<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Tue Sep 29 07:08:55 UTC 2026 -->
<xs:schema xmlns:massmutual="http://www.MassMutual.com/20251231" elementFormDefault="qualified" targetNamespace="http://www.MassMutual.com/20251231" 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="massmutual-20251231_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="massmutual-20251231_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="massmutual-20251231_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="MMLFocusedEquityFundServiceClassIMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="massmutual_MMLFocusedEquityFundServiceClassIMember"/>
<!-- [WMV7][1zkh5SYSW8s9Re0j74iQuY9hloJSj3VTAxdRTypkIh7nmDIXRxRsDc/Xm+rU9tY1xkQNFkw3MISrMH91bmN6HNTXcmsG+nUIt+IT2uZzWyRoZfbIptylG54+0snE2zHA9qx6syiloNmmpmsX14wRDefS6ECe/j2ZvisSAGUgDKUy9vU0RoJDPU/i8fCVXv5stpSrF3ENLMj1YUEKvBgD5WR6QC02aB1zwILXDX+oZr7VBKII5k00gKDFEIq1Wx0/fr/gSgYjgOg/loeJoIerEtTivj8NDRa2AAzDA5kEWGjZ9FPOl7/8/Juq8932YPd6iOZqRghPXQejbclfIFw3xRxWF1cpLetZV1MXtneWU2b/g+mttFzMHoclMsRK7cY=] CSR-->
  <xs:element name="MMLForeignFundServiceClassMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="massmutual_MMLForeignFundServiceClassMember"/>
</xs:schema>
