<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Fri Aug 14 20:18:02 UTC 2026 -->
<xs:schema elementFormDefault="qualified" xmlns:ck0000914245="http://www.protectivelife.com/20260818" targetNamespace="http://www.protectivelife.com/20260818" 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="ck0000914245-20260818_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="ck0000914245-20260818_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="ck0000914245-20260818_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"/>
<!-- [WMV7][pOyNqYRHRW+2680gqCaKg6oKJAHK/62AUDf+LpmDXYsSbb3ZDj3lJkqtj8vzflooNgBAiTpb0qlo/SqfO5viaIWUIcfVmjNbJ7t5JM+WtNh1DqgOwNkEASJp8H8OgPcT1Yzlc9LhAyvlTr5g2nxoMjKuyIjKezS7pD9wlR17ejtuHqE3BcFcuHKcwvCAp5HhwAT8juxT1R2xa+fzpUghgkJMh2PUFlvEVnNZlzN6oHHIQCAyHEMZqLuLtyrkavxtSO0IWcZ8ynHEsp8y0InVRp32uXYnwr2iOEES7WbIUIFOIBvLfkvngtVajizR3XHiGq0/k6/IqaIUAuBAXafOS2NQKL06jLm87GEtxSP8cqiD3EAFZknrny02rmc5DTSX4kSj+x9rlCQqIlYtzAzxmBn7CuzAhaBFrbfJzFLPQQ==] CSR-->
  <xs:element name="PutnamVTInternationalValueFundMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0000914245_PutnamVTInternationalValueFundMember"/>
</xs:schema>