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  <xs:element id="amp_LiabilityForFuturePolicyBenefitBeforeReinsuranceAdditionalLiabilitiesForInsuranceGuarantees" abstract="false" name="LiabilityForFuturePolicyBenefitBeforeReinsuranceAdditionalLiabilitiesForInsuranceGuarantees" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="amp_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0100To0199Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0100To0199Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_CorporateAndReconcilingItemsMember" abstract="true" name="CorporateAndReconcilingItemsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_ConsumerAndResidentialPortfolioSegmentMember" abstract="true" name="ConsumerAndResidentialPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_InvestmentsAllowanceforCreditLosses" abstract="false" name="InvestmentsAllowanceforCreditLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_OtherInterestAndDividendIncomeNet" abstract="false" name="OtherInterestAndDividendIncomeNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_MeasurementinputProbabilityofdefaultShorttermMember" abstract="true" name="MeasurementinputProbabilityofdefaultShorttermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400To0500Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400To0500Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_InvestmentAdviceAdvisoryMember" abstract="true" name="InvestmentAdviceAdvisoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_SouthAtlanticMember" abstract="true" name="SouthAtlanticMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_MeasurementInputYieldandSpreadtoTreasuryMember" abstract="true" name="MeasurementInputYieldandSpreadtoTreasuryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_SeparateAccountOtherMember" abstract="true" name="SeparateAccountOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_MeasurementInputNonperformanceRiskMember" abstract="true" name="MeasurementInputNonperformanceRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_InternalRiskRating3Member" abstract="true" name="InternalRiskRating3Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_DebtInstrumentDefaultInterestRate" abstract="false" name="DebtInstrumentDefaultInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="amp_StockMarketCertificatesEmbeddedDerivativesMember" abstract="true" name="StockMarketCertificatesEmbeddedDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_RiskConcentrationPercentage" abstract="false" name="RiskConcentrationPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="amp_PaymentToAcquireInvestmentsByConsolidatedInvestmentEntities" abstract="false" name="PaymentToAcquireInvestmentsByConsolidatedInvestmentEntities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_DebtSecuritiesAvailableForSaleExcludingAccruedInterestCreditLossExpenseReversal" abstract="false" name="DebtSecuritiesAvailableForSaleExcludingAccruedInterestCreditLossExpenseReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_FixedAccountsOfStructuredVariableAnnuitiesMember" abstract="true" name="FixedAccountsOfStructuredVariableAnnuitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_FICOScore750799Member" abstract="true" name="FICOScore750799Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_GuaranteedMinimumLivingBenefitMember" abstract="true" name="GuaranteedMinimumLivingBenefitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_ContractReceivableAfterYearFour" abstract="false" name="ContractReceivableAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_InvestmentCertificatesAndBankingTimeDepositsAbstract" abstract="true" name="InvestmentCertificatesAndBankingTimeDepositsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="amp_FixedIndexedAnnuityNonIndexedAccountsMember" abstract="true" name="FixedIndexedAnnuityNonIndexedAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_CreditRatingAAMember" abstract="true" name="CreditRatingAAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_CustodialServiceFeesMember" abstract="true" name="CustodialServiceFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amp_MarketRiskBenefitChangeInUnrealizedGainsLosses" abstract="false" name="MarketRiskBenefitChangeInUnrealizedGainsLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_DepositReceivablesMember" abstract="true" name="DepositReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_InvestmentCertificatesAndBankingTimeDepositsProceedsFromAdditions" abstract="false" name="InvestmentCertificatesAndBankingTimeDepositsProceedsFromAdditions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amp_FICOScore720To739Member" abstract="true" name="FICOScore720To739Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amp_ScheduleOfInvestmentsWithFixedMaturitiesDisclosureTableTextBlock" abstract="false" name="ScheduleOfInvestmentsWithFixedMaturitiesDisclosureTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="amp_DerivativeAssetFairValueGrossAssetAndEmbeddedDerivativeFairValueOfEmbeddedDerivativeAsset" abstract="false" name="DerivativeAssetFairValueGrossAssetAndEmbeddedDerivativeFairValueOfEmbeddedDerivativeAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
