<?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. -->
<xs:schema
xmlns:xs="http://www.w3.org/2001/XMLSchema"
xmlns:vip-entire="http://xbrl.sec.gov/vip-entire/2023"
xmlns:vip-n3="http://xbrl.sec.gov/vip-n3/2023"
xmlns:vip-n4="http://xbrl.sec.gov/vip-n4/2023"
xmlns:vip-n6="http://xbrl.sec.gov/vip-n6/2023"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
xmlns:vip="http://xbrl.sec.gov/vip/2023"
xmlns:ref="http://www.xbrl.org/2006/ref"
xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
targetNamespace="http://xbrl.sec.gov/vip-entire/2023"
elementFormDefault="qualified"
xsi:schemaLocation="http://www.xbrl.org/2006/ref http://www.xbrl.org/2006/ref-2006-02-27.xsd">
<xs:import namespace="http://xbrl.sec.gov/vip-n3/2023" schemaLocation="vip-n3-2023.xsd"/>
<xs:import namespace="http://xbrl.sec.gov/vip-n4/2023" schemaLocation="vip-n4-2023.xsd"/>
<xs:import namespace="http://xbrl.sec.gov/vip-n6/2023" schemaLocation="vip-n6-2023.xsd"/>
<xs:import namespace="http://www.xbrl.org/2006/ref" schemaLocation="http://www.xbrl.org/2006/ref-2006-02-27.xsd"/>
</xs:schema>