<?xml version="1.0" encoding="utf-8"?>
<!--Generated by DFIN XBRL Instance Document - http://www.dfinsolutions.com/ - Version R3.0 - on 30-October-2026 [07:51:54] {PM}-->
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          <link:loc xlink:type="locator" xlink:href="ck0001364783-20261102.xsd#ck0001364783_AccumulationExpensesMember" xlink:label="loc_ck0001364783_AccumulationExpensesMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ck0001364783_AccumulationExpensesMember" xml:lang="en-US">Accumulation Expenses [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0001364783_AccumulationExpensesMember" xlink:to="lab_ck0001364783_AccumulationExpensesMember" />
          <link:loc xlink:type="locator" xlink:href="ck0001364783-20261102.xsd#ck0001364783_PayoutAnnuityExpensesMember" xlink:label="loc_ck0001364783_PayoutAnnuityExpensesMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ck0001364783_PayoutAnnuityExpensesMember" xml:lang="en-US">Payout Annuity Expenses [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0001364783_PayoutAnnuityExpensesMember" xlink:to="lab_ck0001364783_PayoutAnnuityExpensesMember" />
          <link:loc xlink:type="locator" xlink:href="ck0001364783-20261102.xsd#ck0001364783_C000032692Member" xlink:label="loc_ck0001364783_C000032692Member" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ck0001364783_C000032692Member" xml:lang="en-US">C000032692 [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0001364783_C000032692Member" xlink:to="lab_ck0001364783_C000032692Member" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_ck0001364783_C000032692Member" xml:lang="en-US">C000032692.</link:label>
          <link:loc xlink:type="locator" xlink:href="ck0001364783-20261102.xsd#ck0001364783_C000214946Member" xlink:label="loc_ck0001364783_C000214946Member" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ck0001364783_C000214946Member" xml:lang="en-US">C000214946 [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0001364783_C000214946Member" xlink:to="lab_ck0001364783_C000214946Member" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_ck0001364783_C000214946Member" xml:lang="en-US">C000214946.</link:label>
        </link:labelLink>
      </link:linkbase>
    </appinfo>
  </annotation>
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <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" />
  <element name="N4Abstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_N4Abstract" substitutionGroup="xbrli:item" />
  <element name="AnnualMaintenanceFeeMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_AnnualMaintenanceFeeMember" substitutionGroup="xbrli:item" />
  <element name="LoanOriginationFeeMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_LoanOriginationFeeMember" substitutionGroup="xbrli:item" />
  <element name="AfterContractualFeeWaiverExpenseReimbursementsMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_AfterContractualFeeWaiverExpenseReimbursementsMember" substitutionGroup="xbrli:item" />
  <element name="BeforeContractualFeeWaiverExpenseReimbursementsMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_BeforeContractualFeeWaiverExpenseReimbursementsMember" substitutionGroup="xbrli:item" />
  <element name="LevelFourMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_LevelFourMember" substitutionGroup="xbrli:item" />
  <element name="LevelOneMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_LevelOneMember" substitutionGroup="xbrli:item" />
  <element name="LevelPMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_LevelPMember" substitutionGroup="xbrli:item" />
  <element name="LevelThreeMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_LevelThreeMember" substitutionGroup="xbrli:item" />
  <element name="LevelTwoMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_LevelTwoMember" substitutionGroup="xbrli:item" />
  <element name="AccumulationExpensesMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_AccumulationExpensesMember" substitutionGroup="xbrli:item" />
  <element name="PayoutAnnuityExpensesMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_PayoutAnnuityExpensesMember" substitutionGroup="xbrli:item" />
  <element name="C000032692Member" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_C000032692Member" substitutionGroup="xbrli:item" />
  <element name="C000214946Member" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_C000214946Member" substitutionGroup="xbrli:item" />
  <element name="Item17.PortfolioCompaniesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_Item17.PortfolioCompaniesAbstract" substitutionGroup="xbrli:item" />
  <element name="Item2.KeyInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_Item2.KeyInformationAbstract" substitutionGroup="xbrli:item" />
  <element name="Item4.FeeTablesRelatedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_Item4.FeeTablesRelatedAbstract" substitutionGroup="xbrli:item" />
  <element name="AnnualContractExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_AnnualContractExpensesAbstract" substitutionGroup="xbrli:item" />
  <element name="AnnualPortfolioCompanyExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_AnnualPortfolioCompanyExpensesAbstract" substitutionGroup="xbrli:item" />
  <element name="ExpenseExamplesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_ExpenseExamplesAbstract" substitutionGroup="xbrli:item" />
  <element name="TransactionExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ck0001364783_TransactionExpensesAbstract" substitutionGroup="xbrli:item" />
</schema>
