<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Fri Jul 10 18:48:08 UTC 2026 -->
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  <xs:annotation>
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      <link:linkbaseRef xlink:type="simple" xlink:href="cik0001048606-20260710_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="cik0001048606-20260710_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"/>
    </xs:appinfo>
  </xs:annotation>
  <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"/>
  <xs:import namespace="http://xbrl.sec.gov/vip-n4/2026" schemaLocation="https://xbrl.sec.gov/vip/2026/vip-n4-2026.xsd"/>
<!-- [WMV7][dibykisSNvAPWGkVuISjmb7vYzrlNC5MC7BQczBUqFF6vYIS3wNJbYQNPaDCVqvAKYdL73tTSx+sJrc3mRhdrxi5hyeSK8487lgN7RPbsdMpt0pGYoV2iP+9siIBXWgXG7p/qsFHSFpb7AsmNE6ysc6juUeGLzVRH+0IHCk06ks3a3m+0HSwx7MFmNc4s7iGsW2pUGCjyGu1SMK2MCtMFXEZFrn/ltuxLuNRbbWrNFMgBJBtHwkytcUo7fKxBo+jxOkJaFQ2WKuIK3fTuUFrAF58/FoxoL4c4yIK+qkrpm6wrl7aMUPiDtUSrFnP+ZHuZmUpe+lNZWxrSdNcD6rDT6+XjeloOb+npto3mgzz9jEKXZ4nukxiWsO1/hFH875Y5KnbLOPHY7zkpUziEeLHlGQAecgSDzyXDRswWvSWYakvfQ==] CSR-->
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</xs:schema>