<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
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	<xsd:annotation>
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	<xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
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	<xsd:element name="Liabilities.Insurance.CurrentLifeInvestmentContracts.Amount" substitutionGroup="xbrli:item" nillable="true" id="DE431" xbrli:periodType="instant" type="xbrli:monetaryItemType" block="substitution" xbrli:balance="credit"/>
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</xsd:schema>
