<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Tue Oct 27 22:54:43 UTC 2026 -->
<xs:schema elementFormDefault="qualified" targetNamespace="http://www.protective.com/20261030" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:us-types="http://xbrl.us/us-types/2009-01-31" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:dtr="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:ck0001050785="http://www.protective.com/20261030">
  <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"/>
<!-- [WMV7][5uy98NMIDjNgH8SPh4cDxIhbw3IQrMl5Xz6q9EDqDrrq8Go+nzHNMBt8mzxV0LGjjLtUqI60nWo7K8qUnMU2LiGgI9P6qnMLQKj6fUG4bzfAMGqJvtAJiH7aL9ovmcbcyzi86QBv9x05GtosmE9HLJLCZP6EX4QMqSMMRS99CSQWxqfRTyPwFWf9is+LufLvcqDP4iWw8VegH0s3DAWx3zXEJVZxBlbi1N9wg1TxYghijBaL2zxCIWGrLM8qvXgKNL9J78S+5ZplqPmSTqsASJoA5fwGEcXBUZLQRGK/mVbt5DMz1mCEwC9j/BMpMdGyvDErzAoRv0OuS/WXlv6GXYcKWCXpS74qpS5JY8Y8uW4nhe7cVLd+rYbOEN+tVrLSf9FmThiYYdczU4X5U904dOyI4+mfjyfsiQg4M3rHCnGgaUKWJg==] CSR-->
  <xs:import namespace="http://xbrl.sec.gov/vip-n4/2026" schemaLocation="https://xbrl.sec.gov/vip/2026/vip-n4-2026.xsd"/>
</xs:schema>