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    <element id="FOXO_CommonStockIssuedForConversionsAndExchangesOfNotesPayable" name="CommonStockIssuedForConversionsAndExchangesOfNotesPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FOXO_CommonStockIssuedissuableUnderTermsOfNotesPayable" name="CommonStockIssuedissuableUnderTermsOfNotesPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FOXO_CommonStockIssuableToFinderForFindersFees" name="CommonStockIssuableToFinderForFindersFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FOXO_SubsequentEventsTable" name="SubsequentEventsTable" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" />
    <element id="FOXO_InvestorOwnershipPercentage" name="InvestorOwnershipPercentage" nillable="true" xbrli:periodType="instant" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="FOXO_AdditionalUnsecuredPromissoryNotesMember" name="AdditionalUnsecuredPromissoryNotesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FOXO_OneInstitutionalInvestorsShares" name="OneInstitutionalInvestorsShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="FOXO_TwoInstitutionalInvestorsShares" name="TwoInstitutionalInvestorsShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="FOXO_InvestorsShares" name="InvestorsShares" nillable="true" xbrli:periodType="instant" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="FOXO_OneInstitutionalInvestorMember" name="OneInstitutionalInvestorMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FOXO_TwoInstitutionalInvestorMember" name="TwoInstitutionalInvestorMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
</schema>
