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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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    monthly — 변경 빈도 낮은 법적 문서
    daily   — 블로그 (포스트 추가 시 갱신)

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    <lastmod>2026-05-10</lastmod>
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  <!-- ===== 콘텐츠 허브 (헤더 메뉴 통합 입구, 2026-05-19 추가) ===== -->
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  <!-- ===== 서비스 페이지 ===== -->
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    <lastmod>2026-05-12</lastmod>
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    <lastmod>2026-05-12</lastmod>
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  <!-- ===== 블로그 ===== -->
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  <!-- [신규 2026-07-18] 뇌졸중·뇌경색 진단확정 실무 가이드 — 상병코드 I60~I69·MRI·병력 근거 (실무 트랙, 진단확정 시리즈) -->
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    <lastmod>2026-07-16</lastmod>
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  <!-- [신규 2026-07-15] 거절 다음 날 아침을 여는 법 — 설계사의 24시간 감정 회복 루틴 7가지 (동기부여 트랙) -->
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    <lastmod>2026-07-15</lastmod>
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  <!-- [신규 2026-07-10] 설계사, 이 일을 계속해야 할까 — 흔들리는 밤에 다시 찾는 5가지 이유 (동기부여 트랙) -->
  <url>
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    <lastmod>2026-07-10</lastmod>
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  <!-- [신규 2026-07-09] 변액보험 펀드 스위칭 실전 가이드 — B키워드 '변액보험 특별계정 펀드 변경 스위칭' 정면 커버 -->
  <url>
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    <lastmod>2026-07-09</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- [신규 2026-07-08] 보험 판매수수료 분급제 실무 정리 — B키워드 '분급제' 정면 커버 -->
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  <!-- [신규 2026-07-06] 미필적 고의와 보험금 지급 — A키워드 '미필적 고의' 커버 -->
  <url>
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    <lastmod>2026-07-06</lastmod>
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  <!-- [신규 2026-07-05] 품질보증해지(품보해지) 3개월 룰 — A키워드 '품보해지' 커버 -->
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  <url>
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  <!-- [신규 2026-07-04] 고지의무·통지의무 차이 실무 가이드 — 알릴의무 A키워드 -->
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    <loc>https://i-sup.co.kr/blog/disclosure-analysis-program-guide</loc>
    <lastmod>2026-06-30</lastmod>
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    <priority>0.7</priority>
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    <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>
  </url>
  <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>
  </url>
  <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>
  </url>
  <url>
    <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>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/payout-claim-prescription-180day</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <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>
  </url>
  <url>
    <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>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/policy-clause-ambiguity-benefit</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- [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>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-depression-treated-payout</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/suicide-undiagnosed-depression-payout</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- [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>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/claim-adjuster-doctor-referral-fee</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/branch-manager-worker-status</loc>
    <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>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/auto-self-injury-vehicle-use-scope</loc>
    <lastmod>2026-06-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <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>
  <url>
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    <lastmod>2026-06-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <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>
  <url>
    <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>
  </url>
  <url>
    <loc>https://i-sup.co.kr/precedents/subrogation-offset-limited-acceptance</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <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>
  </url>
  <url>
    <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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  <url>
    <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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  <url>
    <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>
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  <url>
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    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
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    <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>
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    <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>
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    <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>
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    <priority>0.7</priority>
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    <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>
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  <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>
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  <!-- [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>
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  <!-- [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>
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  <!-- [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>
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  <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>
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  <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>
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  <!-- [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>

  <!-- ===== 상담 연결 문의 ===== -->
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    <loc>https://i-sup.co.kr/consultation-request</loc>
    <lastmod>2026-05-18</lastmod>
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    <priority>0.7</priority>
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  <!-- ===== 무료 도구 ===== -->
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    <lastmod>2026-05-18</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/tools/disclosure-self-check</loc>
    <lastmod>2026-05-18</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://i-sup.co.kr/tools/coverage-gap-calculator</loc>
    <lastmod>2026-05-18</lastmod>
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    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/tools/premium-budget-calculator</loc>
    <lastmod>2026-05-18</lastmod>
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    <loc>https://i-sup.co.kr/tools/remodeling-savings-calculator</loc>
    <lastmod>2026-05-18</lastmod>
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    <priority>0.7</priority>
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    <loc>https://i-sup.co.kr/tools/claim-checklist</loc>
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