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  <xs:element id="bhf_DerivativeAssetIncludingNotSubjectToMasterNettingArrangementAfterOffsetAndDeductionNetOfSecuritiesCollateral" abstract="false" name="DerivativeAssetIncludingNotSubjectToMasterNettingArrangementAfterOffsetAndDeductionNetOfSecuritiesCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_DerivativeLiabilityCollateralRightToReclaimSecuritiesOffset" abstract="false" name="DerivativeLiabilityCollateralRightToReclaimSecuritiesOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_DerivativeLiabilityIncludingNotSubjectToMasterNettingArrangementAfterOffsetAndDeductionNetOfSecuritiesCollateral" abstract="false" name="DerivativeLiabilityIncludingNotSubjectToMasterNettingArrangementAfterOffsetAndDeductionNetOfSecuritiesCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_DerivativesSubjectToCreditContingentProvisionsMember" abstract="true" name="DerivativesSubjectToCreditContingentProvisionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_DerivativeAOCIAssociatedWithCashFlowHedgesPreTax" abstract="false" name="DerivativeAOCIAssociatedWithCashFlowHedgesPreTax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_MeasurementInputLongTermEquityVolatilitiesMember" abstract="true" name="MeasurementInputLongTermEquityVolatilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_StructuredSecuritiesMember" abstract="true" name="StructuredSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_NetDerivativesMember" abstract="true" name="NetDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_FairValueMortgageLoansNetNotOnRecurringBasis" abstract="false" name="FairValueMortgageLoansNetNotOnRecurringBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_OtherInvestmentsFairValueDisclosure" abstract="false" name="OtherInvestmentsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_PolicyholderContractDepositsFairValueDisclosure" abstract="false" name="PolicyholderContractDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_NotDesignatedPreferredStockMember" abstract="true" name="NotDesignatedPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_OtherComponentsOfAOCIMember" abstract="true" name="OtherComponentsOfAOCIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_AuthorizationUnder10b51PlanMember" abstract="true" name="AuthorizationUnder10b51PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_TransitionServicesAgreements" abstract="false" name="TransitionServicesAgreements" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_StockOptionsInTheMoneyMember" abstract="true" name="StockOptionsInTheMoneyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_NonLitigationLossMember" abstract="true" name="NonLitigationLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_AquarianHoldingsMember" abstract="true" name="AquarianHoldingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
