-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 BLDjWfm/Ag2nwow8a9ldZM4RYADqkJX3GvsFECmLWtgl9Hz1thi+nEDm3FRL/Zyf
 nOvvCgeABPY10G20HfhceQ==

<SEC-DOCUMENT>0001140361-09-001478.txt : 20090120
<SEC-HEADER>0001140361-09-001478.hdr.sgml : 20090119
<ACCEPTANCE-DATETIME>20090120110553
ACCESSION NUMBER:		0001140361-09-001478
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20090115
FILED AS OF DATE:		20090120
DATE AS OF CHANGE:		20090120

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UTG INC
		CENTRAL INDEX KEY:			0000832480
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				202907892
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 5147
		STREET 2:		5250 SOUTH SIXTH STREET ROAD
		CITY:			SPRINGFIELD
		STATE:			IL
		ZIP:			62703
		BUSINESS PHONE:		2173236300

	MAIL ADDRESS:	
		STREET 1:		PO BOX 5147
		STREET 2:		5250 SOUTH SIXTH STREET
		CITY:			SPINGFIELD
		STATE:			IL
		ZIP:			62705

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNITED TRUST GROUP INC
		DATE OF NAME CHANGE:	20001206

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNITED TRUST INC /IL/
		DATE OF NAME CHANGE:	19920703

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			FIRST SOUTHERN  INVESTMENTS LLC
		CENTRAL INDEX KEY:			0001240843
		STATE OF INCORPORATION:			KY
		FISCAL YEAR END:			1230

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16867
		FILM NUMBER:		09533318

	MAIL ADDRESS:	
		STREET 1:		P O BOX 328
		CITY:			STANFORD
		STATE:			KY
		ZIP:			40484
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0303</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2009-01-15</periodOfReport>

    <notSubjectToSection16>1</notSubjectToSection16>

    <issuer>
        <issuerCik>0000832480</issuerCik>
        <issuerName>UTG INC</issuerName>
        <issuerTradingSymbol>UTGN.OB</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001240843</rptOwnerCik>
            <rptOwnerName>FIRST SOUTHERN  INVESTMENTS LLC</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>99 LANCASTER STREET</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>STANFORD</rptOwnerCity>
            <rptOwnerState>KY</rptOwnerState>
            <rptOwnerZipCode>40484</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle></officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2009-01-15</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F1"/>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>6544</value>
                </transactionShares>
                <transactionPricePerShare>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <footnotes>
        <footnote id="F1">On January 15, 2009, First Southern Investments, LLC was dissolved and distributed 6,544 shares of Common Stock to certain of its members in liquidation of their membership interests.  The shares were valued at $11.50 per share for the purpose of determining the total value of the company and the resulting allocation of the number of shares distributable to each member in accordance with their respective sharing ratios.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/ Jill Martin, Attorney in Fact</signatureName>
        <signatureDate>2009-01-16</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----