<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Fri Jul 24 19:15:14 UTC 2026 -->
<xs:schema elementFormDefault="qualified" targetNamespace="http://www.prudential.com/20251231" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:pfrcf="http://www.prudential.com/20251231" 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="pfrcf-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="pfrcf-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="pfrcf-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-n4/2026" schemaLocation="https://xbrl.sec.gov/vip/2026/vip-n4-2026.xsd"/>
  <xs:element name="RisksOfInvestingInVariableOptionsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pfrcf_RisksOfInvestingInVariableOptionsMember"/>
<!-- [WMV7][27x3vzS7XUzQMt91cH8jZh4cbxjzIMT2y/eexlImcWJbUeRIPMkB2j09ZCl79d7hv1MyMRwzMU/tb99dEvzC3sfBEoh8nrBlaw5RGekr9yOpOB77Ku47q1CuSYpIhbeukvMZ4mATwOKAgz0hKEtsEFuQ1RbYCBf9AJqyYdowANwcVQCwzoTaBENKZEsIQ7RWonZQ6JLMcIGxV3NRGM122z1Urkf4FWuizfv0+JWccUsmqPSAzXFBB/lz6Fjj7Etw55jT4O21rjVfDtuVOvJfNqJEhA6w7gvMbfTLjyTCiWYfBmj3kZw1zxwUAn4vBHTTXUH2jeRoyONf1ReG8K55xciE3NqS6MoQoI7Vs9r3EuCXsYUfsE9J6Vxeso0X5yWBjd3b] CSR-->
  <xs:element name="TransferRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="pfrcf_TransferRiskMember"/>
</xs:schema>
