<?xml version="1.0" encoding="UTF-8"?>
<!-- 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. -->
<xs:schema targetNamespace="http://xbrl.sec.gov/vip-entire/2022"
xmlns:vip-entire="http://xbrl.sec.gov/vip-entire/2022"  
xmlns:vip="http://xbrl.sec.gov/vip/2022" 
xmlns:vip-ref="http://xbrl.sec.gov/vip-ref/2022"
xmlns:vip-n3="http://xbrl.sec.gov/vip-n3/2022"
xmlns:vip-n4="http://xbrl.sec.gov/vip-n4/2022"
xmlns:vip-n6="http://xbrl.sec.gov/vip-n6/2022"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" 
xmlns:xs="http://www.w3.org/2001/XMLSchema"
elementFormDefault="qualified">
<xs:import namespace="http://xbrl.sec.gov/vip-ref/2022" schemaLocation="vip-2022_ref.xsd"/>
<xs:import namespace="http://xbrl.sec.gov/vip-n3/2022" schemaLocation="vip-n3-2022.xsd"/>
<xs:import namespace="http://xbrl.sec.gov/vip-n4/2022" schemaLocation="vip-n4-2022.xsd"/>
<xs:import namespace="http://xbrl.sec.gov/vip-n6/2022" schemaLocation="vip-n6-2022.xsd"/>
</xs:schema>