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<xs:schema xmlns:standardlifeplc="http://standardlifeplc.com/xbrl/2025" 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:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" targetNamespace="http://standardlifeplc.com/xbrl/2025" xmlns:xs="http://www.w3.org/2001/XMLSchema">
  <xs:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <xs:import schemaLocation="https://www.esma.europa.eu/taxonomy/2024-03-27/esef_cor.xsd" namespace="https://www.esma.europa.eu/taxonomy/2024-03-27/esef_cor" />
  <xs:import schemaLocation="http://www.xbrl.org/lrr/arcrole/esma-arcrole-2018-11-21.xsd" namespace="http://www.esma.europa.eu/xbrl/esef/arcrole/wider-narrower" />
  <xs:import schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd" namespace="http://www.xbrl.org/dtr/type/2022-03-31" />
  <xs:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="2138001P49OLAEU33T68-2025-12-31_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="2138001P49OLAEU33T68-2025-12-31_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="2138001P49OLAEU33T68-2025-12-31_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="2138001P49OLAEU33T68-2025-12-31_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="https://www.esma.europa.eu/taxonomy/2024-03-27/esef_cor-lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="https://www.esma.europa.eu/taxonomy/2024-03-27/esef_cor-gen-en.xml" xlink:type="simple" />
      <link:roleType id="NotesAndMandatoryItems" roleURI="http://standardlifeplc.com/xbrl/2025/roles/NotesAndMandatoryItems">
        <link:definition>01 - Notes and Mandatory Items</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ProfitOrLoss" roleURI="http://standardlifeplc.com/xbrl/2025/roles/ProfitOrLoss">
        <link:definition>02 - Profit or loss</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfComprehensiveIncome" roleURI="http://standardlifeplc.com/xbrl/2025/roles/StatementOfComprehensiveIncome">
        <link:definition>03 - Statement of comprehensive income</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfFinancialPosition" roleURI="http://standardlifeplc.com/xbrl/2025/roles/StatementOfFinancialPosition">
        <link:definition>04 - Statement of financial position</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfChangesInEquity" roleURI="http://standardlifeplc.com/xbrl/2025/roles/StatementOfChangesInEquity">
        <link:definition>05 - Statement of changes in equity</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfCashFlows" roleURI="http://standardlifeplc.com/xbrl/2025/roles/StatementOfCashFlows">
        <link:definition>06 - Statement of cash flows</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Anchoring" roleURI="http://standardlifeplc.com/xbrl/2025/roles/Anchoring">
        <link:definition>99 - Groups all anchored elements</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="standardlifeplc_InsuranceServiceResultBeforeReinsuranceContracts" xbrli:balance="credit" xbrli:periodType="duration" name="InsuranceServiceResultBeforeReinsuranceContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_NetFinanceExpenseIncomeFromInsuranceContracts" xbrli:balance="credit" xbrli:periodType="duration" name="NetFinanceExpenseIncomeFromInsuranceContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_NetFinanceIncomeExpenseFromReinsuranceContracts" xbrli:balance="credit" xbrli:periodType="duration" name="NetFinanceIncomeExpenseFromReinsuranceContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_NetInsuranceFinanceExpenseIncome" xbrli:balance="credit" xbrli:periodType="duration" name="NetInsuranceFinanceExpenseIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_ChangeInInvestmentContractLiabilities" xbrli:balance="credit" xbrli:periodType="duration" name="ChangeInInvestmentContractLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_ChangeInReinsurersShareOfInvestmentContractLiabilities" xbrli:balance="credit" xbrli:periodType="duration" name="ChangeInReinsurersShareOfInvestmentContractLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_AmortisationAndImpairmentOfIntangibleAssets" xbrli:balance="debit" xbrli:periodType="duration" name="AmortisationAndImpairmentOfIntangibleAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_NetExpenseIncomeAttributableToUnitholders" xbrli:balance="credit" xbrli:periodType="duration" name="NetExpenseIncomeAttributableToUnitholders" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_TaxChargeCreditAttributableToPolicyholdersReturns" xbrli:balance="debit" xbrli:periodType="duration" name="TaxChargeCreditAttributableToPolicyholdersReturns" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_LossBeforeTheTaxAttributableToOwners" xbrli:balance="credit" xbrli:periodType="duration" name="LossBeforeTheTaxAttributableToOwners" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_TaxAttributableToPolicyholdersReturns" xbrli:balance="debit" xbrli:periodType="duration" name="TaxAttributableToPolicyholdersReturns" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_TaxCreditChargeAttributableToOwners" xbrli:balance="debit" xbrli:periodType="duration" name="TaxCreditChargeAttributableToOwners" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_RemeasurementOfOwnerOccupiedProperty" xbrli:balance="debit" xbrli:periodType="duration" name="RemeasurementOfOwnerOccupiedProperty" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_TaxCreditChargeRelatingToOtherComprehensiveIncomeItems" xbrli:balance="debit" xbrli:periodType="duration" name="TaxCreditChargeRelatingToOtherComprehensiveIncomeItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_PensionSchemeAsset" xbrli:balance="debit" xbrli:periodType="instant" name="PensionSchemeAsset" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_ReimbursementRightsAssets" xbrli:balance="debit" xbrli:periodType="instant" name="ReimbursementRightsAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_ReinsuranceContractAssets" xbrli:balance="debit" xbrli:periodType="instant" name="ReinsuranceContractAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_SharesHeldByEmployeeBenefitTrust" xbrli:balance="credit" xbrli:periodType="instant" name="SharesHeldByEmployeeBenefitTrust" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_Tier1Notes" xbrli:balance="credit" xbrli:periodType="instant" name="Tier1Notes" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_ReimbursementRightLiabilities" xbrli:balance="credit" xbrli:periodType="instant" name="ReimbursementRightLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_InsuranceContractLiabilities" xbrli:balance="credit" xbrli:periodType="instant" name="InsuranceContractLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_ReinsuranceContractLiabilities" xbrli:balance="credit" xbrli:periodType="instant" name="ReinsuranceContractLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_Tier1NotesMember" xbrli:periodType="duration" abstract="true" name="Tier1NotesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" />
  <xs:element id="standardlifeplc_ReserveMovementOnExerciseOfShareSchemeAwards" xbrli:balance="credit" xbrli:periodType="duration" name="ReserveMovementOnExerciseOfShareSchemeAwards" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_SharesAcquiredByTheEmployeeBenefitTrust" xbrli:balance="debit" xbrli:periodType="duration" name="SharesAcquiredByTheEmployeeBenefitTrust" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_DecreaseInNonControllingInterests" xbrli:balance="debit" xbrli:periodType="duration" name="DecreaseInNonControllingInterests" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_CouponPaidOnTier1Notes" xbrli:balance="debit" xbrli:periodType="duration" name="CouponPaidOnTier1Notes" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_TransferOfMergerReliefReserve" xbrli:balance="credit" xbrli:periodType="duration" name="TransferOfMergerReliefReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_CapitalisedSoftwareDevelopmentCostsClassifiedAsInvestingActivities" xbrli:balance="credit" xbrli:periodType="duration" name="CapitalisedSoftwareDevelopmentCostsClassifiedAsInvestingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_AcquisitionOfNonControllingInterestsClassifiedAsFinancingActivities" xbrli:balance="credit" xbrli:periodType="duration" name="AcquisitionOfNonControllingInterestsClassifiedAsFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_RepaymentOfPolicyholderBorrowingsClassifiedAsFinancingActivities" xbrli:balance="credit" xbrli:periodType="duration" name="RepaymentOfPolicyholderBorrowingsClassifiedAsFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_RepaymentOfShareholderBorrowingsClassifiedAsFinancingActivities" xbrli:balance="credit" xbrli:periodType="duration" name="RepaymentOfShareholderBorrowingsClassifiedAsFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_ProceedsFromNewShareholderBorrowingsNetOfAssociatedExpensesClassifiedAsFinancingActivities" xbrli:balance="debit" xbrli:periodType="duration" name="ProceedsFromNewShareholderBorrowingsNetOfAssociatedExpensesClassifiedAsFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_ProceedsFromNewPolicyholderBorrowingsNetOfAssociatedExpensesClassifiedAsFinancingActivities" xbrli:balance="debit" xbrli:periodType="duration" name="ProceedsFromNewPolicyholderBorrowingsNetOfAssociatedExpensesClassifiedAsFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_CouponPaidOnTier1NotesClassifiedAsFinancingActivities" xbrli:balance="credit" xbrli:periodType="duration" name="CouponPaidOnTier1NotesClassifiedAsFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_InterestPaidOnPolicyholderBorrowingsClassifiedAsFinancingActivities" xbrli:balance="credit" xbrli:periodType="duration" name="InterestPaidOnPolicyholderBorrowingsClassifiedAsFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_InterestPaidOnShareholderBorrowingsClassifiedAsFinancingActivities" xbrli:balance="credit" xbrli:periodType="duration" name="InterestPaidOnShareholderBorrowingsClassifiedAsFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="standardlifeplc_DescriptionOfAccountingPolicyForOtherOperatingIncome" xbrli:periodType="duration" name="DescriptionOfAccountingPolicyForOtherOperatingIncome" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DisclosureOfEarningsPerformance" xbrli:periodType="duration" name="DisclosureOfEarningsPerformance" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DisclosureOfInvestmentReturnVariancesAndEconomicAssumptionChanges" xbrli:periodType="duration" name="DisclosureOfInvestmentReturnVariancesAndEconomicAssumptionChanges" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DisclosureOfCalculationOfTheLongTermInvestmentReturn" xbrli:periodType="duration" name="DisclosureOfCalculationOfTheLongTermInvestmentReturn" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DisclosureOfNetInvestmentIncome" xbrli:periodType="duration" name="DisclosureOfNetInvestmentIncome" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DescriptionOfAccountingPolicyForNetInvestmentIncome" xbrli:periodType="duration" name="DescriptionOfAccountingPolicyForNetInvestmentIncome" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DescriptionOfAccountingPolicyForNetInsuranceFinanceExpenseIncome" xbrli:periodType="duration" name="DescriptionOfAccountingPolicyForNetInsuranceFinanceExpenseIncome" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DescriptionOfAccountingPolicyForOtherReserves" xbrli:periodType="duration" name="DescriptionOfAccountingPolicyForOtherReserves" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DisclosureOfTier1Notes" xbrli:periodType="duration" name="DisclosureOfTier1Notes" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_AnalysisOfCSM" xbrli:periodType="duration" name="AnalysisOfCSM" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DisclosureOfRecognitionOfCSMInProfitOrLoss" xbrli:periodType="duration" name="DisclosureOfRecognitionOfCSMInProfitOrLoss" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DisclosureOfEffectOfContractsInitiallyRecognisedInTheYear" xbrli:periodType="duration" name="DisclosureOfEffectOfContractsInitiallyRecognisedInTheYear" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DisclosureOfUnderlyingItems" xbrli:periodType="duration" name="DisclosureOfUnderlyingItems" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DisclosureOfRiskManagementInsuranceRisk" xbrli:periodType="duration" name="DisclosureOfRiskManagementInsuranceRisk" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
  <xs:element id="standardlifeplc_DescriptionOfAccountingPolicyForCapitalManagement" xbrli:periodType="duration" name="DescriptionOfAccountingPolicyForCapitalManagement" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" />
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