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    <element id="SNFCA_StockIssuedDuringPeriodSharesStockOptionExercised" name="StockIssuedDuringPeriodSharesStockOptionExercised" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_PreneedLandSale" name="PreneedLandSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_DeferredPlicyAndPreneedContractAcquisitionCosts" name="DeferredPlicyAndPreneedContractAcquisitionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_OperatingCashFlowsFromOperatingLeases" name="OperatingCashFlowsFromOperatingLeases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_OperatingCashFlowsFromFinanceLeases" name="OperatingCashFlowsFromFinanceLeases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FinancingCashFlowsFromFinanceLeases" name="FinancingCashFlowsFromFinanceLeases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FinanceLeaseRightOfUseAssetGross" name="FinanceLeaseRightOfUseAssetGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_FinancingReceivableOriginatedTwoToFiveYearsBeforeLatestFiscalYear" name="FinancingReceivableOriginatedTwoToFiveYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_LetterOfCreditAggregating" name="LetterOfCreditAggregating" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_PolicyAndOtherLoanReceivableNet1" name="PolicyAndOtherLoanReceivableNet1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
</schema>
