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          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_ContractIssuedOneMember" xlink:to="lab_cik0000723258_ContractIssuedOneMember" />
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          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_ContractIssuedTwoMember" xlink:to="lab_cik0000723258_ContractIssuedTwoMember" />
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          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_OneYear0Floor1CapMember" xlink:to="lab_cik0000723258_OneYear0Floor1CapMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_OneYear10Buffer1CapMember" xml:lang="en-US">One Year 10 Buffer 1 Cap [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_OneYear10Buffer1CapMember" xlink:to="lab_cik0000723258_OneYear10Buffer1CapMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_OneYear10Buffer1TriggerRateMember" xml:lang="en-US">One Year 10 Buffer 1 Trigger Rate [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_OneYear10Buffer1TriggerRateMember" xlink:to="lab_cik0000723258_OneYear10Buffer1TriggerRateMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_OneYear10Buffer5UpsideParticipationRateMember" xml:lang="en-US">One Year 10 Buffer 5 Upside Participation Rate [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_OneYear10Buffer5UpsideParticipationRateMember" xlink:to="lab_cik0000723258_OneYear10Buffer5UpsideParticipationRateMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_OneYear10BufferCapControlMember" xml:lang="en-US">One Year 10 Buffer Cap Control [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_OneYear10BufferCapControlMember" xlink:to="lab_cik0000723258_OneYear10BufferCapControlMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_OneYear10Floor1CapMember" xml:lang="en-US">One Year 10 Floor 1 Cap [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_OneYear10Floor1CapMember" xlink:to="lab_cik0000723258_OneYear10Floor1CapMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_OneYear20Buffer1CapMember" xml:lang="en-US">One Year 20 Buffer 1 Cap [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_OneYear20Buffer1CapMember" xlink:to="lab_cik0000723258_OneYear20Buffer1CapMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000723258-20261101.xsd#cik0000723258_OneYear20Buffer1TriggerRateMember" xlink:label="loc_cik0000723258_OneYear20Buffer1TriggerRateMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_OneYear20Buffer1TriggerRateMember" xml:lang="en-US">One Year 20 Buffer 1 Trigger Rate [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_OneYear20Buffer1TriggerRateMember" xlink:to="lab_cik0000723258_OneYear20Buffer1TriggerRateMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000723258-20261101.xsd#cik0000723258_OneYear20BufferCapControlMember" xlink:label="loc_cik0000723258_OneYear20BufferCapControlMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_OneYear20BufferCapControlMember" xml:lang="en-US">One Year 20 Buffer Cap Control [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_OneYear20BufferCapControlMember" xlink:to="lab_cik0000723258_OneYear20BufferCapControlMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_OneYear50DownsideParticipationRate1CapMember" xml:lang="en-US">One Year 50 Downside Participation Rate 1 Cap [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_OneYear50DownsideParticipationRate1CapMember" xlink:to="lab_cik0000723258_OneYear50DownsideParticipationRate1CapMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_OneYear50DownsideParticipationRate5UpsideParticipationRateMember" xml:lang="en-US">One Year 50 Downside Participation Rate 5 Upside Participation Rate [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_OneYear50DownsideParticipationRate5UpsideParticipationRateMember" xlink:to="lab_cik0000723258_OneYear50DownsideParticipationRate5UpsideParticipationRateMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_SixYears10Buffer5UpsideParticipationRateAnd1CapMember" xml:lang="en-US">Six Years 10 Buffer 5 Upside Participation Rate And 1 Cap [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_SixYears10Buffer5UpsideParticipationRateAnd1CapMember" xlink:to="lab_cik0000723258_SixYears10Buffer5UpsideParticipationRateAnd1CapMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000723258-20261101.xsd#cik0000723258_SixYears10Buffer5UpsideParticipationRateMember" xlink:label="loc_cik0000723258_SixYears10Buffer5UpsideParticipationRateMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_SixYears10Buffer5UpsideParticipationRateMember" xml:lang="en-US">Six Years 10 Buffer 5 Upside Participation Rate [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_SixYears10Buffer5UpsideParticipationRateMember" xlink:to="lab_cik0000723258_SixYears10Buffer5UpsideParticipationRateMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000723258-20261101.xsd#cik0000723258_SixYears20Buffer5UpsideParticipationRateAnd1CapMember" xlink:label="loc_cik0000723258_SixYears20Buffer5UpsideParticipationRateAnd1CapMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_SixYears20Buffer5UpsideParticipationRateAnd1CapMember" xml:lang="en-US">Six Years 20 Buffer 5 Upside Participation Rate And 1 Cap [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_SixYears20Buffer5UpsideParticipationRateAnd1CapMember" xlink:to="lab_cik0000723258_SixYears20Buffer5UpsideParticipationRateAnd1CapMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000723258-20261101.xsd#cik0000723258_SixYears20Buffer5UpsideParticipationRateMember" xlink:label="loc_cik0000723258_SixYears20Buffer5UpsideParticipationRateMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_SixYears20Buffer5UpsideParticipationRateMember" xml:lang="en-US">Six Years 20 Buffer 5 Upside Participation Rate [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_SixYears20Buffer5UpsideParticipationRateMember" xlink:to="lab_cik0000723258_SixYears20Buffer5UpsideParticipationRateMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_TenBufferStrategyMember" xml:lang="en-US">Ten Buffer Strategy [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_TenBufferStrategyMember" xlink:to="lab_cik0000723258_TenBufferStrategyMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_ThreeYears10Buffer5UpsideParticipationRateAnd1CapMember" xml:lang="en-US">Three Years 10 Buffer 5 Upside Participation Rate And 1 Cap [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_ThreeYears10Buffer5UpsideParticipationRateAnd1CapMember" xlink:to="lab_cik0000723258_ThreeYears10Buffer5UpsideParticipationRateAnd1CapMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000723258-20261101.xsd#cik0000723258_ThreeYears10Buffer5UpsideParticipationRateMember" xlink:label="loc_cik0000723258_ThreeYears10Buffer5UpsideParticipationRateMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_ThreeYears10Buffer5UpsideParticipationRateMember" xml:lang="en-US">Three Years 10 Buffer 5 Upside Participation Rate [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_ThreeYears10Buffer5UpsideParticipationRateMember" xlink:to="lab_cik0000723258_ThreeYears10Buffer5UpsideParticipationRateMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_ThreeYears20Buffer5UpsideParticipationRateAnd1CapMember" xml:lang="en-US">Three Years 20 Buffer 5 Upside Participation Rate And 1 Cap [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_ThreeYears20Buffer5UpsideParticipationRateAnd1CapMember" xlink:to="lab_cik0000723258_ThreeYears20Buffer5UpsideParticipationRateAnd1CapMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000723258-20261101.xsd#cik0000723258_ThreeYears20Buffer5UpsideParticipationRateMember" xlink:label="loc_cik0000723258_ThreeYears20Buffer5UpsideParticipationRateMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_ThreeYears20Buffer5UpsideParticipationRateMember" xml:lang="en-US">Three Years 20 Buffer 5 Upside Participation Rate [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_ThreeYears20Buffer5UpsideParticipationRateMember" xlink:to="lab_cik0000723258_ThreeYears20Buffer5UpsideParticipationRateMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_TwentyBufferStrategyMember" xml:lang="en-US">Twenty Buffer Strategy [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_TwentyBufferStrategyMember" xlink:to="lab_cik0000723258_TwentyBufferStrategyMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_TwoYear50DownsideParticipationRate1CapMember" xml:lang="en-US">Two Year 50 Downside Participation Rate 1 Cap [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_TwoYear50DownsideParticipationRate1CapMember" xlink:to="lab_cik0000723258_TwoYear50DownsideParticipationRate1CapMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_TwoYear50DownsideParticipationRate5UpsideParticipationRateMember" xml:lang="en-US">Two Year 50 Downside Participation Rate 5 Upside Participation Rate [Member]</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_MarketRiskRelatedToIndexesMember" xml:lang="en-US">Market Risk Related to Indexes [Member]</link:label>
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          <link:loc xlink:type="locator" xlink:href="cik0000723258-20261101.xsd#cik0000723258_MarketRiskRelatedToOptionPricesMember" xlink:label="loc_cik0000723258_MarketRiskRelatedToOptionPricesMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_MarketRisksMember" xml:lang="en-US">MARKET RISKS [Member]</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_PerformanceLockRiskMember" xml:lang="en-US">Performance Lock Risk [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_PerformanceLockRiskMember" xlink:to="lab_cik0000723258_PerformanceLockRiskMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000723258-20261101.xsd#cik0000723258_RegulatoryRiskMember" xlink:label="loc_cik0000723258_RegulatoryRiskMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_RegulatoryRiskMember" xml:lang="en-US">Regulatory Risk [Member]</link:label>
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  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
  <import namespace="http://www.xbrl.org/2009/arcrole/deprecated" schemaLocation="http://www.xbrl.org/lrr/arcrole/deprecated-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2003/XLink" schemaLocation="http://www.xbrl.org/2003/xl-2003-12-31.xsd" />
  <import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-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.sec.gov/vip-n4/2026" schemaLocation="https://xbrl.sec.gov/vip/2026/vip-n4-2026.xsd" />
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  <element name="SixYears10Buffer5UpsideParticipationRateMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_SixYears10Buffer5UpsideParticipationRateMember" substitutionGroup="xbrli:item" />
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  <element name="Item4.FeeTablesRelatedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_Item4.FeeTablesRelatedAbstract" substitutionGroup="xbrli:item" />
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  <element name="TriggerRateReturnLimitMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_TriggerRateReturnLimitMember" substitutionGroup="xbrli:item" />
  <element name="UpsideParticipationRateReturnLimitMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_UpsideParticipationRateReturnLimitMember" substitutionGroup="xbrli:item" />
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</schema>
