Text in modules

Hey guys,

Some of the modules that I have in the CRM need some text to go in between the fields. For example, there are some disclaimers that an employee may need to read before entering their signature below. Or there may be some instructions preceding certain fields in a module, both custom and core. Yet the only way that I can figure so far to do this is to create a text area and include a default text. But this is editable and not what I want. I want some immutable text value to precede certain fields in certain modules. I know there must be a very simple solution to this via php but just not exactly sure how to attack it. Any suggestions? Thanks in advance.

For example:

// addition