<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.5b -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: http://www.novaworks.co -->
    <!-- Field: Doc-Info; Name: Source; Value: snfc.xfr; Date: 2020%2D11%2D12T10:10:39Z -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
    <link:roleRef roleURI="http://securitynational.com/role/DocumentAndEntityInformation" xlink:href="snfc-20200930.xsd#DocumentAndEntityInformation" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/BalanceSheets" xlink:href="snfc-20200930.xsd#BalanceSheets" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/CondensedConsolidatedBalanceSheetsParenthetical" xlink:href="snfc-20200930.xsd#CondensedConsolidatedBalanceSheetsParenthetical" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/StatementsOfIncome" xlink:href="snfc-20200930.xsd#StatementsOfIncome" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/StatementOfComprehensiveIncome" xlink:href="snfc-20200930.xsd#StatementOfComprehensiveIncome" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/CondensedConsolidatedStatementsOfStockholdersEquity" xlink:href="snfc-20200930.xsd#CondensedConsolidatedStatementsOfStockholdersEquity" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/StatementsOfCashFlows" xlink:href="snfc-20200930.xsd#StatementsOfCashFlows" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/StatementOfCashFlowsContinued" xlink:href="snfc-20200930.xsd#StatementOfCashFlowsContinued" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/BasisOfPresentation" xlink:href="snfc-20200930.xsd#BasisOfPresentation" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure2RecentAccountingPronouncements" xlink:href="snfc-20200930.xsd#idr_Disclosure2RecentAccountingPronouncements" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure3Investments" xlink:href="snfc-20200930.xsd#idr_Disclosure3Investments" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure4LoansHeldForSale" xlink:href="snfc-20200930.xsd#idr_Disclosure4LoansHeldForSale" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/StockCompensationPlans" xlink:href="snfc-20200930.xsd#StockCompensationPlans" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure6EarningsPerShare" xlink:href="snfc-20200930.xsd#idr_Disclosure6EarningsPerShare" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/BusinessSegmentInformation" xlink:href="snfc-20200930.xsd#BusinessSegmentInformation" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure8FairValueOfFinancialInstruments" xlink:href="snfc-20200930.xsd#idr_Disclosure8FairValueOfFinancialInstruments" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/AllowanceForDoubtfulAccounts" xlink:href="snfc-20200930.xsd#AllowanceForDoubtfulAccounts" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure10DerivativeCommitments" xlink:href="snfc-20200930.xsd#idr_Disclosure10DerivativeCommitments" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/ReinsuranceCommitmentsAndContingencies" xlink:href="snfc-20200930.xsd#ReinsuranceCommitmentsAndContingencies" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/MortgageServicingRights" xlink:href="snfc-20200930.xsd#MortgageServicingRights" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/IncomeTaxes" xlink:href="snfc-20200930.xsd#IncomeTaxes" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/RevenuesFromContractsWithCustomers" xlink:href="snfc-20200930.xsd#RevenuesFromContractsWithCustomers" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/Acquisitions" xlink:href="snfc-20200930.xsd#Acquisitions" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/InvestmentsTables" xlink:href="snfc-20200930.xsd#InvestmentsTables" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/LoansHeldForSaleTables" xlink:href="snfc-20200930.xsd#LoansHeldForSaleTables" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/Stock-basedCompensationTables" xlink:href="snfc-20200930.xsd#Stock-basedCompensationTables" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/EarningsPerShareTables" xlink:href="snfc-20200930.xsd#EarningsPerShareTables" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/BusinessSegmentsInformationTables" xlink:href="snfc-20200930.xsd#BusinessSegmentsInformationTables" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/FairValueOfFinancialInstrumentsTables" xlink:href="snfc-20200930.xsd#FairValueOfFinancialInstrumentsTables" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/DerivativeCommitmentsTables" xlink:href="snfc-20200930.xsd#DerivativeCommitmentsTables" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/MortgageServicingRightssTables" xlink:href="snfc-20200930.xsd#MortgageServicingRightssTables" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/RevenuesFromContractsWithCustomersTables" xlink:href="snfc-20200930.xsd#RevenuesFromContractsWithCustomersTables" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/AcquisitionsTables" xlink:href="snfc-20200930.xsd#AcquisitionsTables" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsHeldToMaturitySecuritiesDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure3InvestmentsHeldToMaturitySecuritiesDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/InvestmentsScheduleOfUnrealizedLossOnInvestmentsDetails" xlink:href="snfc-20200930.xsd#InvestmentsScheduleOfUnrealizedLossOnInvestmentsDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/InvestmentsDetails" xlink:href="snfc-20200930.xsd#InvestmentsDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/InvestmentsInvestmentsClassifiedByContractualMaturityDateDetails" xlink:href="snfc-20200930.xsd#InvestmentsInvestmentsClassifiedByContractualMaturityDateDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/InvestmentsGainLossOnInvestmentsDetails" xlink:href="snfc-20200930.xsd#InvestmentsGainLossOnInvestmentsDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsNetCarryingAmountOfHeldToMaturitySecuritiesDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure3InvestmentsNetCarryingAmountOfHeldToMaturitySecuritiesDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsScheduleOfMajorCategoriesOfNetInvestmentIncomeDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure3InvestmentsScheduleOfMajorCategoriesOfNetInvestmentIncomeDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/InvestmentsNetInvestmentIncome-AdditionalDetails" xlink:href="snfc-20200930.xsd#InvestmentsNetInvestmentIncome-AdditionalDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsCommercialRealEstateHeldForInvestmentDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure3InvestmentsCommercialRealEstateHeldForInvestmentDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsCommercialRealEstateInvestmentDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure3InvestmentsCommercialRealEstateInvestmentDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/InvestmentsResidentialRealEstateHeldForInvestmentDetails" xlink:href="snfc-20200930.xsd#InvestmentsResidentialRealEstateHeldForInvestmentDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/InvestmentsResidentialRealEstateInvestmentDetails" xlink:href="snfc-20200930.xsd#InvestmentsResidentialRealEstateInvestmentDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/InvestmentsRealEstateOwnedAndOccupiedByCompanyDetails" xlink:href="snfc-20200930.xsd#InvestmentsRealEstateOwnedAndOccupiedByCompanyDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/InvestmentsScheduleOfAllowanceForLoanLossesAsContra-assetAccountDetails" xlink:href="snfc-20200930.xsd#InvestmentsScheduleOfAllowanceForLoanLossesAsContra-assetAccountDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/InvestmentsScheduleOfAgingOfMortgageLoansDetails" xlink:href="snfc-20200930.xsd#InvestmentsScheduleOfAgingOfMortgageLoansDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsScheduleOfImpairedMortgageLoansDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure3InvestmentsScheduleOfImpairedMortgageLoansDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsScheduleOfCreditRiskOfMortgageLoansBasedOnPerformanceStatusDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure3InvestmentsScheduleOfCreditRiskOfMortgageLoansBasedOnPerformanceStatusDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsSummaryOfInterestNotAccruedOnNonPerformingMortgageLoansDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure3InvestmentsSummaryOfInterestNotAccruedOnNonPerformingMortgageLoansDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsScheduleOfMortgageLoansOnANonaccrualStatusDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure3InvestmentsScheduleOfMortgageLoansOnANonaccrualStatusDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure4LoansHeldForSaleAggregateFairValueLoansHeldForSaleDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure4LoansHeldForSaleAggregateFairValueLoansHeldForSaleDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure4LoansHeldForSaleScheduleOfMortgageFeeIncomeForLoansHeldForSaleDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure4LoansHeldForSaleScheduleOfMortgageFeeIncomeForLoansHeldForSaleDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure4LoansHeldForSaleScheduleOfLoanLossReserveWhichIsIncludedInOtherLiabilitiesAndAccruedExpensesDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure4LoansHeldForSaleScheduleOfLoanLossReserveWhichIsIncludedInOtherLiabilitiesAndAccruedExpensesDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/StockCompensationPlansDetails" xlink:href="snfc-20200930.xsd#StockCompensationPlansDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure5StockBasedCompensationScheduleOfStockInventivePlanChangesDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure5StockBasedCompensationScheduleOfStockInventivePlanChangesDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure6EarningsPerShareScheduleOfEarningsPerShareBasicAndDilutedDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure6EarningsPerShareScheduleOfEarningsPerShareBasicAndDilutedDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure6EarningsPerShareDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure6EarningsPerShareDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/BusinessSegmentsInformationScheduleOfRevenuesAndExpensesByReportableSegmentDetails" xlink:href="snfc-20200930.xsd#BusinessSegmentsInformationScheduleOfRevenuesAndExpensesByReportableSegmentDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure8FairValueOfFinancialInstrumentsScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnARecurringBasisDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure8FairValueOfFinancialInstrumentsScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnARecurringBasisDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20191231/role/idr_Disclosure17FairValueOfFinancialInstrumentsScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure17FairValueOfFinancialInstrumentsScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure8FairValueOfFinancialInstrumentsScheduleOfChangesInTheConsolidatedBalanceSheetLineItemsMeasuredUsingLevel3InputsDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure8FairValueOfFinancialInstrumentsScheduleOfChangesInTheConsolidatedBalanceSheetLineItemsMeasuredUsingLevel3InputsDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure8FairValueOfFinancialInstrumentsFairValueAssetsMeasuredOnANonrecurringBasisDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure8FairValueOfFinancialInstrumentsFairValueAssetsMeasuredOnANonrecurringBasisDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/FairValueOfFinancialInstrumentsScheduleOfFinancialInstrumentsCarriedAtOtherThanFairValueDetails" xlink:href="snfc-20200930.xsd#FairValueOfFinancialInstrumentsScheduleOfFinancialInstrumentsCarriedAtOtherThanFairValueDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/DerivativeInstrumentsScheduleOfDerivativeAssetsAtFairValueDetails" xlink:href="snfc-20200930.xsd#DerivativeInstrumentsScheduleOfDerivativeAssetsAtFairValueDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/DerivativeInstrumentsScheduleOfGainsAndLossesOnDerivativesDetails" xlink:href="snfc-20200930.xsd#DerivativeInstrumentsScheduleOfGainsAndLossesOnDerivativesDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure11ReinsuranceCommitmentsAndContingenciesMortgageLoanLossSettlementsDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure11ReinsuranceCommitmentsAndContingenciesMortgageLoanLossSettlementsDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure11ReinsuranceCommitmentsAndContingenciesOtherContingenciesAndCommitmentsDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure11ReinsuranceCommitmentsAndContingenciesOtherContingenciesAndCommitmentsDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure12MortgageServicingRightsScheduleOfMortgageServicingRightsDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure12MortgageServicingRightsScheduleOfMortgageServicingRightsDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure12MortgageServicingRightsScheduleOfFiniteLivedIntangibleAssetsFutureAmortizationExpenseMortgageServicingRightsDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure12MortgageServicingRightsScheduleOfFiniteLivedIntangibleAssetsFutureAmortizationExpenseMortgageServicingRightsDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure12MortgageServicingRightsScheduleOfOtherRevenuesDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure12MortgageServicingRightsScheduleOfOtherRevenuesDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure12MortgageServicingRightsSummaryOfUnpaidPrincipalBalancesOfTheServicingPortfolioDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure12MortgageServicingRightsSummaryOfUnpaidPrincipalBalancesOfTheServicingPortfolioDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/MortgageServicingRightsAssumptionsUsedInDeterminingMsrValueDetails" xlink:href="snfc-20200930.xsd#MortgageServicingRightsAssumptionsUsedInDeterminingMsrValueDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure13IncomeTaxesDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure13IncomeTaxesDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/RevenuesFromContractsWithCustomersScheduleOfOpeningAndClosingBalancesOfReceivablesContractAssetsAndContractLiabilitiesDetails" xlink:href="snfc-20200930.xsd#RevenuesFromContractsWithCustomersScheduleOfOpeningAndClosingBalancesOfReceivablesContractAssetsAndContractLiabilitiesDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/RevenuesFromContractsWithCustomersDetails" xlink:href="snfc-20200930.xsd#RevenuesFromContractsWithCustomersDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/RevenuesFromContractsWithCustomersRevenuesOfCemeteryAndMortuaryContractsDetails" xlink:href="snfc-20200930.xsd#RevenuesFromContractsWithCustomersRevenuesOfCemeteryAndMortuaryContractsDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/20190930/role/idr_Disclosure14RevenuesFromContractsWithCustomersReconciliationOfRevenuesFromCemeteryAndMortuaryContractsToBusinessSegmentInformationDetails" xlink:href="snfc-20200930.xsd#idr_Disclosure14RevenuesFromContractsWithCustomersReconciliationOfRevenuesFromCemeteryAndMortuaryContractsToBusinessSegmentInformationDetails" xlink:type="simple" />
    <link:roleRef roleURI="http://securitynational.com/role/AcquisitionsEstimatedFairValuesOfAssetsAcquiredAndLiabilitiesAssumedDetails" xlink:href="snfc-20200930.xsd#AcquisitionsEstimatedFairValuesOfAssetsAcquiredAndLiabilitiesAssumedDetails" xlink:type="simple" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/DocumentAndEntityInformation" xlink:title="00000001 - Document - Document and Entity Information" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/BalanceSheets" xlink:title="00000002 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited)">
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Investments" xlink:label="loc_us-gaapInvestments" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="loc_us-gaapHeldToMaturitySecurities" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapInvestments" xlink:to="loc_us-gaapHeldToMaturitySecurities" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:label="loc_us-gaapAvailableForSaleSecuritiesEquitySecurities" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapInvestments" xlink:to="loc_us-gaapAvailableForSaleSecuritiesEquitySecurities" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet" xlink:label="loc_us-gaapMortgageLoansOnRealEstateCommercialAndConsumerNet" />
      <link:calculationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapInvestments" xlink:to="loc_us-gaapMortgageLoansOnRealEstateCommercialAndConsumerNet" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RealEstateInvestmentPropertyNet" xlink:label="loc_us-gaapRealEstateInvestmentPropertyNet" />
      <link:calculationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapInvestments" xlink:to="loc_us-gaapRealEstateInvestmentPropertyNet" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_PolicyAndOtherLoansReceivableNet1" xlink:label="loc_snfcPolicyAndOtherLoansReceivableNet1" />
      <link:calculationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapInvestments" xlink:to="loc_snfcPolicyAndOtherLoansReceivableNet1" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:label="loc_us-gaapAccruedInvestmentIncomeReceivable" />
      <link:calculationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapInvestments" xlink:to="loc_us-gaapAccruedInvestmentIncomeReceivable" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RealEstateHeldforsale" xlink:label="loc_us-gaapRealEstateHeldforsale" />
      <link:calculationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapInvestments" xlink:to="loc_us-gaapRealEstateHeldforsale" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaapAssets" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_us-gaapInvestments" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaapCashAndCashEquivalentsAtCarryingValue" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_us-gaapCashAndCashEquivalentsAtCarryingValue" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_LoansHeldForSale" xlink:label="loc_snfcLoansHeldForSale" />
      <link:calculationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_snfcLoansHeldForSale" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="loc_us-gaapAccountsReceivableNet" />
      <link:calculationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_us-gaapAccountsReceivableNet" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RestrictedInvestments" xlink:label="loc_us-gaapRestrictedInvestments" />
      <link:calculationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_us-gaapRestrictedInvestments" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_CemeteryPerpetualCareTrustInvestments" xlink:label="loc_snfcCemeteryPerpetualCareTrustInvestments" />
      <link:calculationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_snfcCemeteryPerpetualCareTrustInvestments" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_ReinsuranceReserveCreditForLosses" xlink:label="loc_snfcReinsuranceReserveCreditForLosses" />
      <link:calculationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_snfcReinsuranceReserveCreditForLosses" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InventoryLandHeldForSale" xlink:label="loc_us-gaapInventoryLandHeldForSale" />
      <link:calculationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_us-gaapInventoryLandHeldForSale" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCosts" xlink:label="loc_us-gaapDeferredPolicyAcquisitionCosts" />
      <link:calculationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_us-gaapDeferredPolicyAcquisitionCosts" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_MortgageServicingRightsNet" xlink:label="loc_snfcMortgageServicingRightsNet" />
      <link:calculationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_snfcMortgageServicingRightsNet" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaapPropertyPlantAndEquipmentNet" />
      <link:calculationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_us-gaapPropertyPlantAndEquipmentNet" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ValueOfBusinessAcquiredVOBA" xlink:label="loc_us-gaapValueOfBusinessAcquiredVOBA" />
      <link:calculationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_us-gaapValueOfBusinessAcquiredVOBA" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaapGoodwill" />
      <link:calculationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_us-gaapGoodwill" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaapOtherAssets" />
      <link:calculationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapAssets" xlink:to="loc_us-gaapOtherAssets" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaapLiabilities" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" xlink:label="loc_us-gaapLiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapLiabilities" xlink:to="loc_us-gaapLiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UnearnedPremiums" xlink:label="loc_us-gaapUnearnedPremiums" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapLiabilities" xlink:to="loc_us-gaapUnearnedPremiums" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LoansPayableToBank" xlink:label="loc_us-gaapLoansPayableToBank" />
      <link:calculationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapLiabilities" xlink:to="loc_us-gaapLoansPayableToBank" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredRevenue" xlink:label="loc_us-gaapDeferredRevenue" />
      <link:calculationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapLiabilities" xlink:to="loc_us-gaapDeferredRevenue" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_CemeteryPerpetualCareTrustObligation" xlink:label="loc_snfcCemeteryPerpetualCareTrustObligation" />
      <link:calculationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapLiabilities" xlink:to="loc_snfcCemeteryPerpetualCareTrustObligation" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:label="loc_us-gaapAccountsPayableCurrentAndNoncurrent" />
      <link:calculationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapLiabilities" xlink:to="loc_us-gaapAccountsPayableCurrentAndNoncurrent" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="loc_us-gaapOtherLiabilities" />
      <link:calculationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapLiabilities" xlink:to="loc_us-gaapOtherLiabilities" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities" xlink:label="loc_us-gaapDeferredIncomeTaxLiabilities" />
      <link:calculationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapLiabilities" xlink:to="loc_us-gaapDeferredIncomeTaxLiabilities" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaapStockholdersEquity" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="loc_us-gaapPreferredStockValue" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapStockholdersEquity" xlink:to="loc_us-gaapPreferredStockValue" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockValue" xlink:label="loc_us-gaapCommonStockValue" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapStockholdersEquity" xlink:to="loc_us-gaapCommonStockValue" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:label="loc_us-gaapAdditionalPaidInCapitalCommonStock" />
      <link:calculationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapStockholdersEquity" xlink:to="loc_us-gaapAdditionalPaidInCapitalCommonStock" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaapAccumulatedOtherComprehensiveIncomeLossNetOfTax" />
      <link:calculationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapStockholdersEquity" xlink:to="loc_us-gaapAccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="loc_us-gaapRetainedEarningsAccumulatedDeficit" />
      <link:calculationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapStockholdersEquity" xlink:to="loc_us-gaapRetainedEarningsAccumulatedDeficit" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="loc_us-gaapTreasuryStockValue" />
      <link:calculationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapStockholdersEquity" xlink:to="loc_us-gaapTreasuryStockValue" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="loc_us-gaapLiabilitiesAndStockholdersEquity" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapLiabilitiesAndStockholdersEquity" xlink:to="loc_us-gaapLiabilities" xlink:type="arc" weight="1" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapLiabilitiesAndStockholdersEquity" xlink:to="loc_us-gaapStockholdersEquity" xlink:type="arc" weight="1" />
    </link:calculationLink>
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/CondensedConsolidatedBalanceSheetsParenthetical" xlink:title="00000003 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/StatementsOfIncome" xlink:title="00000004 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF EARNINGS (Unaudited)">
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaapRevenues" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PremiumsEarnedNet" xlink:label="loc_us-gaapPremiumsEarnedNet" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapRevenues" xlink:to="loc_us-gaapPremiumsEarnedNet" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetInvestmentIncome" xlink:label="loc_us-gaapNetInvestmentIncome" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapRevenues" xlink:to="loc_us-gaapNetInvestmentIncome" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_NetMortuaryAndCemeterySales" xlink:label="loc_snfcNetMortuaryAndCemeterySales" />
      <link:calculationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapRevenues" xlink:to="loc_snfcNetMortuaryAndCemeterySales" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments" xlink:label="loc_us-gaapGainLossOnInvestmentsExcludingOtherThanTemporaryImpairments" />
      <link:calculationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapRevenues" xlink:to="loc_us-gaapGainLossOnInvestmentsExcludingOtherThanTemporaryImpairments" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_MortgageFeeIncome" xlink:label="loc_snfcMortgageFeeIncome" />
      <link:calculationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapRevenues" xlink:to="loc_snfcMortgageFeeIncome" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_OtherRevenues" xlink:label="loc_snfcOtherRevenues" />
      <link:calculationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapRevenues" xlink:to="loc_snfcOtherRevenues" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BenefitsLossesAndExpenses" xlink:label="loc_us-gaapBenefitsLossesAndExpenses" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_PolicyholderDeathBenefits" xlink:label="loc_snfcPolicyholderDeathBenefits" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_snfcPolicyholderDeathBenefits" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_OtherPolicyholderBenefits" xlink:label="loc_snfcOtherPolicyholderBenefits" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_snfcOtherPolicyholderBenefits" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForFuturePolicyBenefitsPeriodExpense" xlink:label="loc_us-gaapLiabilityForFuturePolicyBenefitsPeriodExpense" />
      <link:calculationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_us-gaapLiabilityForFuturePolicyBenefitsPeriodExpense" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization1" xlink:label="loc_us-gaapDeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization1" />
      <link:calculationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_us-gaapDeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization1" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SalesCommissionsAndFees" xlink:label="loc_us-gaapSalesCommissionsAndFees" />
      <link:calculationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_us-gaapSalesCommissionsAndFees" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SalariesAndWages" xlink:label="loc_us-gaapSalariesAndWages" />
      <link:calculationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_us-gaapSalariesAndWages" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdvertisingExpense" xlink:label="loc_us-gaapAdvertisingExpense" />
      <link:calculationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_us-gaapAdvertisingExpense" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:label="loc_us-gaapOperatingLeasesRentExpenseNet" />
      <link:calculationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_us-gaapOperatingLeasesRentExpenseNet" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationReclassificationsFromPropertyPlantAndEquipment1" xlink:label="loc_us-gaapAccumulatedDepreciationDepletionAndAmortizationReclassificationsFromPropertyPlantAndEquipment1" />
      <link:calculationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_us-gaapAccumulatedDepreciationDepletionAndAmortizationReclassificationsFromPropertyPlantAndEquipment1" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_CostOfFundingMortgageLoans" xlink:label="loc_snfcCostOfFundingMortgageLoans" />
      <link:calculationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_snfcCostOfFundingMortgageLoans" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherCostAndExpenseOperating" xlink:label="loc_us-gaapOtherCostAndExpenseOperating" />
      <link:calculationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_us-gaapOtherCostAndExpenseOperating" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestExpense" xlink:label="loc_us-gaapInterestExpense" />
      <link:calculationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_us-gaapInterestExpense" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CostOfGoodsAndServicesSold" xlink:label="loc_us-gaapCostOfGoodsAndServicesSold" />
      <link:calculationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapBenefitsLossesAndExpenses" xlink:to="loc_us-gaapCostOfGoodsAndServicesSold" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaapNetIncomeLoss" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaapIncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetIncomeLoss" xlink:to="loc_us-gaapIncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaapIncomeTaxExpenseBenefit" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetIncomeLoss" xlink:to="loc_us-gaapIncomeTaxExpenseBenefit" xlink:type="arc" weight="-1" />
    </link:calculationLink>
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/StatementOfComprehensiveIncome" xlink:title="00000005 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)">
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:label="loc_us-gaapOtherComprehensiveIncomeLossBeforeTax" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentBeforeTax" xlink:label="loc_us-gaapOtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentBeforeTax" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapOtherComprehensiveIncomeLossBeforeTax" xlink:to="loc_us-gaapOtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentBeforeTax" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_UnrealizedGainsOnRestrictedAssets1" xlink:label="loc_snfcUnrealizedGainsOnRestrictedAssets1" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapOtherComprehensiveIncomeLossBeforeTax" xlink:to="loc_snfcUnrealizedGainsOnRestrictedAssets1" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_UnrealizedGainsOnCemeteryPerpetualCareTrustInvestments3" xlink:label="loc_snfcUnrealizedGainsOnCemeteryPerpetualCareTrustInvestments3" />
      <link:calculationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapOtherComprehensiveIncomeLossBeforeTax" xlink:to="loc_snfcUnrealizedGainsOnCemeteryPerpetualCareTrustInvestments3" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_AccumulatedOtherComprehensiveIncomeUnrealizedGainsLossesOnAvailableForSaleSecurities" xlink:label="loc_snfcAccumulatedOtherComprehensiveIncomeUnrealizedGainsLossesOnAvailableForSaleSecurities" />
      <link:calculationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapOtherComprehensiveIncomeLossBeforeTax" xlink:to="loc_snfcAccumulatedOtherComprehensiveIncomeUnrealizedGainsLossesOnAvailableForSaleSecurities" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaapOtherComprehensiveIncomeLossNetOfTax" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapOtherComprehensiveIncomeLossNetOfTax" xlink:to="loc_us-gaapOtherComprehensiveIncomeLossBeforeTax" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_OtherComprehensiveIncomeTaxExpenseBenefit" xlink:label="loc_snfcOtherComprehensiveIncomeTaxExpenseBenefit" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapOtherComprehensiveIncomeLossNetOfTax" xlink:to="loc_snfcOtherComprehensiveIncomeTaxExpenseBenefit" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="loc_us-gaapComprehensiveIncomeNetOfTax" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaapNetIncomeLoss" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapComprehensiveIncomeNetOfTax" xlink:to="loc_us-gaapNetIncomeLoss" xlink:type="arc" weight="1" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapComprehensiveIncomeNetOfTax" xlink:to="loc_us-gaapOtherComprehensiveIncomeLossNetOfTax" xlink:type="arc" weight="1" />
    </link:calculationLink>
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/CondensedConsolidatedStatementsOfStockholdersEquity" xlink:title="00000006 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS&apos; EQUITY (Unaudited)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/StatementsOfCashFlows" xlink:title="00000007 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)">
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:label="loc_us-gaapPaymentsToAcquireHeldToMaturitySecurities" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_us-gaapPaymentsToAcquireHeldToMaturitySecurities" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:label="loc_us-gaapProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_us-gaapProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity" xlink:label="loc_us-gaapPaymentsToAcquireAvailableForSaleSecuritiesEquity" />
      <link:calculationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_us-gaapPaymentsToAcquireAvailableForSaleSecuritiesEquity" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" xlink:label="loc_us-gaapProceedsFromSaleOfAvailableForSaleSecuritiesEquity" />
      <link:calculationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_us-gaapProceedsFromSaleOfAvailableForSaleSecuritiesEquity" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseOfRestrictedInvestments" xlink:label="loc_us-gaapIncreaseDecreaseOfRestrictedInvestments" />
      <link:calculationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_us-gaapIncreaseDecreaseOfRestrictedInvestments" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_IncreaseDecreaseInAssetsForPerpetualCareTrusts" xlink:label="loc_snfcIncreaseDecreaseInAssetsForPerpetualCareTrusts" />
      <link:calculationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_snfcIncreaseDecreaseInAssetsForPerpetualCareTrusts" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:label="loc_us-gaapPaymentsToAcquireLoansHeldForInvestment" />
      <link:calculationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_us-gaapPaymentsToAcquireLoansHeldForInvestment" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:label="loc_us-gaapProceedsFromSaleOfLoansHeldForInvestment" />
      <link:calculationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_us-gaapProceedsFromSaleOfLoansHeldForInvestment" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="loc_us-gaapPaymentsToAcquirePropertyPlantAndEquipment" />
      <link:calculationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_us-gaapPaymentsToAcquirePropertyPlantAndEquipment" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="loc_us-gaapProceedsFromSaleOfPropertyPlantAndEquipment" />
      <link:calculationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_us-gaapProceedsFromSaleOfPropertyPlantAndEquipment" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireRealEstate" xlink:label="loc_us-gaapPaymentsToAcquireRealEstate" />
      <link:calculationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_us-gaapPaymentsToAcquireRealEstate" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleOfOtherRealEstate" xlink:label="loc_us-gaapProceedsFromSaleOfOtherRealEstate" />
      <link:calculationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_us-gaapProceedsFromSaleOfOtherRealEstate" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_PaymentsToAcquireSubsidiariesNetOfCashAcquired" xlink:label="loc_snfcPaymentsToAcquireSubsidiariesNetOfCashAcquired" />
      <link:calculationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:to="loc_snfcPaymentsToAcquireSubsidiariesNetOfCashAcquired" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="loc_us-gaapNetCashProvidedByUsedInFinancingActivities" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdditionsToContractHoldersFunds" xlink:label="loc_us-gaapAdditionsToContractHoldersFunds" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInFinancingActivities" xlink:to="loc_us-gaapAdditionsToContractHoldersFunds" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_WithdrawalFromContractHoldersFunds" xlink:label="loc_us-gaapWithdrawalFromContractHoldersFunds" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInFinancingActivities" xlink:to="loc_us-gaapWithdrawalFromContractHoldersFunds" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised" xlink:label="loc_us-gaapProceedsFromStockOptionsExercised" />
      <link:calculationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInFinancingActivities" xlink:to="loc_us-gaapProceedsFromStockOptionsExercised" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="snfc-20200930.xsd#snfc_PaymentsToAcquireTreasuryStock" xlink:label="loc_snfcPaymentsToAcquireTreasuryStock" />
      <link:calculationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInFinancingActivities" xlink:to="loc_snfcPaymentsToAcquireTreasuryStock" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RepaymentsOfBankDebt" xlink:label="loc_us-gaapRepaymentsOfBankDebt" />
      <link:calculationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInFinancingActivities" xlink:to="loc_us-gaapRepaymentsOfBankDebt" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromBankDebt" xlink:label="loc_us-gaapProceedsFromBankDebt" />
      <link:calculationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInFinancingActivities" xlink:to="loc_us-gaapProceedsFromBankDebt" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LineOfCreditFacilityIncreaseDecreaseForPeriodNet" xlink:label="loc_us-gaapLineOfCreditFacilityIncreaseDecreaseForPeriodNet" />
      <link:calculationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapNetCashProvidedByUsedInFinancingActivities" xlink:to="loc_us-gaapLineOfCreditFacilityIncreaseDecreaseForPeriodNet" xlink:type="arc" weight="-1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="loc_us-gaapCashAndCashEquivalentsPeriodIncreaseDecrease" />
      <link:calculationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapCashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="loc_us-gaapNetCashProvidedByUsedInInvestingActivities" xlink:type="arc" weight="1" />
      <link:calculationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapCashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="loc_us-gaapNetCashProvidedByUsedInFinancingActivities" xlink:type="arc" weight="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaapNetCashProvidedByUsedInOperatingActivities" />
      <link:calculationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaapCashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="loc_us-gaapNetCashProvidedByUsedInOperatingActivities" xlink:type="arc" weight="1" />
    </link:calculationLink>
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/StatementOfCashFlowsContinued" xlink:title="00000008 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Continued)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/BasisOfPresentation" xlink:title="00000009 - Disclosure - 1) Basis of Presentation" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure2RecentAccountingPronouncements" xlink:title="00000010 - Disclosure - 2) Recent Accounting Pronouncements" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure3Investments" xlink:title="00000011 - Disclosure - 3) Investments" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure4LoansHeldForSale" xlink:title="00000012 - Disclosure - 4) Loans Held For Sale" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/StockCompensationPlans" xlink:title="00000013 - Disclosure - 5) Stock Compensation Plans" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure6EarningsPerShare" xlink:title="00000014 - Disclosure - 6) Earnings Per Share" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/BusinessSegmentInformation" xlink:title="00000015 - Disclosure - 7) Business Segment Information" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure8FairValueOfFinancialInstruments" xlink:title="00000016 - Disclosure - 8) Fair Value of Financial Instruments" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/AllowanceForDoubtfulAccounts" xlink:title="00000017 - Disclosure - 9) Allowance For Doubtful Accounts" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure10DerivativeCommitments" xlink:title="00000018 - Disclosure - 10) Derivative Instruments" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/ReinsuranceCommitmentsAndContingencies" xlink:title="00000019 - Disclosure - 11) Reinsurance, Commitments and Contingencies" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/MortgageServicingRights" xlink:title="00000020 - Disclosure - 12) Mortgage Servicing Rights" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/IncomeTaxes" xlink:title="00000021 - Disclosure - 13) Income Taxes" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/RevenuesFromContractsWithCustomers" xlink:title="00000022 - Disclosure - 14) Revenues From Contracts With Customers" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/Acquisitions" xlink:title="00000023 - Disclosure - 15) Acquisitions" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/InvestmentsTables" xlink:title="00000024 - Disclosure - 3) Investments (Tables)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/LoansHeldForSaleTables" xlink:title="00000025 - Disclosure - 4) Loans Held For Sale (Tables)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/Stock-basedCompensationTables" xlink:title="00000026 - Disclosure - 5) Stock Compensation Plans (Tables)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/EarningsPerShareTables" xlink:title="00000027 - Disclosure - 6) Earnings Per Share (Tables)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/BusinessSegmentsInformationTables" xlink:title="00000028 - Disclosure - 7) Business Segments Information (Tables)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/FairValueOfFinancialInstrumentsTables" xlink:title="00000029 - Disclosure - 8) Fair Value of Financial Instruments (Tables)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/DerivativeCommitmentsTables" xlink:title="00000030 - Disclosure - 10) Derivative Instruments (Tables)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/MortgageServicingRightssTables" xlink:title="00000031 - Disclosure - 12) Mortgage Servicing Rightss (Tables)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/RevenuesFromContractsWithCustomersTables" xlink:title="00000032 - Disclosure - 14) Revenues From Contracts With Customers (Tables)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/AcquisitionsTables" xlink:title="00000033 - Disclosure - 15) Acquisitions (Tables)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsHeldToMaturitySecuritiesDetails" xlink:title="00000034 - Disclosure - 3) Investments: Held-to-maturity Securities (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/InvestmentsScheduleOfUnrealizedLossOnInvestmentsDetails" xlink:title="00000035 - Disclosure - 3) Investments: Schedule of Unrealized Loss on Investments (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/InvestmentsDetails" xlink:title="00000036 - Disclosure - 3) Investments (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/InvestmentsInvestmentsClassifiedByContractualMaturityDateDetails" xlink:title="00000037 - Disclosure - 3) Investments: Investments Classified by Contractual Maturity Date (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/InvestmentsGainLossOnInvestmentsDetails" xlink:title="00000038 - Disclosure - 3) Investments: Gain (Loss) on Investments (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsNetCarryingAmountOfHeldToMaturitySecuritiesDetails" xlink:title="00000039 - Disclosure - 3) Investments: Net carrying amount of held to maturity securities (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsScheduleOfMajorCategoriesOfNetInvestmentIncomeDetails" xlink:title="00000040 - Disclosure - 3) Investments: Schedule of Major categories of net investment income (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/InvestmentsNetInvestmentIncome-AdditionalDetails" xlink:title="00000041 - Disclosure - 3) Investments: Net Investment Income - Additional (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsCommercialRealEstateHeldForInvestmentDetails" xlink:title="00000042 - Disclosure - 3) Investments: Commercial Real Estate Held for Investment (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsCommercialRealEstateInvestmentDetails" xlink:title="00000043 - Disclosure - 3) Investments: Commercial Real Estate Investment (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/InvestmentsResidentialRealEstateHeldForInvestmentDetails" xlink:title="00000044 - Disclosure - 3) Investments: Residential Real Estate Held for Investment (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/InvestmentsResidentialRealEstateInvestmentDetails" xlink:title="00000045 - Disclosure - 3) Investments: Residential Real Estate Investment (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/InvestmentsRealEstateOwnedAndOccupiedByCompanyDetails" xlink:title="00000046 - Disclosure - 3) Investments: Real Estate Owned and Occupied by the Company (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/InvestmentsScheduleOfAllowanceForLoanLossesAsContra-assetAccountDetails" xlink:title="00000047 - Disclosure - 3) Investments: Schedule of Allowance for loan losses as a contra-asset account (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/InvestmentsScheduleOfAgingOfMortgageLoansDetails" xlink:title="00000048 - Disclosure - 3) Investments: Schedule of aging of mortgage loans (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsScheduleOfImpairedMortgageLoansDetails" xlink:title="00000049 - Disclosure - 3) Investments: Schedule of Impaired Mortgage Loans (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsScheduleOfCreditRiskOfMortgageLoansBasedOnPerformanceStatusDetails" xlink:title="00000050 - Disclosure - 3) Investments: Schedule Of Credit Risk Of Mortgage Loans Based On Performance Status (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsSummaryOfInterestNotAccruedOnNonPerformingMortgageLoansDetails" xlink:title="00000051 - Disclosure - 3) Investments: Summary of Interest not accrued on non-performing mortgage loans (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure3InvestmentsScheduleOfMortgageLoansOnANonaccrualStatusDetails" xlink:title="00000052 - Disclosure - 3) Investments: Schedule of Mortgage loans on a nonaccrual status (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure4LoansHeldForSaleAggregateFairValueLoansHeldForSaleDetails" xlink:title="00000053 - Disclosure - 4) Loans Held For Sale: Aggregate fair value - Loans Held for Sale (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure4LoansHeldForSaleScheduleOfMortgageFeeIncomeForLoansHeldForSaleDetails" xlink:title="00000054 - Disclosure - 4) Loans Held For Sale: Schedule of Mortgage Fee Income for Loans Held for Sale (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure4LoansHeldForSaleScheduleOfLoanLossReserveWhichIsIncludedInOtherLiabilitiesAndAccruedExpensesDetails" xlink:title="00000055 - Disclosure - 4) Loans Held For Sale: Schedule of loan loss reserve which is included in other liabilities and accrued expenses (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/StockCompensationPlansDetails" xlink:title="00000056 - Disclosure - 5) Stock Compensation Plans (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure5StockBasedCompensationScheduleOfStockInventivePlanChangesDetails" xlink:title="00000057 - Disclosure - 5) Stock Compensation Plans: Schedule of stock inventive plan changes (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure6EarningsPerShareScheduleOfEarningsPerShareBasicAndDilutedDetails" xlink:title="00000058 - Disclosure - 6) Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure6EarningsPerShareDetails" xlink:title="00000059 - Disclosure - 6) Earnings Per Share (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/BusinessSegmentsInformationScheduleOfRevenuesAndExpensesByReportableSegmentDetails" xlink:title="00000060 - Disclosure - 7) Business Segments Information : Schedule of Revenues and Expenses by Reportable Segment (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure8FairValueOfFinancialInstrumentsScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnARecurringBasisDetails" xlink:title="00000061 - Disclosure - 8) Fair Value of Financial Instruments: Schedule of fair value assets and liabilities measured on a recurring basis (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20191231/role/idr_Disclosure17FairValueOfFinancialInstrumentsScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsDetails" xlink:title="00000062 - Disclosure - 8) Fair Value of Financial Instruments: Schedule of Effect of Significant Unobservable Inputs, Changes in Plan Assets (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure8FairValueOfFinancialInstrumentsScheduleOfChangesInTheConsolidatedBalanceSheetLineItemsMeasuredUsingLevel3InputsDetails" xlink:title="00000063 - Disclosure - 8) Fair Value of Financial Instruments: Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure8FairValueOfFinancialInstrumentsFairValueAssetsMeasuredOnANonrecurringBasisDetails" xlink:title="00000064 - Disclosure - 8) Fair Value of Financial Instruments: Fair Value Assets Measured on a Nonrecurring Basis (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/FairValueOfFinancialInstrumentsScheduleOfFinancialInstrumentsCarriedAtOtherThanFairValueDetails" xlink:title="00000065 - Disclosure - 8) Fair Value of Financial Instruments: Schedule of Financial Instruments Carried at Other Than Fair Value (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/DerivativeInstrumentsScheduleOfDerivativeAssetsAtFairValueDetails" xlink:title="00000066 - Disclosure - 10) Derivative Instruments: Schedule of Derivative Assets at Fair Value (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/DerivativeInstrumentsScheduleOfGainsAndLossesOnDerivativesDetails" xlink:title="00000067 - Disclosure - 10) Derivative Instruments: Schedule of Gains and Losses on Derivatives (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure11ReinsuranceCommitmentsAndContingenciesMortgageLoanLossSettlementsDetails" xlink:title="00000068 - Disclosure - 11) Reinsurance, Commitments and Contingencies: Mortgage Loan Loss Settlements (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure11ReinsuranceCommitmentsAndContingenciesOtherContingenciesAndCommitmentsDetails" xlink:title="00000069 - Disclosure - 11) Reinsurance, Commitments and Contingencies: Other Contingencies and Commitments (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure12MortgageServicingRightsScheduleOfMortgageServicingRightsDetails" xlink:title="00000070 - Disclosure - 12) Mortgage Servicing Rights: Schedule of Mortgage Servicing Rights (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure12MortgageServicingRightsScheduleOfFiniteLivedIntangibleAssetsFutureAmortizationExpenseMortgageServicingRightsDetails" xlink:title="00000071 - Disclosure - 12) Mortgage Servicing Rights: Schedule of Finite-Lived Intangible Assets, Future Amortization Expense, Mortgage Servicing Rights (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure12MortgageServicingRightsScheduleOfOtherRevenuesDetails" xlink:title="00000072 - Disclosure - 12) Mortgage Servicing Rights: Schedule of Other Revenues (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure12MortgageServicingRightsSummaryOfUnpaidPrincipalBalancesOfTheServicingPortfolioDetails" xlink:title="00000073 - Disclosure - 12) Mortgage Servicing Rights: Summary of Unpaid Principal Balances of the Servicing Portfolio (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/MortgageServicingRightsAssumptionsUsedInDeterminingMsrValueDetails" xlink:title="00000074 - Disclosure - 12) Mortgage Servicing Rights: Assumptions used in determining MSR value (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure13IncomeTaxesDetails" xlink:title="00000075 - Disclosure - 13) Income Taxes (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/RevenuesFromContractsWithCustomersScheduleOfOpeningAndClosingBalancesOfReceivablesContractAssetsAndContractLiabilitiesDetails" xlink:title="00000076 - Disclosure - 14) Revenues From Contracts With Customers: Schedule of Opening and Closing Balances of Receivables, Contract Assets and Contract Liabilities (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/RevenuesFromContractsWithCustomersDetails" xlink:title="00000077 - Disclosure - 14) Revenues From Contracts With Customers (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/RevenuesFromContractsWithCustomersRevenuesOfCemeteryAndMortuaryContractsDetails" xlink:title="00000078 - Disclosure - 14) Revenues From Contracts With Customers: Revenues of the Cemetery and Mortuary Contracts (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/20190930/role/idr_Disclosure14RevenuesFromContractsWithCustomersReconciliationOfRevenuesFromCemeteryAndMortuaryContractsToBusinessSegmentInformationDetails" xlink:title="00000079 - Disclosure - 14) Revenues From Contracts With Customers: Reconciliation of Revenues from Cemetery and mortuary contracts to Business Segment Information (Details)" />
    <link:calculationLink xlink:type="extended" xlink:role="http://securitynational.com/role/AcquisitionsEstimatedFairValuesOfAssetsAcquiredAndLiabilitiesAssumedDetails" xlink:title="00000080 - Disclosure - 15) Acquisitions: Estimated Fair Values of Assets Acquired and Liabilities Assumed (Details)" />
</link:linkbase>
