<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Wed Oct 14 09:15:48 UTC 2026 -->
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  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0000935823-20261015_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="ck0000935823-20261015_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="ck0000935823-20261015_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="MortalityAndExpenseRiskChargeIfContractValueIs1000000OrGreaterMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0000935823_MortalityAndExpenseRiskChargeIfContractValueIs1000000OrGreaterMember"/>
  <xs:element name="MortalityAndExpenseRiskChargeIfContractValueIsBetween500000And99999999Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0000935823_MortalityAndExpenseRiskChargeIfContractValueIsBetween500000And99999999Member"/>
  <xs:element name="MortalityAndExpenseRiskChargeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0000935823_MortalityAndExpenseRiskChargeMember"/>
<!-- [WMV7][UbY1ofpSt605iQa+TRI8Xj0RiG1RnDsD4L4jWCYyfcSWdvOh0oW8RiGqSs2Ul+Mn1CW0l7trlri+MjrBzq83NqM0gbR/NAraGvOdZIB6zlqXfdPJWUdS01v4EXbBnoYbHp5bLU+z4zR0WvZrATDmiyWnEgsSgc9qJnFJgA2fztHAqbxCQn8/ibwTdz83TtBptorQn2uca084J9kHHjp6Die8oV1Otzn8/UiELUGioOjjHHsBtzbbC4o2KYrIEyiYg5TdR98VU/Q/fqV58Ghsdxnh7y9K+pQKfeyj70DGudAbDQ/3Y6hL7CpB4HbsssBeJqy8HYi8l047+mdHkYiHpD8owsshqHrLOHk6ITlL7UxP87NkVx4D6ZOVI6+Q0EQFIhfUb1AIRgtgn1PT0M6qBmmK1o2bIVkEQEBBgFELIRaeh7hln283] CSR-->
  <xs:element name="PortfolioIncomeBenefitMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0000935823_PortfolioIncomeBenefitMember"/>
</xs:schema>
