UNIVERSAL TRANSFER TO MINORS (UTMA) ACCOUNT - If a minor child inherits, the inheritance 

must be held in a Custodial Account like a Universal Transfer to Minors Account (UTMA).

UNSECURED DEBT - An entity, or individual, to which a debt is owed by the Decedent of the Estate.  Secured Creditors have collateral for the debt owed, such as a mortgage or auto loan.  Unsecured Creditors do not have collateral and tend to be credit cards, personal loans, health care professionals/facilities or other individuals.