<?xml version="1.0" encoding="US-ASCII"?>
<!-- This schema was created by staff of the U.S. Securities and Exchange Commission. -->
<!-- Data and content created by government employees within the scope of their employment -->
<!-- are not subject to domestic copyright protection. 17 U.S.C. 105. -->
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elementFormDefault="qualified" 
xmlns:xs="http://www.w3.org/2001/XMLSchema" 
xmlns:vip-ref="http://xbrl.sec.gov/vip-ref/2022" 
xmlns:vip="http://xbrl.sec.gov/vip/2022" 
xmlns:link="http://www.xbrl.org/2003/linkbase" 
xmlns:xlink="http://www.w3.org/1999/xlink" 
xmlns:ref="http://www.xbrl.org/2006/ref" 
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" 
xsi:schemaLocation="http://www.xbrl.org/2006/ref http://www.xbrl.org/2006/ref-2006-02-27.xsd http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
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<link:loc xlink:type="locator" xlink:href="vip-2022.xsd#vip_PortfolioCompaniesN4TextBlock" xlink:label="PortfolioCompaniesN4TextBlock"/>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Subsection>Instructions</ref:Subsection>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<link:reference xlink:type="resource" xlink:label="ref_PeriodicChargesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/presentationRef">
<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<link:reference xlink:type="resource" xlink:label="ref_AnnualMaintenanceFeeNoteTextBlock" xlink:role="http://www.xbrl.org/2003/role/presentationRef">
<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<link:reference xlink:type="resource" xlink:label="ref_NoSurrenderExampleTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/presentationRef">
<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<link:reference xlink:type="resource" xlink:label="ref_BenefitsAvailableTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/presentationRef">
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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<ref:Publisher>SEC</ref:Publisher>
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