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  <xsd:element id="bhf_DerivativeLiabilityFairValueGrossLiabilityExcludingAccruals" name="DerivativeLiabilityFairValueGrossLiabilityExcludingAccruals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element id="bhf_InvestedAssetsOnDepositHeldInTrustAndPledgedAsCollateral" name="InvestedAssetsOnDepositHeldInTrustAndPledgedAsCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element abstract="true" id="bhf_LifeMember" name="LifeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <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" />
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  <xsd:element abstract="true" id="bhf_MeasurementInputLongTermEquityVolatilitiesMember" name="MeasurementInputLongTermEquityVolatilitiesMember" 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" />
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  <xsd:element id="bhf_NetAmountAtRiskByProductAndGuaranteeGeneralAndSeparateAccountValue" name="NetAmountAtRiskByProductAndGuaranteeGeneralAndSeparateAccountValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <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_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAllocatedFromInsuranceLiabilityLossRecognition" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAllocatedFromInsuranceLiabilityLossRecognition" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAttributableToCompany" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAttributableToCompany" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDebtSecuritiesThatWereTemporarilyImpaired" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDebtSecuritiesThatWereTemporarilyImpaired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDeferredIncomeTaxBenefitExpense" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDeferredIncomeTaxBenefitExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToOtherInvestments" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToOtherInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element abstract="true" id="bhf_NonIncomeProducingDebtSecuritiesMember" name="NonIncomeProducingDebtSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_NonperformanceRiskMember" name="NonperformanceRiskMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_OtherInvestedAssetsMember" name="OtherInvestedAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_OtherInvestmentsFairValueDisclosure" name="OtherInvestmentsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bhf_OtherThanTemporaryImpairmentsOnDebtSecuritiesTransferredToOtherComprehensiveIncomeLoss" name="OtherThanTemporaryImpairmentsOnDebtSecuritiesTransferredToOtherComprehensiveIncomeLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageEstimatedFairValue" name="PercentageEstimatedFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfAllowanceForLoanAndLeaseLossesRealEstateToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfAllowanceForLoanAndLeaseLossesRealEstateToMortgageLoansOnRealEstateCommercialAndConsumerNet" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bhf_PercentageOfLoansReceivableToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfLoansReceivableToMortgageLoansOnRealEstateCommercialAndConsumerNet" 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_PercentageOfMortgageLoansOnRealEstateToMortgageLoansOnRealEstateCommercialAndConsumerNet" name="PercentageOfMortgageLoansOnRealEstateToMortgageLoansOnRealEstateCommercialAndConsumerNet" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <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" />
  <xsd:element abstract="true" id="bhf_PolicyholderBenefitAndClaimMember" name="PolicyholderBenefitAndClaimMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element id="bhf_ProceedsFromSalesOrDisposalsOfFixedMaturityAndEquitySecuritiesAndComponentsOfFixedMaturityAndEquitySecuritiesNetInvestmentGainsAndLossesTableTextBlock" name="ProceedsFromSalesOrDisposalsOfFixedMaturityAndEquitySecuritiesAndComponentsOfFixedMaturityAndEquitySecuritiesNetInvestmentGainsAndLossesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ReceivablesMember" name="ReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_ReinsuranceMember" name="ReinsuranceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_RevolvingCreditFacilityMaturing2019Member" name="RevolvingCreditFacilityMaturing2019Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_RevolvingCreditFacilityMaturing2024Member" name="RevolvingCreditFacilityMaturing2024Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="bhf_ScheduleOfSecuritiesByDurationAxis" name="ScheduleOfSecuritiesByDurationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <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_SixMonthsOrGreaterMember" name="SixMonthsOrGreaterMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_StructuredSecuritiesMember" name="StructuredSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_TermLoanDue2019Member" name="TermLoanDue2019Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bhf_TermLoanDue2024Member" name="TermLoanDue2024Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bhf_TransitionServicesAgreements" name="TransitionServicesAgreements" 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:schema>
