<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019e07fc-3b35-7221-ad67-5a5f9c15b343,g:91453a8e-3523-445f-b521-2829b3edda4c-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item"/>
  <link:roleRef roleURI="http://www.brighthousefinancial.com/role/ConsolidatedBalanceSheetsUnaudited" xlink:type="simple" xlink:href="bhf-20260630.xsd#ConsolidatedBalanceSheetsUnaudited"/>
  <link:calculationLink xlink:role="http://www.brighthousefinancial.com/role/ConsolidatedBalanceSheetsUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019e07fc-4261-7ccd-8328-a4a2faa9148a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_019e07fc-4261-75c6-989f-f2ba23116a82" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Investments"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e07fc-4261-7ccd-8328-a4a2faa9148a" xlink:to="loc_us-gaap_Investments_019e07fc-4261-75c6-989f-f2ba23116a82" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e07fc-4261-74b4-ada2-6030e5933405" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e07fc-4261-7ccd-8328-a4a2faa9148a" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e07fc-4261-74b4-ada2-6030e5933405" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedInvestmentIncomeReceivable_019e07fc-4261-70d3-9190-2e78e9d2acb5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedInvestmentIncomeReceivable"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e07fc-4261-7ccd-8328-a4a2faa9148a" xlink:to="loc_us-gaap_AccruedInvestmentIncomeReceivable_019e07fc-4261-70d3-9190-2e78e9d2acb5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsAndOtherReceivablesNet_019e07fc-4261-7975-b1da-f7635d7083e9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PremiumsAndOtherReceivablesNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e07fc-4261-7ccd-8328-a4a2faa9148a" xlink:to="loc_us-gaap_PremiumsAndOtherReceivablesNet_019e07fc-4261-7975-b1da-f7635d7083e9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired_019e07fc-4261-7fe3-88a9-88242adf9e98" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e07fc-4261-7ccd-8328-a4a2faa9148a" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired_019e07fc-4261-7fe3-88a9-88242adf9e98" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReceivable_019e07fc-4261-7236-ad50-ea685f105407" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxReceivable"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e07fc-4261-7ccd-8328-a4a2faa9148a" xlink:to="loc_us-gaap_IncomeTaxReceivable_019e07fc-4261-7236-ad50-ea685f105407" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_019e07fc-4261-7add-9f7e-fa1a8a272d8b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e07fc-4261-7ccd-8328-a4a2faa9148a" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_019e07fc-4261-7add-9f7e-fa1a8a272d8b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketRiskBenefitAssetAmount_019e07fc-4261-735c-88b6-8fb0b345b77a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MarketRiskBenefitAssetAmount"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e07fc-4261-7ccd-8328-a4a2faa9148a" xlink:to="loc_us-gaap_MarketRiskBenefitAssetAmount_019e07fc-4261-735c-88b6-8fb0b345b77a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019e07fc-4261-7ea5-8522-f8a6f12a47e4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e07fc-4261-7ccd-8328-a4a2faa9148a" xlink:to="loc_us-gaap_OtherAssets_019e07fc-4261-7ea5-8522-f8a6f12a47e4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeparateAccountAssets_019e07fc-4261-7c1b-b673-860eb67acc87" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeparateAccountAssets"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e07fc-4261-7ccd-8328-a4a2faa9148a" xlink:to="loc_us-gaap_SeparateAccountAssets_019e07fc-4261-7c1b-b673-860eb67acc87" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e07fc-4261-7e27-ae9a-4d94dd47655a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019e07fc-4261-776a-be9c-4f7e31ea8f51" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e07fc-4261-7e27-ae9a-4d94dd47655a" xlink:to="loc_us-gaap_Liabilities_019e07fc-4261-776a-be9c-4f7e31ea8f51" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e07fc-4261-7aaf-8050-98ef5cf2396e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e07fc-4261-7e27-ae9a-4d94dd47655a" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e07fc-4261-7aaf-8050-98ef5cf2396e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e07fc-4261-75d6-b97b-31958aab605c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019e07fc-4261-72ed-be61-65bf9bc9add9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e07fc-4261-75d6-b97b-31958aab605c" xlink:to="loc_us-gaap_PreferredStockValue_019e07fc-4261-72ed-be61-65bf9bc9add9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019e07fc-4261-72cb-ad5e-d3d9d9d9caeb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e07fc-4261-75d6-b97b-31958aab605c" xlink:to="loc_us-gaap_CommonStockValue_019e07fc-4261-72cb-ad5e-d3d9d9d9caeb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_019e07fc-4261-7c02-93eb-4345bedecb0f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e07fc-4261-75d6-b97b-31958aab605c" xlink:to="loc_us-gaap_AdditionalPaidInCapital_019e07fc-4261-7c02-93eb-4345bedecb0f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e07fc-4261-7a74-94aa-1943505ae375" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e07fc-4261-75d6-b97b-31958aab605c" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e07fc-4261-7a74-94aa-1943505ae375" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValue_019e07fc-4261-7e00-9bb6-8d79bec5c0da" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TreasuryStockValue"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e07fc-4261-75d6-b97b-31958aab605c" xlink:to="loc_us-gaap_TreasuryStockValue_019e07fc-4261-7e00-9bb6-8d79bec5c0da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e07fc-4261-7f93-9677-c1e81af861d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e07fc-4261-75d6-b97b-31958aab605c" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e07fc-4261-7f93-9677-c1e81af861d8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_019e07fc-4261-7cce-8027-9dffb4d88175" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Investments"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e07fc-4261-7110-b076-3e485db727f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019e07fc-4261-7cce-8027-9dffb4d88175" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e07fc-4261-7110-b076-3e485db727f6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_019e07fc-4261-76c9-b212-9b18e7a593c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019e07fc-4261-7cce-8027-9dffb4d88175" xlink:to="loc_us-gaap_TradingSecuritiesDebt_019e07fc-4261-76c9-b212-9b18e7a593c8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019e07fc-4261-7622-8ad7-f52939d2cc2c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019e07fc-4261-7cce-8027-9dffb4d88175" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019e07fc-4261-7622-8ad7-f52939d2cc2c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_019e07fc-4261-79f7-9f8b-875fbe26a8d7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019e07fc-4261-7cce-8027-9dffb4d88175" xlink:to="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_019e07fc-4261-79f7-9f8b-875fbe26a8d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansInsurancePolicy_019e07fc-4261-7c69-9b07-a979a256fff5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansInsurancePolicy"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019e07fc-4261-7cce-8027-9dffb4d88175" xlink:to="loc_us-gaap_LoansInsurancePolicy_019e07fc-4261-7c69-9b07-a979a256fff5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateInvestments_019e07fc-4261-7e6e-8c61-ec61b096be9a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RealEstateInvestments"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019e07fc-4261-7cce-8027-9dffb4d88175" xlink:to="loc_us-gaap_RealEstateInvestments_019e07fc-4261-7e6e-8c61-ec61b096be9a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherShortTermInvestments_019e07fc-4261-72b0-b5da-bcdf2cdcfa13" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherShortTermInvestments"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019e07fc-4261-7cce-8027-9dffb4d88175" xlink:to="loc_us-gaap_OtherShortTermInvestments_019e07fc-4261-72b0-b5da-bcdf2cdcfa13" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestments_019e07fc-4261-7b7d-8edd-99fc931cc3df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherInvestments"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019e07fc-4261-7cce-8027-9dffb4d88175" xlink:to="loc_us-gaap_OtherInvestments_019e07fc-4261-7b7d-8edd-99fc931cc3df" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e07fc-4261-7a0c-bfd3-540a5658c41a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e07fc-4261-7010-b3fa-0abc5b7ced47" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e07fc-4261-7a0c-bfd3-540a5658c41a" xlink:to="loc_us-gaap_StockholdersEquity_019e07fc-4261-7010-b3fa-0abc5b7ced47" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest_019e07fc-4261-77be-9cab-d47cd9d2c70d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MinorityInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e07fc-4261-7a0c-bfd3-540a5658c41a" xlink:to="loc_us-gaap_MinorityInterest_019e07fc-4261-77be-9cab-d47cd9d2c70d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019e07fc-4261-745a-b514-ec44a79b6256" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance_019e07fc-4261-71c6-943b-751164d1b7fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e07fc-4261-745a-b514-ec44a79b6256" xlink:to="loc_us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance_019e07fc-4261-71c6-943b-751164d1b7fd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderContractDeposits_019e07fc-4261-78c4-8124-cfa200563a36" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderContractDeposits"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e07fc-4261-745a-b514-ec44a79b6256" xlink:to="loc_us-gaap_PolicyholderContractDeposits_019e07fc-4261-78c4-8124-cfa200563a36" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketRiskBenefitLiabilityAmount_019e07fc-4261-706a-a1e4-eb62510e422b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MarketRiskBenefitLiabilityAmount"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e07fc-4261-745a-b514-ec44a79b6256" xlink:to="loc_us-gaap_MarketRiskBenefitLiabilityAmount_019e07fc-4261-706a-a1e4-eb62510e422b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherPolicyholderFunds_019e07fc-4261-723e-b953-9d48a588cba5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherPolicyholderFunds"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e07fc-4261-745a-b514-ec44a79b6256" xlink:to="loc_us-gaap_OtherPolicyholderFunds_019e07fc-4261-723e-b953-9d48a588cba5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ObligationToReturnSecuritiesReceivedAsCollateral_019e07fc-4261-7bcf-b1a2-0872c9b4a001" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ObligationToReturnSecuritiesReceivedAsCollateral"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e07fc-4261-745a-b514-ec44a79b6256" xlink:to="loc_us-gaap_ObligationToReturnSecuritiesReceivedAsCollateral_019e07fc-4261-7bcf-b1a2-0872c9b4a001" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_019e07fc-4261-78fa-a96c-7bb1941224f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebt"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e07fc-4261-745a-b514-ec44a79b6256" xlink:to="loc_us-gaap_LongTermDebt_019e07fc-4261-78fa-a96c-7bb1941224f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_019e07fc-4261-7069-a1fd-5205de40aabd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e07fc-4261-745a-b514-ec44a79b6256" xlink:to="loc_us-gaap_OtherLiabilities_019e07fc-4261-7069-a1fd-5205de40aabd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeparateAccountsLiability_019e07fc-4261-74fc-9d24-2fe8758a9326" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeparateAccountsLiability"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e07fc-4261-745a-b514-ec44a79b6256" xlink:to="loc_us-gaap_SeparateAccountsLiability_019e07fc-4261-74fc-9d24-2fe8758a9326" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.brighthousefinancial.com/role/ConsolidatedStatementsofOperationsandComprehensiveIncomeUnaudited" xlink:type="simple" xlink:href="bhf-20260630.xsd#ConsolidatedStatementsofOperationsandComprehensiveIncomeUnaudited"/>
  <link:calculationLink xlink:role="http://www.brighthousefinancial.com/role/ConsolidatedStatementsofOperationsandComprehensiveIncomeUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_019e07fc-4261-712d-a3e5-85e09b56c73f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_019e07fc-4261-719b-9135-c331c4ff99b4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019e07fc-4261-712d-a3e5-85e09b56c73f" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_019e07fc-4261-719b-9135-c331c4ff99b4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestCreditedToPolicyholdersAccountBalances_019e07fc-4261-7ad3-b071-b4dbeaf103f0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestCreditedToPolicyholdersAccountBalances"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019e07fc-4261-712d-a3e5-85e09b56c73f" xlink:to="loc_us-gaap_InterestCreditedToPolicyholdersAccountBalances_019e07fc-4261-7ad3-b071-b4dbeaf103f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization1_019e07fc-4261-72cf-83dc-7c538756a3eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization1"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019e07fc-4261-712d-a3e5-85e09b56c73f" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization1_019e07fc-4261-72cf-83dc-7c538756a3eb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketRiskBenefitChangeInFairValueGainLoss_019e07fc-4261-79c1-acb6-7edc44cdc9de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MarketRiskBenefitChangeInFairValueGainLoss"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019e07fc-4261-712d-a3e5-85e09b56c73f" xlink:to="loc_us-gaap_MarketRiskBenefitChangeInFairValueGainLoss_019e07fc-4261-79c1-acb6-7edc44cdc9de" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_019e07fc-4261-7937-874f-2fe8ed6c6971" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingExpenses"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019e07fc-4261-712d-a3e5-85e09b56c73f" xlink:to="loc_us-gaap_OperatingExpenses_019e07fc-4261-7937-874f-2fe8ed6c6971" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e07fc-4261-71e0-b0ab-141568bf7e71" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e07fc-4261-79d0-9a08-a8ef3406414e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e07fc-4261-71e0-b0ab-141568bf7e71" xlink:to="loc_us-gaap_NetIncomeLoss_019e07fc-4261-79d0-9a08-a8ef3406414e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019e07fc-4261-79e9-aa34-8a89742901c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e07fc-4261-71e0-b0ab-141568bf7e71" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019e07fc-4261-79e9-aa34-8a89742901c4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019e07fc-4261-786c-a415-91c5611428b3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e07fc-4261-7f03-b1e3-a30b2270f672" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_019e07fc-4261-786c-a415-91c5611428b3" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e07fc-4261-7f03-b1e3-a30b2270f672" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019e07fc-4261-7b22-9b37-78da96151f14" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_019e07fc-4261-786c-a415-91c5611428b3" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019e07fc-4261-7b22-9b37-78da96151f14" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e07fc-4261-7f86-a2f9-8e13a5d28648" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_019e07fc-4261-711c-8d44-b346db728f66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e07fc-4261-7f86-a2f9-8e13a5d28648" xlink:to="loc_us-gaap_BenefitsLossesAndExpenses_019e07fc-4261-711c-8d44-b346db728f66" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019e07fc-4261-7201-9e71-23186e864b78" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e07fc-4261-7f86-a2f9-8e13a5d28648" xlink:to="loc_us-gaap_Revenues_019e07fc-4261-7201-9e71-23186e864b78" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e07fc-4261-731b-867d-40e161416032" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019e07fc-4261-7679-a97e-ee10b88d0729" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e07fc-4261-731b-867d-40e161416032" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019e07fc-4261-7679-a97e-ee10b88d0729" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_019e07fc-4261-7b62-bc6b-158d071ce9cf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e07fc-4261-731b-867d-40e161416032" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_019e07fc-4261-7b62-bc6b-158d071ce9cf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e07fc-4261-793c-b94f-79571a9c7840" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019e07fc-4261-7fc7-b7b5-f3914f915d65" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019e07fc-4261-793c-b94f-79571a9c7840" xlink:to="loc_us-gaap_ProfitLoss_019e07fc-4261-7fc7-b7b5-f3914f915d65" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019e07fc-4261-75b5-8e86-9d8e9e4c7116" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019e07fc-4261-793c-b94f-79571a9c7840" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019e07fc-4261-75b5-8e86-9d8e9e4c7116" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019e07fc-4261-7e59-b98c-794a1ec9211e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_019e07fc-4261-76f7-956d-961fc0bae98b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019e07fc-4261-7e59-b98c-794a1ec9211e" xlink:to="loc_us-gaap_PremiumsEarnedNet_019e07fc-4261-76f7-956d-961fc0bae98b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceCommissionsAndFees_019e07fc-4261-7be8-83ba-7a4475557a9c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InsuranceCommissionsAndFees"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019e07fc-4261-7e59-b98c-794a1ec9211e" xlink:to="loc_us-gaap_InsuranceCommissionsAndFees_019e07fc-4261-7be8-83ba-7a4475557a9c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_019e07fc-4261-706c-8877-bf77bdf00d45" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetInvestmentIncome"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019e07fc-4261-7e59-b98c-794a1ec9211e" xlink:to="loc_us-gaap_NetInvestmentIncome_019e07fc-4261-706c-8877-bf77bdf00d45" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome_019e07fc-4261-7bf2-82ce-400890bdeb4b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherIncome"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019e07fc-4261-7e59-b98c-794a1ec9211e" xlink:to="loc_us-gaap_OtherIncome_019e07fc-4261-7bf2-82ce-400890bdeb4b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_019e07fc-4261-70c6-af0e-dac005c254ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019e07fc-4261-7e59-b98c-794a1ec9211e" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_019e07fc-4261-70c6-af0e-dac005c254ff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax_019e07fc-4261-769f-9ee5-1d094d2ed74a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnDerivativeInstrumentsNetPretax"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019e07fc-4261-7e59-b98c-794a1ec9211e" xlink:to="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax_019e07fc-4261-769f-9ee5-1d094d2ed74a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.brighthousefinancial.com/role/ConsolidatedStatementsofCashFlowsUnaudited" xlink:type="simple" xlink:href="bhf-20260630.xsd#ConsolidatedStatementsofCashFlowsUnaudited"/>
  <link:calculationLink xlink:role="http://www.brighthousefinancial.com/role/ConsolidatedStatementsofCashFlowsUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_019e07fc-4261-7555-aa17-c3fedb927689" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e07fc-4261-71d9-a64e-111a07e4ef7e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_019e07fc-4261-7555-aa17-c3fedb927689" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e07fc-4261-71d9-a64e-111a07e4ef7e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7369-9483-f04af8ea1dc8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_019e07fc-4261-7555-aa17-c3fedb927689" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7369-9483-f04af8ea1dc8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e07fc-4261-78d5-b241-3515e864ddea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_019e07fc-4261-7555-aa17-c3fedb927689" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e07fc-4261-78d5-b241-3515e864ddea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e07fc-4261-73b1-88de-03ffb7b23559" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_019e07fc-4261-7e46-ab10-5661fe4f82d3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e07fc-4261-73b1-88de-03ffb7b23559" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_019e07fc-4261-7e46-ab10-5661fe4f82d3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromAnnuitiesAndInvestmentCertificates_019e07fc-4261-7cb7-8eaa-dbbb7586bbc6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromAnnuitiesAndInvestmentCertificates"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e07fc-4261-73b1-88de-03ffb7b23559" xlink:to="loc_us-gaap_ProceedsFromAnnuitiesAndInvestmentCertificates_019e07fc-4261-7cb7-8eaa-dbbb7586bbc6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromDerivativeInstrumentFinancingActivities_019e07fc-4261-7df9-b692-76689b38edc0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromDerivativeInstrumentFinancingActivities"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e07fc-4261-73b1-88de-03ffb7b23559" xlink:to="loc_us-gaap_PaymentsForProceedsFromDerivativeInstrumentFinancingActivities_019e07fc-4261-7df9-b692-76689b38edc0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_bhf_NetChangeInPayablesForCollateralUnderSecuritiesLoanedAndOtherTransactions_019e07fc-4261-7fed-bc8f-dfdec5811993" xlink:href="bhf-20260630.xsd#bhf_NetChangeInPayablesForCollateralUnderSecuritiesLoanedAndOtherTransactions"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e07fc-4261-73b1-88de-03ffb7b23559" xlink:to="loc_bhf_NetChangeInPayablesForCollateralUnderSecuritiesLoanedAndOtherTransactions_019e07fc-4261-7fed-bc8f-dfdec5811993" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019e07fc-4261-7ad0-aae5-2d7613495b1c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e07fc-4261-73b1-88de-03ffb7b23559" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019e07fc-4261-7ad0-aae5-2d7613495b1c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfAnnuitiesAndInvestmentCertificates_019e07fc-4261-76b0-b421-057d06ff8839" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfAnnuitiesAndInvestmentCertificates"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e07fc-4261-73b1-88de-03ffb7b23559" xlink:to="loc_us-gaap_RepaymentsOfAnnuitiesAndInvestmentCertificates_019e07fc-4261-76b0-b421-057d06ff8839" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019e07fc-4261-76c5-908e-9921d18f52a5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e07fc-4261-73b1-88de-03ffb7b23559" xlink:to="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019e07fc-4261-76c5-908e-9921d18f52a5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_019e07fc-4261-78ad-ac4f-bf3148490ccc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e07fc-4261-73b1-88de-03ffb7b23559" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebt_019e07fc-4261-78ad-ac4f-bf3148490ccc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_019e07fc-4261-71f0-af27-5ada4e8a1653" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_019e07fc-4261-71f0-af27-5ada4e8a1653" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfTradingSecuritiesHeldforinvestment_019e07fc-4261-7dfd-997c-a784feda0788" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleAndMaturityOfTradingSecuritiesHeldforinvestment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfTradingSecuritiesHeldforinvestment_019e07fc-4261-7dfd-997c-a784feda0788" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_019e07fc-4261-7d13-bf6f-297fc1d52a72" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_019e07fc-4261-7d13-bf6f-297fc1d52a72" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable_019e07fc-4261-7825-a7c1-25b27ed37ce4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable_019e07fc-4261-7825-a7c1-25b27ed37ce4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLimitedPartnershipInvestments_019e07fc-4261-7813-a343-b1499f903115" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromLimitedPartnershipInvestments"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_ProceedsFromLimitedPartnershipInvestments_019e07fc-4261-7813-a343-b1499f903115" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019e07fc-4261-7212-927e-b0f49cdbd978" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019e07fc-4261-7212-927e-b0f49cdbd978" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireTradingSecuritiesHeldforinvestment_019e07fc-4261-7e45-94a4-c38a60fa12d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireTradingSecuritiesHeldforinvestment"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_PaymentsToAcquireTradingSecuritiesHeldforinvestment_019e07fc-4261-7e45-94a4-c38a60fa12d8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquitySecuritiesFvNi_019e07fc-4261-7e8c-aeb8-1c065e3e9d17" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireEquitySecuritiesFvNi"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_PaymentsToAcquireEquitySecuritiesFvNi_019e07fc-4261-7e8c-aeb8-1c065e3e9d17" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireMortgageNotesReceivable_019e07fc-4261-70f8-adc8-f8c5c0efe2f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireMortgageNotesReceivable"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_PaymentsToAcquireMortgageNotesReceivable_019e07fc-4261-70f8-adc8-f8c5c0efe2f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireLimitedPartnershipInterests_019e07fc-4261-7bac-990b-cd8d0247583b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireLimitedPartnershipInterests"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_PaymentsToAcquireLimitedPartnershipInterests_019e07fc-4261-7bac-990b-cd8d0247583b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_bhf_Cashreceivedinconnectionwithfreestandingderivatives_019e07fc-4261-7044-9654-cd1da09b19fd" xlink:href="bhf-20260630.xsd#bhf_Cashreceivedinconnectionwithfreestandingderivatives"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_bhf_Cashreceivedinconnectionwithfreestandingderivatives_019e07fc-4261-7044-9654-cd1da09b19fd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_bhf_CashPaidInConnectionWithFreestandingDerivatives_019e07fc-4261-7f8d-81e6-8a7864f0eb41" xlink:href="bhf-20260630.xsd#bhf_CashPaidInConnectionWithFreestandingDerivatives"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_bhf_CashPaidInConnectionWithFreestandingDerivatives_019e07fc-4261-7f8d-81e6-8a7864f0eb41" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromPolicyLoans_019e07fc-4261-7646-bf9c-e36312ff0f09" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromPolicyLoans"/>
    <link:calculationArc order="13" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_PaymentsForProceedsFromPolicyLoans_019e07fc-4261-7646-bf9c-e36312ff0f09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_019e07fc-4261-7996-9b6f-dc16363690f0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromShortTermInvestments"/>
    <link:calculationArc order="14" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_019e07fc-4261-7996-9b6f-dc16363690f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_bhf_NetChangeInOtherInvestedAssets_019e07fc-4261-72ab-84a9-884988f9d739" xlink:href="bhf-20260630.xsd#bhf_NetChangeInOtherInvestedAssets"/>
    <link:calculationArc order="15" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e07fc-4261-7085-b26d-69e656ea5a36" xlink:to="loc_bhf_NetChangeInOtherInvestedAssets_019e07fc-4261-72ab-84a9-884988f9d739" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.brighthousefinancial.com/role/InvestmentsMortgageLoansbyPortfolioSegmentDetails" xlink:type="simple" xlink:href="bhf-20260630.xsd#InvestmentsMortgageLoansbyPortfolioSegmentDetails"/>
  <link:calculationLink xlink:role="http://www.brighthousefinancial.com/role/InvestmentsMortgageLoansbyPortfolioSegmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_019e07fc-4262-765f-9b43-99bcadc68777" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross_019e07fc-4262-723d-89d3-26f3983ecda4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019e07fc-4262-765f-9b43-99bcadc68777" xlink:to="loc_us-gaap_NotesReceivableGross_019e07fc-4262-723d-89d3-26f3983ecda4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_019e07fc-4262-72f9-987f-c8e78709a53d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019e07fc-4262-765f-9b43-99bcadc68777" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_019e07fc-4262-72f9-987f-c8e78709a53d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_bhf_NotesReceivableNetAsPercentageOfNotesReceivableNet_019e07fc-4262-7d3a-95a7-3e063a7254da" xlink:href="bhf-20260630.xsd#bhf_NotesReceivableNetAsPercentageOfNotesReceivableNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_bhf_NotesReceivableGrossAsPercentageOfNotesReceivableNet_019e07fc-4262-7fc8-a314-9b2424ce8965" xlink:href="bhf-20260630.xsd#bhf_NotesReceivableGrossAsPercentageOfNotesReceivableNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_bhf_NotesReceivableNetAsPercentageOfNotesReceivableNet_019e07fc-4262-7d3a-95a7-3e063a7254da" xlink:to="loc_bhf_NotesReceivableGrossAsPercentageOfNotesReceivableNet_019e07fc-4262-7fc8-a314-9b2424ce8965" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_bhf_FinancingReceivableAllowanceForCreditLossesAsPercentageOfNotesReceivableNet_019e07fc-4262-7a77-840e-f86130d39fac" xlink:href="bhf-20260630.xsd#bhf_FinancingReceivableAllowanceForCreditLossesAsPercentageOfNotesReceivableNet"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_bhf_NotesReceivableNetAsPercentageOfNotesReceivableNet_019e07fc-4262-7d3a-95a7-3e063a7254da" xlink:to="loc_bhf_FinancingReceivableAllowanceForCreditLossesAsPercentageOfNotesReceivableNet_019e07fc-4262-7a77-840e-f86130d39fac" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.brighthousefinancial.com/role/InvestmentsInvestedAssetsonDepositHeldInTrustandPledgedasCollateralDetails" xlink:type="simple" xlink:href="bhf-20260630.xsd#InvestmentsInvestedAssetsonDepositHeldInTrustandPledgedasCollateralDetails"/>
  <link:calculationLink xlink:role="http://www.brighthousefinancial.com/role/InvestmentsInvestedAssetsonDepositHeldInTrustandPledgedasCollateralDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_bhf_InvestedAssetsOnDepositHeldInTrustAndPledgedAsCollateral_019e07fc-434f-7d79-ad6f-0c583d7f2fc7" xlink:href="bhf-20260630.xsd#bhf_InvestedAssetsOnDepositHeldInTrustAndPledgedAsCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositAssets_019e07fc-434f-71cc-8eb2-58e70113a31a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepositAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_bhf_InvestedAssetsOnDepositHeldInTrustAndPledgedAsCollateral_019e07fc-434f-7d79-ad6f-0c583d7f2fc7" xlink:to="loc_us-gaap_DepositAssets_019e07fc-434f-71cc-8eb2-58e70113a31a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsHeldInTrust_019e07fc-434f-75bb-ae79-ef1412da8e7f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsHeldInTrust"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_bhf_InvestedAssetsOnDepositHeldInTrustAndPledgedAsCollateral_019e07fc-434f-7d79-ad6f-0c583d7f2fc7" xlink:to="loc_us-gaap_AssetsHeldInTrust_019e07fc-434f-75bb-ae79-ef1412da8e7f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_bhf_InvestedAssetsPledgedAsCollateral_019e07fc-434f-776a-9281-899f30794bc2" xlink:href="bhf-20260630.xsd#bhf_InvestedAssetsPledgedAsCollateral"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_bhf_InvestedAssetsOnDepositHeldInTrustAndPledgedAsCollateral_019e07fc-434f-7d79-ad6f-0c583d7f2fc7" xlink:to="loc_bhf_InvestedAssetsPledgedAsCollateral_019e07fc-434f-776a-9281-899f30794bc2" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.brighthousefinancial.com/role/InvestmentsNetInvestmentIncomeDetails" xlink:type="simple" xlink:href="bhf-20260630.xsd#InvestmentsNetInvestmentIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.brighthousefinancial.com/role/InvestmentsNetInvestmentIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_019e07fc-434f-72b0-8b7d-408f143d8343" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetInvestmentIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossInvestmentIncomeOperating_019e07fc-434f-7541-a774-5a10deb2aec4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GrossInvestmentIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetInvestmentIncome_019e07fc-434f-72b0-8b7d-408f143d8343" xlink:to="loc_us-gaap_GrossInvestmentIncomeOperating_019e07fc-434f-7541-a774-5a10deb2aec4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInvestmentExpense_019e07fc-434f-7eee-b319-fd048a31ffd3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIncomeInvestmentExpense"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetInvestmentIncome_019e07fc-434f-72b0-8b7d-408f143d8343" xlink:to="loc_us-gaap_InvestmentIncomeInvestmentExpense_019e07fc-434f-7eee-b319-fd048a31ffd3" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.brighthousefinancial.com/role/InvestmentsSalesorDisposalsofFixedMaturitySecuritiesDetails" xlink:type="simple" xlink:href="bhf-20260630.xsd#InvestmentsSalesorDisposalsofFixedMaturitySecuritiesDetails"/>
  <link:calculationLink xlink:role="http://www.brighthousefinancial.com/role/InvestmentsSalesorDisposalsofFixedMaturitySecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019e07fc-434f-7ec4-89ce-5f62384d1f11" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_019e07fc-434f-7c20-85d0-4eba3dc27089" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGain"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019e07fc-434f-7ec4-89ce-5f62384d1f11" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_019e07fc-434f-7c20-85d0-4eba3dc27089" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_019e07fc-434f-79f2-b975-b3aaa0bfbb09" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019e07fc-434f-7ec4-89ce-5f62384d1f11" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_019e07fc-434f-79f2-b975-b3aaa0bfbb09" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.brighthousefinancial.com/role/OtherRevenuesandOtherExpensesOtherExpensesDetails" xlink:type="simple" xlink:href="bhf-20260630.xsd#OtherRevenuesandOtherExpensesOtherExpensesDetails"/>
  <link:calculationLink xlink:role="http://www.brighthousefinancial.com/role/OtherRevenuesandOtherExpensesOtherExpensesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_019e07fc-4350-7a66-bb3d-8107ec5ec720" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019e07fc-4350-7c78-a7e5-8346de2d4a1c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e07fc-4350-7a66-bb3d-8107ec5ec720" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019e07fc-4350-7c78-a7e5-8346de2d4a1c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_019e07fc-4350-7241-bcc5-55d820124785" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfessionalFees"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e07fc-4350-7a66-bb3d-8107ec5ec720" xlink:to="loc_us-gaap_ProfessionalFees_019e07fc-4350-7241-bcc5-55d820124785" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_bhf_TransitionServicesAgreements_019e07fc-4350-7198-8e33-a0cd0ab980cc" xlink:href="bhf-20260630.xsd#bhf_TransitionServicesAgreements"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e07fc-4350-7a66-bb3d-8107ec5ec720" xlink:to="loc_bhf_TransitionServicesAgreements_019e07fc-4350-7198-8e33-a0cd0ab980cc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectTaxesAndLicensesCosts_019e07fc-4350-7b90-a579-1a7164c66519" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DirectTaxesAndLicensesCosts"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e07fc-4350-7a66-bb3d-8107ec5ec720" xlink:to="loc_us-gaap_DirectTaxesAndLicensesCosts_019e07fc-4350-7b90-a579-1a7164c66519" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustodyFees_019e07fc-4350-7b9b-a7ba-b533176e4850" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CustodyFees"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e07fc-4350-7a66-bb3d-8107ec5ec720" xlink:to="loc_us-gaap_CustodyFees_019e07fc-4350-7b9b-a7ba-b533176e4850" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostOfGoodsAndServicesSoldOverhead_019e07fc-4350-7e2a-bd04-08ecb5dd2f0c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostOfGoodsAndServicesSoldOverhead"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e07fc-4350-7a66-bb3d-8107ec5ec720" xlink:to="loc_us-gaap_CostOfGoodsAndServicesSoldOverhead_019e07fc-4350-7e2a-bd04-08ecb5dd2f0c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDebtExpense_019e07fc-4350-7eda-b143-c90ef3e24960" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDebtExpense"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e07fc-4350-7a66-bb3d-8107ec5ec720" xlink:to="loc_us-gaap_InterestAndDebtExpense_019e07fc-4350-7eda-b143-c90ef3e24960" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherGeneralAndAdministrativeExpense_019e07fc-4350-73e1-a755-f68d51fc74d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherGeneralAndAdministrativeExpense"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e07fc-4350-7a66-bb3d-8107ec5ec720" xlink:to="loc_us-gaap_OtherGeneralAndAdministrativeExpense_019e07fc-4350-73e1-a755-f68d51fc74d8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.brighthousefinancial.com/role/EarningsPerCommonShareDetails" xlink:type="simple" xlink:href="bhf-20260630.xsd#EarningsPerCommonShareDetails"/>
  <link:calculationLink xlink:role="http://www.brighthousefinancial.com/role/EarningsPerCommonShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e07fc-4350-767a-960d-8f1b5bb31026" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e07fc-4350-7a39-adc6-6e53badf981e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e07fc-4350-767a-960d-8f1b5bb31026" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e07fc-4350-7a39-adc6-6e53badf981e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019e07fc-4350-710f-ba35-5768dcf2fb2d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e07fc-4350-767a-960d-8f1b5bb31026" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019e07fc-4350-710f-ba35-5768dcf2fb2d" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
