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  <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_DebtSecuritiesAvailableForSaleWithAllowanceForCreditLossNumberOfPositions" abstract="false" name="DebtSecuritiesAvailableForSaleWithAllowanceForCreditLossNumberOfPositions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bhf_AuthorizationUnder10b51PlanMember" abstract="true" name="AuthorizationUnder10b51PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_VariableAnnuityAndVariableLifeMember" abstract="true" name="VariableAnnuityAndVariableLifeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_Liabilitiesforguaranteesonlongdurationcontractsreinsurancerecoverableincurredbenefitsnet" abstract="false" name="Liabilitiesforguaranteesonlongdurationcontractsreinsurancerecoverableincurredbenefitsnet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_DirectindexlinkedannuitiesMember" abstract="true" name="DirectindexlinkedannuitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_FiveLargestCededReinsurersMember" abstract="true" name="FiveLargestCededReinsurersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_LifeMember" abstract="true" name="LifeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_ExpirationPeriodSecondFourYearsByDeferredTaxAssetMember" abstract="true" name="ExpirationPeriodSecondFourYearsByDeferredTaxAssetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_ChangesInNetUnrealizedInvestmentGainsLossesRelatedToInsuranceLiabilityGainLossRecognition" abstract="false" name="ChangesInNetUnrealizedInvestmentGainsLossesRelatedToInsuranceLiabilityGainLossRecognition" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_SupplementaryInsuranceInformationUnearnedRevenue" abstract="false" name="SupplementaryInsuranceInformationUnearnedRevenue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AaaAaMember" abstract="true" name="AaaAaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_BLICRepurchaseFacilityMember" abstract="true" name="BLICRepurchaseFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_DebtServiceCoverageAxis" abstract="true" name="DebtServiceCoverageAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bhf_OtherIncomeCeded" abstract="false" name="OtherIncomeCeded" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_AnnuitiesMember" abstract="true" name="AnnuitiesMember" 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-types:domainItemType"/>
  <xs:element id="bhf_Percentofcashsavingsincludedintaxreceivableagreement" abstract="false" name="Percentofcashsavingsincludedintaxreceivableagreement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bhf_IncomeTaxExpenseOnChangeInUnrealizedGainOrLoss" abstract="false" name="IncomeTaxExpenseOnChangeInUnrealizedGainOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhf_RevolvingCreditFacilityMaturing2024Member" abstract="true" name="RevolvingCreditFacilityMaturing2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_LtvLessThan65PercentMember" abstract="true" name="LtvLessThan65PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_RestrictedCashAndCashEquivalentsMember" abstract="true" name="RestrictedCashAndCashEquivalentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhf_TermLoanDue2030Member" abstract="true" name="TermLoanDue2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_IncomeLossBeforeEquityInEarningsLossesOfSubsidiaries" abstract="false" name="IncomeLossBeforeEquityInEarningsLossesOfSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
