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    <element id="SNFCA_IntersegmentRevenues" name="IntersegmentRevenues" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_IdentifiableAssets" name="IdentifiableAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_CemeteryPerpetualCareTrustInvestments1" name="CemeteryPerpetualCareTrustInvestments1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_CemeteryPerpetualCareTrustInvestments2" name="CemeteryPerpetualCareTrustInvestments2" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_DerivativesInterestRateLockCommitments" name="DerivativesInterestRateLockCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AssetsFairValueDisclosureRecurring1" name="AssetsFairValueDisclosureRecurring1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_DerivativesBankLoanInterestRateSwapsCallOptions" name="DerivativesBankLoanInterestRateSwapsCallOptions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_DerivativesBankLoanInterestRateSwapsPutOptions" name="DerivativesBankLoanInterestRateSwapsPutOptions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_DerivativesBankLoanInterestRateSwapsInterestRateLockCommitments" name="DerivativesBankLoanInterestRateSwapsInterestRateLockCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityRangeOfInputsMinimum" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityRangeOfInputsMinimum" nillable="true" xbrli:periodType="duration" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityRangeOfInputsMaximum" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityRangeOfInputsMaximum" nillable="true" xbrli:periodType="duration" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityWeightedAverage" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityWeightedAverage" nillable="true" xbrli:periodType="duration" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityOfInputsMinimum" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityOfInputsMinimum" nillable="true" xbrli:periodType="duration" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityRangeInputsMaximum" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityRangeInputsMaximum" nillable="true" xbrli:periodType="duration" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityWeightedAveragePricePerShare" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityWeightedAveragePricePerShare" nillable="true" xbrli:periodType="duration" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_Originations" name="Originations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_Sales" name="Sales" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <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_FairValueOfFuturePolicyBenefitsAndUnpaidClaims" name="FairValueOfFuturePolicyBenefitsAndUnpaidClaims" 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_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_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_OtherRevenues" name="OtherRevenues" nillable="true" xbrli:periodType="duration" 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" />
</schema>
