<?xml version="1.0" encoding="us-ascii"?>
<!-- Generated by DFIN XBRL Schema Document - https://www.dfinsolutions.com/  -->
<!-- Copyright(c) 2026 Donnelley Financial Solutions Inc. All Rights Reserved.  -->
<schema targetNamespace="http://www.nationwide.com/20261006" elementFormDefault="qualified" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:nationwide="http://www.nationwide.com/20261006" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dei="http://xbrl.sec.gov/dei/2026" xmlns:vip-n6="http://xbrl.sec.gov/vip-n6/2026" xmlns:vip="http://xbrl.sec.gov/vip/2026" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31">
	<annotation>
		<appinfo>
			<link:linkbase>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/N6" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#N6"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/N6OngoingFeesData" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#N6OngoingFeesData"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/N6PeriodicChargesData" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#N6PeriodicChargesData"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/N6StandardDeathBenefits" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#N6StandardDeathBenefitsData"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/BenefitsAvailableN6Data" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#BenefitsAvailableN6Data"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/BenefitsDescriptionN6Data" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#BenefitsDescriptionN6Data"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/CommonDimensions" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#CommonDimensions"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/BenefitOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#BenefitOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/ContractOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#ContractOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/PortfolioCompanyOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#PortfolioCompanyOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/ClassOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#ClassOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/GenerationOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#GenerationOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/RiskOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#RiskOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/IndexOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#IndexOnly" />
				<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
				<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
				<link:presentationLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/N6">				
					<!--BenefitAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllBenefitsMember" xlink:label="AllBenefitsMember"/>
					<!--ContractAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllContractsMember" xlink:label="AllContractsMember"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_C000244267Member" xlink:label="C000244267Member"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllContractsMember" xlink:to="C000244267Member" order="2.0" />
					<link:loc xlink:type="locator" xlink:href="#nationwide_C000227150Member" xlink:label="C000227150Member"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllContractsMember" xlink:to="C000227150Member" order="3.0" />
					<link:loc xlink:type="locator" xlink:href="#nationwide_C000277189Member" xlink:label="C000277189Member"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllContractsMember" xlink:to="C000277189Member" order="4.0" />
					<!--ClassAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllClassesMember" xlink:label="AllClassesMember"/>
					<!--PortfolioCompanyAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllPortfolioCompaniesMember" xlink:label="AllPortfolioCompaniesMember"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember" xlink:label="AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllPortfolioCompaniesMember" xlink:to="AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember" order="2.0" />
					<link:loc xlink:type="locator" xlink:href="#nationwide_AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember" xlink:label="AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllPortfolioCompaniesMember" xlink:to="AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember" order="3.0" />
					<!--GenerationAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_CurrentGenerationMember" xlink:label="CurrentGenerationMember"/>
					<!--RiskAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllRisksMember" xlink:label="AllRisksMember"/>
					<!--IndexAxis-->
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllIndexesMember" xlink:label="AllIndexesMember"/>
				</link:presentationLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/BenefitOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllBenefitsMember" xlink:label="AllBenefitsMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/ContractOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllContractsMember" xlink:label="AllContractsMember"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_C000244267Member" xlink:label="C000244267Member"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllContractsMember" xlink:to="C000244267Member" order="1.0"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_C000227150Member" xlink:label="C000227150Member"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllContractsMember" xlink:to="C000227150Member" order="2.0"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_C000277189Member" xlink:label="C000277189Member"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllContractsMember" xlink:to="C000277189Member" order="3.0"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/ClassOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllClassesMember" xlink:label="AllClassesMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/PortfolioCompanyOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllPortfolioCompaniesMember" xlink:label="AllPortfolioCompaniesMember"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember" xlink:label="AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllPortfolioCompaniesMember" xlink:to="AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember" order="1.0"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember" xlink:label="AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllPortfolioCompaniesMember" xlink:to="AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember" order="2.0"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/GenerationOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_CurrentGenerationMember" xlink:label="CurrentGenerationMember"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_PreviouslyOfferedMember" xlink:label="PreviouslyOfferedMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/RiskOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllRisksMember" xlink:label="AllRisksMember"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/IndexOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllIndexesMember" xlink:label="AllIndexesMember"/>
				</link:definitionLink>
				<link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
					<link:loc xlink:type="locator" xlink:href="#nationwide_C000244267Member" xlink:label="C000244267Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000244267Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Protector II VUL - Series H</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000244267Member" xlink:to="label_C000244267Member"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember" xlink:label="AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember"/>
					<link:label xlink:type="resource" xlink:label="label_AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">American Drive Variable Insurance Trust - American Drive Moderate Allocation Portfolio - Class S</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember" xlink:to="label_AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember" xlink:label="AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember"/>
					<link:label xlink:type="resource" xlink:label="label_AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">American Drive Variable Insurance Trust - American Drive Aggressive Allocation Portfolio - Class S</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember" xlink:to="label_AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_C000227150Member" xlink:label="C000227150Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000227150Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Nationwide Accumulator IVUL - Series H</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000227150Member" xlink:to="label_C000227150Member"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_C000277189Member" xlink:label="C000277189Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000277189Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Nationwide Survivorship II VUL Series H</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000277189Member" xlink:to="label_C000277189Member"/>
				</link:labelLink>
			</link:linkbase>
		</appinfo>
	</annotation>
	<import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
	<import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
	<import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
	<import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>
	<import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd"/>
	<import namespace="http://xbrl.sec.gov/vip/2026" schemaLocation="https://xbrl.sec.gov/vip/2026/vip-2026.xsd" />
	<import namespace="http://xbrl.sec.gov/vip-n6/2026" schemaLocation="https://xbrl.sec.gov/vip/2026/vip-n6-2026.xsd" />
	<element name="C000244267Member" id="nationwide_C000244267Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember" id="nationwide_AmericanDriveVariableInsuranceTrustAmericanDriveModerateAllocationPortfolioClassSMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember" id="nationwide_AmericanDriveVariableInsuranceTrustAmericanDriveAggressiveAllocationPortfolioClassSMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000227150Member" id="nationwide_C000227150Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000277189Member" id="nationwide_C000277189Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
</schema>
