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  <xs:element id="bhf_RestrictedCashandCashEquivalents1Axis" abstract="true" name="RestrictedCashandCashEquivalents1Axis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bhf_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeLessThan0200Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeLessThan0200Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_AuthorizationUnder10b51PlanMember" abstract="true" name="AuthorizationUnder10b51PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_NotesReceivableGrossAsPercentageOfNotesReceivableNet" abstract="false" name="NotesReceivableGrossAsPercentageOfNotesReceivableNet" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bhf_GainLossOnRepurchaseOfDebtInstrumentPrincipal" abstract="false" name="GainLossOnRepurchaseOfDebtInstrumentPrincipal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bhf_UsGaap_HybridOptionMemberMember" abstract="true" name="UsGaap_HybridOptionMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_NewEnglandLifeInsuranceCompanyMember" abstract="true" name="NewEnglandLifeInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_BrighthouseLifeInsuranceCompanyMember" abstract="true" name="BrighthouseLifeInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_PerformanceFactor" abstract="false" name="PerformanceFactor" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bhf_RestrictedCashAndCashEquivalentsMember" abstract="true" name="RestrictedCashAndCashEquivalentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bhf_StructuredSettlementAndPensionRiskTransferAnnuitiesDomain" abstract="true" name="StructuredSettlementAndPensionRiskTransferAnnuitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_MeasurementInputLongTermEquityVolatilitiesMember" abstract="true" name="MeasurementInputLongTermEquityVolatilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_CededCreditRiskReinsuranceRecoverablesNet" abstract="false" name="CededCreditRiskReinsuranceRecoverablesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bhf_ExpirationPeriodThirdFourYearsByDeferredTaxAssetMember" abstract="true" name="ExpirationPeriodThirdFourYearsByDeferredTaxAssetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_ExpirationPeriodFirstFourYearsByDeferredTaxAssetMember" abstract="true" name="ExpirationPeriodFirstFourYearsByDeferredTaxAssetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_AssumedInsuranceCommissionsAndFees" abstract="false" name="AssumedInsuranceCommissionsAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PercentageofReinvestmentPortfolioInvestedInLiquidAssets" abstract="false" name="PercentageofReinvestmentPortfolioInvestedInLiquidAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bhf_SecuritiesLendingReinvestmentPortfolioEstimatedFairValue" abstract="false" name="SecuritiesLendingReinvestmentPortfolioEstimatedFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bhf_BHFSeniorNotesDue2051Member" abstract="true" name="BHFSeniorNotesDue2051Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bhf_PolicyholderContractDepositsFairValueDisclosure" abstract="false" name="PolicyholderContractDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bhf_BHFSeniorNotesdue2047Member" abstract="true" name="BHFSeniorNotesdue2047Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_AgriculturalPortfolioSegmentMember" abstract="true" name="AgriculturalPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_DebtSecuritiesAvailableForSaleWithAllowanceForCreditLossNumberOfPositions" abstract="false" name="DebtSecuritiesAvailableForSaleWithAllowanceForCreditLossNumberOfPositions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDerivatives" abstract="false" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDerivatives" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_OtherIncomeDirect" abstract="false" name="OtherIncomeDirect" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_BRCDCommittedCreditFacilityMember" abstract="true" name="BRCDCommittedCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_RevolvingCreditFacilityMaturing2024Member" abstract="true" name="RevolvingCreditFacilityMaturing2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_BHHoldingsMember" abstract="true" name="BHHoldingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_NotesReceivableGrossByPerformanceStatusAsPercentageOfNotesReceivableGross" abstract="false" name="NotesReceivableGrossByPerformanceStatusAsPercentageOfNotesReceivableGross" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bhf_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0200To0399Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0200To0399Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_BrighthouseServicesLLCMember" abstract="true" name="BrighthouseServicesLLCMember" 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-types1:domainItemType"/>
  <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_ExpirationPeriodForIndefiniteNumberOfYearsByDeferredTaxAssetMember" abstract="true" name="ExpirationPeriodForIndefiniteNumberOfYearsByDeferredTaxAssetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_RollforwardsTotalMember" abstract="true" name="RollforwardsTotalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_PolicyholderAccountBalancesGrossOfPolicyLoansAndExcludesExcessingInterestReserves" abstract="false" name="PolicyholderAccountBalancesGrossOfPolicyLoansAndExcludesExcessingInterestReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_TotalAccountBalances" abstract="false" name="TotalAccountBalances" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_LifeMember" abstract="true" name="LifeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_FinancingReceivables90To179DaysPastDueMember" abstract="true" name="FinancingReceivables90To179DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_MarketRiskBenefitsTextBlock" abstract="false" name="MarketRiskBenefitsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bhf_NonLitigationLossMember" abstract="true" name="NonLitigationLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_FinancialInstrumentIncomeProducingStatusDomain" abstract="true" name="FinancialInstrumentIncomeProducingStatusDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAllocatedFromInsuranceLiabilityLossRecognition" abstract="false" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAllocatedFromInsuranceLiabilityLossRecognition" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bhf_MarketRiskBenefitChangeInFairValueGainLossAssumed" abstract="false" name="MarketRiskBenefitChangeInFairValueGainLossAssumed" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValuePerformanceFactorAdjustment" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValuePerformanceFactorAdjustment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="bhf_OtherInvestedAssetsMember" abstract="true" name="OtherInvestedAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_OutstandingFundingAgreementsToCertainSpecialPurposeEntities" abstract="false" name="OutstandingFundingAgreementsToCertainSpecialPurposeEntities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_DebtServiceCoverageDomain" abstract="true" name="DebtServiceCoverageDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_TermWholeLifeInsuranceMember" abstract="true" name="TermWholeLifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_LeveragedLeasesByPerformanceStatusAsPercentageOfLeveragedLeases" abstract="false" name="LeveragedLeasesByPerformanceStatusAsPercentageOfLeveragedLeases" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <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_MarketRiskBenefitsAndRelatedAdjustments" abstract="false" name="MarketRiskBenefitsAndRelatedAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_InvestedAssetsOnDepositHeldInTrustAndPledgedAsCollateral" abstract="false" name="InvestedAssetsOnDepositHeldInTrustAndPledgedAsCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_IncomeLossBeforeEquityInEarningsLossesOfSubsidiaries" abstract="false" name="IncomeLossBeforeEquityInEarningsLossesOfSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_MarketRiskBenefitWeightedAverageAttainedAgeOfContractHolder" abstract="false" name="MarketRiskBenefitWeightedAverageAttainedAgeOfContractHolder" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bhf_MortgageBackedAndAssetBackedSecuritiesMember" abstract="true" name="MortgageBackedAndAssetBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_GainsLossesDeferredInAccumulatedOtherComprehensiveIncomeLossOnDerivativesEffectivePortion" abstract="false" name="GainsLossesDeferredInAccumulatedOtherComprehensiveIncomeLossOnDerivativesEffectivePortion" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_DirectReinsuranceMember" abstract="true" name="DirectReinsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bhf_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bhf_NetChangeInOtherInvestedAssets" abstract="false" name="NetChangeInOtherInvestedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_JuniorSubordinatedDebenturesdue2058Member" abstract="true" name="JuniorSubordinatedDebenturesdue2058Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
