup.co.kr/precedents/insurer-offset-bankruptcy-limit</loc>
    <lastmod>2026-07-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [추가 — 2026-08-27] 자동차보험 주소변경 미통보 약관 한정무효(99다35379, 2000.10.10, 대법원)·교통사고 후 회사 폐업 일실수입 산정(2011다82063,82070, 2013.11.14, 대법원 파기환송)·가장거래 물품대금 이행보증보험 신의칙 항변(2011다47978, 2012.04.13, 대법원 상고기각) 3건 추가. -->
  <url>
    <loc>https://i-sup.co.kr/precedents/lost-income-employer-closure</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/performance-bond-sham-transaction-good-faith</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/auto-policy-address-change-clause-limited-void</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/foreign-law-clause-explanation-exempt</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ===== 상담 연결 문의 ===== -->
  <url>
    <loc>https://i-sup.co.kr/consultation-request</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ===== 무료 도구 ===== -->
  <url>
    <loc>https://i-sup.co.kr/tools/</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/tools/disclosure-self-check</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://i-sup.co.kr/tools/coverage-gap-calculator</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/tools/premium-budget-calculator</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/tools/remodeling-savings-calculator</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/tools/claim-checklist</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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