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  <xsd:element name="EmployeeBenefitPlanParticipantLoanDateAxis" id="pfg_EmployeeBenefitPlanParticipantLoanDateAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanParticipantLoanDateDomain" id="pfg_EmployeeBenefitPlanParticipantLoanDateDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanJanuary12013ToDecember162015Member" id="pfg_EmployeeBenefitPlanJanuary12013ToDecember162015Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanDecember172015ToDecember142016Member" id="pfg_EmployeeBenefitPlanDecember172015ToDecember142016Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanDecember152016ToMarch212017Member" id="pfg_EmployeeBenefitPlanDecember152016ToMarch212017Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanMarch222017ToJune202017Member" id="pfg_EmployeeBenefitPlanMarch222017ToJune202017Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanJune212017ToDecember192017Member" id="pfg_EmployeeBenefitPlanJune212017ToDecember192017Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanDecember202017ToMarch272018Member" id="pfg_EmployeeBenefitPlanDecember202017ToMarch272018Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanMarch282018ToJune192018Member" id="pfg_EmployeeBenefitPlanMarch282018ToJune192018Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanJune202018ToOctober22018Member" id="pfg_EmployeeBenefitPlanJune202018ToOctober22018Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanOctober32018ToDecember252018Member" id="pfg_EmployeeBenefitPlanOctober32018ToDecember252018Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanDecember262018ToAugust62019Member" id="pfg_EmployeeBenefitPlanDecember262018ToAugust62019Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanAugust72019ToSeptember242019Member" id="pfg_EmployeeBenefitPlanAugust72019ToSeptember242019Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanSeptember252019ToNovember52019Member" id="pfg_EmployeeBenefitPlanSeptember252019ToNovember52019Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanNovember62019ToMarch32020Member" id="pfg_EmployeeBenefitPlanNovember62019ToMarch32020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanMarch42020ToMarch102020Member" id="pfg_EmployeeBenefitPlanMarch42020ToMarch102020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanMarch112020ToMarch172020Member" id="pfg_EmployeeBenefitPlanMarch112020ToMarch172020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanMarch182020ToMarch242020Member" id="pfg_EmployeeBenefitPlanMarch182020ToMarch242020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanMarch252020ToMarch222022Member" id="pfg_EmployeeBenefitPlanMarch252020ToMarch222022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanMarch232022ToMay102022Member" id="pfg_EmployeeBenefitPlanMarch232022ToMay102022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanMay112022ToJune212022Member" id="pfg_EmployeeBenefitPlanMay112022ToJune212022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanJune222022ToAugust22022Member" id="pfg_EmployeeBenefitPlanJune222022ToAugust22022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanAugust32022ToSeptember272022Member" id="pfg_EmployeeBenefitPlanAugust32022ToSeptember272022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanSeptember282022ToNovember82022Member" id="pfg_EmployeeBenefitPlanSeptember282022ToNovember82022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanNovember92022ToDecember202022Member" id="pfg_EmployeeBenefitPlanNovember92022ToDecember202022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanDecember212022ToFebruary72023Member" id="pfg_EmployeeBenefitPlanDecember212022ToFebruary72023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanFebruary82023ToMarch282023Member" id="pfg_EmployeeBenefitPlanFebruary82023ToMarch282023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanMarch292023ToMay92023Member" id="pfg_EmployeeBenefitPlanMarch292023ToMay92023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanMay102023ToAugust12023Member" id="pfg_EmployeeBenefitPlanMay102023ToAugust12023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanAugust22023ToSeptember242024Member" id="pfg_EmployeeBenefitPlanAugust22023ToSeptember242024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanSeptember252024ToNovember122024Member" id="pfg_EmployeeBenefitPlanSeptember252024ToNovember122024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanNovember132024ToNovember192024Member" id="pfg_EmployeeBenefitPlanNovember132024ToNovember192024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanNovember202024ToDecember242024Member" id="pfg_EmployeeBenefitPlanNovember202024ToDecember242024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanDecember252024ToSeptember162025Member" id="pfg_EmployeeBenefitPlanDecember252024ToSeptember162025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanSeptember172025ToSeptember232025Member" id="pfg_EmployeeBenefitPlanSeptember172025ToSeptember232025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanSeptember242025ToNovember42025Member" id="pfg_EmployeeBenefitPlanSeptember242025ToNovember42025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanNovember52025ToDecember162025Member" id="pfg_EmployeeBenefitPlanNovember52025ToDecember162025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanDecember172025ToDecember312025Member" id="pfg_EmployeeBenefitPlanDecember172025ToDecember312025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsindeferredincomeannuityMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsindeferredincomeannuityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInGuaranteedInterestAccountsMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInGuaranteedInterestAccountsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanySmallCapValueIiSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanySmallCapValueIiSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyU.s.PropertySeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyU.s.PropertySeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyCorePlusBondSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyCorePlusBondSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyDiversifiedInternationalSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyDiversifiedInternationalSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyLargeCapStockIndexSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyLargeCapStockIndexSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyGovernmentAndHighQualityBondSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyGovernmentAndHighQualityBondSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyMidCapSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyMidCapSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyGlobalEmergingMarketsSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyGlobalEmergingMarketsSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyDiversifiedRealAssetSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyDiversifiedRealAssetSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyInflationProtectionSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyInflationProtectionSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyLargeCapGrowthISeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyLargeCapGrowthISeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyBlueChipSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyBlueChipSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanySmallCapGrowthISeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanySmallCapGrowthISeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanySmallCapStockIndexSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanySmallCapStockIndexSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyEquityIncomeSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyEquityIncomeSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyMidCapStockIndexSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyDepositsInInsuranceCompanyMidCapStockIndexSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2015Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2015Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2020Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2025Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2030Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2030Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveinvestmenttrustLifetimehybrid2035Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveinvestmenttrustLifetimehybrid2035Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveinvestmenttrustLifetimehybrid2040Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveinvestmenttrustLifetimehybrid2040Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveinvestmenttrustLifetimehybrid2045Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveinvestmenttrustLifetimehybrid2045Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveinvestmenttrustLifetimeHybrid2050Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveinvestmenttrustLifetimeHybrid2050Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2055Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2055Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2060Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2060Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2065Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2065Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2070Member" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybrid2070Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybridIncomeMember" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustLifetimeHybridIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SeiTrustCompanyCollectiveInvestmentTrustPrinBrAggregateBondIndexMember" id="pfg_SeiTrustCompanyCollectiveInvestmentTrustPrinBrAggregateBondIndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SeiTrustCompanyCollectiveInvestmentTrustPrinBrInternationalEquityIndexMember" id="pfg_SeiTrustCompanyCollectiveInvestmentTrustPrinBrInternationalEquityIndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustMorleyIncomeFundIiiMember" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustMorleyIncomeFundIiiMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustMorleyStableIncomeBondFundMember" id="pfg_PrincipalGlobalInvestorsTrustCompanyCollectiveInvestmentTrustMorleyStableIncomeBondFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalLifeInsuranceCompanyPooledSeparateAccountsPrincipalLiquidAssetsSeparateAccountMember" id="pfg_PrincipalLifeInsuranceCompanyPooledSeparateAccountsPrincipalLiquidAssetsSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SchwabFundsSelfDirectedBrokerageAccountMember" id="pfg_SchwabFundsSelfDirectedBrokerageAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalFinancialGroupInc.EsopMember" id="pfg_PrincipalFinancialGroupInc.EsopMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanInvestmentInvestmentsTransfersBetweenFairValueLevels" id="pfg_EmployeeBenefitPlanInvestmentInvestmentsTransfersBetweenFairValueLevels" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeBenefitPlanPooledSeparateAccountExcludingSeparateSeparateAccountsMember" id="pfg_EmployeeBenefitPlanPooledSeparateAccountExcludingSeparateSeparateAccountsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanCommonCollectiveTrustExcludingSeparateSeparateAccountsMember" id="pfg_EmployeeBenefitPlanCommonCollectiveTrustExcludingSeparateSeparateAccountsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalSelectStableValueSeparateAccountMember" id="pfg_PrincipalSelectStableValueSeparateAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WrapperContractMember" id="pfg_WrapperContractMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
