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  <xs:element id="met_BaaMember" abstract="true" name="BaaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_BMember" abstract="true" name="BMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_CaaMember" abstract="true" name="CaaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_BaMember" abstract="true" name="BaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_DerivativeAssetFairValueGrossAssetExcludingAccruals" abstract="false" name="DerivativeAssetFairValueGrossAssetExcludingAccruals" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_DerivativeLiabilityFairValueGrossLiabilityExcludingAccruals" abstract="false" name="DerivativeLiabilityFairValueGrossLiabilityExcludingAccruals" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_DerivativeAssetCollateralObligationToReturnSecuritiesOffset" abstract="false" name="DerivativeAssetCollateralObligationToReturnSecuritiesOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_DerivativeLiabilityCollateralRightToReclaimSecuritiesOffset" abstract="false" name="DerivativeLiabilityCollateralRightToReclaimSecuritiesOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_DerivativesSubjectToCreditContingentProvisionsMember" abstract="true" name="DerivativesSubjectToCreditContingentProvisionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_DerivativesNotSubjectToCreditContingentProvisionsMember" abstract="true" name="DerivativesNotSubjectToCreditContingentProvisionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_LocationStatementOfFinancialPositionBalanceAxis" abstract="true" name="LocationStatementOfFinancialPositionBalanceAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="met_LocationStatementOfFinancialPositionBalanceDomain" abstract="true" name="LocationStatementOfFinancialPositionBalanceDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_StatementOfIncomeLocationBalanceAxis" abstract="true" name="StatementOfIncomeLocationBalanceAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="met_StatementOfIncomeLocationBalanceDomain" abstract="true" name="StatementOfIncomeLocationBalanceDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_CollateralAmountNotProvidedDuetoDowngradeThreshold" abstract="false" name="CollateralAmountNotProvidedDuetoDowngradeThreshold" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_StatementOfFinancialPositionLocationBalanceAxis" abstract="true" name="StatementOfFinancialPositionLocationBalanceAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="met_StatementOfFinancialPositionLocationBalanceDomain" abstract="true" name="StatementOfFinancialPositionLocationBalanceDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_FundsWithheldAndGuaranteesOnReinsuranceMember" abstract="true" name="FundsWithheldAndGuaranteesOnReinsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_FixedannuitieswithequityindexedreturnsMember" abstract="true" name="FixedannuitieswithequityindexedreturnsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_FundsWithheldOnCededReinsuranceChariotRe.Member" abstract="true" name="FundsWithheldOnCededReinsuranceChariotRe.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_UsGaap_OtherLiabilitiesNonCurrentMember" abstract="true" name="UsGaap_OtherLiabilitiesNonCurrentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_InvestmentFunds" abstract="false" name="InvestmentFunds" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_ReinsuredMRBAssets" abstract="false" name="ReinsuredMRBAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_ContractholderDirectedEquitySecuritiesAtEstimatedFairValue" abstract="false" name="ContractholderDirectedEquitySecuritiesAtEstimatedFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_FairValueOptionSecuritiesAtEstimatedFairValue" abstract="false" name="FairValueOptionSecuritiesAtEstimatedFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_MarketRiskBenefitFinancialInstrumentsMember" abstract="true" name="MarketRiskBenefitFinancialInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_MeasurementInputSwapYieldMember" abstract="true" name="MeasurementInputSwapYieldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_MortalityRatesRangeOneMember" abstract="true" name="MortalityRatesRangeOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_MortalityRatesRangeTwoMember" abstract="true" name="MortalityRatesRangeTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_MortalityRatesRangeThreeMember" abstract="true" name="MortalityRatesRangeThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_LapseRatesDurationRangeOneMember" abstract="true" name="LapseRatesDurationRangeOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_LapseRatesDurationRangeTwoMember" abstract="true" name="LapseRatesDurationRangeTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_LapseRatesDurationRangeThreeMember" abstract="true" name="LapseRatesDurationRangeThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_MeasurementInputLongTermEquityVolatilityMember" abstract="true" name="MeasurementInputLongTermEquityVolatilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_StructuredSecuritiesMember" abstract="true" name="StructuredSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_FVOAndTradingSecuritiesMember" abstract="true" name="FVOAndTradingSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_SeparateAccountAssetsMember" abstract="true" name="SeparateAccountAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_NotesIssuedByConsolidatedVIEMember" abstract="true" name="NotesIssuedByConsolidatedVIEMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_NetDerivativesMember" abstract="true" name="NetDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_InvestedAssetsHeldByCFEsMember" abstract="true" name="InvestedAssetsHeldByCFEsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_NotesIssuedByCFEsMember" abstract="true" name="NotesIssuedByCFEsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_FairValueMortgageLoansNetNotOnRecurringBasis" abstract="false" name="FairValueMortgageLoansNetNotOnRecurringBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_OtherInvestmentsFairValueDisclosure" abstract="false" name="OtherInvestmentsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_PolicyholderContractDepositsFairValueDisclosure" abstract="false" name="PolicyholderContractDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_SeriesAJuniorPreferredStockMember" abstract="true" name="SeriesAJuniorPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_NotDesignatedPreferredStockMember" abstract="true" name="NotDesignatedPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_EquityCommonStockRepurchaseAuthorizationAbstract" abstract="true" name="EquityCommonStockRepurchaseAuthorizationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="met_May12024AuthorizationMember" abstract="true" name="May12024AuthorizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_April302025AuthorizationMember" abstract="true" name="April302025AuthorizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_TreasuryStockValueAcquiredCostMethodNetOfExciseTax" abstract="false" name="TreasuryStockValueAcquiredCostMethodNetOfExciseTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_PerformanceFactor" abstract="false" name="PerformanceFactor" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="met_FuturePerformanceFactor" abstract="false" name="FuturePerformanceFactor" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="met_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPaidInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPaidInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="met_VisionFeeForServiceArrangementsMember" abstract="true" name="VisionFeeForServiceArrangementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_PrepaidlegalplansandadministrativeonlycontractsMember" abstract="true" name="PrepaidlegalplansandadministrativeonlycontractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_FeebasedinvestmentmanagementservicesMember" abstract="true" name="FeebasedinvestmentmanagementservicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_OtherrevenuefromservicecontractsfromcustomersMember" abstract="true" name="OtherrevenuefromservicecontractsfromcustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_ContingenciesCommitmentsandGuaranteesAbstract" abstract="true" name="ContingenciesCommitmentsandGuaranteesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="met_IndemnitiesAndGuaranteesContractualLimitationRange" abstract="false" name="IndemnitiesAndGuaranteesContractualLimitationRange" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="met_ReinsuranceAgreementMember" abstract="true" name="ReinsuranceAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="met_ChariotReMember" abstract="true" name="ChariotReMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
