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<div id="DSPFiXBRLHidden" style="display: none;"><ix:header><ix:hidden><ix:nonNumeric name="dei:AmendmentFlag" id="Fact_95e64d07c7994e00b3e5195982a661ec" contextRef="c20230920to20230920" format="ixt:fixed-false">false</ix:nonNumeric><ix:nonNumeric name="dei:EntityCentralIndexKey" id="Fact_09553c35273e4d499e767da0e69429ef" contextRef="c20230920to20230920">0000832480</ix:nonNumeric></ix:hidden><ix:references><link:schemaRef xlink:href="utgn-20230920.xsd" xlink:type="simple"></link:schemaRef></ix:references><ix:resources><xbrli:context id="c20230920to20230920"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000832480</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-09-20</xbrli:startDate><xbrli:endDate>2023-09-20</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div>

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      <div style="color: #000000;">
        <div>
          <hr style="border: none; border-bottom: 1px solid black; border-top: 4px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;" /></div>

        <div style="text-align: center; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

        <div style="text-align: center; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

        <div style="text-align: center; font-size: 12pt; font-weight: bold;">Washington, D.C. 20549</div>

        <div style="padding-bottom: 6pt;"> <br />
        </div>

        <div style="text-align: center; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_a84adffce6ca479e843d492dc7461467" contextRef="c20230920to20230920">8-K</ix:nonNumeric></div>

        <div style="text-align: center; font-weight: bold; font-size: 12pt;"> <br />
        </div>

        <div style="text-align: center; font-size: 10pt; font-weight: bold;">CURRENT REPORT</div>

        <div style="text-align: center; font-size: 10pt;">PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>

        <div style="font-size: 10pt;"> <br />
        </div>

        <div style="text-align: center; font-size: 10pt; font-weight: bold;">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_71442d8a647a4438b5bf7a1cb8334dc6" contextRef="c20230920to20230920" format="ixt:date-monthname-day-year-en">September 20, 2023</ix:nonNumeric></div>

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        <div style="text-align: center; font-size: 24pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_53ec7db178834929b1810049b660114b" contextRef="c20230920to20230920">UTG, INC</ix:nonNumeric><br />
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        <div style="font-size: 10pt; text-align: center;">(Exact name of registrant as specified in its charter) </div>

        <div style="font-size: 10pt; padding-bottom: 12pt;"> <br />
        </div>

        <table cellspacing="0" cellpadding="0" style="width: 100%; text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">


  <tr>

    <td style="width: 30%; vertical-align: bottom; border-bottom: 2px solid #000000; font-size: 10pt;">
                <div style="text-align: center; font-weight: bold;"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" id="Fact_4b828d87342f4d85917e2fc470a8dbc8" contextRef="c20230920to20230920" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric><br />
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              </td>

    <td style="width: 5%; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt;">
                <div style="text-align: left; ">&#160;</div>
              </td>

    <td style="width: 30%; vertical-align: bottom; border-bottom: 2px solid #000000; font-size: 10pt;">
                <div style="text-align: center; font-weight: bold;"><ix:nonNumeric name="dei:EntityFileNumber" id="Fact_f66730c531c9463298c3b5564cde5555" contextRef="c20230920to20230920">0-16867</ix:nonNumeric><br />
                </div>
              </td>

    <td style="width: 5%; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt;">
                <div style="text-align: left; ">&#160;</div>
              </td>

    <td style="width: 30%; vertical-align: bottom; border-bottom: 2px solid #000000; font-size: 10pt;">
                <div style="text-align: center; font-weight: bold;"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="Fact_89eb63a62e1747e79091c82dd057e6d4" contextRef="c20230920to20230920">20-2907892</ix:nonNumeric><br />
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              </td>

  </tr>

  <tr>

    <td style="width: 30%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; ">(State or other jurisdiction <br />
                  of incorporation)</div>
              </td>

    <td style="width: 5%; vertical-align: bottom; font-size: 10pt;">
                <div style="text-align: left; ">&#160;</div>
              </td>

    <td style="width: 30%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; ">(Commission <br />
                  File Number)</div>
              </td>

    <td style="width: 5%; vertical-align: bottom; font-size: 10pt;">
                <div style="text-align: left; ">&#160;</div>
              </td>

    <td style="width: 30%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; ">(IRS Employer <br />
                  Identification No.)</div>
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</table>
        <div style="font-size: 8pt;"> <br />
        </div>

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  <tr>

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                <div><ix:nonNumeric name="dei:EntityAddressAddressLine1" id="Fact_85c1686c04464a6fa61749dd0f055f83" contextRef="c20230920to20230920">205 North Depot Street</ix:nonNumeric></div>
                <div><ix:nonNumeric name="dei:EntityAddressCityOrTown" id="Fact_1ec1c404c1024ddbba3dd0fa4f17139e" contextRef="c20230920to20230920">Stanford</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" id="Fact_cb80c7f43c264f53afc6a5ac6a60a485" contextRef="c20230920to20230920" format="ixt-sec:stateprovnameen">Kentucky</ix:nonNumeric></div>
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    <td style="width: 6%; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt;">
                <div style="text-align: left;">&#160;</div>
              </td>

    <td style="width: 47%; vertical-align: bottom; text-align: center; font-size: 10pt; border-bottom: 2px solid #000000; font-weight: bold">
                <div><ix:nonNumeric name="dei:EntityAddressPostalZipCode" id="Fact_5d0f261f41c54dd3954164ebe175a060" contextRef="c20230920to20230920">40484</ix:nonNumeric><br />
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  </tr>

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    <td style="width: 47%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; ">(Address of principal executive offices)</div>
              </td>

    <td style="width: 6%; vertical-align: bottom; font-size: 10pt;">
                <div style="text-align: left; ">&#160;</div>
              </td>

    <td style="width: 47.48%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; ">(Zip code)</div>
              </td>

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</table>
        <div style="font-size: 10pt;"> <br />
        </div>

        <div style="text-align: center; font-size: 10pt;">Registrant's telephone number, including area code (<ix:nonNumeric name="dei:CityAreaCode" id="Fact_d55573e53ad7400f9f84c4ba7d13b73e" contextRef="c20230920to20230920">217</ix:nonNumeric>) <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_e52c7dbf02154df98e1fd769e0a30db9" contextRef="c20230920to20230920">241-6300</ix:nonNumeric></div>

        <div style="font-size: 10pt;"> <br />
        </div>

        <div style="text-align: center; font-size: 10pt;">Not Applicable</div>

        <div style="text-align: center; font-size: 10pt;">(Former Name or Former Address, if Changed Since Last Report)</div>

        <div style="font-size: 10pt;"> <br />
        </div>

        <div style="text-align: center; font-size: 10pt;"><span style="text-decoration: underline;">Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:</span></div>

        <div style="text-align: center; font-size: 10pt;"> <br />
        </div>

        <table cellspacing="0" cellpadding="0" style="width: 100%; text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">


  <tr>

    <td style="width: 33.33%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; "><span style="text-decoration: underline;">Title of each class</span></div>
              </td>

    <td style="width: 33.33%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; "><span style="text-decoration: underline;">Trading Symbol(s)</span></div>
              </td>

    <td style="width: 33.33%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; "><span style="text-decoration: underline;">Name of each exchange on which registered</span></div>
              </td>

  </tr>


</table>
        <div style="margin-top: 6pt; margin-bottom: 6pt; font-size: 10pt;"><br />
        </div>

        <div style="text-align: left; margin-top: 6pt; margin-bottom: 6pt; font-size: 10pt;"> 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. below): </div>

        <div style="text-align: left; margin-bottom: 7.1pt; font-size: 10pt;"><ix:nonNumeric name="dei:WrittenCommunications" id="Fact_e482444b1dea4dd38360a3b4d9b2259c" contextRef="c20230920to20230920" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric> Written communications pursuant to Rule 425 under the Securities
          Act (17 CFR 230.425)</div>

        <div style="text-align: left; margin-bottom: 6.95pt; font-size: 10pt;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_c5d445e1ca314f6db6f64fbf4d488c89" contextRef="c20230920to20230920" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric> Soliciting material pursuant to Rule 14a-12 under the Exchange
          Act (17 CFR 240.14a-12)</div>

        <div style="text-align: left; margin-bottom: 6.95pt; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_ce9847b262244670baec0ebe676d277f" contextRef="c20230920to20230920" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric> Pre-commencement communications pursuant to Rule 14d-2(b) under
          the Exchange Act (17 CFR 240.14d-2(b))</div>

        <div style="text-align: left; margin-bottom: 2.05pt; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_80e5fdbd43e2429f8d1a8f265c68bd44" contextRef="c20230920to20230920" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric> Pre-commencement communications pursuant to Rule 13e-4(c) under
          the Exchange Act (17 CFR 240.13e-4(c))</div>

        <div style="margin-bottom: 2.05pt; font-size: 10pt;"> <br />
        </div>

        <div style="text-align: left; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act
          of 1934 (&#167;240.12b-2 of this chapter):</div>

        <div><br />
        </div>

        <div style="text-align: left; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_9878695102144157a99332fd4d5e0279" contextRef="c20230920to20230920" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric></div>

        <div><br />
        </div>

        <div style="text-align: left; font-size: 10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
          provided pursuant to Section 13(a) of the Exchange Act. &#9744;</div>

        <div><br /></div>

      </div>

    </div>

    <div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;"> <br />
      </div>

      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Section 4 &#8211; Matters Related to Accountants and Financial Statements</div>

      <div><br />
      </div>

      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Item 4.01 &#8211; Changes in Registrant&#8217;s Certifying Accountant</div>

      <div><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Armanino LLP, the Company&#8217;s external audit firm, notified the Company that they would be resigning as the Company&#8217;s independent registered public
        accounting firm for the upcoming year end 2023.&#160; The decision to discontinue the engagement related to a change in direction at the audit firm.</div>

      <div><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">During the Company&#8217;s year ended December 31, 2022 and December 31, 2021, and the subsequent interim period through September 19, 2023, during which
        Armanino served as the Company&#8217;s independent registered public accounting firm, there were no: (1) disagreements (as defined in Item 304(a)(1)(iv) of Regulation S-K and the related instructions) with Armanino on any matter of accounting principles
        or practices, financial statement disclosure, or auditing scope or procedures, which disagreements if not resolved to their satisfaction would have caused them to make a reference in connection with their opinion to the subject matter of the
        disagreement, or (2) reportable events (as described in Item 304(a)(1)(v) of Regulations S-K).</div>

      <div><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Company has provided Armanino with a copy of the disclosures proposed to be made in this Form 8-K and requested that Armanino furnish the Company
        with a letter addressed to the Commission stating whether it agrees with the statements made by the Company in response to Item 304(a) of Regulation S-K, and, if not, stating the respects in which it does not agree.&#160; The Armanino letter is attached
        hereto as an exhibit.</div>

      <div><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">On September 19, 2023, the Company&#8217;s audit committee approved the appointment of Kerber, Eck &amp; Braeckel LLP as the Company&#8217;s independent registered
        public accounting firm.</div>

      <div><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">During the year ended December 31, 2022 and December 31, 2021 and the subsequent interim period through September 19, 2023, neither management, the
        Company nor anyone on its behalf, consulted Kerber, Eck &amp; Braeckel LLP regarding either (i) 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 financial statements of the Company and no written report or oral advice was provided to the Company by Kerber, Eck &amp; Braeckel LLP or (ii) any matter that was either the subject of a disagreement (as defined in Item 304(a)(1)(iv) or
        Regulation S-K and the related instructions) or a reportable event (as described in Item 304(a)(1)(v) of Regulation S-K).</div>

      <div><br />
      </div>

      <div><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">EXHIBITS:</div>

      <div><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Armanino letter to the SEC Commissioner regarding the above statements concerning their firm.</div>

      <div><br /></div>

      <div><br />
      </div>

      <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">SIGNATURES</div>

      <div><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">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 thereunto duly authorized.</div>

      <div><br />
      </div>

      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 48.8%; vertical-align: top;">&#160;</td>

    <td style="width: 6.35%; vertical-align: top;">&#160;</td>

    <td style="width: 44.85%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">UTG, INC.</div>
            </td>

  </tr>

  <tr>

    <td style="width: 48.8%; vertical-align: top;">&#160;</td>

    <td style="width: 6.35%; vertical-align: top;">&#160;</td>

    <td style="width: 44.85%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 48.8%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Date:&#160; September 20, 2023</div>
            </td>

    <td style="width: 6.35%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">By:</div>
            </td>

    <td style="width: 44.85%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">/s/ Theodore C. Miller</div>
            </td>

  </tr>

  <tr>

    <td style="width: 48.8%; vertical-align: top;">&#160;</td>

    <td style="width: 6.35%; vertical-align: top;">&#160;</td>

    <td style="width: 44.85%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Theodore C. Miller</div>
            </td>

  </tr>

  <tr>

    <td style="width: 48.8%; vertical-align: top;">&#160;</td>

    <td style="width: 6.35%; vertical-align: top;">&#160;</td>

    <td style="width: 44.85%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Senior Vice President</div>
            </td>

  </tr>

  <tr>

    <td style="width: 48.8%; vertical-align: top;">&#160;</td>

    <td style="width: 6.35%; vertical-align: top;">&#160;</td>

    <td style="width: 44.85%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">and Chief Financial Officer</div>
            </td>

  </tr>


</table>
      <div><br />
      </div>

    </div>

    <div> <br />
    </div>

  </div>

</body>
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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 20, 2023
UTG, INC
(Exact name of registrant as specified in its charter)
Delaware
0-16867
20-2907892
(State or other jurisdiction
of incorporation)
(Commission
File Number)
(IRS Employer
Identification No.)
205 North Depot Street
Stanford
,
Kentucky
40484
(Address of principal executive offices)
(Zip code)
Registrant's telephone number, including area code (
217
)
241-6300
Not Applicable
(Former Name or Former Address, if Changed Since Last Report)
Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
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. below):
☐
Written communications pursuant to Rule 425 under the Securities
          Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange
          Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under
          the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under
          the Exchange Act (17 CFR 240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act
          of 1934 (§240.12b-2 of this chapter):
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
          provided pursuant to Section 13(a) of the Exchange Act. ☐
Section 4 – Matters Related to Accountants and Financial Statements
Item 4.01 – Changes in Registrant's Certifying Accountant
Armanino LLP, the Company's external audit firm, notified the Company that they would be resigning as the Company's independent registered public
        accounting firm for the upcoming year end 2023.  The decision to discontinue the engagement related to a change in direction at the audit firm.
During the Company's year ended December 31, 2022 and December 31, 2021, and the subsequent interim period through September 19, 2023, during which
        Armanino served as the Company's independent registered public accounting firm, there were no: (1) disagreements (as defined in Item 304(a)(1)(iv) of Regulation S-K and the related instructions) with Armanino on any matter of accounting principles
        or practices, financial statement disclosure, or auditing scope or procedures, which disagreements if not resolved to their satisfaction would have caused them to make a reference in connection with their opinion to the subject matter of the
        disagreement, or (2) reportable events (as described in Item 304(a)(1)(v) of Regulations S-K).
The Company has provided Armanino with a copy of the disclosures proposed to be made in this Form 8-K and requested that Armanino furnish the Company
        with a letter addressed to the Commission stating whether it agrees with the statements made by the Company in response to Item 304(a) of Regulation S-K, and, if not, stating the respects in which it does not agree.  The Armanino letter is attached
        hereto as an exhibit.
On September 19, 2023, the Company's audit committee approved the appointment of Kerber, Eck & Braeckel LLP as the Company's independent registered
        public accounting firm.
During the year ended December 31, 2022 and December 31, 2021 and the subsequent interim period through September 19, 2023, neither management, the
        Company nor anyone on its behalf, consulted Kerber, Eck & Braeckel LLP regarding either (i) 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 financial statements of the Company and no written report or oral advice was provided to the Company by Kerber, Eck & Braeckel LLP or (ii) any matter that was either the subject of a disagreement (as defined in Item 304(a)(1)(iv) or
        Regulation S-K and the related instructions) or a reportable event (as described in Item 304(a)(1)(v) of Regulation S-K).
EXHIBITS:
Armanino letter to the SEC Commissioner regarding the above statements concerning their firm.
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 thereunto duly authorized.
UTG, INC.
Date:  September 20, 2023
By:
/s/ Theodore C. Miller
Theodore C. Miller
Senior Vice President
and Chief Financial Officer