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Risk</image:caption><image:title>6 Ways to Dramatically Improve Group Risk</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/W%20-%20Website%20Images/Blog%20Images/Coherent%20Seyna%20Partnership.png</image:loc><image:caption>Coherent Seyna Partnership</image:caption><image:title>Coherent Seyna Partnership</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/Imported%20sitepage%20images/63f8e3071693b72f68d1c9ca_Frame%20(9).svg</image:loc><image:caption>63f8e3071693b72f68d1c9ca_Frame (9)</image:caption><image:title>63f8e3071693b72f68d1c9ca_Frame 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(15)</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/logos/coherent-logo-white.svg</image:loc><image:caption>coherent-logo-white</image:caption><image:title>coherent-logo-white</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/customer-thumbnails/crosshatch-full-spectrum.png</image:loc><image:caption>crosshatch-full-spectrum</image:caption><image:title>crosshatch-full-spectrum</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/customer-thumbnails/purple-teal-gradient-big-grid.png</image:loc><image:caption>purple-teal-gradient-big-grid</image:caption><image:title>purple-teal-gradient-big-grid</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/3%20Icon%20Square.svg</image:loc><image:caption>3 Icon Square</image:caption><image:title>3 Icon Square</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/spark%20product%20browser.png</image:loc><image:caption>spark product browser</image:caption><image:title>spark product browser</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/insights%20product%20browser.png</image:loc><image:caption>insights product browser</image:caption><image:title>insights product browser</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/customer-thumbnails/slanted-pink-bloom-gradient.png</image:loc><image:caption>slanted-pink-bloom-gradient</image:caption><image:title>slanted-pink-bloom-gradient</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/customer-thumbnails/coherent-thumb-annuity.png</image:loc><image:caption>coherent-thumb-annuity</image:caption><image:title>coherent-thumb-annuity</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/customer-thumbnails/coherent-thumb-icealion.png</image:loc><image:caption>coherent-thumb-icealion</image:caption><image:title>coherent-thumb-icealion</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/1%20Icon%20Square.svg</image:loc><image:caption>1 Icon Square</image:caption><image:title>1 Icon Square</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/RGB_Coherent_Logo.svg</image:loc><image:caption>RGB_Coherent_Logo</image:caption><image:title>RGB_Coherent_Logo</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/backgrounds/Updated%20Gradient%20Bacgkround%20Vidico.png</image:loc><image:caption>Updated Gradient Bacgkround Vidico</image:caption><image:title>Updated Gradient Bacgkround Vidico</image:title></image:image><lastmod>2026-05-05</lastmod></url><url><loc>https://www.coherent.global/blog/finance-doesnt-have-an-ai-problem</loc><image:image><image:loc>https://www.coherent.global/hubfs/RGB_Coherent_Logo.svg</image:loc><image:caption>RGB_Coherent_Logo</image:caption><image:title>RGB_Coherent_Logo</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/logos/coherent-logo-white.svg</image:loc><image:caption>coherent-logo-white</image:caption><image:title>coherent-logo-white</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/AI%20Insurance.png</image:loc><image:caption>AI Insurance</image:caption><image:title>AI Insurance</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/control-primary.svg</image:loc><image:caption>control-primary</image:caption><image:title>control-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/spark-primary.svg</image:loc><image:caption>spark-primary</image:caption><image:title>spark-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/blog%20images/coherent-glass-ledger.png</image:loc><image:caption>coherent-glass-ledger</image:caption><image:title>coherent-glass-ledger</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/blog%20images/Ai%20and%20Excel%20Together.png</image:loc><image:caption>Ai and Excel Together</image:caption><image:title>Ai and Excel Together</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/insights-primary.svg</image:loc><image:caption>insights-primary</image:caption><image:title>insights-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/PROJECTS%20(6).png</image:loc><image:caption>PROJECTS (6)</image:caption><image:title>PROJECTS (6)</image:title></image:image><lastmod>2026-07-16</lastmod></url><url><loc>https://www.coherent.global/blog/6-ways-to-dramatically-improve-group-risk</loc><image:image><image:loc>https://www.coherent.global/hubfs/W%20-%20Website%20Images/Blog%20Images/Modern%20Actuary%20Pain%20Points.png</image:loc><image:caption>Modern Actuary Pain Points</image:caption><image:title>Modern Actuary Pain Points</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/W%20-%20Website%20Images/Blog%20Images/Coherent%20Available%20AWS%20Marketplace.png</image:loc><image:caption>Coherent Available AWS Marketplace</image:caption><image:title>Coherent Available AWS Marketplace</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/W%20-%20Website%20Images/Blog%20Images/6%20Ways%20to%20Dramatically%20Improve%20Group%20Risk.png</image:loc><image:caption>6 Ways to Dramatically Improve Group Risk</image:caption><image:title>6 Ways to Dramatically Improve Group Risk</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/W%20-%20Website%20Images/Blog%20Images/Snowflake%20Marketplace.webp</image:loc><image:caption>Snowflake Marketplace</image:caption><image:title>Snowflake Marketplace</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/Imported%20sitepage%20images/63f8e3071693b72f68d1c9ca_Frame%20(9).svg</image:loc><image:caption>63f8e3071693b72f68d1c9ca_Frame (9)</image:caption><image:title>63f8e3071693b72f68d1c9ca_Frame (9)</image:title></image:image><lastmod>2024-07-10</lastmod></url><url><loc>https://www.coherent.global/blog/convr-ai-partners-with-coherent-to-accelerate-underwriting</loc><image:image><image:loc>https://www.coherent.global/hubfs/W%20-%20Website%20Images/Blog%20Images/Coherent%20partners%20with%20Duck%20Creek%20Technologies.png</image:loc><image:caption>Coherent partners with Duck Creek Technologies</image:caption><image:title>Coherent partners with Duck Creek Technologies</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/W%20-%20Website%20Images/Blog%20Images/Coherent%20Series%20B.png</image:loc><image:caption>Coherent Series B</image:caption><image:title>Coherent Series B</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/Imported%20sitepage%20images/63f8e3071693b72f68d1c9ca_Frame%20(9).svg</image:loc><image:caption>63f8e3071693b72f68d1c9ca_Frame (9)</image:caption><image:title>63f8e3071693b72f68d1c9ca_Frame 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post-1</image:title></image:image><lastmod>2024-08-08</lastmod></url><url><loc>https://www.coherent.global/blog/the-ai-trust-gap-why-validation-matters-more-than-output</loc><image:image><image:loc>https://www.coherent.global/hubfs/spark-primary.svg</image:loc><image:caption>spark-primary</image:caption><image:title>spark-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/blog%20images/coherent-glass-ledger.png</image:loc><image:caption>coherent-glass-ledger</image:caption><image:title>coherent-glass-ledger</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/RGB_Coherent_Logo.svg</image:loc><image:caption>RGB_Coherent_Logo</image:caption><image:title>RGB_Coherent_Logo</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/PROJECTS%20(6).png</image:loc><image:caption>PROJECTS (6)</image:caption><image:title>PROJECTS (6)</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/logos/coherent-logo-white.svg</image:loc><image:caption>coherent-logo-white</image:caption><image:title>coherent-logo-white</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/Actuarial%20AI%20Readiness%20Govern%20the%20Spreadsheets.png</image:loc><image:caption>Actuarial AI Readiness Govern the Spreadsheets</image:caption><image:title>Actuarial AI Readiness Govern the Spreadsheets</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/control-primary.svg</image:loc><image:caption>control-primary</image:caption><image:title>control-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/insights-primary.svg</image:loc><image:caption>insights-primary</image:caption><image:title>insights-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/blog%20images/Ai%20and%20Excel%20Together.png</image:loc><image:caption>Ai and Excel Together</image:caption><image:title>Ai and Excel Together</image:title></image:image><lastmod>2026-04-23</lastmod></url><url><loc>https://www.coherent.global/blog/ai-didnt-create-the-problem.-it-exposed-it</loc><image:image><image:loc>https://www.coherent.global/hubfs/insights-primary.svg</image:loc><image:caption>insights-primary</image:caption><image:title>insights-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/Set%20PNG%20to%202.5s%20Mark%20(2).png</image:loc><image:caption>Set PNG to 2.5s Mark (2)</image:caption><image:title>Set PNG to 2.5s Mark (2)</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/blog%20images/Futuristic%20Excel%20Assistant%20Robot%20Coherent.png</image:loc><image:caption>Futuristic Excel Assistant Robot Coherent</image:caption><image:title>Futuristic Excel Assistant Robot Coherent</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/blog%20images/Illustration%20Logic%20No-Code%20Blog%20Header.png</image:loc><image:caption>Illustration Logic No-Code Blog Header</image:caption><image:title>Illustration Logic No-Code Blog Header</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/spark-primary.svg</image:loc><image:caption>spark-primary</image:caption><image:title>spark-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/thumbnail_Rich.png</image:loc><image:caption>thumbnail_Rich</image:caption><image:title>thumbnail_Rich</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/RGB_Coherent_Logo.svg</image:loc><image:caption>RGB_Coherent_Logo</image:caption><image:title>RGB_Coherent_Logo</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/AI%20Insurance.png</image:loc><image:caption>AI Insurance</image:caption><image:title>AI Insurance</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/logos/coherent-logo-white.svg</image:loc><image:caption>coherent-logo-white</image:caption><image:title>coherent-logo-white</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/control-primary.svg</image:loc><image:caption>control-primary</image:caption><image:title>control-primary</image:title></image:image><lastmod>2026-06-09</lastmod></url><url><loc>https://www.coherent.global/coherent-insights-terms-of-use</loc><image:image><image:loc>https://www.coherent.global/hubfs/insights-primary.svg</image:loc><image:caption>insights-primary</image:caption><image:title>insights-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/logos/coherent-logo-white.svg</image:loc><image:caption>coherent-logo-white</image:caption><image:title>coherent-logo-white</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/spark-primary.svg</image:loc><image:caption>spark-primary</image:caption><image:title>spark-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/RGB_Coherent_Logo.svg</image:loc><image:caption>RGB_Coherent_Logo</image:caption><image:title>RGB_Coherent_Logo</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/control-primary.svg</image:loc><image:caption>control-primary</image:caption><image:title>control-primary</image:title></image:image><lastmod>2025-04-10</lastmod></url><url><loc>https://www.coherent.global/case-studies/how-optima-mayores-turned-excel-into-the-infrastructure-behind-every-customer-interaction</loc><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/logos/coherent-logo-white.svg</image:loc><image:caption>coherent-logo-white</image:caption><image:title>coherent-logo-white</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/backgrounds/bg-gradient-2.jpg</image:loc><image:caption>bg-gradient-2</image:caption><image:title>bg-gradient-2</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/control-primary.svg</image:loc><image:caption>control-primary</image:caption><image:title>control-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/backgrounds/bg-gradient-2-mobile.jpg</image:loc><image:caption>bg-gradient-2-mobile</image:caption><image:title>bg-gradient-2-mobile</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/spark-primary.svg</image:loc><image:caption>spark-primary</image:caption><image:title>spark-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/Optima%20Mayores%20Case%20Study%20Coherent.svg</image:loc><image:caption>Optima Mayores Case Study Coherent</image:caption><image:title>Optima Mayores Case Study Coherent</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/RGB_Coherent_Logo.svg</image:loc><image:caption>RGB_Coherent_Logo</image:caption><image:title>RGB_Coherent_Logo</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/insights-primary.svg</image:loc><image:caption>insights-primary</image:caption><image:title>insights-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/Optima%20Mayores%20Coherent%20Case%20Study%20Technical%20Diagram.svg</image:loc><image:caption>Optima Mayores Coherent Case Study Technical Diagram</image:caption><image:title>Optima Mayores Coherent Case Study Technical Diagram</image:title></image:image><lastmod>2026-05-21</lastmod></url><url><loc>https://www.coherent.global/blog/how-a-voluntary-benefits-carrier-modernized-rating-without-re-coding-a-single-model</loc><image:image><image:loc>https://www.coherent.global/hubfs/control-primary.svg</image:loc><image:caption>control-primary</image:caption><image:title>control-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/insights-primary.svg</image:loc><image:caption>insights-primary</image:caption><image:title>insights-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/RGB_Coherent_Logo.svg</image:loc><image:caption>RGB_Coherent_Logo</image:caption><image:title>RGB_Coherent_Logo</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/blog%20images/Transform%20Rating%20Models%20Featured%20Blog%20Image.png</image:loc><image:caption>Transform Rating Models Featured Blog Image</image:caption><image:title>Transform Rating Models Featured Blog Image</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/logos/coherent-logo-white.svg</image:loc><image:caption>coherent-logo-white</image:caption><image:title>coherent-logo-white</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/blog%20images/ChatGPT%20Image%20Apr%2011%2c%202025%2c%2001_16_22%20PM.png</image:loc><image:caption>ChatGPT Image Apr 11, 2025, 01_16_22 PM</image:caption><image:title>ChatGPT Image Apr 11, 2025, 01_16_22 PM</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/blog%20images/Batch%20APIs.png</image:loc><image:caption>Batch APIs</image:caption><image:title>Batch APIs</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/spark-primary.svg</image:loc><image:caption>spark-primary</image:caption><image:title>spark-primary</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/2024-brand-refresh/blog%20images/coherent-compile-to-api.png</image:loc><image:caption>coherent-compile-to-api</image:caption><image:title>coherent-compile-to-api</image:title></image:image><lastmod>2026-07-17</lastmod></url><url><loc>https://www.coherent.global/blog/unlocking-excels-power-with-coherent-spark-a-game-changer-for-businesses</loc><image:image><image:loc>https://www.coherent.global/hubfs/W%20-%20Website%20Images/Blog%20Images/Illustration%20of%20Affordability%20Calculator%20built%20in%20Mendix%20from%20Excel%20using%20Coherent%20Spark.png</image:loc><image:caption>Illustration of Affordability Calculator built in Mendix from Excel using Coherent Spark</image:caption><image:title>Illustration of 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Coherent Spark</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/W%20-%20Website%20Images/Blog%20Images/Illustration%20of%20Income%20and%20Available%20Funds%20Calculator%20built%20in%20Mendix%20from%20Excel%20using%20Coherent%20Spark.png</image:loc><image:caption>Illustration of Income and Available Funds Calculator built in Mendix from Excel using Coherent Spark</image:caption><image:title>Illustration of Income and Available Funds Calculator built in Mendix from Excel using Coherent Spark</image:title></image:image><image:image><image:loc>https://www.coherent.global/hubfs/W%20-%20Website%20Images/Blog%20Images/Microsoft%20Coherent%20Strategic%20Partnership.png</image:loc><image:caption>Microsoft Coherent Strategic Partnership</image:caption><image:title>Microsoft Coherent Strategic 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