Security National Financial is a holding company with three segments: life insurance, death care (funeral homes and cemeteries), and residential mortgage origination. The flagship life insurance segment focuses on "funeral plan" policies — small face-value policies (up to $30,000) designed to cover burial costs, sold primarily to low- to moderate-income individuals aged 45–85 through a commissioned independent agent network across 42 states. Management intentionally targets this niche on the thesis that larger insurers largely ignore it. The company also sells annuities, traditional life, and accident and health policies as secondary products. The cemetery and mortuary segment operates 11 mortuaries and 6 cemeteries across Utah, California, and New Mexico, selling both pre-need and at-need funeral products and services. The mortgage segment, operating through SecurityNational Mortgage, originates residential loans through 85 retail offices in 25 states, selling them to secondary market investors including Fannie Mae. The three segments are deliberately interlinked — death care operations build brand awareness that supports insurance sales, funeral plan policies often name company cemeteries as beneficiaries, and the insurance float is partly invested in real estate and mortgage assets. Investment income is a meaningful earnings driver, with the insurance subsidiary deploying float into bonds, equities, mortgage loans, real estate, and profit-sharing arrangements with homebuilders. The company also has a real estate development business, including the Center53 office campus project in Salt Lake City.