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<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
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    <xsd:element name="ProfitOrLoss.RealisedAndUnrealisedForeignExchangeGainsOrLossesOtherInsurance3103.Amount" id="DE8584" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.RealisedGainsOrLossesDebtSecuritiesExcludingForeignExchange.Amount" id="DE8599" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.RealisedGainsOrLossesDebtSecuritiesExcludingSubordinatedDebtAndForeignExchange.Amount" id="DE8581" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.RealisedGainsOrLossesEquitySecuritiesAndSubordinatedDebtExcludingForeignExchange.Amount" id="DE8577" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.RealisedGainsOrLossesEquitySecuritiesExcludingForeignExchange.Amount" id="DE8600" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.RealisedGainsOrLossesExcludingForeignExchange.Amount" id="DE8579" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.RealisedGainsOrLossesInsurancePortfoliosExcludingForeignExchange.Amount" id="DE8570" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.RealisedGainsOrLossesLoansAndAdvancesExcludingForeignExchange.Amount" id="DE8578" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.RealisedGainsOrLossesOtherAssetsAPRAInsurance3103ExcludingForeignExchange.Amount" id="DE8582" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.RealisedGainsOrLossesOtherGRF310GExcludingForeignExchange.Amount" id="DE8601" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.RealisedGainsOrLossesUnitTrustsAndManagedInvestmentVehiclesExcludingForeignExchange.Amount" id="DE8580" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.UnrealisedGainsOrLossesDebtSecuritiesExcludingForeignExchange.Amount" id="DE8603" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.UnrealisedGainsOrLossesDebtSecuritiesExcludingSubordinatedDebtExcludingForeignExchange.Amount" id="DE8569" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.UnrealisedGainsOrLossesEquitySecuritiesAndSubordinatedDebtExcludingForeignExchange.Amount" id="DE8571" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.UnrealisedGainsOrLossesEquitySecuritiesExcludingForeignExchange.Amount" id="DE8604" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.UnrealisedGainsOrLossesLoansAndAdvancesExcludingForeignExchange.Amount" id="DE8575" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.UnrealisedGainsOrLossesOtherGRF310GExcludingForeignExchanges.Amount" id="DE8606" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.UnrealisedGainsOrLossesUnitTrustsAndManagedInvestmentVehiclesExcludingForeignExchange.Amount" id="DE8576" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Investment.EquitySecurities.Amount" id="DE7463" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Investment.RealisedGainsOrLossesOnChangesInFairValueExcludingForeignExchange.Amount" id="DE8532" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Investment.RealisedOtherSRF1000.Amount" id="DE8399" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Investment.RealisedOtherSRF2000.Amount" id="DE8398" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Investment.RealisedOtherSRF3000.Amount" id="DE7969" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Investment.TotalRealisedAndUnrealisedExcludingForeignExchange.Amount" id="DE8686" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Investment.UnrealisedGainsOrLossesOnChangesInFairValueExcludingForeignExchange.Amount" id="DE8602" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Investment.UnrealisedOtherSRF1000.Amount" id="DE7971" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Investment.UnrealisedOtherSRF2000.Amount" id="DE8402" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Investment.UnrealisedOtherSRF3000.Amount" id="DE8403" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
</xsd:schema>
