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	<url>
		<loc>https://www.fortisgarda.com/glossary/completion-bond/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/conditional-bond/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/customs-bond/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/customs-bond-jaminan-kepabeanan/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/fidelity-bond/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/judicial-bond/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/maintenance-bond/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/maintenance-bond-jaminan-pemeliharaan/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/obligee/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/payment-bond/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/performance-bond/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/performance-bond-jaminan-pelaksanaan/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/principal/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/retention-bond/</loc>
		<lastmod>2026-05-08T03:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/bail-bond/</loc>
		<lastmod>2026-05-08T03:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/advance-payment-bond-jaminan-uang-muka/</loc>
		<lastmod>2026-05-08T03:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/advance-payment-bond/</loc>
		<lastmod>2026-05-08T03:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/whistle-blowing-system/</loc>
		<lastmod>2026-05-08T03:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/wakalah-bil-ujrah/</loc>
		<lastmod>2026-05-08T03:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/uu-perasuransian-no-40-2014/</loc>
		<lastmod>2026-05-08T03:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/uu-perasuransian-uu-no-40-2014/</loc>
		<lastmod>2026-05-08T03:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/tingkat-solvabilitas/</loc>
		<lastmod>2026-05-08T03:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/tarif-premi-referensi/</loc>
		<lastmod>2026-05-08T03:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/solvency-margin-batas-solvabilitas/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/risk-based-capital-rbc-indonesia/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/risk-based-capital-rbc/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/prinsip-mengenal-nasabah-kyc/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/perusahaan-pialang-asuransi/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/penilaian-tingkat-kesehatan/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/psak-74-kontrak-asuransi/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/pojk-peraturan-ojk/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/paydi-produk-asuransi-yang-dikaitkan-dengan-investasi/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/ojk-otoritas-jasa-keuangan/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/modal-minimum/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/lembaga-mediasi-asuransi/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/laporan-keuangan-tahunan/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/ketentuan-investasi-perusahaan-asuransi/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/kuhd-kitab-undang-undang-hukum-dagang/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/iknb-industri-keuangan-non-bank/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/formulir-standar-polis/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/fit-and-proper-test/</loc>
		<lastmod>2026-05-08T03:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/dewan-komisioner-ojk/</loc>
		<lastmod>2026-05-08T03:07:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/dana-tabarru/</loc>
		<lastmod>2026-05-08T03:07:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/dana-jaminan/</loc>
		<lastmod>2026-05-08T03:07:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/cgi-certified-general-insurance/</loc>
		<lastmod>2026-05-08T03:07:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/asuransi-syariah-takaful/</loc>
		<lastmod>2026-05-08T03:07:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/aaui-asosiasi-asuransi-umum-indonesia/</loc>
		<lastmod>2026-05-08T03:07:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/aamai-asosiasi-ahli-manajemen-asuransi-indonesia/</loc>
		<lastmod>2026-05-08T03:07:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/aaji-asosiasi-asuransi-jiwa-indonesia/</loc>
		<lastmod>2026-05-08T03:07:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/treaty-reinsurance-reasuransi-treaty/</loc>
		<lastmod>2026-05-08T03:07:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/surplus-treaty/</loc>
		<lastmod>2026-05-08T03:07:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/proportional-reinsurance-reasuransi-proporsional/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/per-risk-excess-of-loss/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/profit-commission/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/proportional-treaty/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/quota-share-kuota/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/rate-on-line-rol/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/reasuransi-reinsurance/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/reinstatement-premium/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/retention-retensi-sendiri/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/retrocession/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/retrocession-retrosesi/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/sliding-scale-commission/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/slip-2/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/stop-loss-aggregate-xol/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/reinsurer-perusahaan-reasuransi/</loc>
		<lastmod>2026-05-08T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/obligatory-treaty/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/net-retained-line/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/loss-portfolio-transfer/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/loss-corridor/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/lead-reinsurer/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/inuring-reinsurance/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/follow-the-fortunes/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/finite-reinsurance/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/facultative-reinsurance-reasuransi-fakultatif/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/experience-account/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/excess-of-loss-ratio/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/excess-of-loss-xol/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/event-limit/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/errors-omissions-clause-r-i/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/cut-through-clause/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/commutation/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/claims-cooperation-clause/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/ceding-company-perusahaan-seden/</loc>
		<lastmod>2026-05-08T03:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/bordereau/</loc>
		<lastmod>2026-05-08T03:07:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/stress-testing/</loc>
		<lastmod>2026-05-08T03:07:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/total-cost-of-risk-tcor/</loc>
		<lastmod>2026-05-08T03:07:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/value-at-risk-var/</loc>
		<lastmod>2026-05-08T03:07:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/burning-cost-2/</loc>
		<lastmod>2026-05-08T03:07:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fortisgarda.com/glossary/catastrophe-bond-cat-bond/</loc>
		<lastmod>2026-05-08T03:07:45+00:00</lastmod>
	</url>
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