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      <link:roleType id="LIABILITIESFORINSURANCEPRODUCTSSUMMARYOFCHANGESINLIABILITYFORFUTUREPOLICYBENEFITSDetails_1" roleURI="http://www.cnoinc.com/role/LIABILITIESFORINSURANCEPRODUCTSSUMMARYOFCHANGESINLIABILITYFORFUTUREPOLICYBENEFITSDetails_1">
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      <link:roleType id="LIABILITIESFORINSURANCEPRODUCTSCHANGESINMARKETRISKBENEFITSDetails" roleURI="http://www.cnoinc.com/role/LIABILITIESFORINSURANCEPRODUCTSCHANGESINMARKETRISKBENEFITSDetails">
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      <link:roleType id="LIABILITIESFORINSURANCEPRODUCTSSUMMARYOFAMOUNTOFREVENUEANDINTERESTTRADITIONALANDLIMITEDPAYMENTCONTRACTSDetails" roleURI="http://www.cnoinc.com/role/LIABILITIESFORINSURANCEPRODUCTSSUMMARYOFAMOUNTOFREVENUEANDINTERESTTRADITIONALANDLIMITEDPAYMENTCONTRACTSDetails">
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      <link:roleType id="LIABILITIESFORINSURANCEPRODUCTSSUMMARYOFAMOUNTOFUNDISCOUNTEDANDDISCOUNTEDEXPECTEDGROSSPREMIUMSANDEXPECTEDFUTUREBENEFITSDetails" roleURI="http://www.cnoinc.com/role/LIABILITIESFORINSURANCEPRODUCTSSUMMARYOFAMOUNTOFUNDISCOUNTEDANDDISCOUNTEDEXPECTEDGROSSPREMIUMSANDEXPECTEDFUTUREBENEFITSDetails">
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      <link:roleType id="LIABILITIESFORINSURANCEPRODUCTSWEIGHTEDAVERAGEDURATIONSOFLIABILITYDetails" roleURI="http://www.cnoinc.com/role/LIABILITIESFORINSURANCEPRODUCTSWEIGHTEDAVERAGEDURATIONSOFLIABILITYDetails">
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      <link:roleType id="DEFERREDACQUISITIONCOSTSPRESENTVALUEOFFUTUREPROFITSANDSALESINDUCEMENTSSALESINDUCEMENTSDetails" roleURI="http://www.cnoinc.com/role/DEFERREDACQUISITIONCOSTSPRESENTVALUEOFFUTUREPROFITSANDSALESINDUCEMENTSSALESINDUCEMENTSDetails">
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      <link:roleType id="BUSINESSSEGMENTSSCHEDULEOFBALANCESHEETINFORMATIONBYSEGMENTDetails" roleURI="http://www.cnoinc.com/role/BUSINESSSEGMENTSSCHEDULEOFBALANCESHEETINFORMATIONBYSEGMENTDetails">
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      <link:roleType id="NOTESPAYABLEDIRECTCORPORATEOBLIGATIONSNARRATIVEDetails" roleURI="http://www.cnoinc.com/role/NOTESPAYABLEDIRECTCORPORATEOBLIGATIONSNARRATIVEDetails">
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      <link:roleType id="SHAREHOLDERSEQUITYSCHEDULEOFACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSSDetails" roleURI="http://www.cnoinc.com/role/SHAREHOLDERSEQUITYSCHEDULEOFACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSSDetails">
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</xs:schema>
