<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Thu Aug 13 22:54:09 UTC 2026 -->
<xs:schema elementFormDefault="qualified" xmlns:ck0001554348="http://www.globalatlantic.com/20260817" targetNamespace="http://www.globalatlantic.com/20260817" 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="ck0001554348-20260817_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="ck0001554348-20260817_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="ck0001554348-20260817_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="C000160852Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001554348_C000160852Member"/>
  <xs:element name="PutnamVTGlobalAssetAllocationFundMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001554348_PutnamVTGlobalAssetAllocationFundMember"/>
<!-- [WMV7][pgOyTFmC0D6vCOjdjCTItuTbvAbrvGLKoSvGccyxuobytNOo/cl1lkeZrUyUHUmqiScoHzMTzLprviNmEcratIDOt3MwB4mp6dbPoHQLlNBktY8l0fTjbQyKps7DjmWbcI0t44FP0KQZVbLHPPWwETv7WHo95HYGeMJIKsp1LjTexuhvNyrZAAf1Hk61lcWB3qHndNahHW3tVaWm7XgRlQZ2oxcop1z4bJx2PEcf2+7DPcvv/asv96YrrwL/zE1PWWg6QsYzWtK0gGfSgnGj2MVUbCIyN7fMju7LvsS6P9IWm5TsBkXfHd7dsB39c/g/v+H6MzgR4X5J25h6rbcYWiJ42azXTg4rwqWWxBE5fMQVXeu8IPPAATP4QdTrh8rF8oLaWENyAPGd/HnVg9TMq457Ea4iEQFcPg2I] CSR-->
  <xs:element name="PutnamVTInternationalValueFundMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001554348_PutnamVTInternationalValueFundMember"/>
</xs:schema>
