<?xml version="1.0" encoding="us-ascii"?>
<!-- Generated by DFIN XBRL Schema Document - https://www.dfinsolutions.com/  -->
<!-- Copyright(c) 2026 Donnelley Financial Solutions Inc. All Rights Reserved.  -->
<schema targetNamespace="http://www.thrivent.com/20260505" elementFormDefault="qualified" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:thrivent="http://www.thrivent.com/20260505" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:vip="http://xbrl.sec.gov/vip/2025" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31">
    <annotation>
        <appinfo>
			<link:linkbase>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/N4" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#N4"/>			
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/ContractOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#ContractOnly" />
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/ClassOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#ClassOnly" />
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/IndexOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#IndexOnly" />
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/ReturnLimitTypeOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#ReturnLimitTypeOnly" />
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/InvestmentOptionOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#InvestmentOptionOnly" />
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/IndexReturnOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#IndexReturnOnly" />
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/CreditingMethodologyOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#CreditingMethodologyOnly" />
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/AdjustmentsOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#AdjustmentsOnly" />
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/CoregistrantsOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#CoregistrantsOnly" />			
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/BenefitOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#BenefitOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/PortfolioCompanyOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#PortfolioCompanyOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/RiskOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#RiskOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/GenerationOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#GenerationOnly"/>			
				<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
				<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
				<link:presentationLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/N4">			
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_ProspectusLineItems" xlink:label="ProspectusLineItems"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_KeyOptionalBenefitRestrictionsTextBlock" xlink:label="KeyOptionalBenefitRestrictionsTextBlock"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ProspectusLineItems" xlink:to="KeyOptionalBenefitRestrictionsTextBlock" order="20.0" />					
					<!--ContractAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllContractsMember" xlink:label="AllContractsMember"/>
					<link:loc xlink:type="locator" xlink:href="#thrivent_C000211448Member" xlink:label="C000211448Member"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllContractsMember" xlink:to="C000211448Member" order="1.0" />
					<link:loc xlink:type="locator" xlink:href="#thrivent_C000220060Member" xlink:label="C000220060Member"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllContractsMember" xlink:to="C000220060Member" order="2.0" />
					<!--ClassAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllClassesMember" xlink:label="AllClassesMember"/>
					<!--IndexAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllIndexesMember" xlink:label="AllIndexesMember"/>
					<!--ReturnLimitTypeAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllReturnLimitTypesMember" xlink:label="AllReturnLimitTypesMember"/>
					<!--InvestmentOptionAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllInvestmentOptionsMember" xlink:label="AllInvestmentOptionsMember"/>
					<!--IndexReturnAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllIndexReturnsMember" xlink:label="AllIndexReturnsMember"/>
					<!--CreditingMethodologyAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllCreditingMethodologiesMember" xlink:label="AllCreditingMethodologiesMember"/>
					<!--AdjustmentAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllAdjustmentsMember" xlink:label="AllAdjustmentsMember"/>
					<!--CoregistrantAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllCoregistrantsMember" xlink:label="AllCoregistrantsMember"/>
					<!--BenefitAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllBenefitsMember" xlink:label="AllBenefitsMember"/>
					<!--PortfolioCompanyAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllPortfolioCompaniesMember" xlink:label="AllPortfolioCompaniesMember"/>
					<link:loc xlink:type="locator" xlink:href="#thrivent_AmericanFundsISEUPACMember" xlink:label="AmericanFundsISEUPACMember"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllPortfolioCompaniesMember" xlink:to="AmericanFundsISEUPACMember" order="1.0" />
					<!--GenerationAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_CurrentGenerationMember" xlink:label="CurrentGenerationMember"/>
					<!--RiskAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllRisksMember" xlink:label="AllRisksMember"/>
				</link:presentationLink>			
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/ContractOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllContractsMember" xlink:label="AllContractsMember"/>
					<link:loc xlink:type="locator" xlink:href="#thrivent_C000211448Member" xlink:label="C000211448Member"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllContractsMember" xlink:to="C000211448Member" order="1.0"/>
					<link:loc xlink:type="locator" xlink:href="#thrivent_C000220060Member" xlink:label="C000220060Member"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllContractsMember" xlink:to="C000220060Member" order="2.0"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/ClassOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllClassesMember" xlink:label="AllClassesMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/IndexOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllIndexesMember" xlink:label="AllIndexesMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/ReturnLimitTypeOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllReturnLimitTypesMember" xlink:label="AllReturnLimitTypesMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/InvestmentOptionOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllInvestmentOptionsMember" xlink:label="AllInvestmentOptionsMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/IndexReturnOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllIndexReturnsMember" xlink:label="AllIndexReturnsMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/CreditingMethodologyOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllCreditingMethodologiesMember" xlink:label="AllCreditingMethodologiesMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/AdjustmentsOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllAdjustmentsMember" xlink:label="AllAdjustmentsMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/CoregistrantsOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllCoregistrantsMember" xlink:label="AllCoregistrantsMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/BenefitOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllBenefitsMember" xlink:label="AllBenefitsMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/PortfolioCompanyOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllPortfolioCompaniesMember" xlink:label="AllPortfolioCompaniesMember"/>
					<link:loc xlink:type="locator" xlink:href="#thrivent_AmericanFundsISEUPACMember" xlink:label="AmericanFundsISEUPACMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllPortfolioCompaniesMember" xlink:to="AmericanFundsISEUPACMember" order="1.0"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/GenerationOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_CurrentGenerationMember" xlink:label="CurrentGenerationMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/RiskOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllRisksMember" xlink:label="AllRisksMember"/>
				</link:definitionLink>			
				<link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
					<link:loc xlink:type="locator" xlink:href="#thrivent_C000211448Member" xlink:label="C000211448Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000211448Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">AdvisorFlex VA MDRP</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000211448Member" xlink:to="label_C000211448Member"/>
					<link:loc xlink:type="locator" xlink:href="#thrivent_AmericanFundsISEUPACMember" xlink:label="AmericanFundsISEUPACMember"/>
					<link:label xlink:type="resource" xlink:label="label_AmericanFundsISEUPACMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">American Funds IS EUPAC</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmericanFundsISEUPACMember" xlink:to="label_AmericanFundsISEUPACMember"/>
					<link:loc xlink:type="locator" xlink:href="#thrivent_C000220060Member" xlink:label="C000220060Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000220060Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Thrivent Retirement Choice Variable Annuity</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000220060Member" xlink:to="label_C000220060Member"/>
				</link:labelLink>
			</link:linkbase>
		</appinfo>
    </annotation>
	<import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
	<import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
	<import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
	<import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>
	<import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"/>
	<import namespace="http://xbrl.sec.gov/vip/2025" schemaLocation="https://xbrl.sec.gov/vip/2025/vip-2025.xsd" />
	<import namespace="http://xbrl.sec.gov/vip-n4/2025" schemaLocation="https://xbrl.sec.gov/vip/2025/vip-n4-2025.xsd" />
	<element name="C000211448Member" id="thrivent_C000211448Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="AmericanFundsISEUPACMember" id="thrivent_AmericanFundsISEUPACMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000220060Member" id="thrivent_C000220060Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
</schema>
