<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Thu Jul 09 10:59:34 UTC 2026 -->
<xs:schema xmlns:massmutual="http://www.MassMutual.com/20251231" elementFormDefault="qualified" targetNamespace="http://www.MassMutual.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:dtr="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="massmutual-20251231_lab.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="massmutual-20251231_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="massmutual-20251231_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-n6/2026" schemaLocation="https://xbrl.sec.gov/vip/2026/vip-n6-2026.xsd"/>
<!-- [WMV7][YNT5SNz+j8hvvAqPbC3SHdX4jc/JMINDkxawj5pAxhOf5EYa0Ipy7HOHaaLMvfANY4xKVL2E+ZMRWj9KqyFHutEuOn5RPJPvp0WHnoyjfjVVChhpZVWXt5zoYxm25chmmO/xMJu34/H7ztma4e0ZKoDqXT/OCL7WdZ2jtMgwfFqd8mtt5Qvss/diPPIqzojPOatbpPd4ugCnBwkjhocg1s0xecLmx0UVq+QGRFEbmao86nnM9u1Y2mjmgmlfJzwwuG0ONU3L/oY3uRYERxJ5EIWUMIJcRklx26dz2zmCmZVeBIagBAer+AlBqy1CcNEHCYM+FNJURPNLCSMjh9M5cLyQNHfjDLAb9kOg+nMZOw==] CSR-->
  <xs:element name="MMLVIPWellingtonSmallCapGrowthEquityFundInitialClassMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="massmutual_MMLVIPWellingtonSmallCapGrowthEquityFundInitialClassMember"/>
</xs:schema>