<?xml version="1.0" encoding="utf-8"?>
<!--Generated by DFIN XBRL Instance Document - http://www.dfinsolutions.com/ - Version R3.0 - on 10-June-2026 [08:34:25] {PM}-->
<schema targetNamespace="http://www.equitable.com/20260618" elementFormDefault="qualified" xmlns:cik0001822818="http://www.equitable.com/20260618" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:vip="http://xbrl.sec.gov/vip/2025" xmlns:country="http://xbrl.sec.gov/country/2025" xmlns:deprecated="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31">
  <annotation>
    <appinfo>
      <link:linkbase id="lnk" >
        <link:roleRef xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#N4" roleURI="http://xbrl.sec.gov/vip/role/N4"  />
        <link:roleRef xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#ContractOnly" roleURI="http://xbrl.sec.gov/vip/role/ContractOnly"  />
        <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_ContractAxis" xlink:label="loc_vip_ContractAxis_138349168" />
          <link:loc xlink:type="locator" xlink:href="cik0001822818-20260618.xsd#cik0001822818_C000223240Member" xlink:label="loc_cik0001822818_C000223240Member_138349288" />
          <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_vip_ContractAxis_138349168" xlink:to="loc_cik0001822818_C000223240Member_138349288" order="100" />
        </link:presentationLink>
        <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: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="loc_vip_AllContractsMember_138349168" />
          <link:loc xlink:type="locator" xlink:href="cik0001822818-20260618.xsd#cik0001822818_C000223240Member" xlink:label="loc_cik0001822818_C000223240Member_138349288" />
          <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_vip_AllContractsMember_138349168" xlink:to="loc_cik0001822818_C000223240Member_138349288" order="100" />
        </link:definitionLink>
        <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link" >
          <link:loc xlink:type="locator" xlink:href="cik0001822818-20260618.xsd#cik0001822818_C000223240Member" xlink:label="loc_cik0001822818_C000223240Member" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0001822818_C000223240Member" xml:lang="en-US">C000223240 [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0001822818_C000223240Member" xlink:to="lab_cik0001822818_C000223240Member" />
        </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/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <import namespace="http://xbrl.sec.gov/vip-n4/2025" schemaLocation="https://xbrl.sec.gov/vip/2025/vip-n4-2025.xsd" />
  <import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
  <element name="C000223240Member" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0001822818_C000223240Member" substitutionGroup="xbrli:item" />
</schema>
