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  <xsd:element abstract="true" id="bhf_AllServicesandTransactionsExceptBrokerDealerActivitiesMember" name="AllServicesandTransactionsExceptBrokerDealerActivitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_AnnuitiesMember" name="AnnuitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_AssetsTransferredToAffiliatesEstimatedFairValue" name="AssetsTransferredToAffiliatesEstimatedFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_AssumedGuaranteedMinimumBenefitMember" name="AssumedGuaranteedMinimumBenefitMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_AssumedInsuranceCommissionsAndFees" name="AssumedInsuranceCommissionsAndFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_AssumedReinsuranceMember" name="AssumedReinsuranceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_BHLRecaptureGMIBMember" name="BHLRecaptureGMIBMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_BLICRepurchaseFacilityMember" name="BLICRepurchaseFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_BaMember" name="BaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_BaaMember" name="BaaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_CashPaidInConnectionWithFreestandingDerivatives" name="CashPaidInConnectionWithFreestandingDerivatives" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_Cashreceivedinconnectionwithfreestandingderivatives" name="Cashreceivedinconnectionwithfreestandingderivatives" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_CededGuaranteedMinimumBenefitMember" name="CededGuaranteedMinimumBenefitMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_CededInsuranceCommissionsAndFees" name="CededInsuranceCommissionsAndFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_CededReinsuranceMember" name="CededReinsuranceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_ChangeinshareholdersNetInvestment" name="ChangeinshareholdersNetInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_ChangesInNetUnrealizedInvestmentGainsLossesExcludingPortionAttributableToNoncontrollingInterests" name="ChangesInNetUnrealizedInvestmentGainsLossesExcludingPortionAttributableToNoncontrollingInterests" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_ChangesInNetUnrealizedInvestmentGainsLossesRelatedToDacAndVoba" name="ChangesInNetUnrealizedInvestmentGainsLossesRelatedToDacAndVoba" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_ChangesInNetUnrealizedInvestmentGainsLossesRelatedToDacAndVobaRelatedToNonCreditOttiLossesRecognizedInOtherComprehensiveIncomeLoss" name="ChangesInNetUnrealizedInvestmentGainsLossesRelatedToDacAndVobaRelatedToNonCreditOttiLossesRecognizedInOtherComprehensiveIncomeLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_ChangesInNetUnrealizedInvestmentGainsLossesRelatedToDebtSecuritiesOnWhichNoncreditOttiLossesHaveBeenRecognized" name="ChangesInNetUnrealizedInvestmentGainsLossesRelatedToDebtSecuritiesOnWhichNoncreditOttiLossesHaveBeenRecognized" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_ChangesInNetUnrealizedInvestmentGainsLossesRelatedToDeferredIncomeTaxBenefitExpenseRelatedToNonCreditOttiLossesRecognizedInOtherComprehensiveIncomeLoss" name="ChangesInNetUnrealizedInvestmentGainsLossesRelatedToDeferredIncomeTaxBenefitExpenseRelatedToNonCreditOttiLossesRecognizedInOtherComprehensiveIncomeLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_ChangesInNetUnrealizedInvestmentGainsLossesRelatedToInsuranceLiabilityGainLossRecognition" name="ChangesInNetUnrealizedInvestmentGainsLossesRelatedToInsuranceLiabilityGainLossRecognition" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_ChangesInNetUnrealizedInvestmentGainsLossesRelatedToUnrealizedInvestmentGainsLossesDuringPeriod" name="ChangesInNetUnrealizedInvestmentGainsLossesRelatedToUnrealizedInvestmentGainsLossesDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_CommissionsFeesAndOtherIncomeAssumed" name="CommissionsFeesAndOtherIncomeAssumed" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_CommonStockDistributionbyParent" name="CommonStockDistributionbyParent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_CommonStockRetainedbyParent" name="CommonStockRetainedbyParent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_ConsolidatedSecuritizationEntitiesAbstract" name="ConsolidatedSecuritizationEntitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_DebtServiceCoverageRatioByRangeAxis" name="DebtServiceCoverageRatioByRangeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_DebtServiceCoverageRatioByRangeDomain" name="DebtServiceCoverageRatioByRangeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_DebtServiceCoverageRatioRangeOneMember" name="DebtServiceCoverageRatioRangeOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_DebtServiceCoverageRatioRangeThreeMember" name="DebtServiceCoverageRatioRangeThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_DebtServiceCoverageRatioRangeTwoMember" name="DebtServiceCoverageRatioRangeTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_DeferredPolicyAcquisitionCostsCapitalization" name="DeferredPolicyAcquisitionCostsCapitalization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_DerivativeAssetCollateralObligationToReturnSecuritiesOffset" name="DerivativeAssetCollateralObligationToReturnSecuritiesOffset" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_DerivativeAssetFairValueGrossAssetExcludingAccruals" name="DerivativeAssetFairValueGrossAssetExcludingAccruals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bhf_DerivativeLiabilityCollateralRightToReclaimSecuritiesOffset" name="DerivativeLiabilityCollateralRightToReclaimSecuritiesOffset" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bhf_DerivativeLiabilityFairValueGrossLiabilityExcludingAccruals" name="DerivativeLiabilityFairValueGrossLiabilityExcludingAccruals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_DirectAndAssumedGuaranteedMinimumBenefitMember" name="DirectAndAssumedGuaranteedMinimumBenefitMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_DirectGuaranteedMinimumBenefitMember" name="DirectGuaranteedMinimumBenefitMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_EquityFuturesMember" name="EquityFuturesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_EquityTotalReturnSwapsMember" name="EquityTotalReturnSwapsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_EstimatedFairValueCommercialMortgage" name="EstimatedFairValueCommercialMortgage" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bhf_EstimatedFairValueCommercialMortgagePercentage" name="EstimatedFairValueCommercialMortgagePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_Estimatedincreasedecreaseinadjustedearningsduetonewmethodology" name="Estimatedincreasedecreaseinadjustedearningsduetonewmethodology" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_Estimatedincreasedecreaseintotalassetsduetonewmethodology" name="Estimatedincreasedecreaseintotalassetsduetonewmethodology" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_FairValueAssetsAndLiabilitiesTransferredBetweenLevels1AndLevels2" name="FairValueAssetsAndLiabilitiesTransferredBetweenLevels1AndLevels2" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bhf_FairValueInputsCorrelation" name="FairValueInputsCorrelation" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_FairValueInputsLongTermEquityVolatilities" name="FairValueInputsLongTermEquityVolatilities" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_FairValueInputsOfferedQuotesMatrixPricing" name="FairValueInputsOfferedQuotesMatrixPricing" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_FairValueInputsQuotedPrices" name="FairValueInputsQuotedPrices" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_FairValueInputsUtilizationRates" name="FairValueInputsUtilizationRates" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_FairValueInputsWithdrawalRates" name="FairValueInputsWithdrawalRates" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_FairValueMortgageLoansNetNotOnRecurringBasis" name="FairValueMortgageLoansNetNotOnRecurringBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_FairValueTransfersBetweenLevelsAbstract" name="FairValueTransfersBetweenLevelsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_FinancingReceivableNumberofContractofRecordedInvestmentPastDue" name="FinancingReceivableNumberofContractofRecordedInvestmentPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_FixedMaturitiesAvailableForSaleWithGrossUnrealizedLossOfEqualToOrGreaterThanStatedPercentage" name="FixedMaturitiesAvailableForSaleWithGrossUnrealizedLossOfEqualToOrGreaterThanStatedPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_FuturesMember" name="FuturesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_GainsLossesDeferredInAccumulatedOtherComprehensiveIncomeLossOnDerivativesEffectivePortion" name="GainsLossesDeferredInAccumulatedOtherComprehensiveIncomeLossOnDerivativesEffectivePortion" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bhf_GainsLossesOnAssetsAndLiabilitiesHeldByConsolidatedSecuritizationsEntitiesUnderFairValueOptionAndAllOtherGainsLosses" name="GainsLossesOnAssetsAndLiabilitiesHeldByConsolidatedSecuritizationsEntitiesUnderFairValueOptionAndAllOtherGainsLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bhf_GainsLossesOnCommercialMortgageLoansHeldByConsolidatedSecuritizationEntitiesFairValueOption" name="GainsLossesOnCommercialMortgageLoansHeldByConsolidatedSecuritizationEntitiesFairValueOption" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_GainsLossesOnLongTermDebtOfConsolidatedSecuritizationEntitiesRelatedToMortgageLoansFairValueOption" name="GainsLossesOnLongTermDebtOfConsolidatedSecuritizationEntitiesRelatedToMortgageLoansFairValueOption" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" />
  <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_IncomeLossfromContinuingOperationsNetofTaxNotIncludingPortionAttributabletoNoncontrollingInterestTotal" name="IncomeLossfromContinuingOperationsNetofTaxNotIncludingPortionAttributabletoNoncontrollingInterestTotal" 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" />
  <xsd:element id="bhf_IndemnitiesAndGuaranteesContractualLimitationRange" name="IndemnitiesAndGuaranteesContractualLimitationRange" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_InterestCreditedToPolicyholderAccountBalancesAbstract" name="InterestCreditedToPolicyholderAccountBalancesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_InvestedAssetsOnDepositHeldInTrustAndPledgedAsCollateral" name="InvestedAssetsOnDepositHeldInTrustAndPledgedAsCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bhf_InvestedAssetsPledgedAsCollateral" name="InvestedAssetsPledgedAsCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bhf_InvestmentPortfolioGainsLosses" name="InvestmentPortfolioGainsLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_LCHupdateimpactMember" name="LCHupdateimpactMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_LapseRatesDurationRangeAxis" name="LapseRatesDurationRangeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_LapseRatesDurationRangeDomain" name="LapseRatesDurationRangeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_LapseRatesDurationRangeOneMember" name="LapseRatesDurationRangeOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_LapseRatesDurationRangeThreeMember" name="LapseRatesDurationRangeThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_LapseRatesDurationRangeTwoMember" name="LapseRatesDurationRangeTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_LifeMember" name="LifeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <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" />
  <xsd:element id="bhf_LoansReceivableCommercialAgriculturalMortgagePercentage" name="LoansReceivableCommercialAgriculturalMortgagePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_LoansReceivableCommercialMortgagePercentage" name="LoansReceivableCommercialMortgagePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bhf_Maturity30to180DaysMember" name="Maturity30to180DaysMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_MetlifeInvestmentAdvisorsLLCMember" name="MetlifeInvestmentAdvisorsLLCMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_MetropolitanLifeInsuranceCompanyMember" name="MetropolitanLifeInsuranceCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_MortalityRatesRangeAxis" name="MortalityRatesRangeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_MortalityRatesRangeDomain" name="MortalityRatesRangeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_MortalityRatesRangeOneMember" name="MortalityRatesRangeOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_MortalityRatesRangeThreeMember" name="MortalityRatesRangeThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_MortalityRatesRangeTwoMember" name="MortalityRatesRangeTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_MortgageLoansByCreditQualityIndicatorRangeFourMember" name="MortgageLoansByCreditQualityIndicatorRangeFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_MortgageLoansByCreditQualityIndicatorRangeOneMember" name="MortgageLoansByCreditQualityIndicatorRangeOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_MortgageLoansByCreditQualityIndicatorRangeThreeMember" name="MortgageLoansByCreditQualityIndicatorRangeThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_MortgageLoansByCreditQualityIndicatorRangeTwoMember" name="MortgageLoansByCreditQualityIndicatorRangeTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_MortgageLoansHeldForInvestment" name="MortgageLoansHeldForInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bhf_NetAmountAtRiskByProductAndGuaranteeGeneralAndSeparateAccountValue" name="NetAmountAtRiskByProductAndGuaranteeGeneralAndSeparateAccountValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <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" />
  <xsd:element abstract="true" id="bhf_NetDerivativesMember" name="NetDerivativesMember" 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" />
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  <xsd:element id="bhf_OtherLimitedPartnershipInterests" name="OtherLimitedPartnershipInterests" 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" />
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  <xsd:element id="bhf_PercentageOfAllowanceForLoanAndLeaseLossesRealEstateToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfAllowanceForLoanAndLeaseLossesRealEstateToMortgageLoansOnRealEstateCommercialAndConsumerNet" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfCommercialMortgageLoansHeldByConsolidatedSecuritizationEntitiesFairValueOptionToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfCommercialMortgageLoansHeldByConsolidatedSecuritizationEntitiesFairValueOptionToMortgageLoansOnRealEstateCommercialAndConsumerNet" 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_PercentageOfMortgageLoansHeldForInvestmentNetToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfMortgageLoansHeldForInvestmentNetToMortgageLoansOnRealEstateCommercialAndConsumerNet" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
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  <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 abstract="true" id="bhf_PolicyholderAccountBalancesMember" name="PolicyholderAccountBalancesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <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_ProceedsFromSalesOrDisposalsOfFixedMaturityAndEquitySecuritiesAndComponentsOfFixedMaturityAndEquitySecuritiesNetInvestmentGainsAndLossesTableTextBlock" name="ProceedsFromSalesOrDisposalsOfFixedMaturityAndEquitySecuritiesAndComponentsOfFixedMaturityAndEquitySecuritiesNetInvestmentGainsAndLossesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="bhf_ReceivablesMember" name="ReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_Reductionofpolicyholderaccountbalancesinconnectionwithareinsurancetransactions" name="Reductionofpolicyholderaccountbalancesinconnectionwithareinsurancetransactions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="bhf_ReinsuranceMember" name="ReinsuranceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <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 abstract="true" id="bhf_ShareholdersnetinvestmentMember" name="ShareholdersnetinvestmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="bhf_StructuredSecuritiesMember" name="StructuredSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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 abstract="true" id="bhf_TwentyPercentOrMoreMember" name="TwentyPercentOrMoreMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_VariableInterestEntityPrimaryBeneficiaryConsolidatedSecuritizationEntitiesMember" name="VariableInterestEntityPrimaryBeneficiaryConsolidatedSecuritizationEntitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
