UTG, Inc. Watch

from 10-K 1 page Agreement Pursuant to Item 601(b)(4)(iii)(a) of Regulation S-K

from 10-K 1 page Agreement Pursuant to Item 601(b)(4)(iii)(a) of Regulation S-K

from 10-K 1 page Agreement Pursuant to Item 601

from 8-K 1 page Exhibit 4.1 Stock Certificate

from 10-K 1 page 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 Unpon 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 Subsudiaries, 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 Regulations-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

from 10-Q/A 1 page Agreements With Respect to Debt

from 10-Q ~5 pages Indenture or similar

from 10-Q ~20 pages Indenture or similar