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  <xs:element id="cia_LiabilityForFuturePolicyBenefitGrossPremiumIncomeNetOfAdjustments" abstract="false" name="LiabilityForFuturePolicyBenefitGrossPremiumIncomeNetOfAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_LiabilityForFuturePolicyBenefitGrossPremiumIncomeReinsurance" abstract="false" name="LiabilityForFuturePolicyBenefitGrossPremiumIncomeReinsurance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_LiabilityForFuturePolicyBenefitGrossPremiumExpense" abstract="false" name="LiabilityForFuturePolicyBenefitGrossPremiumExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_LiabilityForFuturePolicyBenefitInterestExpenseNetOfAdjustments" abstract="false" name="LiabilityForFuturePolicyBenefitInterestExpenseNetOfAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_LiabilityForFuturePolicyBenefitWeightedAverageDurationOriginalDiscount" abstract="false" name="LiabilityForFuturePolicyBenefitWeightedAverageDurationOriginalDiscount" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cia_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0000To0149Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0000To0149Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0150To0299Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0150To0299Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0300To0449Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0300To0449Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFromGreaterThanOrEqualTo0450Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFromGreaterThanOrEqualTo0450Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_PolicyholderAccountBalanceGuaranteedCreditRatesRange" abstract="false" name="PolicyholderAccountBalanceGuaranteedCreditRatesRange" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cia_SupplementalContractsWithoutLifeContingenciesMember" abstract="true" name="SupplementalContractsWithoutLifeContingenciesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_DividendAccumulationsMember" abstract="true" name="DividendAccumulationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_PremiumsPaidInAdvanceMember" abstract="true" name="PremiumsPaidInAdvanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_PolicyholderAccountBalanceInterestCredited" abstract="false" name="PolicyholderAccountBalanceInterestCredited" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_UnearnedRevenueReserveMember" abstract="true" name="UnearnedRevenueReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_CoinsuredRiskPercentageReinsuranceRetentionPolicy" abstract="false" name="CoinsuredRiskPercentageReinsuranceRetentionPolicy" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cia_PolicyholderBenefitsClaimsAndSurrendersIncurredAssumed" abstract="false" name="PolicyholderBenefitsClaimsAndSurrendersIncurredAssumed" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_CommissionsExpenseAssumedAndCededNet" abstract="false" name="CommissionsExpenseAssumedAndCededNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_OtherGeneralExpensesIncurredCededAndAssumed" abstract="false" name="OtherGeneralExpensesIncurredCededAndAssumed" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_FederalFundsRateMember" abstract="true" name="FederalFundsRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_LineOfCreditFacilityTerm" abstract="false" name="LineOfCreditFacilityTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cia_NumeratorAbstract" abstract="true" name="NumeratorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cia_DenominatorAbstract" abstract="true" name="DenominatorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cia_CICALifeInsuranceCompanyOfAmericaAColoradoCompanyMember" abstract="true" name="CICALifeInsuranceCompanyOfAmericaAColoradoCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_CICALifeAIAPuertoRicoCompanyMember" abstract="true" name="CICALifeAIAPuertoRicoCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_MinimumCapitalAgreementDateOfAgreement" abstract="false" name="MinimumCapitalAgreementDateOfAgreement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:dateItemType"/>
  <xs:element id="cia_RelatedPartyParentalGuaranteeTermsofAgreement" abstract="false" name="RelatedPartyParentalGuaranteeTermsofAgreement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cia_MinimumAmountOfRiskBasedCapitalParentCorporationAgreedToMaintain" abstract="false" name="MinimumAmountOfRiskBasedCapitalParentCorporationAgreedToMaintain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cia_MinimumCapitalRequirementCompliance" abstract="false" name="MinimumCapitalRequirementCompliance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cia_OtherGeneralExpensesStockBasedCompensation" abstract="false" name="OtherGeneralExpensesStockBasedCompensation" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_OtherGeneralExpensesOtherExpenses" abstract="false" name="OtherGeneralExpensesOtherExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_ClassificationOfPremiumDurationAxis" abstract="true" name="ClassificationOfPremiumDurationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="cia_ClassificationOfPremiumDurationDomain" abstract="true" name="ClassificationOfPremiumDurationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_DirectFirstYearPremiumMember" abstract="true" name="DirectFirstYearPremiumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_DirectRenewalPremiumMember" abstract="true" name="DirectRenewalPremiumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_ReinsurancePremiumsNet" abstract="false" name="ReinsurancePremiumsNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_DACAndCOIA" abstract="false" name="DACAndCOIA" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_OtherSegmentAssets" abstract="false" name="OtherSegmentAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_OtherNonUSMember" abstract="true" name="OtherNonUSMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_ReinsuranceAndChangeInPremiumAccruals" abstract="false" name="ReinsuranceAndChangeInPremiumAccruals" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_GovernmentOfPuertoRicoMember" abstract="true" name="GovernmentOfPuertoRicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_TaxDecreeAllowedDiscountedIncomeTaxRateBelowStatedMinimumTaxableEarningsLimitPercent" abstract="false" name="TaxDecreeAllowedDiscountedIncomeTaxRateBelowStatedMinimumTaxableEarningsLimitPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cia_TaxDecreeStatedMinimumTaxableEarningsAllowedAtDiscountRate" abstract="false" name="TaxDecreeStatedMinimumTaxableEarningsAllowedAtDiscountRate" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_TaxDecreeAllowedDiscountedIncomeTaxRateAboveStatedMinimumTaxableEarningsLimitPercent" abstract="false" name="TaxDecreeAllowedDiscountedIncomeTaxRateAboveStatedMinimumTaxableEarningsLimitPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cia_TaxDecreeStatedMinimumPeriodOfExemptionGranted" abstract="false" name="TaxDecreeStatedMinimumPeriodOfExemptionGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
</xs:schema>
