UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 21, 2005 UTG, INC. (Exact name of registrant as specified in its charter) Delaware 0-16867 20-2907892 (State or other jurisdiction of (Commission File Number) (I.R.S. Employer Identification No.) incorporation or organization) 5250 South Sixth Street Springfield, Illinois 62703 (Address of principal executive offices and zip code) (217) 241-6300 (Registrant's telephone number, including area code) Successor Issuer to United Trust Group, Inc. (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2):
![](https://capedge.com/proxy/8-K/0000832480-05-000016/ballot.jpg)
Written communications pursuant to Rule 425 under the Securities Act
![](https://capedge.com/proxy/8-K/0000832480-05-000016/ballot.jpg)
Soliciting material pursuant to Rule 14a-12 under the Exchange Act
![](https://capedge.com/proxy/8-K/0000832480-05-000016/ballot.jpg)
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
![](https://capedge.com/proxy/8-K/0000832480-05-000016/ballot.jpg)
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act Item 4.01. Changes in Registrant's Certifying Accountant On September 21, 2005 the Board of Directors of UTG, Inc, ("Registrant"), dismissed Kerber, Eck & Braeckel LLP ("Kerber") as the Registrant's independent registered public account firm effective at the conclusion of its review of the Registrant's third quarter financial statements. Kerber's reports on the Registrant's financial statements as of and for the years ended December 31, 2004 and 2003 did not contain an adverse opinion or disclaimer of opinion, nor were such reports qualified or modified as to uncertainty, audit scope, or accounting principles. The decision to change accountants was recommended to our Board of Directors by the Audit Committee and was approved by our Board of Directors. There were no disagreements with Kerber on any matter of accounting principles or practices, financial statement disclosure, or auditing scope or procedure. The Registrant has requested that Kerber furnish it with a letter addressed to the Securities and Exchange Commission stating whether or not it agrees with the above statements. A copy of Kerber, Eck & Braeckel LLP's letter, dated September 21, 2005, is filed as Exhibit 16.1 to this Form 8-K. On September 21, 2005, the Board of Directors approved engaging the independent accounting firm of Brown Smith Wallace LLC ("Brown Smith") to audit our financial statements beginning with the year ended December 31, 2005. There are no disagreements with Brown Smith. During the two years ended December 31, 2004 and through the date hereof, neither the Registrant nor anyone on its behalf consulted Brown Smith regarding either the application of accounting principles to a specified transaction, either completed or proposed, or the type of audit opinion that might be rendered on the Registrant's financial statements, nor has Brown Smith provided to the Registrant a written report or oral advice regarding such principles or audit opinion. Item 9.01. Financial Statements and Exhibits (c) Exhibits. Exhibit No. Description 16.1 Kerber, Eck & Braeckel LLP letter dated September 21, 2005 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. UTG, INC. Date: September 21, 2005 By: /s/ Theodore C. Miller Theodore C. Miller Senior Vice President and Chief Financial Officer