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  <xs:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLoss" abstract="false" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_DebtServiceCoverageAxis" abstract="true" name="DebtServiceCoverageAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bhf_BaaMember" abstract="true" name="BaaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_MarketRiskBenefitsAndRelatedAdjustments" abstract="false" name="MarketRiskBenefitsAndRelatedAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_FinancingReceivablesEqualToGreaterThan180DaysPastDueMember" abstract="true" name="FinancingReceivablesEqualToGreaterThan180DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_FinancingReceivableAllowanceForCreditLossesAsPercentageOfNotesReceivableNet" abstract="false" name="FinancingReceivableAllowanceForCreditLossesAsPercentageOfNotesReceivableNet" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bhf_DeferredRevenueAmortizationExpense" abstract="false" name="DeferredRevenueAmortizationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_SecuritiesLendingReinvestmentPortfolioEstimatedFairValue" abstract="false" name="SecuritiesLendingReinvestmentPortfolioEstimatedFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_NetAmountAtRisk" abstract="false" name="NetAmountAtRisk" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_NetDerivativeGainLossMember" abstract="true" name="NetDerivativeGainLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
