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| <link:usedOn> link:definitionLink </link:usedOn> |
| </link:roleType> |
| | | </xs:appinfo> |
| | </xs:annotation> |
| <xs:import namespace="http://fasb.org/us-gaap/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd"/> |
| <xs:import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd"/> |
| <xs:import namespace="http://xbrl.sec.gov/country/2023" schemaLocation="https://xbrl.sec.gov/country/2023/country-2023.xsd"/> |
| <xs:import namespace="http://xbrl.sec.gov/currency/2023" schemaLocation="https://xbrl.sec.gov/currency/2023/currency-2023.xsd"/> |
| <xs:import namespace="http://xbrl.sec.gov/exch/2023" schemaLocation="https://xbrl.sec.gov/exch/2023/exch-2023.xsd"/> |
| <xs:import namespace="http://xbrl.sec.gov/naics/2023" schemaLocation="https://xbrl.sec.gov/naics/2023/naics-2023.xsd"/> |
| <xs:import namespace="http://xbrl.sec.gov/sic/2023" schemaLocation="https://xbrl.sec.gov/sic/2023/sic-2023.xsd"/> |
| <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/> |
| <xs:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd"/> |
| <xs:import namespace="http://xbrl.sec.gov/stpr/2023" schemaLocation="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd"/> |
| <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/> |
| <xs:import namespace="http://www.xbrl.org/2004/ref" schemaLocation="http://www.xbrl.org/2004/ref-2004-08-10.xsd"/> |
| <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/> |
| <xs:import namespace="http://fasb.org/us-types/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd"/> |
| <xs:import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd"/> |
| <xs:import namespace="http://fasb.org/srt/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd"/> |
| <xs:import namespace="http://fasb.org/srt-types/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd"/> |
| <xs:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/> |
| <xs:import namespace="http://xbrl.sec.gov/ecd/2023" schemaLocation="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd"/> |
| <xs:element name="ProceedsFromSaleOfMarketableSecuritiesAndPolicyLoans" id="aame_ProceedsFromSaleOfMarketableSecuritiesAndPolicyLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit"/> |
| <xs:element name="ProceedsFromMaturityPrepaymentsAndCallsOfAvailableForSaleFixedMaturitySecurities" id="aame_ProceedsFromMaturityPrepaymentsAndCallsOfAvailableForSaleFixedMaturitySecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit"/> |
| <xs:element name="AmortizationOfRestrictedStock" id="aame_AmortizationOfRestrictedStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit"/> |
| <xs:element name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedPaymentArrangementAndClubDuesAmount" id="aame_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedPaymentArrangementAndClubDuesAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit"/> |
| <xs:element name="IncomeTaxReconciliationNondeductibleExpenseParkingDisallowance" id="aame_IncomeTaxReconciliationNondeductibleExpenseParkingDisallowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit"/> |
| <xs:element name="EffectiveIncomeTaxRateReconciliationNondeductibleExpensePenaltiesAndFines" id="aame_EffectiveIncomeTaxRateReconciliationNondeductibleExpensePenaltiesAndFines" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit"/> |
| <xs:element name="PeriodOfAdditionalRenewalTerm" id="aame_PeriodOfAdditionalRenewalTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="PeriodOfInitialTermsOfArrangement" id="aame_PeriodOfInitialTermsOfArrangement" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="CommissionsAndUnderwritingExpenses" id="aame_CommissionsAndUnderwritingExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit"/> |
| <xs:element name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAndAccumulatedLossAbstract" id="aame_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAndAccumulatedLossAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="NumberOfStatutoryBusinessTrusts" id="aame_NumberOfStatutoryBusinessTrusts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="FinancialStructureOfStatutoryBusinessTrustsAbstract" id="aame_FinancialStructureOfStatutoryBusinessTrustsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="LiquidationPreferencePerTrustPreferredSecurity" id="aame_LiquidationPreferencePerTrustPreferredSecurity" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant"/> |
| <xs:element name="TreasuryDebt" id="aame_TreasuryDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit"/> |
| <xs:element name="NumberOfConsecutiveQuartersInterestPaymentsCanBeDeferred" id="aame_NumberOfConsecutiveQuartersInterestPaymentsCanBeDeferred" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="TrustPreferredSecuritiesDistributionPayable" id="aame_TrustPreferredSecuritiesDistributionPayable" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="DebtInstrumentRedeemableByIssuer" id="aame_DebtInstrumentRedeemableByIssuer" type="us-types:yesNoItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="DebtInstrumentTermOfVariableRate" id="aame_DebtInstrumentTermOfVariableRate" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="AtlanticAmericanStatutoryTrustIIMember" id="aame_AtlanticAmericanStatutoryTrustIIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="AtlanticAmericanStatutoryTrustIMember" id="aame_AtlanticAmericanStatutoryTrustIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="LiquidationValueTrustPreferredSecurities" id="aame_LiquidationValueTrustPreferredSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit"/> |
| <xs:element name="TrustPreferredSecuritiesDistributionGuaranteedBy" id="aame_TrustPreferredSecuritiesDistributionGuaranteedBy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="TrustPreferredSecuritiesIssued" id="aame_TrustPreferredSecuritiesIssued" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant"/> |
| <xs:element name="LondonInterbankOfferedRateMember" id="aame_LondonInterbankOfferedRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="RealizedGainOnInvestment" id="aame_RealizedGainOnInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit"/> |
| <xs:element name="RealizedLossesOnInvestments" id="aame_RealizedLossesOnInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit"/> |
| <xs:element name="UnrealizedGainLossOnEquityInvestmentsTableTextBlock" id="aame_UnrealizedGainLossOnEquityInvestmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="BankersFidelityMember" id="aame_BankersFidelityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="AmericanSouthernMember" id="aame_AmericanSouthernMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="VariableInterestEntityCommitments" id="aame_VariableInterestEntityCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit"/> |
| <xs:element name="DeferredIncomeTaxAssetsNetWithoutJurisdictionalNetting" id="aame_DeferredIncomeTaxAssetsNetWithoutJurisdictionalNetting" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit"/> |
| <xs:element name="LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpenseAndOtherPolicyholderFunds" id="aame_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpenseAndOtherPolicyholderFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit"/> |
| <xs:element name="InsuranceReservesAndPolicyholderFundAbstract" id="aame_InsuranceReservesAndPolicyholderFundAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="ScheduleOfInvestmentsAggregatedByTypeAndIndustryAbstract" id="aame_ScheduleOfInvestmentsAggregatedByTypeAndIndustryAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="EquitySecuritiesFvNiUnrealizedGainBeforeTax" id="aame_EquitySecuritiesFvNiUnrealizedGainBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit"/> |
| <xs:element name="EquitySecuritiesFvNiUnrealizedLossBeforeTax" id="aame_EquitySecuritiesFvNiUnrealizedLossBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit"/> |
| <xs:element name="CommonStockAndNonredeemablePreferredStockMember" id="aame_CommonStockAndNonredeemablePreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="CommercialSectorMember" id="aame_CommercialSectorMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="IndustrialSectorMember" id="aame_IndustrialSectorMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="OtherInvestedAssetsCost" id="aame_OtherInvestedAssetsCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit"/> |
| <xs:element name="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearThree" id="aame_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearThree" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit"/> |
| <xs:element name="LeaseTwoMember" id="aame_LeaseTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="NumberOfOperatingLeaseAgreements" id="aame_NumberOfOperatingLeaseAgreements" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="AdditionalInformationRelatedToOperatingLeasesTableTextBlock" id="aame_AdditionalInformationRelatedToOperatingLeasesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="InvestmentsEquitySecuritiesAbstract" id="aame_InvestmentsEquitySecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="DebtInterestInterestRateFloor" id="aame_DebtInterestInterestRateFloor" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="ReconciliationOfTotalIncurredClaimsToTotalInsuranceBenefitsAndLossesTableTextBlock" id="aame_ReconciliationOfTotalIncurredClaimsToTotalInsuranceBenefitsAndLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| <xs:element name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseReinsuranceRecoverablesBeginningOfYear" id="aame_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseReinsuranceRecoverablesBeginningOfYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit"/> |
| <xs:element name="ChangeInCashSurrenderValueAndMaturedEndowments" id="aame_ChangeInCashSurrenderValueAndMaturedEndowments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit"/> |
| <xs:element name="PolicyholderBenefitsAndClaimsIncurredBeforeAdjustments" id="aame_PolicyholderBenefitsAndClaimsIncurredBeforeAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit"/> |
| <xs:element name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseReinsuranceRecoverablesAddition" id="aame_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseReinsuranceRecoverablesAddition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit"/> |
| <xs:element name="LiabilityForUnpaidClaimsAndAdjustmentExpenseToClaimsIncurredClaimsCurrentYear" id="aame_LiabilityForUnpaidClaimsAndAdjustmentExpenseToClaimsIncurredClaimsCurrentYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit"/> |
| <xs:element name="LiabilityForUnpaidClaimsAndAdjustmentExpenseToClaimsIncurredClaimsPriorYears" id="aame_LiabilityForUnpaidClaimsAndAdjustmentExpenseToClaimsIncurredClaimsPriorYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit"/> |
| <xs:element name="FinancialInstrumentsFinancialAssetsAndFinancialLiabilitiesBalanceSheetGroupingsAbstract" id="aame_FinancialInstrumentsFinancialAssetsAndFinancialLiabilitiesBalanceSheetGroupingsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration"/> |
| <xs:element name="LoansInsurancePolicyFairValueDisclosure" id="aame_LoansInsurancePolicyFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit"/> |
| <xs:element name="OtherInvestmentsFairValueDisclosure" id="aame_OtherInvestmentsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit"/> |
| <xs:element name="ScheduleOfFinancialStructureOfStatutoryBusinessTrustsTableTextBlock" id="aame_ScheduleOfFinancialStructureOfStatutoryBusinessTrustsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration"/> |
| </xs:schema> |