<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Tue Jul 28 17:24:49 UTC 2026 -->
<xs:schema elementFormDefault="qualified" targetNamespace="http://www.protective.com/20260729" 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:ck0000948923="http://www.protective.com/20260729" 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="ck0000948923-20260729_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="ck0000948923-20260729_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="ck0000948923-20260729_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][RTjiqzgtSUmgEgGr8+FK9BvX91Ikb8ZdVk87+Gg2lvhHPgn1ifeeJLXF/FT1PIhMHHpWVPJdhfMZSk5ZF+agdpqhefWulTy/TJoyz9/B8gft/vNNXr0D3/K8+CPiPxG2BpgIEgh5N0B5X/TgziEhQVmOnerP8oghQR9KBfzOjkBC6D3mfO76IrFIBEro1HkZ0vTd7OP9F5XkxOAYhKw3xL6yUxRncIYR6PpaGcXPA8vJsoZOzEU9GYStFJvTPDFSv3HKAPgn7gw87gEHMR8GxEIkBEM9/pSp0corL/XhKjZ4o+SG+Fp/P7sqcwBvoKD68Zy5Nj1SZtWUIzaORfH9Q0bg2vjJvWjDZilxNRMDR6LQDYFxhouba2gOMa1aJLXITvMcmyeBWmgUgiiv7BQVyraDAuGSb8Pw3b4=] CSR-->
  <xs:element name="VanguardVariableInsuranceFundsMorningstarMidCapIndexPortfolioMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0000948923_VanguardVariableInsuranceFundsMorningstarMidCapIndexPortfolioMember"/>
</xs:schema>