UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 12b-25
                           NOTIFICATION OF LATE FILING

                         Commission File Number: 2-35669


(Check One)

         Form 10-K  and Form 10-KSB  Form 11-K

         Form 20-F X Form 10-Q and Form 10-QSB  Form N-SAR

         For period ended:  March 31, 2000

         Transition Report on Form 10-K and Form 10-KSB

         Transition Report on Form 20-F

         Transition Report on Form 11-K

         Transition Report on Form 10-Q and Form 10-QSB

         Transition Report on Form N-SAR

         For the Transition Period Ended:

         Read Attached Instruction Sheet Before Preparing Form.
         Please Print or Type.

Nothing  in this  form  shall be  construed  to imply  that the  Commission  has
verified any information contained herein.

If the notification relates to a portion of the filling checked above,  identify
the Item(s) to which the notification relates:

                                     PART I
                             REGISTRANT INFORMATION

Full name of registrant:   Security National Life Insurance Company

Former Name if Applicable:

Address of Principal Executive Office (Street and Number)

                  5300 South 360 West, Suite 250
                  Salt Lake City, Utah 84123

                                     PART II
                             RULES 12b-25(b) AND (c)

If the subject report could not be filed without  unreasonable effort or expense
and the  registrant  seeks relief  pursuant to Rule  132b-25(b),  the  following
should be completed. (Check box if appropriate).

(a)  The reasons  described in reasonable  detail in Part III of this form could
     not be eliminated without unreasonable effort or expense:

X    (b) The subject annual report,  semi-annual  report,  transition  report on
     Form 10-K, Form 20-F, 11-K or form N-SAR, or portion thereof, will be filed
     on or before the fifteenth  calendar day following the prescribed due date;
     or the  subject  quarterly  report of  transition  report on Form 10-Q,  or
     portion thereof will be filed on or before the fifth calendar day following
     the prescribed due date; and

(c)  The  accountant's  statement or other exhibit required by Rule 12(b)- 25(c)
     has been attached if applicable.

                                    PART III
                                    NARRATIVE

State below in reasonable detail the reasons why Forms 10-K, 11-K, 10-Q, N- SAR,
or the  transition  report or  portion  thereof,  could not be filed  within the
prescribed time period. (Attach extra sheets if needed.)

The Form 10-Q cannot be completed  within the  requested  time period due to the
additional  time  required to complete the financial  statements of  registrant,
primarily as a result of the change in personnel in the accounting department of
Southern Security Life Insurance Company ("Southern Security"), which registrant
operates as a subsidiary due to the December 19, 1998  acquisition by registrant
of 57.4% of the outstanding shares of common stock of Southern Security.

                                     PART IV
                                OTHER INFORMATION

(1)  Name  and  telephone  number  of  person  to  contact  in  regard  to  this
     notification

     Randall A. Mackey           801          575-5000
     (name)                  (area code)   (telephone number)

(2)  Have all other periodic  reports  required under Section 13 or 15(d) of the
     Securities Exchange Act of 1934 or Section 30 of the Investment Company Act
     of 1940 during the  preceding 12 months (or for such  shorter)  period that
     the registrant was required to file such report(s) been filed? If answer is
     no, identify report(s).

                  X  Yes            [ ] No

(3)  Is it anticipated that any significant change in results of operations from
     the corresponding  period for the last fiscal year will be reflected by the
     earnings  statements  to be  included  in the  subject  report  or  portion
     thereof?

If so, attach an explanation of the  anticipated  change,  both  narratively and
quantitatively, and, if appropriate, state the reasons why a reasonable estimate
of the results cannot be made.

                  [ ] Yes           X  No

                     Security National Financial Corporation
                  (Name of Registrant as Specified in Charter)

Has  caused  this  notification  to be signed on its  behalf by the  undersigned
hereunto duly authorized.

Date:        May 15, 2000                   By:  Scott M. Quist
                                            Scott M. Quist
                                            First Vice President, General
                                            Counsel and Treasurer