UTG (UTGN) 10-K2005 FY Annual report

Filed: 22 Mar 06, 12:00am

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Readability	6th grade Avg

New words: accompaning, acid, advantage, Advisory, afford, aid, air, altering, aset, attention, BNL, breach, Brown, BSW, Chapel, compatible, conclusion, dealer, Dec, disclaimer, disintermediation, divert, domestic, equestrian, expansion, favorable, FNBT, heavily, hereof, hiking, Hill, instance, interstate, ledger, lengthen, LIVED, local, lost, main, marina, maximization, mix, Nov, occupancy, occurrence, Oct, permissible, procedure, promoting, rain, reacquired, repositioning, restaurant, Smith, stability, steady, stockholder, suitable, summer, teen, traditionally, unaware, uncertainty, undiscounted, UNRESOLVED, vacation, Wallace, western

Removed: accrual, affiliation, annum, antidilutive, begin, brokering, building, Cantrell, carryforward, Century, clarify, collectively, consulting, contemplated, contractually, couple, covenant, currenty, damage, disbursed, Dominican, eliminate, equaled, exclusive, FCC, formation, Global, harvested, historically, initial, Institute, intercompany, intercorporate, interim, largely, leased, licensing, lowered, Midwestern, Millard, modest, Oakley, occurring, policyowner, prepared, proof, protected, Reassurance, recently, Reorganization, representing, Republic, scrutiny, selling, separated, sex, shortfall, simplify, stipulated, streamline, surviving, technique, Transportation, turbulent, twentieth, UII, uncollectibility, valuation, voted, warehouse

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                                                                    Exhibit 4.1

                Agreement pursuant to Item 601 (b) (4) (iii) (A)
                               Of Regulation S-K

The  registrant  hereby  undertakes  and agrees to furnish to the Securities and
Exchange  Commission  upon  request  a copy of any  instrument  relating  to, or
defining  the rights of the holders  of, any  long-term  debt of the  registrant
and/or its  subsidiaries,  a copy of which has not been filed in  reliance  upon
Item 601 (b) (4)  (iii) (A) of  Regulation  S-K or  which,  although  previously
filed,  shall have become stale in the sense of Item 10 (d) of Regulation S-K or
which  shall  have been  deposed  of by the  Commission  pursuant  to its Record
Control  Schedule.  This  Agreement and  undertaking is intended to be effective
with respect to registrant's  long-term debt instruments whether securities have
been issued thereunder or are yet to be issued thereunder.

Dated:  August 12, 2002

                                          By:  /s/ Theodore C. Miller
                                            Theodore C. Miller, Senior Vice President
                                            Corporate Secretary and Chief Financial
                                            Officer