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    <loc>http://cinsgroup.net/home</loc>
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    <lastmod>2022-12-09</lastmod>
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    <loc>http://cinsgroup.net/take-action</loc>
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    <lastmod>2020-06-23</lastmod>
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      <image:title>Group Benefits</image:title>
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  <url>
    <loc>http://cinsgroup.net/projects</loc>
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    <lastmod>2022-12-05</lastmod>
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      <image:title>WHO WE ARE</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/1592854321496-S9LY9B3GGUE603QT4QM6/Keith+Headshot.jpg</image:loc>
      <image:title>WHO WE ARE</image:title>
      <image:caption>Keith Thom founded the Consolidated Insurance Group in 1986. He has leveraged his expertise and understanding in assisting businesses to create and manage successful benefit plans. With 37 years of consulting in the insurance industry, he has introduced innovative strategies that reduce costs associated with healthcare premiums and help clients achieve their goals. He believes that successful employee benefit programs help business owners retain and recruit top talent.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/1592854563501-XZZ8V7INCW8WTEU38D52/Beth+Headshot.jpg</image:loc>
      <image:title>WHO WE ARE</image:title>
      <image:caption>Beth Thom is a Co-Owner and has over 13 years of experience in helping companies with creative financial strategies and solutions available in the marketplace. Her friendly personality and attention to detail helped her to develop great relationships with the carriers and negotiate the best possible deal for CIG clients. She has a deep knowledge of both self-funding and fully insured plans. She is a valuable resource that people trust to guide them through the ever changing health insurance world.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/1592854716982-T3CH3ZDONTECLIK3H35V/Allie+Headshot.jpg</image:loc>
      <image:title>WHO WE ARE</image:title>
      <image:caption>Allie Thom is a Co-Owner and has over 8 years of experience in the Health Insurance industry. Allie is a strategic health savings broker that continues to innovate and structure companies Group Benefit Packages, with the company and employees in mind. She started as a pre-sales specialist and continued to work her way up. Through group administration to building comprehensive benefit packages, Allie understands the ins and outs of plan designing while incorporating unique savings strategies for each client.</image:caption>
    </image:image>
    <image:image>
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      <image:title>WHO WE ARE</image:title>
      <image:caption>Consolidated Insurance Group is a family owned business since 1986</image:caption>
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  </url>
  <url>
    <loc>http://cinsgroup.net/partners-1</loc>
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    <lastmod>2016-03-01</lastmod>
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      <image:title>CLIENTS</image:title>
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  <url>
    <loc>http://cinsgroup.net/contact</loc>
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    <priority>0.75</priority>
    <lastmod>2020-08-13</lastmod>
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      <image:title>Contact</image:title>
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  </url>
  <url>
    <loc>http://cinsgroup.net/carriers</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2016-05-02</lastmod>
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      <image:title>Carriers</image:title>
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  </url>
  <url>
    <loc>http://cinsgroup.net/affordable-care-act</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-06-24</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/1593019298996-PY85P3W97D2P1UFX6MNW/Compliance_shutterstock_613324595.jpg</image:loc>
      <image:title>Compliance</image:title>
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  </url>
  <url>
    <loc>http://cinsgroup.net/new-page-2</loc>
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    <priority>0.75</priority>
    <lastmod>2020-06-17</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/1462380111357-XFFB9UYGCMGWM7PD539F/HR+Plus+Inc..jpg</image:loc>
      <image:title>Human Resources Plus</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/1592412304486-IWNZXQ8S5GFP5GHQGT7E/HRP.png</image:loc>
      <image:title>Human Resources Plus - Our Clients Have Access to a Free HR Service of your choice valued at $260!</image:title>
      <image:caption>- Audit of your employee handbook &amp; new hire paperwork - 2 hours of HR phone guidance for those challenging employee questions - $260 credit for any HR projects or trainings</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://cinsgroup.net/selfinsured-vs-fullyinsured</loc>
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    <priority>0.75</priority>
    <lastmod>2020-06-23</lastmod>
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      <image:title>Self-Insured vs. Fully-Insured</image:title>
    </image:image>
    <image:image>
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      <image:title>Self-Insured vs. Fully-Insured</image:title>
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  </url>
  <url>
    <loc>http://cinsgroup.net/get-a-quote</loc>
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    <lastmod>2021-07-19</lastmod>
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      <image:title>Get a Quote</image:title>
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  <url>
    <loc>http://cinsgroup.net/home-ready</loc>
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    <priority>1.0</priority>
    <lastmod>2026-07-31</lastmod>
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      <image:title>Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/1592855250366-X3DEUNY8FGK60HBSJ5NQ/Family+photo.jpg</image:loc>
      <image:title>Home - The Consolidated Team</image:title>
      <image:caption>The team at Consolidated Insurance Group is constantly brainstorming and working to find the best solutions for our clients.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/1681924096353-YYY2VXIU3FOVIVALE37X/GettyImages-1130838143.jpg</image:loc>
      <image:title>Home - A Colorado Top 10 Service</image:title>
      <image:caption>Our personalized approach and ability to think outside the box sets us apart from larger brokerages and ensures our clients receive the best possible savings on their employee benefits.</image:caption>
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  </url>
  <url>
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    <lastmod>2026-07-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/5dffba92-167d-44ee-a0fd-f433ddb76032/Keith+Headshot.jpg</image:loc>
      <image:title>About Us - Keith Thom, Founder</image:title>
      <image:caption>Keith founded the Consolidated Insurance Group in 1986 with the belief that successful employee benefits programs help business owners retain and recruit top talent. He has leveraged his expertise in assisting businesses to create and manage successful benefits plans. With decades of experience, he has introduced innovative strategies that reduce costs associated with healthcare premiums and help clients achieve their goals.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/1592854563501-XZZ8V7INCW8WTEU38D52/Beth+Headshot.jpg</image:loc>
      <image:title>About Us - Beth Thom, Co-Owner</image:title>
      <image:caption>Beth is a Co-Owner of Consolidated and has been with the company since 2009. She believes that by delivering exceptional service and building strong relationships with our clients, helps us stand out from our competitors. Her dedication to account management helps Consolidated build long lasting relationships with our clients. By building strong and ongoing relationships, we better understand our client’s needs and provide tailored solutions that meet those needs.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/552fd3e5-b443-4080-9b06-dff1dea983e4/Headshot.jpeg</image:loc>
      <image:title>About Us - Allie Thom, Co-Owner</image:title>
      <image:caption>As Co-Owner of Consolidated Insurance Group, Allie partners with employers across Colorado to build benefit strategies that lower costs without sacrificing the coverage their employees rely on. Whether it's level-funded plans, cost containment strategies, private FAMLI, claims advocacy, or simply helping employees understand how to use their benefits, her goal is to make healthcare a little less confusing and a lot more valuable. She enjoys working alongside business owners, HR teams, and CFOs to find creative solutions that fit their goals—not just at renewal, but throughout the year. Building long-term relationships and being a trusted resource is one of the most rewarding parts of my job.</image:caption>
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  </url>
  <url>
    <loc>http://cinsgroup.net/services-ready</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>Services - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>http://cinsgroup.net/schedule-appointment-ready</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/0a17fb66-063c-4882-9e46-e61f909a7afa/Family%2Bphoto.jpg</image:loc>
      <image:title>Schedule Appointment - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56d4b4b64c2f8513ee0d1978/1681923477835-5041BWC32NIBF99DORNJ/GettyImages-951514270.jpg</image:loc>
      <image:title>Schedule Appointment - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://cinsgroup.net/contact-us-ready</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>Contact Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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