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  <xs:element id="bhf_DerivativeLiabilityCollateralRightToReclaimSecuritiesOffset" abstract="false" name="DerivativeLiabilityCollateralRightToReclaimSecuritiesOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bhf_EquityTotalReturnSwapsMember" abstract="true" name="EquityTotalReturnSwapsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_LeveragedLeasesByPerformanceStatusAsPercentageOfLeveragedLeases" abstract="false" name="LeveragedLeasesByPerformanceStatusAsPercentageOfLeveragedLeases" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossSubtotalOfInvestmentGainsLossesComponents" abstract="false" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossSubtotalOfInvestmentGainsLossesComponents" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_TransitionServicesAgreements" abstract="false" name="TransitionServicesAgreements" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_NotDesignatedPreferredStockMember" abstract="true" name="NotDesignatedPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_CaaAndLowerMember" abstract="true" name="CaaAndLowerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_ProceedsFromSalesOrDisposalsOfFixedMaturityAndEquitySecuritiesAndComponentsOfFixedMaturityAndEquitySecuritiesNetInvestmentGainsAndLossesTableTextBlock" abstract="false" name="ProceedsFromSalesOrDisposalsOfFixedMaturityAndEquitySecuritiesAndComponentsOfFixedMaturityAndEquitySecuritiesNetInvestmentGainsAndLossesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAllocatedFromInsuranceLiabilityLossRecognition" abstract="false" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossAllocatedFromInsuranceLiabilityLossRecognition" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_MortgageBackedAndAssetBackedSecuritiesMember" abstract="true" name="MortgageBackedAndAssetBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_FinancingReceivablesEqualToGreaterThan180DaysPastDueMember" abstract="true" name="FinancingReceivablesEqualToGreaterThan180DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_BHFSeniorNotesdue2047Member" abstract="true" name="BHFSeniorNotesdue2047Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToOtherInvestments" abstract="false" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToOtherInvestments" nillable="true" xbrli:periodType="instant" 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-types:domainItemType"/>
  <xs:element id="bhf_NewEnglandLifeInsuranceCompanyMember" abstract="true" name="NewEnglandLifeInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_NonRecourseDebtDue2030Member" abstract="true" name="NonRecourseDebtDue2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_EstablishmentCosts" abstract="false" name="EstablishmentCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_NetDerivativesMember" abstract="true" name="NetDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_BRCDCommittedCreditFacilityMember" abstract="true" name="BRCDCommittedCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_UsGaap_HybridOptionMemberMember" abstract="true" name="UsGaap_HybridOptionMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_SupplementaryInsuranceInformationFuturePolicyBenefitsOtherPolicyRelatedBalancesAndPolicyholderDividendObligation" abstract="false" name="SupplementaryInsuranceInformationFuturePolicyBenefitsOtherPolicyRelatedBalancesAndPolicyholderDividendObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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-types:domainItemType"/>
  <xs:element id="bhf_CapitalContributionsToSubsidiaries" abstract="false" name="CapitalContributionsToSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_DerivativeAOCIAssociatedWithCashFlowHedgesPreTax" abstract="false" name="DerivativeAOCIAssociatedWithCashFlowHedgesPreTax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_StructuredSecuritiesMember" abstract="true" name="StructuredSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_MeasurementInputLongTermEquityVolatilitiesMember" abstract="true" name="MeasurementInputLongTermEquityVolatilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_ReinsuranceRecoverablesCeded" abstract="false" name="ReinsuranceRecoverablesCeded" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_GainLossOnRepurchaseOfDebtInstrumentPrincipal" abstract="false" name="GainLossOnRepurchaseOfDebtInstrumentPrincipal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_UniversalLifeAndInvestmentTypeProductPolicyFeesAbstract" abstract="true" name="UniversalLifeAndInvestmentTypeProductPolicyFeesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bhf_DebtServiceCoverageAxis" abstract="true" name="DebtServiceCoverageAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bhf_DebtServiceCoverageDomain" abstract="true" name="DebtServiceCoverageDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDebtSecuritiesThatWereTemporarilyImpaired" abstract="false" name="NetUnrealizedInvestmentGainsLossesIncludedInAccumulatedOtherComprehensiveIncomeLossRelatedToDebtSecuritiesThatWereTemporarilyImpaired" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_BHFSeniorNotesDue2030Member" abstract="true" name="BHFSeniorNotesDue2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_ScheduleOfFinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePriceTableTextBlock" abstract="false" name="ScheduleOfFinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePriceTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bhf_FinancialInstrumentIncomeProducingStatusAxis" abstract="true" name="FinancialInstrumentIncomeProducingStatusAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
</xs:schema>
