<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Fri May 29 00:00:08 UTC 2026 -->
<xs:schema elementFormDefault="qualified" targetNamespace="http://www.prudential.com/20251231" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:us-types="http://xbrl.us/us-types/2009-01-31" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:pmava="http://www.prudential.com/20251231" xmlns:dtr="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
<!-- [WMV7][vRLloRiyNpbTPU7Km44ofivV4oxV6hMbZ1bxy9q7HHZflzCB817lVnHhmKqFQT+aM9hTzwuJu7z1jimzQLMaAN8hkqh6oxvl78pH8WboQ15S9JtwOzkrP5x/gOgY+xrt612EDD6gI7bwQDmWGZJ+OAVo/+I+4zNwzYQHnPMqmE0zwWxeQEOU+Eg49hKX6CeHVIdFwLQYI/MCvHtHxcYpgeBArQWxTgOmnyXbaV4MF1ItpPczpjCwT0W7IU68rewft0xW+Mx5dMevT/EFBSb4WY/2GVuVgQOG6B5x9D9GrKTELfE1f1PSw0ZYybr9aqr3Hl8sOaJ9DcYK44nNDBle++LkysZ+dH+FRCXSI7cT7iqaX9DHwpHuiSZp6+LJCJaePC9dzN09RdP8RmvR7l5RUvA=] CSR-->
  <xs:import namespace="http://xbrl.sec.gov/vip-n4/2026" schemaLocation="https://xbrl.sec.gov/vip/2026/vip-n4-2026.xsd"/>
</xs:schema>