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<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
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    <xsd:element name="Liabilities.Insurance.BonusTerminal.Amount" id="DE5622" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Liabilities.Insurance.BonusTerminalAndInterim.Amount" id="DE5042" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Liabilities.Insurance.DepositComponentFairValue.Amount" id="DE4469" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.FuturePolicyBenefitsGross.Amount" id="DE5360" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.FuturePolicyBenefitsReinsurance.Amount" id="DE5659" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.FuturePolicyExpensesGross.Amount" id="DE4741" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.FuturePolicyExpensesReinsurance.Amount" id="DE4609" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.FuturePolicyPremiumsGross.Amount" id="DE4779" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.FuturePolicyPremiumsReinsurance.Amount" id="DE4371" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.GrossPolicy.Amount" id="DE4785" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.GrossPolicyLiabilitiesDirectIncludingUnearnedFeeRevenueAndDeferredAcquisitionCosts.Amount" id="DE4611" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.GrossPolicyLiabilitiesReinsuranceIncludingUnearnedFeeRevenueAndDeferredAcquisitionCosts.Amount" id="DE4154" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.OtherThanBorrowingsTax.Amount" id="DE4519" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.ParticipatingBusinessFutureProfitsGross.Amount" id="DE4275" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.ParticipatingBusinessFutureProfitsReinsurance.Amount" id="DE4553" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.PolicyGrossExcludingCurrentBonus.Amount" id="DE4146" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.PolicyGrossInwardsReinsurance.Amount" id="DE4835" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.PolicyNetExcludingCurrentBonus.Amount" id="DE4527" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.PolicyReinsuredExcludingCurrentBonus.Amount" id="DE4600" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.ProfitCarrier.Amount" id="DE5428" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="Liabilities.Insurance.ProfitMargin.Percent" id="DE5276" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.ReductioninPolicyLiabilityDueToDeferredAcquisitionCostRecoveryGross.Amount" id="DE4564" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.ReductioninPolicyLiabilityDueToDeferredAcquisitionCostRecoveryReinsurance.Amount" id="DE4780" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.ReinsuranceDepositComponentFairValue.Amount" id="DE4795" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.ReinsuredGrossPolicy.Amount" id="DE4852" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="Liabilities.Insurance.RetainedProfitsPolicyOwners.Amount" id="DE4089" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
</xsd:schema>
