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    <element id="SNFCA_TransferToMortgageLoansHeldForInvestment" name="TransferToMortgageLoansHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FairValueLossesGainsIncludedInEarnings" name="FairValueLossesGainsIncludedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_TotalGainsLossesIncludedInOtherComprehensiveIncome" name="TotalGainsLossesIncludedInOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AssetsFairValueDisclosureNonrecurring2" name="AssetsFairValueDisclosureNonrecurring2" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FairValueOfPolicyAndOtherLoansReceivable" name="FairValueOfPolicyAndOtherLoansReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FairValueOfCemeteryPerpetualCareTrustInvestments" name="FairValueOfCemeteryPerpetualCareTrustInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FairValueOfFuturePolicyBenefitsAndUnpaidClaims" name="FairValueOfFuturePolicyBenefitsAndUnpaidClaims" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_InterestSensitiveInsuranceProductsRangePercentage" name="InterestSensitiveInsuranceProductsRangePercentage" nillable="true" xbrli:periodType="duration" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AdjustmentOfDebt" name="AdjustmentOfDebt" nillable="true" xbrli:periodType="instant" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_PaymentForOtherLiabilities" name="PaymentForOtherLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_LoanCommitmentRanges" name="LoanCommitmentRanges" nillable="true" xbrli:periodType="instant" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_SaleOfMortgageServicingRights" name="SaleOfMortgageServicingRights" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_MortgageServicingRightsWriteDownOtherThanTemporaryImpairment" name="MortgageServicingRightsWriteDownOtherThanTemporaryImpairment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_ValuationAllowanceImpairmentOfMortgageServicingRights" name="ValuationAllowanceImpairmentOfMortgageServicingRights" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_ServicingUnpaidPrincipalBalance" name="ServicingUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_PrepaymentSpeeds" name="PrepaymentSpeeds" nillable="true" xbrli:periodType="duration" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AverageLifeInYears" name="AverageLifeInYears" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_DiscountRate" name="DiscountRate" nillable="true" xbrli:periodType="duration" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_ReceivablesFromSalesAgents" name="ReceivablesFromSalesAgents" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AllowanceForDoubtfulAccountsReceivableChargeOffs" name="AllowanceForDoubtfulAccountsReceivableChargeOffs" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AggregateFairValueAllowanceForCreditLosses" name="AggregateFairValueAllowanceForCreditLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_UnrealizedNetGainsOnAvailableForSaleSecurities" name="UnrealizedNetGainsOnAvailableForSaleSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_IncreaseDecreaseInUnrealizedNetGainsOnAvailableForSaleSecurities" name="IncreaseDecreaseInUnrealizedNetGainsOnAvailableForSaleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_UnrealizedGainsOnRestrictedAssets" name="UnrealizedGainsOnRestrictedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_IncreaseDececreaseInUnrealizedGainsOnRestrictedAssets" name="IncreaseDececreaseInUnrealizedGainsOnRestrictedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_UnrealizedGainsOnCemeteryPerpetualCareTrustInvestments1" name="UnrealizedGainsOnCemeteryPerpetualCareTrustInvestments1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_IncreaseDececreaseInUnrealizedGainsOnCemeteryPerpetualCareTrustInvestments" name="IncreaseDececreaseInUnrealizedGainsOnCemeteryPerpetualCareTrustInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_IncreaseDecreaseInOtherComprehensiveIncomeBalance" name="IncreaseDecreaseInOtherComprehensiveIncomeBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_StockIssuedDuringPeriodValueCumulativeEffectAdjustmentOfNewAccountingStandard" name="StockIssuedDuringPeriodValueCumulativeEffectAdjustmentOfNewAccountingStandard" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
</schema>
