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    <element id="SNFCA_ScheduleOfMajorCategoriesOfNetInvestmentIncomeTableTextBlock" name="ScheduleOfMajorCategoriesOfNetInvestmentIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_ScheduleOfStatutoryAccountingPracticesTextBlock" name="ScheduleOfStatutoryAccountingPracticesTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_ScheduleOfChangesInTheConsolidatedBalanceSheetLineItemsMeasuredUsingLevel3InputsTableTextBlock" name="ScheduleOfChangesInTheConsolidatedBalanceSheetLineItemsMeasuredUsingLevel3InputsTableTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_SquareFootageOccupiedByTheCompany" name="SquareFootageOccupiedByTheCompany" nillable="true" xbrli:periodType="instant" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_NetUnrealizedGainLossIncludingDerivatieBankLoansAndTaxBenefit" name="NetUnrealizedGainLossIncludingDerivatieBankLoansAndTaxBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_TransferOfLoansHeldForSaleToMortgageLoansHeldForInvestment" name="TransferOfLoansHeldForSaleToMortgageLoansHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
</schema>
