<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:bafpr3.02.10="http://sbr.gov.au/icls/baf/bafpr/bafpr3.02.10.data" xmlns:tech.01.02="http://sbr.gov.au/fdtn/sbr.01.02.tech" xmlns:dtyp.02.12="http://sbr.gov.au/fdtn/sbr.02.12.dtyp" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://sbr.gov.au/icls/baf/bafpr/bafpr3.02.10.data" elementFormDefault="qualified">
    <xsd:import namespace="http://sbr.gov.au/fdtn/sbr.02.12.dtyp" schemaLocation="../../../fdtn/dtyp.sbr.02.12.xsd"/>
    <xsd:import namespace="http://sbr.gov.au/fdtn/sbr.01.02.tech" schemaLocation="../../../fdtn/tech.sbr.01.02.xsd"/>
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    <xsd:element name="Expense.Prospective.ClaimsExpenseDueToValuationAssumptionsChangesOrModelNotIncludedInUnderwritingResultGross.Amount" id="DE2337" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Expense.Prospective.IncurredClaimsGrossTotal.Amount" id="DE2300" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Expense.Prospective.IncurredClaimsNet.Amount" id="DE2307" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Expense.Prospective.UnderwritingAcquisitionCosts.Amount" id="DE2308" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Expense.Prospective.UnderwritingTotal.Amount" id="DE2312" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Income.Prospective.Commission.Amount" id="DE2311" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="Income.Prospective.PremiumRevenueGrossTotal.Amount" id="DE2292" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="Income.Prospective.PremiumRevenueNet.Amount" id="DE2295" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="Income.Prospective.RecoveriesOther.Amount" id="DE2305" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
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    <xsd:element name="Income.Prospective.RecoveriesTotal.Amount" id="DE2306" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="Insurance.ExpensePremiumMembersDeathDisabilityGross.Amount" id="DE2792" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="Insurance.ProceedsDeath.Amount" id="DE1962" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="Insurance.ProceedsDisability.Amount" id="DE1963" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="Insurance.RebatePremiumMembersDeathDisabilty.Amount" id="DE1965" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Prospective.ContinuingOperationsAfterTax.Amount" id="DE2317" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Prospective.ContinuingOperationsBeforeTax.Amount" id="DE2316" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Prospective.UnderwritingResult.Amount" id="DE2313" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Unrealised.DepositsPlacementsLoansSecurities.Amount" id="DE1973" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Unrealised.Derivatives.Amount" id="DE1979" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Unrealised.GainsOrLossesOnInvestmentsTotal.Amount" id="DE1997" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Unrealised.IndividuallyManagedMandates.Amount" id="DE1985" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Unrealised.InsurancePolicies.Amount" id="DE1991" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Unrealised.OverseasInvestmentManagers.Amount" id="DE1983" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="ProfitOrLoss.Unrealised.Property.Amount" id="DE1981" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
</xsd:schema>
