-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0001096906-10-000316.txt : 20100324
<SEC-HEADER>0001096906-10-000316.hdr.sgml : 20100324
<ACCEPTANCE-DATETIME>20100324163751
ACCESSION NUMBER:		0001096906-10-000316
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20091204
FILED AS OF DATE:		20100324
DATE AS OF CHANGE:		20100324

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			MOODY H. CRAIG
		CENTRAL INDEX KEY:			0001298129

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-09341
		FILM NUMBER:		10702154

	MAIL ADDRESS:	
		STREET 1:		11892 SOUTH BROOKGLEN DRIVE
		CITY:			SANDY
		STATE:			UT
		ZIP:			84092

	FORMER NAME:	
		FORMER CONFORMED NAME:	Moody Howard Craig
		DATE OF NAME CHANGE:	20040722

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SECURITY NATIONAL FINANCIAL CORP
		CENTRAL INDEX KEY:			0000318673
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				870345941
		STATE OF INCORPORATION:			UT
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 57220
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84157
		BUSINESS PHONE:		8012641060

	MAIL ADDRESS:	
		STREET 1:		PO BOX 57220
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84157

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SNL FINANCIAL CORP
		DATE OF NAME CHANGE:	19910401
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0303</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2009-12-04</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000318673</issuerCik>
        <issuerName>SECURITY NATIONAL FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>SNFCA</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001298129</rptOwnerCik>
            <rptOwnerName>MOODY H. CRAIG</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>11892 SOUTH BROOKGLEN DRIVE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>SANDY</rptOwnerCity>
            <rptOwnerState>UT</rptOwnerState>
            <rptOwnerZipCode>84092</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2010-02-05</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F1"/>
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            <transactionTimeliness>
                <value>E</value>
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            <transactionAmounts>
                <transactionShares>
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                </transactionShares>
                <transactionPricePerShare>
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                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>3509</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
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        <nonDerivativeTransaction>
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            <transactionDate>
                <value>2010-02-05</value>
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                    <footnoteId id="F2"/>
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            </postTransactionAmounts>
            <ownershipNature>
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                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By wife</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable>
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            </securityTitle>
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                <footnoteId id="F3"/>
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            <transactionDate>
                <value>2005-11-01</value>
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            <transactionTimeliness>
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            </transactionTimeliness>
            <transactionAmounts>
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                    <footnoteId id="F3"/>
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                <transactionPricePerShare>
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                    <footnoteId id="F3"/>
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            <exerciseDate>
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            <expirationDate>
                <value>2010-11-01</value>
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                <underlyingSecurityTitle>
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        <derivativeTransaction>
            <securityTitle>
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            <transactionDate>
                <value>2006-12-07</value>
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                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
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            <transactionTimeliness>
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            <transactionAmounts>
                <transactionShares>
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                    <footnoteId id="F4"/>
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                <transactionPricePerShare>
                    <value>4.37</value>
                    <footnoteId id="F4"/>
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                <transactionAcquiredDisposedCode>
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            <exerciseDate>
                <value>2007-12-07</value>
            </exerciseDate>
            <expirationDate>
                <value>2016-12-07</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1216</value>
                    <footnoteId id="F4"/>
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            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1216</value>
                    <footnoteId id="F4"/>
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            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
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            </ownershipNature>
        </derivativeTransaction>
        <derivativeTransaction>
            <securityTitle>
                <value>Director Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>3.24</value>
                <footnoteId id="F5"/>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2007-12-07</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>1158</value>
                    <footnoteId id="F5"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>3.24</value>
                    <footnoteId id="F5"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2008-12-07</value>
            </exerciseDate>
            <expirationDate>
                <value>2017-12-07</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1158</value>
                    <footnoteId id="F5"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1158</value>
                    <footnoteId id="F5"/>
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            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
        <derivativeTransaction>
            <securityTitle>
                <value>Director Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>3.49</value>
                <footnoteId id="F6"/>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2008-03-31</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>2756</value>
                    <footnoteId id="F6"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>3.49</value>
                    <footnoteId id="F6"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2009-03-31</value>
            </exerciseDate>
            <expirationDate>
                <value>2018-03-31</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2756</value>
                    <footnoteId id="F6"/>
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            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2756</value>
                    <footnoteId id="F6"/>
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            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
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        </derivativeTransaction>
        <derivativeTransaction>
            <securityTitle>
                <value>Director Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>1.36</value>
                <footnoteId id="F7"/>
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            <transactionDate>
                <value>2008-12-05</value>
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            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
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            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>5513</value>
                    <footnoteId id="F7"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>1.36</value>
                    <footnoteId id="F7"/>
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                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2009-12-05</value>
            </exerciseDate>
            <expirationDate>
                <value>2018-12-05</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
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                    <footnoteId id="F7"/>
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                    <value>5513</value>
                    <footnoteId id="F7"/>
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        <derivativeTransaction>
            <securityTitle>
                <value>Director Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
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                <footnoteId id="F8"/>
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            <transactionDate>
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                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
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            <transactionTimeliness>
                <value></value>
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                <transactionShares>
                    <value>1103</value>
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                <transactionPricePerShare>
                    <value>1.28</value>
                    <footnoteId id="F8"/>
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            <exerciseDate>
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        <derivativeTransaction>
            <securityTitle>
                <value>Director Stock Option (right to buy)</value>
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            <conversionOrExercisePrice>
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                <footnoteId id="F9"/>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2009-12-04</value>
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                <transactionCode>I</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
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            <transactionTimeliness>
                <value></value>
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                <transactionShares>
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                    <footnoteId id="F9"/>
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                <transactionPricePerShare>
                    <value>3.35</value>
                    <footnoteId id="F9"/>
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                <transactionAcquiredDisposedCode>
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            <exerciseDate>
                <value>2010-03-31</value>
                <footnoteId id="F9"/>
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                <value>2019-12-04</value>
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            <underlyingSecurity>
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                    <value>Class A Common Stock</value>
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                    <value>5250</value>
                    <footnoteId id="F9"/>
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                    <value>5250</value>
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                    <value>D</value>
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        </derivativeTransaction>
        <derivativeTransaction>
            <securityTitle>
                <value>Director Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>3.35</value>
                <footnoteId id="F10"/>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2009-12-07</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
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            <transactionTimeliness>
                <value></value>
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                <transactionShares>
                    <value>1050</value>
                    <footnoteId id="F10"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>3.35</value>
                    <footnoteId id="F10"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
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            <exerciseDate>
                <value>2010-03-31</value>
                <footnoteId id="F10"/>
            </exerciseDate>
            <expirationDate>
                <value>2019-12-07</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1050</value>
                    <footnoteId id="F10"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1050</value>
                    <footnoteId id="F10"/>
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            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
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        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Received pursuant to a 5% stock dividend paid on February 5, 2010.</footnote>
        <footnote id="F2">The reporting person disclaims ownership of these securities, and this report shall not be deemed an admission that the reporting person is the beneficial owner of the securities for purposes of Section 16 or for any other purpose.</footnote>
        <footnote id="F3">This option was originally reported as covering 1,000 shares of Class A Common Stock under 2000 Director Stock Option Plan at an exercise price of $3.13 per share, but adjusted to reflect 5% stock dividends paid on February 17, 2006, February 9, 2007, February 8, 2008, February 6, 2009, and February 5, 2010.</footnote>
        <footnote id="F4">This option was originally reported as covering 1,000 shares of Class A Common Stock under 2006 Director Stock Option Plan at an exercise price of $5.31 per share, but adjusted to reflect 5% stock dividends paid on February 9, 2007, February 8, 2008, February 6, 2009, and February 5, 2010.</footnote>
        <footnote id="F5">This option was originally reported as covering 1,000 shares of Class A Common Stock under 2006 Director Stock Option Plan at an exercise price of $3.75 per share, but adjusted to reflect 5% stock dividends paid on February 8, 2008, February 6, 2009, and February 5, 2010.</footnote>
        <footnote id="F6">This option was originally reported as covering 2,500 shares of Class A Common Stock at an exercise price of $3.85 per share, but adjusted to reflect 5% stock dividends paid on February 6, 2009, and February 5, 2010.</footnote>
        <footnote id="F7">This option was granted on December 5, 2008 for 5,000 shares of Class A Common Stock at an exercise price of $1.50 per share, but adjusted to reflect 5% stock dividends paid on February 6, 2009, and February 5, 2010.</footnote>
        <footnote id="F8">This option was granted on December 7, 2008 for 1,000 shares of Class A Common Stock at an exercise price of $1.41 per share, but adjusted to reflect 5% stock dividends paid on February 6, 2009, and February 5, 2010.</footnote>
        <footnote id="F9">This option was granted on December 4, 2009 for 5,000 shares of Class A Common Stock at an exercise price of $3.52 per share, but adjusted to reflect a 5% stock dividend paid on February 5, 2010.  This option vests in four equal quarterly installments of Class A Common Stock over a one year period, beginning on March 31, 2010, until such shares are fully vested.</footnote>
        <footnote id="F10">This option was granted on December 7, 2009 for 1,000 shares of Class A Common Stock at an exercise price of $3.52 per share, but adjusted to reflect a 5% stock dividend paid on February 5, 2010.  This option vests in for four equal quarterly installments of Class A Common Stock over a one year period, beginning on March 31, 2010, until such shares are fully vested.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ H. Craig Moody</signatureName>
        <signatureDate>2010-03-23</signatureDate>
    </ownerSignature>
</ownershipDocument>
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</TEXT>
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-----END PRIVACY-ENHANCED MESSAGE-----
