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  <xs:element id="cik0000914748_ReinsuranceAnnualCoverageFee" abstract="false" name="ReinsuranceAnnualCoverageFee" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cik0000914748_WholeAccountQuotaShareReinsuranceAgreementPercentage" abstract="false" name="WholeAccountQuotaShareReinsuranceAgreementPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="cik0000914748_CededLossesAndLossAdjustmentExpenses" abstract="false" name="CededLossesAndLossAdjustmentExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cik0000914748_DividendsReceivedOnCommonSharesReportedAsNetInvestmentIncomeInConsolidatedStatementsOfOperationsAndComprehensiveIncomeLoss" abstract="false" name="DividendsReceivedOnCommonSharesReportedAsNetInvestmentIncomeInConsolidatedStatementsOfOperationsAndComprehensiveIncomeLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cik0000914748_ExpensesIncurredByCompanyFromServicesProvidedByAffiliates" abstract="false" name="ExpensesIncurredByCompanyFromServicesProvidedByAffiliates" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cik0000914748_IncurredLossesAndLossAdjustmentExpensesAssumedNet" abstract="false" name="IncurredLossesAndLossAdjustmentExpensesAssumedNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cik0000914748_IncurredLossesAndLossAdjustmentExpensesCededNet" abstract="false" name="IncurredLossesAndLossAdjustmentExpensesCededNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cik0000914748_MtLoganReMember" abstract="true" name="MtLoganReMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
