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          <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" />
          <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_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_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_Minus10FloorStrategyMember" xml:lang="en-US">Minus 10 Floor Strategy [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_ZeroFloorStrategyMember" xml:lang="en-US">Zero Floor Strategy [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_SixYears10BufferCapControlMinimumMember" xml:lang="en-US">Six Years 10 Buffer Cap Control Minimum [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_SixYears10BufferCapControlMinimumMember" xlink:to="lab_cik0000723258_SixYears10BufferCapControlMinimumMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_SixYears20BufferCapControlMinimumMember" xml:lang="en-US">Six Years 20 Buffer Cap Control Minimum [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_SixYears20BufferCapControlMinimumMember" xlink:to="lab_cik0000723258_SixYears20BufferCapControlMinimumMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_UpsideParticipationRateReturnLimitMember" xml:lang="en-US">Upside Participation Rate Return Limit [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_UpsideParticipationRateReturnLimitMember" xlink:to="lab_cik0000723258_UpsideParticipationRateReturnLimitMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_TriggerRateReturnLimitMember" xml:lang="en-US">Trigger Rate Return Limit [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_FreeWithdrawalAllowanceMember" xml:lang="en-US">Free Withdrawal Allowance [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_FreeWithdrawalAllowanceMember" xlink:to="lab_cik0000723258_FreeWithdrawalAllowanceMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_ExtendedCareWaiverMember" xml:lang="en-US">Extended Care Waiver [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_ExtendedCareWaiverMember" xlink:to="lab_cik0000723258_ExtendedCareWaiverMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000723258-20261101.xsd#cik0000723258_TerminalIllnessWaiverMember" xlink:label="loc_cik0000723258_TerminalIllnessWaiverMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_TerminalIllnessWaiverMember" xml:lang="en-US">Terminal Illness Waiver [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_TerminalIllnessWaiverMember" xlink:to="lab_cik0000723258_TerminalIllnessWaiverMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_PerformanceLockMember" xml:lang="en-US">Performance Lock [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000723258_PerformanceLockMember" xlink:to="lab_cik0000723258_PerformanceLockMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000723258_C000261641Member" xml:lang="en-US">Index Summit 6 [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_C000261640Member" xml:lang="en-US">Index Summit 6&#174; with Death Benefit Return of Premium Guarantee [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" />
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  <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="IndexedStrategiesRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_IndexedStrategiesRiskMember" substitutionGroup="xbrli:item" />
  <element name="MarketRiskRelatedToIndexesMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_MarketRiskRelatedToIndexesMember" substitutionGroup="xbrli:item" />
  <element name="DebtSecuritiesRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_DebtSecuritiesRiskMember" substitutionGroup="xbrli:item" />
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  <element name="USGovernmentSecuritiesRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_USGovernmentSecuritiesRiskMember" substitutionGroup="xbrli:item" />
  <element name="VolatilityControlRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_VolatilityControlRiskMember" substitutionGroup="xbrli:item" />
  <element name="MarketRiskRelatedToOptionPricesMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_MarketRiskRelatedToOptionPricesMember" substitutionGroup="xbrli:item" />
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  <element name="BusinessDisruptionAndCybersecurityRisksMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_BusinessDisruptionAndCybersecurityRisksMember" substitutionGroup="xbrli:item" />
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  <element name="OneYear10Buffer1DualPerformanceTriggerRateMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_OneYear10Buffer1DualPerformanceTriggerRateMember" substitutionGroup="xbrli:item" />
  <element name="OneYear20Buffer1CapMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_OneYear20Buffer1CapMember" substitutionGroup="xbrli:item" />
  <element name="OneYear20Buffer1TriggerRateMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_OneYear20Buffer1TriggerRateMember" substitutionGroup="xbrli:item" />
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  <element name="ThreeYears10Buffer5UpsideParticipationRateAnd1CapMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_ThreeYears10Buffer5UpsideParticipationRateAnd1CapMember" substitutionGroup="xbrli:item" />
  <element name="ThreeYears20Buffer5UpsideParticipationRateAnd1CapMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_ThreeYears20Buffer5UpsideParticipationRateAnd1CapMember" substitutionGroup="xbrli:item" />
  <element name="SixYears10Buffer5UpsideParticipationRateAnd1CapMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_SixYears10Buffer5UpsideParticipationRateAnd1CapMember" substitutionGroup="xbrli:item" />
  <element name="SixYears20Buffer5UpsideParticipationRateAnd1CapMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_SixYears20Buffer5UpsideParticipationRateAnd1CapMember" substitutionGroup="xbrli:item" />
  <element name="OneYear0Floor1CapMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_OneYear0Floor1CapMember" substitutionGroup="xbrli:item" />
  <element name="OneYear50DownsideParticipationRate1CapMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_OneYear50DownsideParticipationRate1CapMember" substitutionGroup="xbrli:item" />
  <element name="TwoYear50DownsideParticipationRate1CapMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_TwoYear50DownsideParticipationRate1CapMember" substitutionGroup="xbrli:item" />
  <element name="TwoYear50DownsideParticipationRate5UpsideParticipationRateMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_TwoYear50DownsideParticipationRate5UpsideParticipationRateMember" substitutionGroup="xbrli:item" />
  <element name="OneYear10Buffer5UpsideParticipationRateMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_OneYear10Buffer5UpsideParticipationRateMember" substitutionGroup="xbrli:item" />
  <element name="ThreeYears10Buffer5UpsideParticipationRateMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_ThreeYears10Buffer5UpsideParticipationRateMember" substitutionGroup="xbrli:item" />
  <element name="ThreeYears20Buffer5UpsideParticipationRateMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_ThreeYears20Buffer5UpsideParticipationRateMember" substitutionGroup="xbrli:item" />
  <element name="SixYears10Buffer5UpsideParticipationRateMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_SixYears10Buffer5UpsideParticipationRateMember" substitutionGroup="xbrli:item" />
  <element name="SixYears20Buffer5UpsideParticipationRateMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_SixYears20Buffer5UpsideParticipationRateMember" substitutionGroup="xbrli:item" />
  <element name="TenBufferStrategyMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_TenBufferStrategyMember" substitutionGroup="xbrli:item" />
  <element name="TwentyBufferStrategyMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_TwentyBufferStrategyMember" substitutionGroup="xbrli:item" />
  <element name="Minus10FloorStrategyMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_Minus10FloorStrategyMember" substitutionGroup="xbrli:item" />
  <element name="ZeroFloorStrategyMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_ZeroFloorStrategyMember" substitutionGroup="xbrli:item" />
  <element name="SixYears10BufferCapControlMinimumMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_SixYears10BufferCapControlMinimumMember" substitutionGroup="xbrli:item" />
  <element name="SixYears20BufferCapControlMinimumMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_SixYears20BufferCapControlMinimumMember" substitutionGroup="xbrli:item" />
  <element name="DownsideParticipationRateReturnLimitMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_DownsideParticipationRateReturnLimitMember" substitutionGroup="xbrli:item" />
  <element name="UpsideParticipationRateReturnLimitMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_UpsideParticipationRateReturnLimitMember" substitutionGroup="xbrli:item" />
  <element name="TriggerRateReturnLimitMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_TriggerRateReturnLimitMember" substitutionGroup="xbrli:item" />
  <element name="FreeWithdrawalAllowanceMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_FreeWithdrawalAllowanceMember" substitutionGroup="xbrli:item" />
  <element name="ExtendedCareWaiverMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_ExtendedCareWaiverMember" substitutionGroup="xbrli:item" />
  <element name="TerminalIllnessWaiverMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_TerminalIllnessWaiverMember" substitutionGroup="xbrli:item" />
  <element name="PerformanceLockMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_PerformanceLockMember" substitutionGroup="xbrli:item" />
  <element name="AutomatedWithdrawalsMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_AutomatedWithdrawalsMember" substitutionGroup="xbrli:item" />
  <element name="C000261641Member" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_C000261641Member" substitutionGroup="xbrli:item" />
  <element name="C000261640Member" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000723258_C000261640Member" substitutionGroup="xbrli:item" />
</schema>
