<?xml version="1.0"?>
<!-- Edited with FutureStage XBRL Solution Library .NET 01-11 -->
<schema xmlns:jpcrp020000-srs_E06141-000="http://disclosure.edinet-fsa.go.jp/jpcrp020000/srs/001/E06141-000/2020-03-31/03/2021-03-10" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xbrli="http://www.xbrl.org/2003/instance" elementFormDefault="qualified" targetNamespace="http://disclosure.edinet-fsa.go.jp/jpcrp020000/srs/001/E06141-000/2020-03-31/03/2021-03-10" xmlns="http://www.w3.org/2001/XMLSchema">
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2019-11-01/jpcrp_cor_2019-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2019-11-01/jpcrp_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2019-11-01/jpcrp_rt_2019-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2019-11-01/jpcrp_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2019-11-01/jppfs_cor_2019-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2019-11-01/jppfs_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2019-11-01/jppfs_rt_2019-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2019-11-01/jppfs_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt" />
  <import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
  <import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2019-11-01/label/jpcrp_2019-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2019-11-01/label/jpcrp_2019-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2019-11-01/label/jpcrp_2019-11-01_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2019-11-01/label/jppfs_2019-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2019-11-01/label/jppfs_2019-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2019-11-01/label/jppfs_2019-11-01_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/r/jpdei_000100-000_2013-08-31_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp020000-srs-001_E06141-000_2020-03-31_03_2021-03-10_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp020000-srs-001_E06141-000_2020-03-31_03_2021-03-10_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp020000-srs-001_E06141-000_2020-03-31_03_2021-03-10_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp020000-srs-001_E06141-000_2020-03-31_03_2021-03-10_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp020000-srs-001_E06141-000_2020-03-31_03_2021-03-10_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
    </appinfo>
  </annotation>
  <element id="jpcrp020000-srs_E06141-000_PremiumAndOtherIncomeSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="PremiumAndOtherIncomeSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_InvestmentIncomeSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="InvestmentIncomeSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_BenefitsAndClaimsSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="BenefitsAndClaimsSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_ProvisionForReserveForPolicyholderDividendsSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="ProvisionForReserveForPolicyholderDividendsSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_FundamentalProfitSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="FundamentalProfitSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_InvestmentYieldSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="InvestmentYieldSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <element id="jpcrp020000-srs_E06141-000_NumberOfEmployeeOfficeStaffSummaryOfBusinessResults" xbrli:periodType="instant" abstract="false" name="NumberOfEmployeeOfficeStaffSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:nonNegativeIntegerItemType" />
  <element id="jpcrp020000-srs_E06141-000_NumberOfEmployeeFieldStaffSummaryOfBusinessResults" xbrli:periodType="instant" abstract="false" name="NumberOfEmployeeFieldStaffSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:nonNegativeIntegerItemType" />
  <element id="jpcrp020000-srs_E06141-000_ReserveForPossibleReimbursementOfPrescribedClaims" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="ReserveForPossibleReimbursementOfPrescribedClaims" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_OtherRefundsEtcOEINS" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="OtherRefundsEtcOEINS" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_IncreaseDecreaseInReserveForPossibleReimbursementOfPrescribedClaimsOpeCF" xbrli:periodType="duration" abstract="false" name="IncreaseDecreaseInReserveForPossibleReimbursementOfPrescribedClaimsOpeCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_ProceedsFromAcquisitionOfBusinessInvCF" xbrli:periodType="duration" abstract="false" name="ProceedsFromAcquisitionOfBusinessInvCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_NetIncreaseDecreaseInShortTermFinancingFinCF" xbrli:periodType="duration" abstract="false" name="NetIncreaseDecreaseInShortTermFinancingFinCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_AccrualMethodOfReserveForPriceFluctuationsTextBlock" xbrli:periodType="duration" abstract="false" name="AccrualMethodOfReserveForPriceFluctuationsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020000-srs_E06141-000_NotesRegardingPolicyReserveMatchingBondsTextBlock" xbrli:periodType="instant" abstract="false" name="NotesRegardingPolicyReserveMatchingBondsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020000-srs_E06141-000_SalesActivityExpensesLifeInsuranceBusiness" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="SalesActivityExpensesLifeInsuranceBusiness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_SalesManagementExpensesLifeInsuranceBusiness" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="SalesManagementExpensesLifeInsuranceBusiness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_NotesRegardingGainsOnDisposalOfFixedAssetsTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingGainsOnDisposalOfFixedAssetsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020000-srs_E06141-000_NotesRegardingLossesOnDisposalOfFixedAssetsTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingLossesOnDisposalOfFixedAssetsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020000-srs_E06141-000_DomesticLifeInsuranceBusinessReportableSegmentMember" xbrli:periodType="duration" abstract="true" name="DomesticLifeInsuranceBusinessReportableSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020000-srs_E06141-000_OverseasInsuranceBusinessReportableSegmentMember" xbrli:periodType="duration" abstract="true" name="OverseasInsuranceBusinessReportableSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020000-srs_E06141-000_ShortTermLoansPayableToSubsidiariesAndAffiliatesLiabilities" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="ShortTermLoansPayableToSubsidiariesAndAffiliatesLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_FundForPriceFluctuationAllowance" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="FundForPriceFluctuationAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_PrematureRepaymentPenaltyNOE" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="PrematureRepaymentPenaltyNOE" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020000-srs_E06141-000_FundForPriceFluctuationAllowanceMember" xbrli:periodType="duration" abstract="true" name="FundForPriceFluctuationAllowanceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
</schema>