<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Fri Aug 14 19:28:51 UTC 2026 -->
<xs:schema elementFormDefault="qualified" targetNamespace="http://www.protective.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:ck0001821985="http://www.protective.com/20260818" 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="ck0001821985-20260818_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="ck0001821985-20260818_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="ck0001821985-20260818_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-n6/2026" schemaLocation="https://xbrl.sec.gov/vip/2026/vip-n6-2026.xsd"/>
  <xs:element name="C000222824Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001821985_C000222824Member"/>
  <xs:element name="PutnamVTFocusedInternationalEquityFundMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001821985_PutnamVTFocusedInternationalEquityFundMember"/>
  <xs:element name="PutnamVTGlobalAssetAllocationFundMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001821985_PutnamVTGlobalAssetAllocationFundMember"/>
<!-- [WMV7][xajiYbcOF0EjClhfVo2PuQ0PkZGzy5Jy9MOf0XhxKMQFaWjUfA3c4PdM2P3TvkXW09fvBU/2CetBApk6REu9IgymIEbxfzLAEGUYcz6WQ1tRRYOgDCwXoQWJJrWy3frcDJo5YKcvV0tW03RjpBy6ZOhAVxnKrinNESK+ZwhY7pD6r77Y6Z8Ect5GZswyZqHOW552Bf/yzJn8P/zrhntwO+cEd9NPiv1b7vn0WszurD7Hpa3qpamkL0q/sKyDeoRUgA6Y3h5fq9EHKWrWDY89UD+BCyrH+YNeYdHrd0++dOaTKLs0nNKk2Yf0fPyUEBQw7OY0DLvRkc5XaGxSugz7/FdlWxrWOod3ewhrCg1cgS0FdZKUOzk6t6x0fmuEkZtmiq8=] CSR-->
  <xs:element name="PutnamVTInternationalValueFundMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001821985_PutnamVTInternationalValueFundMember"/>
</xs:schema>
