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  <xs:element id="bhf_VariableIncomeAnnuities" abstract="false" name="VariableIncomeAnnuities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDeferredIncomeTaxBenefitExpense" abstract="false" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDeferredIncomeTaxBenefitExpense" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_FinancialInstrumentIncomeProducingStatusAxis" abstract="true" name="FinancialInstrumentIncomeProducingStatusAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bhf_TermWholeLifeInsuranceMember" abstract="true" name="TermWholeLifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_NotesReceivableGrossByDebtServiceCoverageRatioAsPercentageOfNotesReceivableGross" abstract="false" name="NotesReceivableGrossByDebtServiceCoverageRatioAsPercentageOfNotesReceivableGross" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bhf_ChangesInNetUnrealizedInvestmentGainsLossesRelatedToUnrealizedInvestmentGainsLossesDuringPeriod" abstract="false" name="ChangesInNetUnrealizedInvestmentGainsLossesRelatedToUnrealizedInvestmentGainsLossesDuringPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_LtvLessThan65PercentMember" abstract="true" name="LtvLessThan65PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_CompanyOwnedLifeInsuranceMember" abstract="true" name="CompanyOwnedLifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_ULSGLiabilityForProfitsFollowedByLossesIncludingTheEffectsOfUnrealizedGainsAndLossesMember" abstract="true" name="ULSGLiabilityForProfitsFollowedByLossesIncludingTheEffectsOfUnrealizedGainsAndLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_StructuredSecuritiesMember" abstract="true" name="StructuredSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
