<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Thu Oct 08 14:57:27 UTC 2026 -->
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  <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="EstateLockDeathBenefitRiderChargeRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0000847552_EstateLockDeathBenefitRiderChargeRateMember"/>
<!-- [WMV7][1zfNVEwx5AIQwbxO7IXDRrZ5hL8uAFklTtkIemkCEo3Un2/vxPTEwXGAGgfSkmkIIYdSxtq7poU89JmF+Whg23Fl0wyQTGqVWczclqLDWFrrNFry6CXz/I5Jea2rCJYVMDuHQUR9AkWa2R2O0dXfrHbRHFSNHyWfM5DTb1PF33SiHQeA6lmVzIy5kij4P5oTRDaZygbdxlhQlLPOd8p8LYNKUOC/rMfzzfZ6g5QM2G2ug40Y1ENXJNxIOxEYLflBodJtNp/4pn/oF9bAkJvJ7Jn40iJCxVoiuxqV4qsy6mBs5wgmWmvDr9mgXSULgUulInMH/80fZwPi8/Pfhct/dfMPoTc4d0HTsHhzUFkpxq9hky1iaF7y8xb3gYzeOP5tdaug0tDRIItjNgbtSEo=] CSR-->
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