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  <xsd:element abstract="true" id="cno_BaseRateSubjectToEurodollarFloorMember" name="BaseRateSubjectToEurodollarFloorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_BenefitsLossesAndExpensesExcludingAmortizationRelatedToRealizedGainsLossesAndFairValueChangesInEmbeddedDerivativeLiabilitiesNetOfRelatedAmortizationAndIncomeTaxes" name="BenefitsLossesAndExpensesExcludingAmortizationRelatedToRealizedGainsLossesAndFairValueChangesInEmbeddedDerivativeLiabilitiesNetOfRelatedAmortizationAndIncomeTaxes" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element id="cno_CombinedStatutoryCapitalAndSurplusAtPeriodEnd" name="CombinedStatutoryCapitalAndSurplusAtPeriodEnd" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_CommonShareRepurchaseProgramMember" name="CommonShareRepurchaseProgramMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_CommonStockOutstandingRollForward" name="CommonStockOutstandingRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
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  <xsd:element id="cno_ConversionRatePer1000DollarPrincipalAmountof7PercentConvertibleDebenturesShares" name="ConversionRatePer1000DollarPrincipalAmountof7PercentConvertibleDebenturesShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_CoventryHealthCareMarketingAndQuotaShareAgreementsMember" name="CoventryHealthCareMarketingAndQuotaShareAgreementsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_DebtInstrumentAnnualAmortizationPercentageOfLoanInFirstAndSecondYear" name="DebtInstrumentAnnualAmortizationPercentageOfLoanInFirstAndSecondYear" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_DebtInstrumentAnnualAmortizationPercentageOfLoanInThirdAndFourthYear" name="DebtInstrumentAnnualAmortizationPercentageOfLoanInThirdAndFourthYear" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_DebtInstrumentDebtToCapitalizationRatioPercentageRequiredNoMandatoryPrepayment" name="DebtInstrumentDebtToCapitalizationRatioPercentageRequiredNoMandatoryPrepayment" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
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  <xsd:element id="cno_DebtInstrumentLimitOfRestrictedPaymentsPermittedAmountOfAllowedAdditionalPayments" name="DebtInstrumentLimitOfRestrictedPaymentsPermittedAmountOfAllowedAdditionalPayments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_DebtInstrumentLimitOfRestrictedPaymentsPermittedCashDividendsOnCommonStock" name="DebtInstrumentLimitOfRestrictedPaymentsPermittedCashDividendsOnCommonStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_DebtInstrumentTermsMandatoryPrepaymentsPercentageOfNetCashProceedsFromAssetSalesAndCasualtyEvents" name="DebtInstrumentTermsMandatoryPrepaymentsPercentageOfNetCashProceedsFromAssetSalesAndCasualtyEvents" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_DebtInstrumentTermsMandatoryPrepaymentsPercentageOfNetCashProceedsReceivedForRestrictedSubsidiariesFromDebtIssuances" name="DebtInstrumentTermsMandatoryPrepaymentsPercentageOfNetCashProceedsReceivedForRestrictedSubsidiariesFromDebtIssuances" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
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  <xsd:element id="cno_DebtInstrumentTermsMandatoryPrepaymentsReducedPercentage" name="DebtInstrumentTermsMandatoryPrepaymentsReducedPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_DebtInstrumentTermsMinimumProFormaRiskBasedCapitalRatioForRestrictedPayments" name="DebtInstrumentTermsMinimumProFormaRiskBasedCapitalRatioForRestrictedPayments" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_DebtInstrumentVariableRateAxis" name="DebtInstrumentVariableRateAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
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  <xsd:element id="cno_DebtToCapitalizationRatioMaximumThresholdForRepaymentRequirement" name="DebtToCapitalizationRatioMaximumThresholdForRepaymentRequirement" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_DebtToCapitalizationRatioRequired" name="DebtToCapitalizationRatioRequired" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_DebtToCapitalizationRatioThresholdRequiringEqualDebtRepayment" name="DebtToCapitalizationRatioThresholdRequiringEqualDebtRepayment" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_DeferredTaxAssetsBeforeValuationAllowance" name="DeferredTaxAssetsBeforeValuationAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_DeferredTaxAssetsTaxLossCarryforwardsSubjectToExpirationNetOfValuationAllowance" name="DeferredTaxAssetsTaxLossCarryforwardsSubjectToExpirationNetOfValuationAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_DeferredTaxLiabilitiesUnrealizedGainsOnAvailableForSaleSecurities" name="DeferredTaxLiabilitiesUnrealizedGainsOnAvailableForSaleSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_DerivativesMember" name="DerivativesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element id="cno_DisposalGroupIncludingDiscontinuedOperationAgreementtoSellPendingRegulatoryApprovalCashConsiderationtoBeReceived" name="DisposalGroupIncludingDiscontinuedOperationAgreementtoSellPendingRegulatoryApprovalCashConsiderationtoBeReceived" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_DisposalGroupIncludingDiscontinuedOperationDeferredAcquisitionCosts" name="DisposalGroupIncludingDiscontinuedOperationDeferredAcquisitionCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element id="cno_DisposalGroupIncludingDiscontinuedOperationPresentValueofFutureProfits" name="DisposalGroupIncludingDiscontinuedOperationPresentValueofFutureProfits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_DisposalGroupIncludingDiscontinuedOperationsAccumulatedOtherComprehensiveIncome" name="DisposalGroupIncludingDiscontinuedOperationsAccumulatedOtherComprehensiveIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_DisposalGroupIncludingDiscontinuedOperationsInvestmentBorrowings" name="DisposalGroupIncludingDiscontinuedOperationsInvestmentBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element id="cno_DisposalGroupIncludingDiscontinuedOperationsLiabilitiesforInsuranceProducts" name="DisposalGroupIncludingDiscontinuedOperationsLiabilitiesforInsuranceProducts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_DisposalGroupIncludingDiscontinuedOperationsNetAssetsSold" name="DisposalGroupIncludingDiscontinuedOperationsNetAssetsSold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_DisposalGroupIncludingDiscontinuedOperationsOtherAssets" name="DisposalGroupIncludingDiscontinuedOperationsOtherAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_DisposalGroupIncludingDiscontinuedOperationsPresentValueofFutureProfitsandDeferredAcquisitionCosts" name="DisposalGroupIncludingDiscontinuedOperationsPresentValueofFutureProfitsandDeferredAcquisitionCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_DisposalGroupIncludingDiscontinuedOperationsProceedsExceedingDefinedAmountRequireAMandatoryPrepaymentPursuantToSeniorSecuredCreditAgreement" name="DisposalGroupIncludingDiscontinuedOperationsProceedsExceedingDefinedAmountRequireAMandatoryPrepaymentPursuantToSeniorSecuredCreditAgreement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_DisposalGroupIncludingDiscontinuedOperationsReinsuranceReceivables" name="DisposalGroupIncludingDiscontinuedOperationsReinsuranceReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_EliminationsMember" name="EliminationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_EmbeddedDerivativeAmortizationRelatedToFairValueChangesInEmbeddedDerivativeLiabilities" name="EmbeddedDerivativeAmortizationRelatedToFairValueChangesInEmbeddedDerivativeLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_EmbeddedDerivativeAssociatedWithModifiedCoinsuranceAgreementMember" name="EmbeddedDerivativeAssociatedWithModifiedCoinsuranceAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_EmbeddedDerivativesAssociatedWithFixedIndexAnnuityProductsMember" name="EmbeddedDerivativesAssociatedWithFixedIndexAnnuityProductsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_EquitySecuritiesClassificationMember" name="EquitySecuritiesClassificationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_EquitySecuritiesFairValueDisclosure" name="EquitySecuritiesFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_EstimatedFairValueMember" name="EstimatedFairValueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_EstimatedNormalizedAnnualTaxableIncomeForCurrentYear" name="EstimatedNormalizedAnnualTaxableIncomeForCurrentYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_EurodollarFloorMember" name="EurodollarFloorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_EurodollarRateMember" name="EurodollarRateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_ExpensesRelatedToCertainNonStrategicInvestmentsAndEarningsAttributableToNonControllingInterests" name="ExpensesRelatedToCertainNonStrategicInvestmentsAndEarningsAttributableToNonControllingInterests" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_ExpensesRelatedToDebtModificationAndExtinguishmentOfDebt" name="ExpensesRelatedToDebtModificationAndExtinguishmentOfDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_ExtinguishmentOfBeneficialConversionFeatureRelatedToRepurchaseOfConvertibleDebentures" name="ExtinguishmentOfBeneficialConversionFeatureRelatedToRepurchaseOfConvertibleDebentures" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_ExtinguishmentofDebtGainLossDeferredIncomeTax" name="ExtinguishmentofDebtGainLossDeferredIncomeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_FairValueFixedMaturitySecuritiesValuedUsingBrokerQuotesPercentage" name="FairValueFixedMaturitySecuritiesValuedUsingBrokerQuotesPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_FairValueInvestmentsHeldByVariableInterestEntityThatHadBeenInUnrealizedLossPosition" name="FairValueInvestmentsHeldByVariableInterestEntityThatHadBeenInUnrealizedLossPosition" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetsOfSubsidiarySold" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetsOfSubsidiarySold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitiesofSubsidiarySold" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitiesofSubsidiarySold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_FederalLongTermTaxExemptRate" name="FederalLongTermTaxExemptRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_FixMaturitySecuritiesThatContainEmbeddedDerivativesClassifiedasTradingSecurities" name="FixMaturitySecuritiesThatContainEmbeddedDerivativesClassifiedasTradingSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_GainLossonInvestmentsExcludingCashExpenses" name="GainLossonInvestmentsExcludingCashExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_GainLossonReinsuranceTransaction" name="GainLossonReinsuranceTransaction" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_GreaterThanTwelveMonthsMember" name="GreaterThanTwelveMonthsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_GrossUnrealizedLossesOnInvestmentsHeldByVariableInterestEntity" name="GrossUnrealizedLossesOnInvestmentsHeldByVariableInterestEntity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_HedgeFund" name="HedgeFund" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_ImpairmentsOfMortgageLoansAndOtherInvestmentsMember" name="ImpairmentsOfMortgageLoansAndOtherInvestmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_IncomeTaxExaminationExpiredCapitalLossCarryforwardsifIRSpositioniscorrect" name="IncomeTaxExaminationExpiredCapitalLossCarryforwardsifIRSpositioniscorrect" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_IncomeTaxExaminationIncreaseinValuationAllowanceifUnrecognizedTaxBenefitsisRecognized" name="IncomeTaxExaminationIncreaseinValuationAllowanceifUnrecognizedTaxBenefitsisRecognized" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_IncomeTaxExpenseAbstract" name="IncomeTaxExpenseAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_IncomeTaxExpenseBenefitBasedonEstimatedAnnualEffectiveTaxRate" name="IncomeTaxExpenseBenefitBasedonEstimatedAnnualEffectiveTaxRate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_IncomeTaxExpenseBenefitBeforeValuationAllowanceAdjustment" name="IncomeTaxExpenseBenefitBeforeValuationAllowanceAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_IncreaseToDeferredTaxAssetsDueToUnrealizedGainsThatWouldResultInPremiumDeficiencyIfUnrealizedGainsWereRealized" name="IncreaseToDeferredTaxAssetsDueToUnrealizedGainsThatWouldResultInPremiumDeficiencyIfUnrealizedGainsWereRealized" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_InsurancePolicyBenefits" name="InsurancePolicyBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_InsurancePolicyIncomeRelatedToAnnuityProducts" name="InsurancePolicyIncomeRelatedToAnnuityProducts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_InterestCoverageRatioRequired" name="InterestCoverageRatioRequired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_InterestExpenseOnCorporateDebt" name="InterestExpenseOnCorporateDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_InterestExpenseOnFhlbBorrowings" name="InterestExpenseOnFhlbBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_InterestExpenseRelatedToInvestmentBorrowings" name="InterestExpenseRelatedToInvestmentBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_InterestSensitiveProductsFixedIndexAnnuityProductsMember" name="InterestSensitiveProductsFixedIndexAnnuityProductsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_InterestSensitiveProductsModifiedCoinsuranceAgreementMember" name="InterestSensitiveProductsModifiedCoinsuranceAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentBorrowings" name="InvestmentBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_InvestmentBorrowingsAbstract" name="InvestmentBorrowingsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_InvestmentBorrowingsAxis" name="InvestmentBorrowingsAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_InvestmentBorrowingsDomain" name="InvestmentBorrowingsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentBorrowingsFairValueDisclosure" name="InvestmentBorrowingsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_InvestmentByClassificationAxis" name="InvestmentByClassificationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_InvestmentByClassificationDomain" name="InvestmentByClassificationDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_InvestmentRatingAxis" name="InvestmentRatingAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_InvestmentRatingDomain" name="InvestmentRatingDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentsFairValueDisclosureSignificantAssumptionsAnnualDefaultRate" name="InvestmentsFairValueDisclosureSignificantAssumptionsAnnualDefaultRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentsFairValueDisclosureSignificantAssumptionsDiscountRate" name="InvestmentsFairValueDisclosureSignificantAssumptionsDiscountRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentsFairValueDisclosureSignificantAssumptionsPortfolioCccPercent" name="InvestmentsFairValueDisclosureSignificantAssumptionsPortfolioCccPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentsFairValueDisclosureSignificantAssumptionsRecoveries" name="InvestmentsFairValueDisclosureSignificantAssumptionsRecoveries" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentsFairValueDisclosureSignificantAssumptionsWeightedAverageAnnualDefaultRate" name="InvestmentsFairValueDisclosureSignificantAssumptionsWeightedAverageAnnualDefaultRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentsFairValueDisclosureSignificantAssumptionsWeightedAverageConstantPrepaymentRate" name="InvestmentsFairValueDisclosureSignificantAssumptionsWeightedAverageConstantPrepaymentRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentsFairValueDisclosureSignificantAssumptionsWeightedAverageDiscountRate" name="InvestmentsFairValueDisclosureSignificantAssumptionsWeightedAverageDiscountRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentsFairValueDisclosureSignificantAssumptionsWeightedAveragePortfolioCccPercent" name="InvestmentsFairValueDisclosureSignificantAssumptionsWeightedAveragePortfolioCccPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentsFairValueDisclosureSignificantAssumptionsWeightedAverageRecoveries" name="InvestmentsFairValueDisclosureSignificantAssumptionsWeightedAverageRecoveries" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentsHeldByVariableInterestEntities" name="InvestmentsHeldByVariableInterestEntities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_InvestmentsHeldInLimitedPartnerships" name="InvestmentsHeldInLimitedPartnerships" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_InvestmentsInVariableInterestEntities" name="InvestmentsInVariableInterestEntities" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_InvestmentsInVariableInterestEntitiesAbstract" name="InvestmentsInVariableInterestEntitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_InvestmentsTextBlock" name="InvestmentsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_LessThanTwelveMonthsMember" name="LessThanTwelveMonthsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_LesserOfInterestCoverageRatioRequired" name="LesserOfInterestCoverageRatioRequired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_LiabilitiesFairValueDisclosureSignificantAssumptionsDiscountRates" name="LiabilitiesFairValueDisclosureSignificantAssumptionsDiscountRates" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_LiabilitiesFairValueDisclosureSignificantAssumptionsProjectedPortfolioYields" name="LiabilitiesFairValueDisclosureSignificantAssumptionsProjectedPortfolioYields" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_LiabilitiesFairValueDisclosureSignificantAssumptionsSurrenderRates" name="LiabilitiesFairValueDisclosureSignificantAssumptionsSurrenderRates" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_LiabilitiesFairValueDisclosureSignificantAssumptionsWeightedAverageDiscountRates" name="LiabilitiesFairValueDisclosureSignificantAssumptionsWeightedAverageDiscountRates" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_LiabilitiesFairValueDisclosureSignificantAssumptionsWeightedAverageProjectedPortfolioYields" name="LiabilitiesFairValueDisclosureSignificantAssumptionsWeightedAverageProjectedPortfolioYields" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_LiabilitiesFairValueDisclosureSignificantAssumptionsWeightedAverageSurrenderRates" name="LiabilitiesFairValueDisclosureSignificantAssumptionsWeightedAverageSurrenderRates" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_LiabilitiesForInterestSensitiveProducts" name="LiabilitiesForInterestSensitiveProducts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_LiabilitiesForInterestSensitiveProductsExcludingEmbeddedDerivatives" name="LiabilitiesForInterestSensitiveProductsExcludingEmbeddedDerivatives" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_LiabilitiesForInterestSensitiveProductsFairValueDisclosure" name="LiabilitiesForInterestSensitiveProductsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_LiabilitiesSoldFairValue" name="LiabilitiesSoldFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_LifeInsuranceCompaniesMember" name="LifeInsuranceCompaniesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_LossLimitationBasedOnIncomeOfLifeInsuranceCompany" name="LossLimitationBasedOnIncomeOfLifeInsuranceCompany" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_LossLimitationBasedOnLossOfNonLifeEntities" name="LossLimitationBasedOnLossOfNonLifeEntities" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_LossOnInvestmentInSeniorHealth" name="LossOnInvestmentInSeniorHealth" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_MajorTypesOfInvestmentsAxis" name="MajorTypesOfInvestmentsAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_MajorTypesOfInvestmentsDomain" name="MajorTypesOfInvestmentsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_MarketableSecuritiesMember" name="MarketableSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_MaturitiesAndRedemptionsOfInvestments" name="MaturitiesAndRedemptionsOfInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_MinimumCombinedStatutoryCapitalAndSurplus" name="MinimumCombinedStatutoryCapitalAndSurplus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_MortgageLoanMember" name="MortgageLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_MortgagePassThroughSecuritiesMember" name="MortgagePassThroughSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_NetAssetsSoldAbstract" name="NetAssetsSoldAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_NetInvestmentIncomeOnGeneralAccountInvestedAssets" name="NetInvestmentIncomeOnGeneralAccountInvestedAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_NetInvestmentIncomeOnPolicyholderAndReinsurerAccountsAndOtherSpecialPurposePortfolios" name="NetInvestmentIncomeOnPolicyholderAndReinsurerAccountsAndOtherSpecialPurposePortfolios" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_NetSalesPurchasesOfTradingSecurities" name="NetSalesPurchasesOfTradingSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_NewAccountingPoliciesTextBlock" name="NewAccountingPoliciesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_NonLifeInsuranceCompaniesMember" name="NonLifeInsuranceCompaniesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_NoncreditComponentOfImpairmentLossesOnFixedMaturitiesAvailableForSale" name="NoncreditComponentOfImpairmentLossesOnFixedMaturitiesAvailableForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_NoncreditComponentOfImpairmentLossesOnFixedMaturitiesAvailableForSaleTax" name="NoncreditComponentOfImpairmentLossesOnFixedMaturitiesAvailableForSaleTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_NumberOfStatesParticipatingInExaminationOfComplianceWithUnclaimedPropertyLaws" name="NumberOfStatesParticipatingInExaminationOfComplianceWithUnclaimedPropertyLaws" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_OperatingLossCarryforwardNetofTaxBenefits" name="OperatingLossCarryforwardNetofTaxBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_OtherCnoBusinessMember" name="OtherCnoBusinessMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_OtherComprehensiveIncomeLossAmortizationOfPresentValueOfFutureProfitsAndDeferredAcqusitionsCostsReductionInPremiumDeficienciesBeforeTax" name="OtherComprehensiveIncomeLossAmortizationOfPresentValueOfFutureProfitsAndDeferredAcqusitionsCostsReductionInPremiumDeficienciesBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_OtherComprehensiveIncomeLossAmortizationOfPresentValueOfFutureProfitsAndDeferredAcqusitionsCostsUnrealizedHoldingGainLossArisingDuringPeriodBeforeTax" name="OtherComprehensiveIncomeLossAmortizationOfPresentValueOfFutureProfitsAndDeferredAcqusitionsCostsUnrealizedHoldingGainLossArisingDuringPeriodBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_OtherComprehensiveIncomeLossNetLossRelatedToDeferredCompensationPlanBeforeTax" name="OtherComprehensiveIncomeLossNetLossRelatedToDeferredCompensationPlanBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_OtherComprehensiveIncomeLossReclassificationAdjustmentForAmortizationOfPresentValueOfFutureProfitsAndDeferredAcquisitionCostsRelatedToNetRealizedInvestmentGainsBeforeTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentForAmortizationOfPresentValueOfFutureProfitsAndDeferredAcquisitionCostsRelatedToNetRealizedInvestmentGainsBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfReclassificationAndAmortizationAdjustmentsBeforeTax" name="OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfReclassificationAndAmortizationAdjustmentsBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_OtherInvestedAssetsByTypeAxis" name="OtherInvestedAssetsByTypeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_OtherInvestedAssetsByTypeDomain" name="OtherInvestedAssetsByTypeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_OtherInvestmentsFairValueDisclosure" name="OtherInvestmentsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_OtherSecuritiesMember" name="OtherSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_OtherThanTemporaryImpairmentLossesImpairmentOnPrivateCompanyInvestmentsNotMeetingExpectationsAssumedonPreviousValuationsPortionRecognizedInEarningsNet" name="OtherThanTemporaryImpairmentLossesImpairmentOnPrivateCompanyInvestmentsNotMeetingExpectationsAssumedonPreviousValuationsPortionRecognizedInEarningsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_OtherThanTemporaryImpairmentLossesWritedownofMortgageLoansDueToLossofMajorTenantPortionRecognizedInEarningsNet" name="OtherThanTemporaryImpairmentLossesWritedownofMortgageLoansDueToLossofMajorTenantPortionRecognizedInEarningsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_OutOfPeriodAdjustmentEffectOnInsurancePolicyBenefits" name="OutOfPeriodAdjustmentEffectOnInsurancePolicyBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_OutOfPeriodAdjustmentEffectOnNetIncome" name="OutOfPeriodAdjustmentEffectOnNetIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_OutOfPeriodAdjustmentIncreaseInAmortizationExpense" name="OutOfPeriodAdjustmentIncreaseInAmortizationExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_OutOfPeriodAdjustmentMember" name="OutOfPeriodAdjustmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_OutofPeriodAdjustmentDecreaseinTaxExpense" name="OutofPeriodAdjustmentDecreaseinTaxExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_OutofPeriodAdjustmentIncreaseinOtherOperatingCostsandExpenses" name="OutofPeriodAdjustmentIncreaseinOtherOperatingCostsandExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_OutofPeriodAdjustmentsAbstract" name="OutofPeriodAdjustmentsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_OutofPeriodAdjustmentsTextBlock" name="OutofPeriodAdjustmentsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_OvercollateralizationRateOfMarketValueTrusts" name="OvercollateralizationRateOfMarketValueTrusts" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_OwnershipChangeThresholdRestrictingNolUseage" name="OwnershipChangeThresholdRestrictingNolUseage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cno_ParValueofEach7PercentConvertibleDebenture" name="ParValueofEach7PercentConvertibleDebenture" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_PaymentToReinsurerPursuantToLongTermCareBusinessReinsured" name="PaymentToReinsurerPursuantToLongTermCareBusinessReinsured" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_PaymentsToExtinguishBeneficialConversionFeatureOfConvertibleDebt" name="PaymentsToExtinguishBeneficialConversionFeatureOfConvertibleDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_PersistencyBonusBenefitsIncludedInInsuranceLiabilities" name="PersistencyBonusBenefitsIncludedInInsuranceLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_PolicyAcquisitionCosts" name="PolicyAcquisitionCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_Pretaxoperatingearnings" name="Pretaxoperatingearnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_ProceedsFromInvestmentBorrowingsRelatedToVariableInterestEntities" name="ProceedsFromInvestmentBorrowingsRelatedToVariableInterestEntities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_PurchasesOfInvestments" name="PurchasesOfInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_ReclassificationAdjustmentsAbstract" name="ReclassificationAdjustmentsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_ReconciliationOfNetIncomeToNetCashProvidedByOperatingActivitiesTableTextBlock" name="ReconciliationOfNetIncomeToNetCashProvidedByOperatingActivitiesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_ReductionToDeferredAcquisitionCostsDueToUnrealizedGainsThatWouldResultInPremiumDeficiencyIfUnrealizedGainsWereRealized" name="ReductionToDeferredAcquisitionCostsDueToUnrealizedGainsThatWouldResultInPremiumDeficiencyIfUnrealizedGainsWereRealized" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_ReductionToPresentValueOfFutureProfitsDueToUnrealizedGainsThatWouldResultInPremiumDeficiencyIfUnrealizedGainsWereRealized" name="ReductionToPresentValueOfFutureProfitsDueToUnrealizedGainsThatWouldResultInPremiumDeficiencyIfUnrealizedGainsWereRealized" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_Reinsurancerecapturefeepaid" name="Reinsurancerecapturefeepaid" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_RepaymentsOfInvestmentBorrowingsRelatedToVariableInterestEntities" name="RepaymentsOfInvestmentBorrowingsRelatedToVariableInterestEntities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_RestrictedandPerformanceStockMember" name="RestrictedandPerformanceStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_RevenuesExcludingRealizedGainsLosses" name="RevenuesExcludingRealizedGainsLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_RevenuesRelatedToCertainNonStrategicInvestmentsAndEarningsAttributableToNonControllingInterests" name="RevenuesRelatedToCertainNonStrategicInvestmentsAndEarningsAttributableToNonControllingInterests" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_SalesInducementsTextBlock" name="SalesInducementsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_SalesOfInvestments" name="SalesOfInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_ScheduleOfFixedMaturitiesAvailableForSaleAndEquitySecuritiesTableTextBlock" name="ScheduleOfFixedMaturitiesAvailableForSaleAndEquitySecuritiesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_ScheduleOfImpactOnBalanceSheetOfConsolidatingVariableInterestEntitiesTextBlock" name="ScheduleOfImpactOnBalanceSheetOfConsolidatingVariableInterestEntitiesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_ScheduleOfTermsOfFederalHomeLoanBankBorrowingTableTextBlock" name="ScheduleOfTermsOfFederalHomeLoanBankBorrowingTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_SeniorSecuredCreditAgreementMember" name="SeniorSecuredCreditAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_SeniorSecuredNote6375PercentMember" name="SeniorSecuredNote6375PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_ShareBasedCompensationNoncashPortion" name="ShareBasedCompensationNoncashPortion" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_StockBasedCompensation" name="StockBasedCompensation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_StockRepurchaseProgramIncreaseInAuthorizedAmount" name="StockRepurchaseProgramIncreaseInAuthorizedAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_StockRepurchaseProgramRemainingRepurchaseAuthorizedAmount" name="StockRepurchaseProgramRemainingRepurchaseAuthorizedAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_TaxCreditCarryforwardNetofTaxBenefits" name="TaxCreditCarryforwardNetofTaxBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_TermLoanFacilityFourYearMember" name="TermLoanFacilityFourYearMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_TermLoanFacilitySixYearMember" name="TermLoanFacilitySixYearMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_TotalFixedMaturitiesAvailableForSaleMember" name="TotalFixedMaturitiesAvailableForSaleMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_TotalLossCarryforwards" name="TotalLossCarryforwards" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_TotalLossCarryforwardsNetofTaxBenefits" name="TotalLossCarryforwardsNetofTaxBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_TotalOtherThanTemporaryImpairmentLossesOnInvestmentsHeldByVariableInterestEntities" name="TotalOtherThanTemporaryImpairmentLossesOnInvestmentsHeldByVariableInterestEntities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_TradingSecuritiesMember" name="TradingSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_UncommittedSubfacilityMember" name="UncommittedSubfacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_UnfundedCommittmentsToLimitedPartnerships" name="UnfundedCommittmentsToLimitedPartnerships" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_UnrecognizedNetLossRelatedToDeferredCompensationPlan" name="UnrecognizedNetLossRelatedToDeferredCompensationPlan" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_UnrecognizedTaxBenefitRelatedtoLossonInvestmentinSeniorHealth" name="UnrecognizedTaxBenefitRelatedtoLossonInvestmentinSeniorHealth" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_UnrecognizedTaxBenefitonTaxCreditCarryforward" name="UnrecognizedTaxBenefitonTaxCreditCarryforward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_UnrecognizedTaxBenefitsOnOperatingLossCarryforwards" name="UnrecognizedTaxBenefitsOnOperatingLossCarryforwards" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_UnrecognizedTaxBenefitsonTotalLossCarryforwards" name="UnrecognizedTaxBenefitsonTotalLossCarryforwards" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_ValuationAllowanceDeferredTaxAssetChangeinAmountDecreaseinProjectedFutureTaxableIncomeasResultofSaleofSubsidiary" name="ValuationAllowanceDeferredTaxAssetChangeinAmountDecreaseinProjectedFutureTaxableIncomeasResultofSaleofSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_ValuationAllowanceDeferredTaxAssetChangeinAmountGainonSaleofSubsidiary" name="ValuationAllowanceDeferredTaxAssetChangeinAmountGainonSaleofSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_ValuationAllowanceDeferredTaxAssetChangeinAmountUtilizationofCapitalLossCarryforwards" name="ValuationAllowanceDeferredTaxAssetChangeinAmountUtilizationofCapitalLossCarryforwards" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_VariableInterestEntitiesFairValueByContractualMaturityTableTextBlock" name="VariableInterestEntitiesFairValueByContractualMaturityTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cno_VariableInterestEntitiesInvestmentsSold" name="VariableInterestEntitiesInvestmentsSold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_VariableInterestEntitiesNetGainsLossesFromSaleOfFixedMaturityInvestments" name="VariableInterestEntitiesNetGainsLossesFromSaleOfFixedMaturityInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_VariableInterestEntitiesNetRealizedGainLossOnInvestments" name="VariableInterestEntitiesNetRealizedGainLossOnInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cno_VariableInterestEntityAccruedInvestmentIncome" name="VariableInterestEntityAccruedInvestmentIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityAmortizedCostSecuritiesHeld" name="VariableInterestEntityAmortizedCostSecuritiesHeld" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityFixedMaturitySecuritiesFairValue" name="VariableInterestEntityFixedMaturitySecuritiesFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityGrossUnrealizedGainsFixedMaturitySecurities" name="VariableInterestEntityGrossUnrealizedGainsFixedMaturitySecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityGrossUnrealizedLossesFixedMaturitySecurities" name="VariableInterestEntityGrossUnrealizedLossesFixedMaturitySecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityIncomeTaxAssetsNet" name="VariableInterestEntityIncomeTaxAssetsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityInvestmentsDueAfterFiveYearsThroughTenYears" name="VariableInterestEntityInvestmentsDueAfterFiveYearsThroughTenYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityInvestmentsDueAfterOneYearThroughFiveYears" name="VariableInterestEntityInvestmentsDueAfterOneYearThroughFiveYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityInvestmentsDueInOneYearOrLess" name="VariableInterestEntityInvestmentsDueInOneYearOrLess" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityInvestmentsGrossInvestmentLossesFromSaleBeforeTax" name="VariableInterestEntityInvestmentsGrossInvestmentLossesFromSaleBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cno_VariableInterestEntityNotesPayableHeldByInsuranceSubsidiaries" name="VariableInterestEntityNotesPayableHeldByInsuranceSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityNotesReceivableHeldByInsuranceSubsidiaries" name="VariableInterestEntityNotesReceivableHeldByInsuranceSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityOtherAssets" name="VariableInterestEntityOtherAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cno_VariableInterestEntityOtherLiabilities" name="VariableInterestEntityOtherLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cno_ViesMember" name="ViesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_WashingtonNationalMember" name="WashingtonNationalMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_WeightedAverageLoanToValueRatioAxis" name="WeightedAverageLoanToValueRatioAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_WeightedAverageLoanToValueRatioDomain" name="WeightedAverageLoanToValueRatioDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cno_WiltonReassuranceCompanyMember" name="WiltonReassuranceCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>


