UTG (UTGN) 10-Q 2006 Q1 Quarterly report

                                                                    EXHIBIT 32.2

                    CERTIFICATION OF CHIEF FINANCIAL OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350

In  connection  with  the  Quarterly  Report  on Form  10-Q of  UTG,  Inc.  (the
"Company")  for the  quarterly  period ended March 31,  2006,  as filed with the
Securities and Exchange Commission on the date hereof (the "Report") I, Theodore
C.  Miller,  Senior Vice  President,  Corporate  Secretary  and Chief  Financial
Officer  of the  Company,  certify  pursuant  to 18 U.S.C.ss. 1350,  as  adopted
pursuant toss.906 of the  Sarbanes-Oxley  Act of 2002,  that,  to the best of my
knowledge:

     (1)  The Report fully  complies with the  requirements  of section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and

     (2)  The  information  contained  in the  Report  fairly  presents,  in all
          material respects,  the financial  condition and results of operations
          of the Company


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


Date: May 10, 2006