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    <element id="snfc_SecuritiesOnDepositForRegulatoryAuthorities" name="SecuritiesOnDepositForRegulatoryAuthorities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ImpairmentLossesOnCommercialRealEstateHeldForSale" name="ImpairmentLossesOnCommercialRealEstateHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_SquareFootage" name="SquareFootage" nillable="true" xbrli:periodType="instant" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ForeclosedResidentialRealEstateIncludedInResidentialRealEstateHeldForInvestment" name="ForeclosedResidentialRealEstateIncludedInResidentialRealEstateHeldForInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ImpairmentLossesOnResidentialRealEstateHeldForInvestment" name="ImpairmentLossesOnResidentialRealEstateHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_SquareFootageOccupiedByTheCompany" name="SquareFootageOccupiedByTheCompany" nillable="true" xbrli:periodType="instant" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ApproximateSquareFootage" name="ApproximateSquareFootage" nillable="true" xbrli:periodType="instant" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_AllowanceForCreditLossesChargeOffs" name="AllowanceForCreditLossesChargeOffs" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_AllowanceForCreditLossesProvision" name="AllowanceForCreditLossesProvision" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_MortgageLoans" name="MortgageLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_MortgageLoansDuringPeriod" name="MortgageLoansDuringPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_MortgageLoansAllowanceForLoanLosses" name="MortgageLoansAllowanceForLoanLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_MortgageLoansUnamortizedDeferredLoanFeesNet" name="MortgageLoansUnamortizedDeferredLoanFeesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_MortgageLoansUnamortizedDiscountsNet" name="MortgageLoansUnamortizedDiscountsNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ImpairedFinancingReceivableWithNoRelatedAllowance" name="ImpairedFinancingReceivableWithNoRelatedAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_InterestNotAccruedOnNonPerformingLoans" name="InterestNotAccruedOnNonPerformingLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_AggregateFairValueLoansHeldForSale" name="AggregateFairValueLoansHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_AggregateUnpaidPrincipalBalanceLoansHeldForSale" name="AggregateUnpaidPrincipalBalanceLoansHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_UnrealizedGainLoansHeldForSale" name="UnrealizedGainLoansHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_BeginningLoanLossReserve" name="BeginningLoanLossReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_LoanLossReserveProvisionsForLosses" name="LoanLossReserveProvisionsForLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_LoanLossReserveChargeOffs" name="LoanLossReserveChargeOffs" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_EndingLoanLossReserve" name="EndingLoanLossReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_TotalIntrinsicValue" name="TotalIntrinsicValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_FundsReservedAndAccruedToSettleInvestorRelatedClaims" name="FundsReservedAndAccruedToSettleInvestorRelatedClaims" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_CommitmentsToFundNewResidentialConstructionLoans" name="CommitmentsToFundNewResidentialConstructionLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_CommitmentsToFundNewResidentialConstructionLoansFunded" name="CommitmentsToFundNewResidentialConstructionLoansFunded" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_BalanceBeforeValuationAllowanceAtBeginningOfYear" name="BalanceBeforeValuationAllowanceAtBeginningOfYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_MsrsProceedsFromLoanSales" name="MsrsProceedsFromLoanSales" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_Amortization" name="Amortization" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ApplicationOfValuationAllowanceToWriteDownMsrsWithOtherThanTemporaryImpairment" name="ApplicationOfValuationAllowanceToWriteDownMsrsWithOtherThanTemporaryImpairment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_BalanceBeforeValuationAllowanceAtYearEnd" name="BalanceBeforeValuationAllowanceAtYearEnd" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_EstimatedFairValueOfMsrsAtEndOfPeriod" name="EstimatedFairValueOfMsrsAtEndOfPeriod" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_RevenueRecognizedIncludedInTheOpeningContractLiability" name="RevenueRecognizedIncludedInTheOpeningContractLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestmentsAndPolicyLoans" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestmentsAndPolicyLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForInvestment" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="snfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFuturePolicyBenefitsAndUnpaidClaims" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFuturePolicyBenefitsAndUnpaidClaims" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_CashReceivedForReinsuranceAssumed" name="CashReceivedForReinsuranceAssumed" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFixedMaturitySecuritiesAvailableForSale" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFixedMaturitySecuritiesAvailableForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFixedMaturitySecuritiesHeldToMaturity" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFixedMaturitySecuritiesHeldToMaturity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestments" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInvestmentIncome" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInvestmentIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="snfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReceivablesFromReinsurers" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReceivablesFromReinsurers" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedValueOfBusinessAcquired" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedValueOfBusinessAcquired" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_FairValueOfAssetsAcquiredNetOfCash" name="FairValueOfAssetsAcquiredNetOfCash" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_FairValueBalance" name="FairValueBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_Originations" name="Originations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_Sales" name="Sales" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_TransferToMortgageLoansHeldForInvestment" name="TransferToMortgageLoansHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_TransferFromFixedMaturitySecuritiesHeldToMaturity" name="TransferFromFixedMaturitySecuritiesHeldToMaturity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_FairValueLossesGainsIncludedInEarnings" name="FairValueLossesGainsIncludedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_TotalGainsLossesIncludedInOtherComprehensiveIncome" name="TotalGainsLossesIncludedInOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ImpairedRealEstateHeldForInvestment" name="ImpairedRealEstateHeldForInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_AssetsFairValueDisclosureNonrecurring2" name="AssetsFairValueDisclosureNonrecurring2" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityRangeOfInputsMinimum" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityRangeOfInputsMinimum" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityRangeOfInputsMaximum" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityRangeOfInputsMaximum" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityWeightedAverage" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityWeightedAverage" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
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    <element id="snfc_AggregateFairValueCemetaryPerpetualCareTrustInvestments" name="AggregateFairValueCemetaryPerpetualCareTrustInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_MortgageLoansHeldForInvestmentForeclosedIntoRealEstateHeldForInvestment" name="MortgageLoansHeldForInvestmentForeclosedIntoRealEstateHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="snfc_UnrecognizedCompensationExpenseRelatedToTheOptionsIssuedInDecember2014" name="UnrecognizedCompensationExpenseRelatedToTheOptionsIssuedInDecember2014" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="snfc_DerivativesInterestRateLockCommitments" name="DerivativesInterestRateLockCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_CemeteryPerpetualCareTrustInvestments2" name="CemeteryPerpetualCareTrustInvestments2" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_CemeteryPerpetualCareTrustInvestments1" name="CemeteryPerpetualCareTrustInvestments1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_RestrictedAssetsOfCemeteriesAndMortuaries1" name="RestrictedAssetsOfCemeteriesAndMortuaries1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_RestrictedAssetsOfCemeteriesAndMortuaries" name="RestrictedAssetsOfCemeteriesAndMortuaries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_DerivativesBankLoanInterestRateSwapsInterestRateLockCommitments" name="DerivativesBankLoanInterestRateSwapsInterestRateLockCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_DerivativesBankLoanInterestRateSwapsPutOptions" name="DerivativesBankLoanInterestRateSwapsPutOptions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_DerivativesBankLoanInterestRateSwapsCallOptions" name="DerivativesBankLoanInterestRateSwapsCallOptions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ConversionClassCToClassA" name="ConversionClassCToClassA" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_StockDividends" name="StockDividends" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ExerciseOfStockOptions" name="ExerciseOfStockOptions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_SaleOfTreasuryStock" name="SaleOfTreasuryStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="snfc_MortgageServicingRightsNet" name="MortgageServicingRightsNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ReinsuranceReserveCreditForLosses" name="ReinsuranceReserveCreditForLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="snfc_LoansHeldForSale" name="LoansHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_PolicyAndOtherLoansReceivableNet1" name="PolicyAndOtherLoansReceivableNet1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_CemeteryPerpetualCareTrustObligation" name="CemeteryPerpetualCareTrustObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_OtherPolicyholderBenefits" name="OtherPolicyholderBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_PolicyholderDeathBenefits" name="PolicyholderDeathBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_CostOfFundingMortgageLoans" name="CostOfFundingMortgageLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_OtherComprehensiveIncomeTaxExpenseBenefit" name="OtherComprehensiveIncomeTaxExpenseBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_UnrealizedGainsOnCemeteryPerpetualCareTrustInvestments3" name="UnrealizedGainsOnCemeteryPerpetualCareTrustInvestments3" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_UnrealizedGainsOnRestrictedAssets1" name="UnrealizedGainsOnRestrictedAssets1" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_AccumulatedOtherComprehensiveIncomeUnrealizedGainsLossesOnAvailableForSaleSecurities" name="AccumulatedOtherComprehensiveIncomeUnrealizedGainsLossesOnAvailableForSaleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_PaymentsToAcquireSubsidiariesNetOfCashAcquired" name="PaymentsToAcquireSubsidiariesNetOfCashAcquired" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="snfc_ContractualServicingFeesMember" name="ContractualServicingFeesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_LateFeesMember" name="LateFeesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ReceivablesMember" name="ReceivablesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ContractAssetMember" name="ContractAssetMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ContractLiabilityMember" name="ContractLiabilityMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_MajorGoodsOrServicesLinesAtNeedMember" name="MajorGoodsOrServicesLinesAtNeedMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_MajorGoodsOrServicesLinesPreNeedMember" name="MajorGoodsOrServicesLinesPreNeedMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_TimingOfRevenueRecognitionGoodsTransferredAtAPointInTimeMember" name="TimingOfRevenueRecognitionGoodsTransferredAtAPointInTimeMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_TimingOfRevenueRecognitionServicesTransferredAtAPointInTimeMember" name="TimingOfRevenueRecognitionServicesTransferredAtAPointInTimeMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_KilpatrickLifeInsuranceCoMember" name="KilpatrickLifeInsuranceCoMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_CoinsuranceAgreementMember" name="CoinsuranceAgreementMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_FixedMaturitySecuritiesAvailableForSale1Member" name="FixedMaturitySecuritiesAvailableForSale1Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_MortgageLoansNet1Member" name="MortgageLoansNet1Member" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_PolicyLoanMember" name="PolicyLoanMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_RestrictedAssets1Member" name="RestrictedAssets1Member" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_MortgageServicingRightsMember" name="MortgageServicingRightsMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_BankAndOtherLoansPayableMember" name="BankAndOtherLoansPayableMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_PolicyholderAccountBalancesMember" name="PolicyholderAccountBalancesMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_FuturePolicyBenefitsAnnuitiesMember" name="FuturePolicyBenefitsAnnuitiesMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_CemeteryPerpetualCareTrustInvestments2Member" name="CemeteryPerpetualCareTrustInvestments2Member" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_KilpatrickMember" name="KilpatrickMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ClassACommonStockMember" name="ClassACommonStockMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ClassCCommonStockMember" name="ClassCCommonStockMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_TimeDurationAxis" name="TimeDurationAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="snfc_TimeDurationDomain" name="TimeDurationDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ContractualMaturityAxis" name="ContractualMaturityAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="snfc_ContractualMaturityDomain" name="ContractualMaturityDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_GainsLossesOnInvestmentsByCategoryAxis" name="GainsLossesOnInvestmentsByCategoryAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="snfc_GainsLossesOnInvestmentsByCategoryDomain" name="GainsLossesOnInvestmentsByCategoryDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_RestrictedAssetsAxis" name="RestrictedAssetsAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="snfc_RestrictedAssetsDomain" name="RestrictedAssetsDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_AgingOfLoansAxis" name="AgingOfLoansAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="snfc_AgingOfLoansDomain" name="AgingOfLoansDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_CreditQualityIndicatorAxis" name="CreditQualityIndicatorAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="snfc_CreditQualityIndicatorDomain" name="CreditQualityIndicatorDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_PerShareSharesGranted" name="PerShareSharesGranted" nillable="true" xbrli:periodType="duration" type="num:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_PerShareSharesCancelled" name="PerShareSharesCancelled" nillable="true" xbrli:periodType="duration" type="num:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_FairValueOfFinancialInstrumentsScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssets...Abstract" name="FairValueOfFinancialInstrumentsScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssets...Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_Level3InputsAxis" name="Level3InputsAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="snfc_Level3InputsDomain" name="Level3InputsDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_ReceivablesContractAssetsAndContractLiabilitiesAxis" name="ReceivablesContractAssetsAndContractLiabilitiesAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="snfc_ReceivablesContractAssetsAndContractLiabilitiesDomain" name="ReceivablesContractAssetsAndContractLiabilitiesDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="snfc_AcquisitionsEstimatedFairValuesOfAssetsAcquiredAndLiabilitiesAssumedDetailsAbstract" name="AcquisitionsEstimatedFairValuesOfAssetsAcquiredAndLiabilitiesAssumedDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
</schema>
