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  <xs:element id="bhl_NetDerivativesMember" abstract="true" name="NetDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhl_FairValueMortgageLoansNetNotOnRecurringBasis" abstract="false" name="FairValueMortgageLoansNetNotOnRecurringBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhl_OtherInvestmentsFairValueDisclosure" abstract="false" name="OtherInvestmentsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhl_PolicyholderContractDepositsFairValueDisclosure" abstract="false" name="PolicyholderContractDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhl_TransitionServicesAgreements" abstract="false" name="TransitionServicesAgreements" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhl_NonLitigationLossMember" abstract="true" name="NonLitigationLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhl_ScheduleOfEffectOfReinsuranceOnIncomeStatementTable" abstract="true" name="ScheduleOfEffectOfReinsuranceOnIncomeStatementTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bhl_AssumedReinsuranceMember" abstract="true" name="AssumedReinsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhl_ReinsuranceDisclosureLineItems" abstract="true" name="ReinsuranceDisclosureLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bhl_AssumedOtherExpenses" abstract="false" name="AssumedOtherExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bhl_AllServicesandTransactionsExceptBrokerDealerActivitiesMember" abstract="true" name="AllServicesandTransactionsExceptBrokerDealerActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bhl_BrokerDealerActivitiesMember" abstract="true" name="BrokerDealerActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
