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  <xs:element id="amp_PolicyholderAccountBalanceLiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" abstract="false" name="PolicyholderAccountBalanceLiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="amp_PolicyholderAccountBalanceSurrenderAndWithdrawalNetOfBenefitPayment" abstract="false" name="PolicyholderAccountBalanceSurrenderAndWithdrawalNetOfBenefitPayment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="amp_ContractReceivableRemainderOfFiscalYear" abstract="false" name="ContractReceivableRemainderOfFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_ContractReceivableYearOne" abstract="false" name="ContractReceivableYearOne" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_ContractReceivableYearTwo" abstract="false" name="ContractReceivableYearTwo" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_ContractReceivableYearThree" abstract="false" name="ContractReceivableYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_ContractReceivableYearFour" abstract="false" name="ContractReceivableYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_ContractReceivableAfterYearFour" abstract="false" name="ContractReceivableAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_ContractPaymentsReceivable" abstract="false" name="ContractPaymentsReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_AOCIAttributableToParentDebtSecuritiesAvailableForSaleAccumulatedGainLossAndOTTIExcludingInsuranceRelatedImpactMember" abstract="true" name="AOCIAttributableToParentDebtSecuritiesAvailableForSaleAccumulatedGainLossAndOTTIExcludingInsuranceRelatedImpactMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_AOCIAttributableToParentAccumulatedGainLossDebtSecuritiesAvailableForSaleAndAccumulatedOtherThanTemporaryImpairmentMember" abstract="true" name="AOCIAttributableToParentAccumulatedGainLossDebtSecuritiesAvailableForSaleAndAccumulatedOtherThanTemporaryImpairmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_AOCIAttributableToParentDebtSecuritiesAvailableForSaleInsuranceRelatedImpactMember" abstract="true" name="AOCIAttributableToParentDebtSecuritiesAvailableForSaleInsuranceRelatedImpactMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_AccumulatedNetUnrealizedFromOtherInvestmentGainLossMember" abstract="true" name="AccumulatedNetUnrealizedFromOtherInvestmentGainLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_CommonStockRepurchasesMember" abstract="true" name="CommonStockRepurchasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_RestrictedStockUnitsRepurchasesMember" abstract="true" name="RestrictedStockUnitsRepurchasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_OptionRepurchasesMember" abstract="true" name="OptionRepurchasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocalMember" abstract="true" name="DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_DeferredTaxAssetsOtherStateAndLocalMember" abstract="true" name="DeferredTaxAssetsOtherStateAndLocalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_DeferredTaxAssetsOperatingLossCarryforwardsForeignMember" abstract="true" name="DeferredTaxAssetsOperatingLossCarryforwardsForeignMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_SegmentReconcilingItemsAxis" abstract="true" name="SegmentReconcilingItemsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="amp_SegmentReconcilingItemsDomain" abstract="true" name="SegmentReconcilingItemsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_NetRealizedGainsLossesMember" abstract="true" name="NetRealizedGainsLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_MarketImpactOnNonTraditionalLongDurationProductsMember" abstract="true" name="MarketImpactOnNonTraditionalLongDurationProductsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_AdjustedDistributionExpenses" abstract="false" name="AdjustedDistributionExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_AdjustedPolicyholderAccountBalanceInterestExpense" abstract="false" name="AdjustedPolicyholderAccountBalanceInterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_AdjustedPolicyholderBenefitsAndClaimsIncurredNet" abstract="false" name="AdjustedPolicyholderBenefitsAndClaimsIncurredNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_AdjustedGeneralAndAdministrativeExpense" abstract="false" name="AdjustedGeneralAndAdministrativeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_AdjustedCostAndExpenses" abstract="false" name="AdjustedCostAndExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
