<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Fri Jul 10 18:46:25 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"/>
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  <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"/>
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  <xs:import namespace="http://xbrl.sec.gov/vip-n4/2026" schemaLocation="https://xbrl.sec.gov/vip/2026/vip-n4-2026.xsd"/>
<!-- [WMV7][LLWaqVND3ce4hjgfsHnXZ+GrmTUHH92xIayFBkZIEFDcVd1H43Dp7sJRXfpx3xPXIiBc0a7G9qMyFtB4d5bF89OEm0DlYC1umCXd9LleOWZ+Oas8kzNCYQb9jySgWJcJ+1y++keP/H68HcgOvtEy2Pa+ikh6uq7hdmgFNncH2NbG2ICK8Vt1naqfp3iFszYyy8dCpDk+sAY1diSZBsu++utqZmJwUr+tov4rNur0lfxxSLvYITPyGa9GGD7AOJEHh6pJlsuu5H3mS5+Dfz8L6sb8GBTl3n2HFx5ZKAZG+hdd0F2vvo+7sMV1C/Z/Aemyp9MPyAG4aNaGsEjXCe1qMcn4RJ8G6Dgl5N3fRTYw2pwstTE1oCxW0AlkLwAIq1HFyFz4hEJDNTA98Otv/rgLtoKtoXjcxuk5c6RIoQ==] CSR-->
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