<?xml version="1.0" encoding="UTF-8"?>
<!-- (c) XBRL International.  See http://www.xbrl.org/legal -->
<schema targetNamespace="https://www.xbrl.or.jp/taxonomy/xbrl-gl-next/plt" attributeFormDefault="unqualified" elementFormDefault="qualified"
  xmlns="http://www.w3.org/2001/XMLSchema"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:plt="https://www.xbrl.or.jp/taxonomy/xbrl-gl-next/plt">
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <import namespace="https://www.xbrl.or.jp/taxonomy/xbrl-gl-next/jnl" schemaLocation="../../jnl/jnl-oim-2026-12-31.xsd"/>
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="../../jnl/label/jnl-oim-lab-en-2026-12-31.xml" xlink:title="Label Links, all" 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="../../jnl/label/jnl-oim-lab-ja-2026-12-31.xml" xlink:title="Label Links, ja" 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="jnl-all-dim-2026-12-31.xml" xlink:title="Definition" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <!--
        role type
      -->
      <link:roleType id="xbrl-role" roleURI="https://www.xbrl.or.jp/taxonomy/xbrl-gl-next/role">
        <link:definition>link xbrl-gl</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="link_jnl_journalEntries" roleURI="https://www.xbrl.or.jp/taxonomy/xbrl-gl-next/role/link_jnl_journalEntries">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="link_jnl_documentInformation" roleURI="https://www.xbrl.or.jp/taxonomy/xbrl-gl-next/role/link_jnl_documentInformation">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="link_jnl_entityParty" roleURI="https://www.xbrl.or.jp/taxonomy/xbrl-gl-next/role/link_jnl_entityParty">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="link_jnl_entryHeader" roleURI="https://www.xbrl.or.jp/taxonomy/xbrl-gl-next/role/link_jnl_entryHeader">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="link_jnl_entryDetail" roleURI="https://www.xbrl.or.jp/taxonomy/xbrl-gl-next/role/link_jnl_entryDetail">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="link_jnl_journalAccountIdentifier" roleURI="https://www.xbrl.or.jp/taxonomy/xbrl-gl-next/role/link_jnl_journalAccountIdentifier">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="link_jnl_subaccount" roleURI="https://www.xbrl.or.jp/taxonomy/xbrl-gl-next/role/link_jnl_subaccount">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
        <link:linkbaseRef xlink:type="simple" xlink:href="../../jnl/jnl-oim-pre-2026-12-31.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
</appinfo>
  </annotation>
  <!-- typed dimension referenced element -->
  <element name="_v" id="_v">
    <simpleType>
    <restriction base="string"/>
    </simpleType>
  </element>
  <!-- Hypercube -->
  <element name="h_jnl_journalEntries" id="h_jnl_journalEntries" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" nillable="true" abstract="true" xbrli:periodType="instant"/>
  <element name="h_jnl_documentInformation" id="h_jnl_documentInformation" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" nillable="true" abstract="true" xbrli:periodType="instant"/>
  <element name="h_jnl_entityParty" id="h_jnl_entityParty" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" nillable="true" abstract="true" xbrli:periodType="instant"/>
  <element name="h_jnl_entryHeader" id="h_jnl_entryHeader" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" nillable="true" abstract="true" xbrli:periodType="instant"/>
  <element name="h_jnl_entryDetail" id="h_jnl_entryDetail" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" nillable="true" abstract="true" xbrli:periodType="instant"/>
  <element name="h_jnl_journalAccountIdentifier" id="h_jnl_journalAccountIdentifier" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" nillable="true" abstract="true" xbrli:periodType="instant"/>
  <element name="h_jnl_subaccount" id="h_jnl_subaccount" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" nillable="true" abstract="true" xbrli:periodType="instant"/>
  <!-- Dimension -->
  <element name="d_jnl_journalEntries" id="d_jnl_journalEntries" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" abstract="true" xbrli:periodType="instant" xbrldt:typedDomainRef="#_v"/>
  <element name="d_jnl_entryHeader" id="d_jnl_entryHeader" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" abstract="true" xbrli:periodType="instant" xbrldt:typedDomainRef="#_v"/>
  <element name="d_jnl_entryDetail" id="d_jnl_entryDetail" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" abstract="true" xbrli:periodType="instant" xbrldt:typedDomainRef="#_v"/>
  <element name="d_jnl_journalAccountIdentifier" id="d_jnl_journalAccountIdentifier" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" abstract="true" xbrli:periodType="instant" xbrldt:typedDomainRef="#_v"/>
  <element name="d_jnl_subaccount" id="d_jnl_subaccount" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" abstract="true" xbrli:periodType="instant" xbrldt:typedDomainRef="#_v"/>
  <!-- Class primary-item anchors are declared in module-level OIM schemas -->
</schema>
