Universal Guaranty Life Insurance Company is a 100% owned subsidiary of UTG, Inc.  Universal Guaranty is a solid and secure life insurance company established to help ease the financial burdens faced during life’s most stressful times. We continually remind ourselves that the funds we manage belong to our clients and recognize each one as an individual person, not just a policy number. Universal Guaranty is committed to financial responsibility and ensuring the proceeds of every policy are there when needed and due.