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  <xs:element id="cia_SupplementalContractsWithoutLifeContingenciesMember" abstract="true" name="SupplementalContractsWithoutLifeContingenciesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cia_DividendAccumulationsMember" abstract="true" name="DividendAccumulationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cia_PremiumsPaidInAdvanceMember" abstract="true" name="PremiumsPaidInAdvanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cia_PolicyholderAccountBalanceInterestCredited" abstract="false" name="PolicyholderAccountBalanceInterestCredited" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_UnearnedRevenueReserveMember" abstract="true" name="UnearnedRevenueReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cia_CoinsuredRiskPercentageReinsuranceRetentionPolicy" abstract="false" name="CoinsuredRiskPercentageReinsuranceRetentionPolicy" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cia_CommissionsExpenseAssumedAndCededNet" abstract="false" name="CommissionsExpenseAssumedAndCededNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_OtherGeneralExpensesIncurredCededAndAssumed" abstract="false" name="OtherGeneralExpensesIncurredCededAndAssumed" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_FormerEmployeesBreechOfContractMember" abstract="true" name="FormerEmployeesBreechOfContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_LineOfCreditFacilityTerm" abstract="false" name="LineOfCreditFacilityTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cia_CICALifeAIAPuertoRicoCompanyMember" abstract="true" name="CICALifeAIAPuertoRicoCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_CicaLifeInsuranceCompanyOfAmericaMember" abstract="true" name="CicaLifeInsuranceCompanyOfAmericaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cia_StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsPercentageOfNetSurplus" abstract="false" name="StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsPercentageOfNetSurplus" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="cia_RelatedPartyParentalGuaranteeTermsofAgreement" abstract="false" name="RelatedPartyParentalGuaranteeTermsofAgreement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cia_MinimumCapitalRequirementCompliance" abstract="false" name="MinimumCapitalRequirementCompliance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cia_LifeInsuranceOperatingSegmentMember" abstract="true" name="LifeInsuranceOperatingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cia_ClassificationOfPremiumDurationAxis" abstract="true" name="ClassificationOfPremiumDurationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="cia_ClassificationOfPremiumDurationDomain" abstract="true" name="ClassificationOfPremiumDurationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_DirectFirstYearPremiumMember" abstract="true" name="DirectFirstYearPremiumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_DirectRenewalPremiumMember" abstract="true" name="DirectRenewalPremiumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_ReinsurancePremiumsNet" abstract="false" name="ReinsurancePremiumsNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_GovernmentOfPuertoRicoMember" abstract="true" name="GovernmentOfPuertoRicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cia_CICALifeLtd.Member" abstract="true" name="CICALifeLtd.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cia_EffectiveIncomeTaxRateForeignIncomeTaxRatePercent" abstract="false" name="EffectiveIncomeTaxRateForeignIncomeTaxRatePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="cia_TaxDecreeAllowedDiscountedIncomeTaxRateBelowStatedMinimumTaxableEarningsLimitPercent" abstract="false" name="TaxDecreeAllowedDiscountedIncomeTaxRateBelowStatedMinimumTaxableEarningsLimitPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cia_TaxDecreeStatedMinimumTaxableEarningsAllowedAtDiscountRate" abstract="false" name="TaxDecreeStatedMinimumTaxableEarningsAllowedAtDiscountRate" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_TaxDecreeAllowedDiscountedIncomeTaxRateAboveStatedMinimumTaxableEarningsLimitPercent" abstract="false" name="TaxDecreeAllowedDiscountedIncomeTaxRateAboveStatedMinimumTaxableEarningsLimitPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cia_TaxDecreeStatedMinimumPeriodOfExemptionGranted" abstract="false" name="TaxDecreeStatedMinimumPeriodOfExemptionGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cia_IncomeBeforeIncomeTaxExpenseTable" abstract="true" name="IncomeBeforeIncomeTaxExpenseTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cia_IncomeBeforeIncomeTaxExpenseLineItems" abstract="true" name="IncomeBeforeIncomeTaxExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cia_IncomeTaxExpenseTable" abstract="true" name="IncomeTaxExpenseTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cia_IncomeTaxExpenseLineItems" abstract="true" name="IncomeTaxExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cia_EffectiveIncomeTaxRateReconciliationPuertoRicoIncomeTaxExclusion" abstract="false" name="EffectiveIncomeTaxRateReconciliationPuertoRicoIncomeTaxExclusion" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_PuertoRicoIncomeTaxExclusionPercent" abstract="false" name="PuertoRicoIncomeTaxExclusionPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cia_SubpartFIncome" abstract="false" name="SubpartFIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_EffectiveIncomeTaxRateReconciliationPFICQEFInclusions" abstract="false" name="EffectiveIncomeTaxRateReconciliationPFICQEFInclusions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_FederalIncomeTaxRateReconciliation162mCompensationLimitation" abstract="false" name="FederalIncomeTaxRateReconciliation162mCompensationLimitation" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_SubpartFIncomePercent" abstract="false" name="SubpartFIncomePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="cia_PFICQEFInclusionsPercent" abstract="false" name="PFICQEFInclusionsPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cia_FederalIncomeTaxRateReconciliation162mCompensationLimitationPercent" abstract="false" name="FederalIncomeTaxRateReconciliation162mCompensationLimitationPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="cia_DeferredTaxAssetFromNetOperatingLossAndCapitalLossCarryforwards" abstract="false" name="DeferredTaxAssetFromNetOperatingLossAndCapitalLossCarryforwards" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_DeferredIntercompanyLossDeferredTaxAsset" abstract="false" name="DeferredIntercompanyLossDeferredTaxAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_DeferredTaxAssetAccruedCompensation" abstract="false" name="DeferredTaxAssetAccruedCompensation" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_DeferredTaxAssetsLeaseLiability" abstract="false" name="DeferredTaxAssetsLeaseLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_DeferredTaxLiabiltyFromDeferredAcquisitionCostValueOfBusinessAcquiredAndOtherIntangibles" abstract="false" name="DeferredTaxLiabiltyFromDeferredAcquisitionCostValueOfBusinessAcquiredAndOtherIntangibles" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_DeferredTaxLiabilityTaxReservesTransitionLiabilityunderTCJA" abstract="false" name="DeferredTaxLiabilityTaxReservesTransitionLiabilityunderTCJA" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_EffectsOfUnrealizedGainsLossesOnReserves" abstract="false" name="EffectsOfUnrealizedGainsLossesOnReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_TypeofUncertainTaxPositionAxis" abstract="true" name="TypeofUncertainTaxPositionAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="cia_TypeofUncertainTaxPositionDomain" abstract="true" name="TypeofUncertainTaxPositionDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cia_InterestonPriorYearIncomeTaxExpenseMember" abstract="true" name="InterestonPriorYearIncomeTaxExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cia_USCoronavirusAidReliefAndEconomicSecurityActCARESActMember" abstract="true" name="USCoronavirusAidReliefAndEconomicSecurityActCARESActMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cia_SharebasedPaymentArrangementUnrecognizedExpense" abstract="false" name="SharebasedPaymentArrangementUnrecognizedExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_UnitsAbstract" abstract="true" name="UnitsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cia_WeightedAverageGrantPriceAbstract" abstract="true" name="WeightedAverageGrantPriceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cia_PerformanceFactor" abstract="false" name="PerformanceFactor" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cia_StopLossCoverageonSelfInsuredPlan" abstract="false" name="StopLossCoverageonSelfInsuredPlan" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_InvestmentInSubsidiary" abstract="false" name="InvestmentInSubsidiary" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_Incomefromcontinuingoperationsbeforefederalincometaxandchangeinequityofconsolidatingaffiliates" abstract="false" name="Incomefromcontinuingoperationsbeforefederalincometaxandchangeinequityofconsolidatingaffiliates" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_IncomeFromContinuingOperationsNetOfTaxBeforeChangeInEquityOfConsolidatingAffiliates" abstract="false" name="IncomeFromContinuingOperationsNetOfTaxBeforeChangeInEquityOfConsolidatingAffiliates" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cia_EquityInIncomeOfConsolidatedSubsidiaries" abstract="false" name="EquityInIncomeOfConsolidatedSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
