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  <xs:element id="act_ScheduleOfAveragePayoutOfIncurredClaimsTableTextBlock" abstract="false" name="ScheduleOfAveragePayoutOfIncurredClaimsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="act_ScheduleOfRetainedAggregateLossAndReinsuranceCoverageTableTextBlock" abstract="false" name="ScheduleOfRetainedAggregateLossAndReinsuranceCoverageTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="act_ReinsuranceCedingTableTextBlock" abstract="false" name="ReinsuranceCedingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="act_GenworthHoldingsIncMember" abstract="true" name="GenworthHoldingsIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_EnactReLtdMember" abstract="true" name="EnactReLtdMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="act_LargestCustomerMember" abstract="true" name="LargestCustomerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="act_WriteDownOfAFSSecurities" abstract="false" name="WriteDownOfAFSSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainLossTax" abstract="false" name="DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainLossTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_DebtSecuritiesAvailableForSaleUnrealizedGainLossRollForward" abstract="true" name="DebtSecuritiesAvailableForSaleUnrealizedGainLossRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="act_TechnologyAndCommunicationsSectorMember" abstract="true" name="TechnologyAndCommunicationsSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_NonCyclicalConsumerSectorMember" abstract="true" name="NonCyclicalConsumerSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_UtilitiesIndustrySectorMember" abstract="true" name="UtilitiesIndustrySectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_DebtSecuritiesAvailableForSalePercentageOfPortfolio" abstract="false" name="DebtSecuritiesAvailableForSalePercentageOfPortfolio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="act_ValuationTechniqueInternalModelsMember" abstract="true" name="ValuationTechniqueInternalModelsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_ValuationTechniqueBrokerQuotesMember" abstract="true" name="ValuationTechniqueBrokerQuotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_PricingServicesMember" abstract="true" name="PricingServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_DebtSecuritiesAvailableForSaleExcludingAccruedInterestPercentageOfPortfolioPricedUsingThirdPartyPricingServices" abstract="false" name="DebtSecuritiesAvailableForSaleExcludingAccruedInterestPercentageOfPortfolioPricedUsingThirdPartyPricingServices" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="act_DomesticMortgageInsuranceProductMember" abstract="true" name="DomesticMortgageInsuranceProductMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="act_RunOffAndOtherReservesProductMember" abstract="true" name="RunOffAndOtherReservesProductMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="act_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYearNet" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYearNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_LossAdjustmentAxis" abstract="true" name="LossAdjustmentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="act_LossAdjustmentDomain" abstract="true" name="LossAdjustmentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_ScenarioOneMember" abstract="true" name="ScenarioOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_ScenarioTwoMember" abstract="true" name="ScenarioTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_ReserveAdjustmentAxis" abstract="true" name="ReserveAdjustmentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="act_ReserveAdjustmentDomain" abstract="true" name="ReserveAdjustmentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_PriorYearClaimsAndClaimsAdjustmentFavorableReserveAdjustments" abstract="false" name="PriorYearClaimsAndClaimsAdjustmentFavorableReserveAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_ReinsurancePercentageOfPremiumsCeded" abstract="false" name="ReinsurancePercentageOfPremiumsCeded" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="act_InitialFirstLayerRetainedLoss" abstract="false" name="InitialFirstLayerRetainedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_CurrentFirstLayerRetainedLoss" abstract="false" name="CurrentFirstLayerRetainedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_InitialReinsuranceCoverage" abstract="false" name="InitialReinsuranceCoverage" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_CurrentReinsuranceCoverage" abstract="false" name="CurrentReinsuranceCoverage" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_ReinsurancePercentageOfCedingCommission" abstract="false" name="ReinsurancePercentageOfCedingCommission" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="act_ReinsuranceMaximumPercentageProfitCommission" abstract="false" name="ReinsuranceMaximumPercentageProfitCommission" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="act_SeniorNotesDue2025Member" abstract="true" name="SeniorNotesDue2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_SeniorNotesDue2029Member" abstract="true" name="SeniorNotesDue2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="act_LineOfCreditFacilityAccordionFeatureIncreaseLimit" abstract="false" name="LineOfCreditFacilityAccordionFeatureIncreaseLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_IncomeTaxExpenseProFormaIncreaseSeparateReturnMethod" abstract="false" name="IncomeTaxExpenseProFormaIncreaseSeparateReturnMethod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_HealthAndLifeInsuranceBenefitPlansMember" abstract="true" name="HealthAndLifeInsuranceBenefitPlansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_SavingsPlanContributionOneMember" abstract="true" name="SavingsPlanContributionOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_SavingsPlanContributionTwoMember" abstract="true" name="SavingsPlanContributionTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_QualifiedAndNonqualifiedPlanMember" abstract="true" name="QualifiedAndNonqualifiedPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_MultiemployerPlanFundedPercent" abstract="false" name="MultiemployerPlanFundedPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="act_MultiemployerPlanVestingPeriod" abstract="false" name="MultiemployerPlanVestingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="act_DefinedContributionPlanEmployerMatchingContributionVestingPeriod" abstract="false" name="DefinedContributionPlanEmployerMatchingContributionVestingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="act_EnactHoldingsInc2021OmnibusIncentivePlanMember" abstract="true" name="EnactHoldingsInc2021OmnibusIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_GenworthOmnibusIncentivePlansMember" abstract="true" name="GenworthOmnibusIncentivePlansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_Genworth2012OmnibusIncentivePlanMember" abstract="true" name="Genworth2012OmnibusIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_Genworth2018OmnibusIncentivePlanMember" abstract="true" name="Genworth2018OmnibusIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_TimeBasedCashAwardsMember" abstract="true" name="TimeBasedCashAwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_DeferredShareUnitsMember" abstract="true" name="DeferredShareUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendEquivalents" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendEquivalents" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="act_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendEquivalentsWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendEquivalentsWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="act_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsEmployeeTransferShares" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsEmployeeTransferShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="act_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceAdjustment" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceAdjustment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="act_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsEmployeeTransferInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsEmployeeTransferInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="act_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="act_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsEmployeeTransferWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsEmployeeTransferWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="act_CorporateExpensesMember" abstract="true" name="CorporateExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_InvestmentExpensesMember" abstract="true" name="InvestmentExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_InformationTechnologyAndAdministrativeServicesMember" abstract="true" name="InformationTechnologyAndAdministrativeServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_S2023Q4DividendsMember" abstract="true" name="S2023Q4DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="act_S2022Q4DividendsMember" abstract="true" name="S2022Q4DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="act_OtherComprehensiveIncomeLossAndOtherAdjustmentsNetOfTaxPortionAttributableToParent" abstract="false" name="OtherComprehensiveIncomeLossAndOtherAdjustmentsNetOfTaxPortionAttributableToParent" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_StatutoryAccountingPracticesStatutoryContingencyReserve" abstract="false" name="StatutoryAccountingPracticesStatutoryContingencyReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_NorthCarolinaDepartmentOfInsuranceMember" abstract="true" name="NorthCarolinaDepartmentOfInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_PrivateMortgageInsurerEligibilityRequirementsSetByGovernmentSponsoredEnterprisesMember" abstract="true" name="PrivateMortgageInsurerEligibilityRequirementsSetByGovernmentSponsoredEnterprisesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="act_StatutoryAccountingPracticesRatioOfRiskToCapital" abstract="false" name="StatutoryAccountingPracticesRatioOfRiskToCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="act_NetAssetsRiskBasedMultiplier" abstract="false" name="NetAssetsRiskBasedMultiplier" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="act_StatutoryNetAssetsAmount" abstract="false" name="StatutoryNetAssetsAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_MinimumNetAssetsThreshold" abstract="false" name="MinimumNetAssetsThreshold" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_StatutoryNetAssetsAboveMinimumThresholdAmount" abstract="false" name="StatutoryNetAssetsAboveMinimumThresholdAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="act_StatutoryNetAssetsAboveMinimumThresholdPercent" abstract="false" name="StatutoryNetAssetsAboveMinimumThresholdPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
</xs:schema>
