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  <xsd:element abstract="true" id="ael_WestNorthCentralUnitedStatesRegionMember" name="WestNorthCentralUnitedStatesRegionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ael_WestSouthCentralUnitedStatesRegionMember" name="WestSouthCentralUnitedStatesRegionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ael_WholesaleandRetailTradeSectorsMember" name="WholesaleandRetailTradeSectorsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
