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  <xsd:element abstract="true" id="bhf_ExpirationPeriodForIndefiniteNumberOfYearsByDeferredTaxAssetMember" name="ExpirationPeriodForIndefiniteNumberOfYearsByDeferredTaxAssetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ExpirationPeriodFourthFourYearsByDeferredTaxAssetMember" name="ExpirationPeriodFourthFourYearsByDeferredTaxAssetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ExpirationPeriodSecondFourYearsByDeferredTaxAssetMember" name="ExpirationPeriodSecondFourYearsByDeferredTaxAssetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ExpirationPeriodThirdFourYearsByDeferredTaxAssetMember" name="ExpirationPeriodThirdFourYearsByDeferredTaxAssetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="bhf_FairValueOptionGeneralAccountSecuritiesMember" name="FairValueOptionGeneralAccountSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_FarmerMacFundingAgreementsMember" name="FarmerMacFundingAgreementsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element id="bhf_FixedMaturitiesAvailableForSaleWithGrossUnrealizedLossOfEqualToOrGreaterThanStatedPercentage" name="FixedMaturitiesAvailableForSaleWithGrossUnrealizedLossOfEqualToOrGreaterThanStatedPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
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  <xsd:element id="bhf_GainsLossesOnSalesOfOtherLimitedPartnerships" name="GainsLossesOnSalesOfOtherLimitedPartnerships" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_IncomeTaxExpenseOnChangeInUnrealizedGainOrLoss" name="IncomeTaxExpenseOnChangeInUnrealizedGainOrLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="bhf_InsuranceLiabilitiesBySegmentTable" name="InsuranceLiabilitiesBySegmentTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_InsuranceLiabilitiesComprisedOfFuturePolicyBenefitsPolicyholderAccountBalancesAndOtherPolicyRelatedBalances" name="InsuranceLiabilitiesComprisedOfFuturePolicyBenefitsPolicyholderAccountBalancesAndOtherPolicyRelatedBalances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element id="bhf_InsuranceLiabilitiesTableTextBlock" name="InsuranceLiabilitiesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="bhf_InterestCreditedToPolicyholderAccountBalancesAbstract" name="InterestCreditedToPolicyholderAccountBalancesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_InvestedAssetsPledgedAsCollateral" name="InvestedAssetsPledgedAsCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element id="bhf_LoansAndLeasesReceivableConsumerMortgagePercentage" name="LoansAndLeasesReceivableConsumerMortgagePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_LoansAndLeasesReceivableNumberOfContractNonperformingNonaccrualOfInterest" name="LoansAndLeasesReceivableNumberOfContractNonperformingNonaccrualOfInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
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  <xsd:element abstract="true" id="bhf_MrscCollateralFinancingArrangementMember" name="MrscCollateralFinancingArrangementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_NetAmountAtRiskByProductAndGuaranteeGeneralAndSeparateAccountValue" name="NetAmountAtRiskByProductAndGuaranteeGeneralAndSeparateAccountValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_NetCededandAssumedLiabilitiesForGuaranteesMember" name="NetCededandAssumedLiabilitiesForGuaranteesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_NetChangeInOtherInvestedAssets" name="NetChangeInOtherInvestedAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_NetChangeInPayablesForCollateralUnderSecuritiesLoanedAndOtherTransactions" name="NetChangeInPayablesForCollateralUnderSecuritiesLoanedAndOtherTransactions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_NetDerivativeGainLossMember" name="NetDerivativeGainLossMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="bhf_NetIncomeAvailableToCommonShareholdersPerCommonShare" name="NetIncomeAvailableToCommonShareholdersPerCommonShare" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_NetLiabilitiesForGuaranteesMember" name="NetLiabilitiesForGuaranteesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLoss" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAllocatedFromDacAndVoba" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAllocatedFromDacAndVoba" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAllocatedFromInsuranceLiabilityLossRecognition" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAllocatedFromInsuranceLiabilityLossRecognition" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAttributableToCompany" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAttributableToCompany" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDebtSecuritiesThatWereTemporarilyImpaired" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDebtSecuritiesThatWereTemporarilyImpaired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDeferredIncomeTaxBenefitExpense" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDeferredIncomeTaxBenefitExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDerivatives" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDerivatives" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToEquitySecurities" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToEquitySecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element abstract="true" id="bhf_NonRecourseDebtDue2030Member" name="NonRecourseDebtDue2030Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_NoncashContributionMember" name="NoncashContributionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_NonperformanceRiskMember" name="NonperformanceRiskMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_OffsettingAssetsAndLiabilitiesTableTextBlock" name="OffsettingAssetsAndLiabilitiesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_OtherComprehensiveIncomeLossNetofTaxnotincludingchangeinaccountingprinciple" name="OtherComprehensiveIncomeLossNetofTaxnotincludingchangeinaccountingprinciple" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bhf_OtherIncomeCeded" name="OtherIncomeCeded" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_OtherIncomeDirect" name="OtherIncomeDirect" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_OtherInvestedAssetsMember" name="OtherInvestedAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_OtherInvestmentsFairValueDisclosure" name="OtherInvestmentsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bhf_OtherLimitedPartnershipInterestsFairValueDisclosure" name="OtherLimitedPartnershipInterestsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bhf_OtherPolicyRelatedBalances" name="OtherPolicyRelatedBalances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_OtherShareBasedMember" name="OtherShareBasedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_OtherThanTemporaryImpairmentsOnDebtSecuritiesTransferredToOtherComprehensiveIncomeLoss" name="OtherThanTemporaryImpairmentsOnDebtSecuritiesTransferredToOtherComprehensiveIncomeLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bhf_OutstandingFundingAgreementsToCertainSpecialPurposeEntities" name="OutstandingFundingAgreementsToCertainSpecialPurposeEntities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_PWLMember" name="PWLMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ParentpercentageMember" name="ParentpercentageMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ParentshareholderspercentageMember" name="ParentshareholderspercentageMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_Paymentsofcreditfacilityfees" name="Paymentsofcreditfacilityfees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_PercentageEstimatedFairValue" name="PercentageEstimatedFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfAllowanceForLoanAndLeaseLossesRealEstateToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfAllowanceForLoanAndLeaseLossesRealEstateToMortgageLoansOnRealEstateCommercialAndConsumerNet" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfLoansAndLeasesReceivableConsumerMortgageToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfLoansAndLeasesReceivableConsumerMortgageToMortgageLoansOnRealEstateCommercialAndConsumerNet" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfLoansReceivableCommercialAgriculturalToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfLoansReceivableCommercialAgriculturalToMortgageLoansOnRealEstateCommercialAndConsumerNet" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfLoansReceivableCommercialMortgageToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfLoansReceivableCommercialMortgageToMortgageLoansOnRealEstateCommercialAndConsumerNet" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfMortgageLoansClassifiedAsPerforming" name="PercentageOfMortgageLoansClassifiedAsPerforming" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfMortgageLoansHeldForInvestmentToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfMortgageLoansHeldForInvestmentToMortgageLoansOnRealEstateCommercialAndConsumerNet" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfMortgageLoansOnRealEstateToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfMortgageLoansOnRealEstateToMortgageLoansOnRealEstateCommercialAndConsumerNet" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfParticipatingWholeLifeInsurancePolicies" name="PercentageOfParticipatingWholeLifeInsurancePolicies" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfUSTreasuryAndAgencySecuritiesAtEstimatedFairValueOfSecuritiesOnLoanRelatingToCashCollateralOnOpen" name="PercentageOfUSTreasuryAndAgencySecuritiesAtEstimatedFairValueOfSecuritiesOnLoanRelatingToCashCollateralOnOpen" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageofReinvestmentPortfolioinFixedMaturitySecurities" name="PercentageofReinvestmentPortfolioinFixedMaturitySecurities" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_Percentofcashsavingsincludedintaxreceivableagreement" name="Percentofcashsavingsincludedintaxreceivableagreement" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_PerformanceFactor" name="PerformanceFactor" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_PerformanceShareUnitsAbstract" name="PerformanceShareUnitsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_PolicyholderAccountBalancesMember" name="PolicyholderAccountBalancesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_PolicyholderBenefitAndClaimMember" name="PolicyholderBenefitAndClaimMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_PolicyholderBenefitsAndClaimsIncurredNetMember" name="PolicyholderBenefitsAndClaimsIncurredNetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_PolicyholderContractDepositsFairValueDisclosure" name="PolicyholderContractDepositsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_PremiumsEarnedAbstract" name="PremiumsEarnedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_PresentValueOfFutureInsuranceProfitsAmortizationExpenseOtherExpenses" name="PresentValueOfFutureInsuranceProfitsAmortizationExpenseOtherExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bhf_ProceedsFromSalesOrDisposalsOfFixedMaturityAndEquitySecuritiesAndComponentsOfFixedMaturityAndEquitySecuritiesNetInvestmentGainsAndLossesTableTextBlock" name="ProceedsFromSalesOrDisposalsOfFixedMaturityAndEquitySecuritiesAndComponentsOfFixedMaturityAndEquitySecuritiesNetInvestmentGainsAndLossesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_QuotaShareReinsuranceForCertainDisabilityBusinessMember" name="QuotaShareReinsuranceForCertainDisabilityBusinessMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_RecaptureMLUSMember" name="RecaptureMLUSMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ReceivablesMember" name="ReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_Reductionofotherinvestedassetsinconnectionwithreinsurancetransactions" name="Reductionofotherinvestedassetsinconnectionwithreinsurancetransactions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_Reductionofpolicyholderaccountbalancesinconnectionwithareinsurancetransactions" name="Reductionofpolicyholderaccountbalancesinconnectionwithareinsurancetransactions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ReinsuranceMember" name="ReinsuranceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_ReinsuranceRecoverablesCeded" name="ReinsuranceRecoverablesCeded" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_RelatedPartyLoanOneMember" name="RelatedPartyLoanOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_RelatedPartyLoanTwoMember" name="RelatedPartyLoanTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_RelatedPartyTransactionNarrativeAbstract" name="RelatedPartyTransactionNarrativeAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_Remainingassetsheldintrustpledgedascollateral" name="Remainingassetsheldintrustpledgedascollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_ResidentialMortgageLoansByCreditQualityIndicatorAbstract" name="ResidentialMortgageLoansByCreditQualityIndicatorAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_RestrictedStockUnitsRSUsFoundersGrantMember" name="RestrictedStockUnitsRSUsFoundersGrantMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_RunoffMember" name="RunoffMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_SPDARecaptureMember" name="SPDARecaptureMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ScheduleOfEffectOfReinsuranceOnIncomeStatementTable" name="ScheduleOfEffectOfReinsuranceOnIncomeStatementTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ScheduleOfSecuritiesByDurationAxis" name="ScheduleOfSecuritiesByDurationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ScheduleOfSecuritiesByPercentAxis" name="ScheduleOfSecuritiesByPercentAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_SecondaryGuaranteesMember" name="SecondaryGuaranteesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_SecuritiesByDurationDomain" name="SecuritiesByDurationDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_SecuritiesByPercentDomain" name="SecuritiesByPercentDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_SecuritiesLendingReinvestmentPortfolioEstimatedFairValue" name="SecuritiesLendingReinvestmentPortfolioEstimatedFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_SeparateAccountAssetsMember" name="SeparateAccountAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_SettlementPaymentsByHedgeClassificationAndIncomeStatementLocationTableTextBlock" name="SettlementPaymentsByHedgeClassificationAndIncomeStatementLocationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ShareholdersnetinvestmentMember" name="ShareholdersnetinvestmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_SixMonthsOrGreaterMember" name="SixMonthsOrGreaterMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_StockOptionsAbstract" name="StockOptionsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_StockholdersCompensationAbstract" name="StockholdersCompensationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_StructuredSecuritiesMember" name="StructuredSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_SupplementaryInsuranceInformationFuturePolicyBenefitsOtherPolicyRelatedBalancesAndPolicyholderDividendObligation" name="SupplementaryInsuranceInformationFuturePolicyBenefitsOtherPolicyRelatedBalancesAndPolicyholderDividendObligation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_SupplementaryInsuranceInformationPremiumRevenueAndPolicyCharges" name="SupplementaryInsuranceInformationPremiumRevenueAndPolicyCharges" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_SupplementaryInsuranceInformationUnearnedRevenue" name="SupplementaryInsuranceInformationUnearnedRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_TermLoanDue2019Member" name="TermLoanDue2019Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_TermLoanDue2024Member" name="TermLoanDue2024Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_TransferofShortTermInvestmentsFromAffiliates" name="TransferofShortTermInvestmentsFromAffiliates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bhf_TransfersOfFinancialAssetsAccountedForAsSaleAmortizedCostOfAssetsObtainedAsProceeds" name="TransfersOfFinancialAssetsAccountedForAsSaleAmortizedCostOfAssetsObtainedAsProceeds" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bhf_TransfersofMortgageLoansFromAffiliates" name="TransfersofMortgageLoansFromAffiliates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bhf_TransitionServicesAgreements" name="TransitionServicesAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_TwentyPercentOrMoreMember" name="TwentyPercentOrMoreMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_UnfundedCommitmentsForInvestmentsAccountedForUnderEquityMethod" name="UnfundedCommitmentsForInvestmentsAccountedForUnderEquityMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_UniversalAndVariableLifeContractsMember" name="UniversalAndVariableLifeContractsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ValueOfDistributionAgreementsAndValueOfCustomerRelationshipsAcquiredIntangibleAssetMember" name="ValueOfDistributionAgreementsAndValueOfCustomerRelationshipsAcquiredIntangibleAssetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_VariableAnnuityAndVariableLifeMember" name="VariableAnnuityAndVariableLifeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
