<SEC-DOCUMENT>0000101199-16-000573.txt : 20160719
<SEC-HEADER>0000101199-16-000573.hdr.sgml : 20160719
<ACCEPTANCE-DATETIME>20160719140205
ACCESSION NUMBER:		0000101199-16-000573
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20160719
ITEM INFORMATION:		Temporary Suspension of Trading Under Registrant's Employee Benefit Plans
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20160719
DATE AS OF CHANGE:		20160719

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UNITED FIRE GROUP INC
		CENTRAL INDEX KEY:			0000101199
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				452302834
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-34257
		FILM NUMBER:		161773140

	BUSINESS ADDRESS:	
		STREET 1:		118 SECOND AVE SE
		CITY:			CEDAR RAPIDS
		STATE:			IA
		ZIP:			52401
		BUSINESS PHONE:		3193995700

	MAIL ADDRESS:	
		STREET 1:		P O BOX 73909
		CITY:			CEDAR RAPIDS
		STATE:			IA
		ZIP:			52407

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNITED FIRE GROUP, INC.
		DATE OF NAME CHANGE:	20120202

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNITED FIRE & CASUALTY CO
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>ufg8-k7x19x16.htm
<DESCRIPTION>8-K
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2016 Workiva -->
		<title>Document</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="s6BEC4825315E6094B99BA31A1F4AE93C"></a></div><div style="line-height:120%;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-weight:bold;">UNITED STATES</font></div><div style="line-height:120%;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</font></div><div style="line-height:120%;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-weight:bold;">Washington, D.C. 20549</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-weight:bold;">FORM 8-K</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">CURRENT REPORT</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Date of Report (Date of earliest event reported): July 19, 2016 </font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font><img src="ufglogo2016a05.jpg" style="height:74px;width:133px;"></div><div style="line-height:120%;text-align:center;font-size:15pt;"><font style="font-family:inherit;font-size:15pt;font-weight:bold;">United Fire Group, Inc.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Exact name of registrant as specified in its charter)</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:96.29629629629629%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:32%;"></td><td style="width:2%;"></td><td style="width:32%;"></td><td style="width:2%;"></td><td style="width:32%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Iowa</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">001-34257</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">45-2302834</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(State or other jurisdiction</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">of incorporation)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Commission File Number)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(IRS Employer Identification No.)</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:96.29629629629629%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:50%;"></td><td style="width:3%;"></td><td style="width:47%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">118 Second Avenue, S.E.,</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Cedar Rapids, Iowa</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;<br>52401</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Address of principal executive offices)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Zip Code)</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Registrant's telephone number, including area code: </font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(319) 399-5700</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">_________________________________________________________________</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Former name or former address, if changed since last report.)</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;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:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:2%;"></td><td style="width:1%;"></td><td style="width:97%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">o</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">o</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">o</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">o</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></div></td></tr></table></div></div><div><br></div><hr style="page-break-after:always"><div><a name="s9848A1078ABADD0C3FDBA31A1F4C3794"></a></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Item 5.04. Temporary Suspension of Trading Under Registrant's Employee Benefit Plans.</font></div><div style="line-height:120%;padding-bottom:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Effective September 1, 2016, the recordkeeper under the United Fire Group 401(k) Plan (the "Plan") will change. As a result of this change in recordkeeper, a conversion period is necessary to transition account and Plan records. On July 19, 2016, the plan administrator of the Plan sent notice to participants in the Plan, informing them that the Plan is changing its recordkeeper. The notice also stated that while this conversion is being made, participants in the Plan will not be able to access their accounts to direct or diversify investments in their individual accounts, including accounts that hold common stock of United Fire Group, Inc. (the "Company"), to obtain a loan or distribution from the Plan, to obtain a hardship withdrawal from the Plan or to make contribution election changes. Participants will not be able to effectuate these transactions for the period beginning on or around August 25, 2016 and ending as soon as the transition to the new recordkeeper is complete, which is expected to take place during the week beginning September 12, 2016. This period is referred to as the &#8220;Blackout Period.&#8221;</font></div><div style="line-height:120%;padding-bottom:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pursuant to Rule 104(b)(1)(iv)(B) of Regulation BTR, directors and executive officers may obtain, without charge, information as to whether the Blackout Period has begun or ended. During the Blackout Period and for a period of two years after the ending date of the Blackout Period, Company shareholders or other interested persons may obtain, without charge, the actual beginning and ending dates of the Blackout Period by contacting Regulatory Attorney Chad Zenisek, United Fire &amp; Casualty Company, Accounting Department, 118 2nd Ave SE, Cedar Rapids, IA 52401, or by phone at (319) 286-2535, or e-mail at czenisek@unitedfiregroup.com.</font></div><div style="line-height:120%;padding-bottom:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">On July 19, 2016, the Company sent a blackout trading restriction notice (the &#8220;BTR Notice&#8221;) to its executive officers and directors informing them that, pursuant to Section 306(a) of the Sarbanes-Oxley Act of 2002 and the Securities and Exchange Commission's rules promulgated thereunder, they would be prohibited during the Blackout Period from purchasing and selling shares of the Company&#8217;s common stock (including derivative securities pertaining to such shares) acquired in connection with their employment as an executive officer or service as a director.</font></div><div style="line-height:120%;padding-bottom:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">A copy of the BTR Notice is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</font></div><div style="line-height:120%;padding-top:13px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Item 9.01. Financial Statements and Exhibits.</font></div><div style="line-height:120%;padding-top:13px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(d) Exhibits.</font></div><div style="line-height:120%;padding-top:13px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following exhibits are furnished herewith.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:15%;"></td><td style="width:85%;"></td></tr><tr><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Exhibit 99.1</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Notice to Executive Officers and Directors of United Fire Group, Inc. regarding the 401(k) Plan Blackout Period and Trading Restrictions.</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Signatures</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;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 hereunto duly authorized.</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:7%;"></td><td style="width:33%;"></td><td style="width:1%;"></td><td style="width:59%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">United Fire Group, Inc.</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Registrant)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Dated:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">July 19, 2016</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Dawn M. Jaffray</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Dawn M. Jaffray, Sr. Vice President &amp; Chief Financial Officer</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><hr style="page-break-after:always"><div><br></div><div style="line-height:120%;padding-bottom:13px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">EXHIBIT INDEX</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:624px;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:48px;"></td><td style="width:4px;"></td><td style="width:570px;"></td></tr><tr><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Exhibit Number</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Description of Exhibit</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">99.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Notice to Executive Officers and Directors of United Fire Group, Inc. regarding the 401(k) Plan Blackout Period and Trading Restrictions.</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>btrnotice.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2016 Workiva -->
		<title>Exhibit</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="sE56E2054EAD9623E3C44BC268A5333A3"></a></div><div></div><div><br></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">TO: Executive Officers and Directors of United Fire Group, Inc.</font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">FROM: Tim Spain, VP&#8211;Human Resources; Dawn Jaffray, SVP &amp; CFO</font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">DATE: July 19, 2016</font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">RE: Important Notice Regarding Blackout Period and Restrictions on Ability to Trade Company Common Stock of United Fire Group, Inc.</font></div><div style="line-height:120%;padding-bottom:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This notice is to inform you of restrictions on your ability to trade equity securities of United Fire Group, Inc. (the &#8220;Company&#8221;) during an upcoming &#8220;blackout period&#8221; that will apply to the United Fire Group 401(k) Plan (the "Plan"). This special &#8220;blackout period&#8221; is imposed on executive officers and directors of the Company by the Sarbanes-Oxley Act of 2002 and Securities and Exchange Commission Regulation BTR (Blackout Trading Restriction) and is </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">in addition</font><font style="font-family:inherit;font-size:10pt;">&#32;to the Company&#8217;s regular trading blackout periods related to its earnings releases.</font></div><div style="line-height:120%;padding-bottom:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The blackout period is being imposed because of the transition to a new recordkeeper for the Plan. During the blackout period, participants in the Plan will not be able to access their accounts to direct or diversify investments in their individual accounts, including accounts that hold Company common stock, to obtain a loan or distribution from the Plan, obtain a hardship withdrawal from the Plan or to make contribution election changes. Accordingly, participants in the Plan will not be able to change the portion of their accounts invested in the Company&#8217;s common stock under the Plan. </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">The blackout period is expected to begin on or around Thursday, August 25, 2016, and will end as soon as the transition to a new recordkeeper has been completed, which is expected to take place during the week beginning September 12, 2016 (the &#8220;Blackout Period&#8221;).</font><font style="font-family:inherit;font-size:10pt;">&#32;During the Blackout Period, directors and executive officers may obtain, without charge, information as to whether the Blackout Period has begun or ended by contacting Chad Zenisek at 118 2nd Ave SE, Cedar Rapids IA 52401, czenisek@unitedfiregroup.com, or 319-286-2535.</font></div><div style="line-height:120%;padding-bottom:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In accordance with Section 306(a) of the Sarbanes-Oxley Act of 2002 and Rule 101 of Securities and Exchange Commission Regulation BTR, the Company&#8217;s directors and executive officers are prohibited during the Blackout Period from purchasing, selling, or otherwise acquiring or transferring, directly or indirectly, any equity securities of the Company acquired in connection with his or her employment as an executive officer or service as a director of the Company.</font></div><div style="line-height:120%;padding-bottom:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Please note the following:</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#8220;Equity securities&#8221; is defined broadly to include the Company&#8217;s common stock, stock options, and other derivative securities.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">2.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Prohibited transactions are not limited to those involving your direct ownership, but include any transaction in equity securities in which you have a pecuniary interest (for example, transactions by your immediate family members living in your household).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">3.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Among other things, these rules prohibit selling shares of the Company's common stock acquired pursuant to an exercise of options granted to you in connection with your employment as an executive officer or service as a director of the Company, selling shares of the Company's common stock originally received as a restricted stock grant or upon the vesting of a restricted stock unit award, or selling shares to cover withholding taxes upon the vesting of restricted stock unit awards.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">4.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Exemptions from these rules generally apply for purchases or sales under pre-existing Rule 10b5-1 plans, dividend reinvestment plans, sales required by law and certain other &#8220;automatic&#8221; transactions, such as previously-elected salary deferral contributions into the Plan.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">5.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Although you are permitted to engage in transactions involving equity securities that were not acquired in connection with your employment as an executive officer or service as a director of the Company, there is a presumption that any such transactions are prohibited unless you can identify the source of the shares and show that you used the same identification for all related purposes, such as tax reporting and disclosure requirements.</font></div></td></tr></table><div style="line-height:120%;padding-bottom:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Inquiries with respect to the Blackout Period, including the date on which it has ended, should be directed to Chad Zenisek at 118 2nd Ave SE, Cedar Rapids IA 52401, czenisek@unitedfiregroup.com, or 319-286-2535.</font></div><div style="line-height:120%;padding-bottom:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">These rules apply in addition to the trading restrictions under the Company&#8217;s Insider Trading Policy. If you engage in a transaction that violates these rules, you may be required to disgorge your profits from the transaction, and you may be subject to civil and criminal penalties. Please remember that you are required to pre-clear any trades or transfers you would like to make in the Company's common stock.</font></div><div><br></div><div></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>ufglogo2016a05.jpg
<TEXT>
begin 644 ufglogo2016a05.jpg
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M+W)D9CI21$8^(#PO>#IX;7!M971A/B \/WAP86-K970@96YD/2)R(C\^_^T
M2%!H;W1O<VAO<" S+C  .$))300$       /' %:  ,;)4<< @   @ " #A"
M24T$)0      $/SA'XG(M\EX+S1B- =8=^O_[@ .061O8F4 9,     !_]L
MA  &! 0$!00&!04&"08%!@D+" 8&" L,"@H+"@H,$ P,# P,#! ,#@\0#PX,
M$Q,4%!,3'!L;&QP?'Q\?'Q\?'Q\? 0<'!PT,#1@0$!@:%1$5&A\?'Q\?'Q\?
M'Q\?'Q\?'Q\?'Q\?'Q\?'Q\?'Q\?'Q\?'Q\?'Q\?'Q\?'Q\?'Q\?'Q__P  1
M" !Q ,@# 1$  A$! Q$!_\0 O0   @,! 0$!              <%!@@$ 0,"
M 0 " P$! 0              ! ,%!@(!!Q   0," P0$" <*"@L      0(#
M!  %$1(&(3$'"$%1$[-A<2*R<W0U-H&Q0G(4-#>1H3)2DC.3%756T6*"(]-D
ME+06%\&BTE.#A"5%)A@X$0 " 0,!!00(!0(' 0       0(1 P0Q(4$2,@51
M<<$&88&Q<A,S%#21T2)2LJ$5\.%"@I(D-:+_V@ , P$  A$#$0 _ -4T % !
M0 4 % !0 4 % !0 4 % 'PG?3OH3_P! [+Z;V:OHP?S=EVF'D=ID\K+COPVU
MZJ5V@S.=PYH-9VZ=(@3=/PV)<1Q;,AE2W<4N-DI4DX'H(JP6'%JJ8J[[6X_$
M;FOOWTEKZ58XIC9T]N&EN!>3'RLF8X9L-V-#PEVA]0^PT;:[E"NEMBW*"X'8
M<QI#\=P;,R'$A23@=VPU7M-.C&4ZG37AZ% $?>]062Q0E3KQ.9@Q4[.U>6$@
MGJ2-ZCX!MKJ,7)T1XVEJ*?4'-)HR$XMJSP95U4G\%XX1F5>(KS.?=134<.3U
MV$+OK<5![FPU"5XL6&(A'0E;KJS]T9/BJ7Z)=IQ]0^P[[5S9.=H$W;3P[,[W
M(K^T?R'$[?RJYEA=C/5D=J&5I'CCP\U,XB.Q/,"<Y@$PYX#*B3T)7BII1\ 5
MCX*7GC3B2QNQ9?J@)"ASN+EIB7-V,8+ZH3"PA<P% *D9G4J>99QSN-),=WRA
MM(0H@' 8@%[2I*TA:"%)4,4J&T$'<10![0 4 % !0 4 % !0 4 % !0 4 %
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MK5$MJY1TW&NJJAT* "@ H * "@ H R?QKOTF[<0;BVM9,>W*$.,WT)#8\O\
M*<S&JS(E63/H'1;"MX\>V6U_X[BCL,//O-L,(4Z\ZH(::0"I2E*."4I VDDU
M"6DI)*KT'!PSX2Z]M&LK1>+C;A'A1UJ6\I3S)4D*;4D8H2LJWJINU9DI)M&<
MZEU;'N690C*LGZ'VFB*>,<% !0!F[FS]J:<]!)\]NK#!T8KD:H0=/BYI'E,]
ME:B]/&\QRJ[.U0SCZ,H/,9JUR]\0'K<A9,&QH^BM(Q\GME8*?7AUYL$'YHJ?
M$A2%>TCO2K(5E-$0Y. W"JWWKM]7:F2@:>MQ5V#+V"6GG&AF6XZ5;.Q:&_H)
MW[$D%/)O-?ICJ36;==KT/.)O,+?+Q)=MFDW5VJQM$MIE-8MR7P-F;-O:1^*E
M."NL] +.*EMEM87+S>@GWWWY#JGGW%.NK.*W%J*E$^$G;3:1"3&F=;:JTS*3
M(LER>B$$%325$LKP.."VE8H5\(KB=N,M4>QDUH:$T[J+2W&_2S]AOK+<+4\)
MLN-N-C:@[!](CYCFR9L XV3\.XA"<)6957*,QDKBH]3..H[!<=/7R;9;DCLY
ML%PM.@;CTI6G'#%*TD*2>HU8PDI*J%I*CH1U='AM#@?JYS4W#R!(D.%R= )@
M3%G:2M@#(HD[RII2"3UXU3Y$.&8]:E6(L>-6M-6VG7LJ';;O*B1$LL*2PRZI
M" 5-@G #K-5.1<DI;&;;HN%9N8ZE*,6ZO<43_,KB!^\$_P#3K_AJ'XLNTMO[
M;C_LC^ \.7W4%\O5GNSUVGOSG&I#:&E/K*RE)1B0,:<QI-IU,MU_'MVIQ4(J
M.S<0W,#JK4EEO-I;M-SD06WHZU.H8<4@*4%X G"N,F;35&,] Q;5V$G.*E1[
MQ4?YE<0/W@G_ *=?\-+?%EVF@_MN/^R/X%MTWKO63N@M7SG;S+<EPU6T17UN
MJ4IOM7UI<RD[LP&!J6%R7"W7L*[)P;"R+45"-'QUV=B%G,F2ILMZ7+=4])D+
M+CSRSBI2U'$J)\-+MU+R$%%**5$CV#.EP)C4R&ZIB4PH+9>1L4E0W$&A.AY.
M"G%QDJIC$X=<0=<7#7%EA2[U+D17Y*$O,K62E2=I((ZJGM79.2VE/U'I]B%B
M<HPBFD=?$CC9?KK<Y$'3\M<"S,J+;;S!R//Y21VA<'E)2KY*1ALW^ NY#;HM
M"+IW1;=N*E<7%-]NB*7!U[K6#(3(C7R:EQ)QP6^MQ)^<A94E7PBHE=DMY9SP
M+$E1PC^!?KOQ^U')T[;E6]]$&]M..-W)(90XAY&5);=1VB5!.W,%)Z_!4TLE
MT5-2IM=!M1N2XEQ0W;=.U"ZUAJR^ZP=BNZ@?$M<-*TQRE"&LH<(*OS81C^"-
M]>V\Z[#E?]$,RZ!ARUA_]/\ ,IUSC,L+;#2<H4#CM)Z?#5YTW(G=C)S=:,R?
MF+ LXUR"M+A4HMO:WO\ 2:$Y3U!-HU(I6P)>CDGP!#E>YNJ*?'T9GJ[W!VY7
M:;<'CB[,?=D.$]*G5E9^^:?BJ*@LW5G(E)4H)2,5$X #I)KT#2/&V4=%\([!
MHR">Q<FI0Q**-F=N.D.2#LZ7'UI*NO:.FJ_'7'<<F,W?TQ2,W58BP4 % $UH
MO4LK3.J;;?(ZB##?2IU*?ELGR74?RVR17%R'%%H]C*CJ-WFHL4=%TLFHXP3A
M<&5QWUI^46<JVU'K)0X1CU"E,*6QHGR%M3$13PN:#Y3KL]V]_M!.+)2S+0.I
M0*FU_=&7[E(9L=&,X[U1"<?OM(E^@C]V*SV3SGT7H/VR[V+FERY-"\LWL&\^
MM-]W3V)HS'^9?F0]WQ('F:]NV7U5SO*XR]4-^6OES[Q,4H:4;G ?3UNU' U1
M9;D%F#)3"6Z&U9%XM..*3@K;TTUCQ4DTS/==R)696YQYEQ?UH+O6%LBVK55W
MML0*$6'+>89"SF5D;64C$].P5!-4DT7.)==RU&3UE%,AZX&!W6#0.G8'"Y&N
M&/I"+ZS"??:<2[@@.XK:2<N&X=5-QMI0XMYE\C/N3RO@.GPW)+3UB4I,TQ,Z
M0TQ-U/J"+98:T-.R2HEUS'*A"$E:E'#:=B=@ZZ[A!R=!;+R8V+;G+1$KQ&X=
M3M$W"-&?E(F,3&RXP^A)0<4'!:5()5AAB.FNKMIP9!T[J$<F+:5&BHU$6!%W
MG\XUXC\=:#HW)+O\##^;OFV_<?\ (?/*W[N:K^<SW3E,YFJ,W8T9G6K 6.BV
M>T8OIF_.%>/0$/GFU^M:8]',^-FD<'>,9&XS]3XN/3E4B1'[Y?U/LH=4F(TA
M*EI"B$K6<P&/0K 8TCFO8B?'6UB7O3;;5YGMM)"&T2'4H0G8 D+( 'BIR.A
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M3LQ&;&I+4^&51//Q?CV7"M&R;XM\186M+G"<@1G(\2"TM""_E#BU.$%1(25
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!V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
