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  <xs:element id="voya_VoyaHoldingsDebenturesMember" abstract="true" name="VoyaHoldingsDebenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="voya_PreCapitalizedTrustMember" abstract="true" name="PreCapitalizedTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="voya_AetnaNotesMember" abstract="true" name="AetnaNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="voya_BusinessAgreementProcessingAndOperationServicesPeriod" abstract="false" name="BusinessAgreementProcessingAndOperationServicesPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="voya_FacilityAgreementFaceAmount" abstract="false" name="FacilityAgreementFaceAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="voya_PledgedCollateral" abstract="false" name="PledgedCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="voya_SecuritiesOwnedAndPledgedAsCollateral" abstract="false" name="SecuritiesOwnedAndPledgedAsCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="voya_SecuritiesPledgedunderrepurchaseagreementscarryingvalue" abstract="false" name="SecuritiesPledgedunderrepurchaseagreementscarryingvalue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="voya_InvestmentPurchaseCommitmentMember" abstract="true" name="InvestmentPurchaseCommitmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="voya_VotingInterestEntityPrimaryBeneficiaryMember" abstract="true" name="VotingInterestEntityPrimaryBeneficiaryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="voya_FABNTrustMemberMember" abstract="true" name="FABNTrustMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="voya_VariableInterestEntityAndVotingInterestEntityPrimaryBeneficiaryMember" abstract="true" name="VariableInterestEntityAndVotingInterestEntityPrimaryBeneficiaryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="voya_VariableInterestEntityPrimaryBeneficiaryCorporateLoanInvestmentsMember" abstract="true" name="VariableInterestEntityPrimaryBeneficiaryCorporateLoanInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="voya_VariableInterestEntityPrimaryBeneficiaryCLONotesMember" abstract="true" name="VariableInterestEntityPrimaryBeneficiaryCLONotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="voya_VariableInterestEntityPrimaryBeneficiaryPrivateEquityFundsMember" abstract="true" name="VariableInterestEntityPrimaryBeneficiaryPrivateEquityFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="voya_ConsolidatedCollateralLoanObligations" abstract="false" name="ConsolidatedCollateralLoanObligations" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="voya_LimitedPartnershipsUsefulLife" abstract="false" name="LimitedPartnershipsUsefulLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="voya_ConsolidatedFunds" abstract="false" name="ConsolidatedFunds" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="voya_UnpaidPrincipalExceedsFairValueCorporateLoan" abstract="false" name="UnpaidPrincipalExceedsFairValueCorporateLoan" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="voya_WeightedAverageMaturityDebt" abstract="false" name="WeightedAverageMaturityDebt" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="voya_DebtInstrumentRenewalPeriod" abstract="false" name="DebtInstrumentRenewalPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="voya_VariableInterestEntityDeconsolidationNumberOfEntities" abstract="false" name="VariableInterestEntityDeconsolidationNumberOfEntities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="voya_OtherInvestmentsFairValueDisclosure" abstract="false" name="OtherInvestmentsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="voya_EURIBOROrSOFRMember" abstract="true" name="EURIBOROrSOFRMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
