Our Story

History of UTG

Today UTG, Inc. serves as the holding company for Universal Guaranty Life Insurance Company, Cumberland Woodlands, LLC and Stanford Wilderness Road, LLC. Through this diverse mix of business ventures and investments, we are able to reach into different markets and balance the ups and downs of an ever-changing economy.

  • 1966

    Universal Guaranty Life Insurance Company was formed

    Universal Guaranty Life Insurance Company formed in Columbus, Ohio, in 1966 and sold individual life insurance policies to families throughout the Midwest.

  • 1984

    United Trust, Inc was incorporated

    United Trust, Inc. was incorporated in Springfield, Illinois, and through its subsidiary, United Trust Assurance Company, sold life insurance policies in Illinois.

  • 1992

    Universal Guaranty Life Insurance Company was acquired by United Trust, Inc

    In 1992, United Trust acquired Universal Guaranty Life Insurance Company. Today, Universal Guaranty holds all of the company’s insurance policies.

  • 1998

    Relationship began with First Southern National Bank

    In 1998, United Trust began a relationship with First Southern National Bank through the common ownership of entrepreneur and businessman, Jess Correll (Correll Group). Soon after its acquisition, United Trust, Inc. was formally renamed as United Trust Group, Inc. Today, the Correll Group is the majority stockholder of both companies.

  • 2005

    United Trust Group, Inc. becomes UTG, Inc.

    In 2005, United Trust Group, Inc. completed the final steps of a series of mergers and consolidations, creating one holding company and one life insurance subsidiary, Universal Guaranty. Through this process, United Trust Group, Inc. became UTG, Inc. In addition to the mergers and consolidations that formed UTG, the company, and those it has assumed over time, has a strong history of acquiring life insurance companies, some with histories and policies dating to the 1920s.

  • 2016

    Corporate headquarters relocated to Stanford, Kentucky

    Together, UTG and FSB have formed an organization covering the full range of financial services from banking to life insurance and annuities. In April 2016, UTG relocated its corporate headquarters to Stanford, Kentucky, where First Southern Bancorp is also headquartered. Through this move, the two companies will be able to strengthen their relationship with each other and increase the level of efficiency and service shown to customers and investors in both organizations.

Our Friends in Stanford

We are proud to share goals with businesses in our community.

One of the guiding factors in the decision to move UTG to Stanford was the philosophy that Kentucky is our Home and Stanford is our Core. Through our connection with First Southern, we already had relationships with local businesses, including The Stanford Inn at Wilderness Road, Kentucky Soaps & Such, Esther’s Wellhouse, Cerulean, and The Bluebird. These businesses are all a part of Wilderness Road Hospitality and located in the heart of downtown Stanford. What began as a mission to bring life back to Stanford’s downtown has developed into a family of businesses with world-class amenities in a unique small-town setting.

We welcome you to learn more about our friends in Stanford by visiting their sites below.

First Southern National Bank
A community bank serving Central and Western Kentucky, with branches in 12 counties: Caldwell, Christian, Fayette, Garrard, Lincoln, Logan, Jessamine, Madison, Muhlenberg, Pulaski, Wayne and Warren.
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The Stanford Inn at Wilderness Road
The Inn at Wilderness Road is a group of houses and rooms that combine southern charm and modern convenience.
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Esther's Wellhouse
Esther’s Wellhouse focuses on providing rest, relaxation and rejuvenation for the body, mind and spirit.
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Kentucky Soaps and Such
Kentucky Soaps & Such is a store that produces its own natural goat milk bath products and sells local artisan gifts.
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The Bluebird
The Bluebird is a farm-to-table restaurant featuring chef-prepared dishes.
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Cerulean hosts and caters unique fine dining experiences in Stanford.
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Our Community

Kentucky is our Home, Stanford is our Core.

UTG and our family of businesses are blessed to be part of a community that inspires us and makes us proud to call Central Kentucky home. We believe Stanford is our core, and we’re committed to making it – and every place our reach extends – better through a set of driving ideals we call the Triple Bottom Line.

Life Insurance Companies Associated with UTG

These companies have been assumed or are subsidiaries of UTG.

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Abraham Lincoln Insurance Company Springfield, IL
All-American Mutual Insurance Association Richmond, VA
Alliance Life Insurance Company McPherson, KS
American Capitol Insurance Company Houston, TX
Appalachian Life Insurance Company Huntington, WV
Atlantic National Life Insurance Company Norfolk, VA
Blue Bonnett Waco, TX
Burgess-Fry Waco, TX
Capital Savings Life Insurance Company Mattoon, IL
Cattleman’s Life Insurance Company Oklahoma City, OK
Cimarron Life Insurance Company Cimarron, KS
Colonial Life and Casualty Company Richmond, VA
Employers Protective Life AR
Executive National Life Insurance Company Rosemont, IL
Executive Security Life Insurance Company Springfield, MO
Family Life Insurance Company of Texas Waco, TX
First Commonwealth Life Insurance Company Richmond, VA
Future Security Life Insurance Company Austin, TX
Great Lakes Insurance Company Elgin, IL
Home Security Life Insurance Company Paul’s Valley, OK
Investors Trust Assurance Company Indianapolis, IN
Laymen Life Insurance Company Anderson, IN
Liberty American Life Insurance Company Columbus, OH
Liberty American Assurance Company Lincoln, NE
Lincoln Continental Life Insurance Company Mattoon, IL
Midwest Life Insurance Company Berwyn, IL
Modern Investors Life Insurance Company Little Rock, AR
Modern States Life Insurance Company Atlanta, GA
Monticello Life Insurance Company Chicago, IL
Mutual Benefit Fund Association Richmond, VA
Mutual Life Insurance Association Richmond, VA
National Union Life Insurance Company Richmond, VA
Oakley-Metcalf Insurance Company Lufkin, TX
Pilgrim Life Insurance Company Indianapolis, IN
Pioneer-Security Life Insurance Company Chicago, IL
Regal China GA or IN
Richmond Life Insurance Company Richmond, VA
Roosevelt National Life Insurance Company of America Springfield, IL
Statesman National Life Insurance Company Lufkin, TX
The North American Life Insurance Company Richmond, VA
Transcontinental Life Insurance Company Evanston, IL
Trans-Western Life Insurance Company Houston, TX
United Life IL
United Security Assurance Company Columbus, OH
United Trust Assurance Company Springfield, IL
United Trust Life Insurance Company Dallas, TX
Universal Guaranty Life Insurance Company Columbus, OH
Universal Life Insurance Company Houston, TX
Veteran’s Life Insurance Company Atlanta, GA
World Service Life Insurance Company Houston, TX

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