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Insurance Licensing PA-Title-Insurance-Agent Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Title Exceptions and Procedures for Clearing Title	21%	- General exceptions - Property-related issues 1. Equitable interests 2. Attachments 3. Water rights 4. Surveys 5. Mineral rights 6. Condominiums - Liens and encumbrances 1. Taxes and assessments 2. Federal liens 3. Involuntary liens 4. Voluntary liens 5. Judgments
Topic 2: Insurance Regulation	12%	- Title insurance law requirements 1. Examination of title required - Federal regulation 1. Fraud and false statements (18 USC 1033/1034) 2. Fair Credit Reporting Act - Company regulation 1. Rates regulation 2. Solvency requirements 3. Unfair claims settlement practices - Producer regulation 1. Prohibited acts 2. Record keeping 3. Unfair inducements and marketing practices 4. Charges for extra services - Licensing 1. Renewal 2. Assumed names 3. Disciplinary actions 4. Revocation, suspension, nonrenewal or denial of license 5. Licensing process 6. Appointment procedures 7. Persons to be licensed 8. Continuing education 9. Address change 10. Cease and desist orders 11. General requirements 12. Expiration 13. Reporting of actions 14. Maintenance and duration 15. Title producer additional requirements - Unfair trade practices 1. False advertising 2. Unfair discrimination 3. Boycott, coercion or intimidation 4. Misrepresentation 5. Twisting 6. Rebates and inducements 7. Defamation - State regulation 1. Commissioner's general duties and powers
Topic 3: Title Insurance Principles		- Risks covered by title insurance 1. Hidden off-record risks 2. Errors by producer 3. Errors in public records - Insurable interests 1. Leasehold estate 2. Life estate 3. Fee simple estate 4. Easements - Title insurance policies 1. Leasehold policy 2. Loan policy 3. Commitments 4. Owner's policy 5. Enhanced policies - Policy structure 1. Schedule A 2. Conditions and stipulations 3. Schedule B exceptions 4. Exclusions 5. Endorsements 6. Insuring provisions - Title search techniques 1. Hard copy index 2. Computer index 3. Chain sheet
Topic 4: General Insurance Concepts	3%

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q42-Q47):

NEW QUESTION # 42
A deed to a lot in Greenacre is recorded. Two parties who are NOT married to each other are named as grantees. The deed does NOT mention any form of tenancy. How do the grantees hold title to the lot?

A. as joint tenants
B. as tenants by the entireties
C. as tenants at sufferance
D. as tenants in common

Answer: D

Explanation:
When two unmarried grantees receive title and the deed does not state a survivorship form or another specific tenancy, the default ownership form is tenancy in common. Each co-owner holds an undivided interest that can be conveyed, devised, or inherited separately. Tenancy by the entireties is only available to married spouses, so it cannot apply here. Joint tenancy requires survivorship language or a clear expression of that intent; it is not presumed merely because two people are named as grantees. Tenancy at sufferance is not an ownership estate; it describes a holdover occupancy situation. The Pennsylvania Title Insurance outline specifically tests joint ownership types, including tenants in common, joint tenancy, and tenancy by the entirety.

NEW QUESTION # 43
Coverage under a loan policy remains effective

A. during the life of the owner.
B. until the secured debt is satisfied.
C. until the lender assigns the mortgage.
D. until the property is sold.

Answer: B

NEW QUESTION # 44
What requirements define which closing costs are allowable as charges to the borrower?

A. RESPA
B. FHA
C. State
D. ALTA

Answer: B

Explanation:
FHA requirements define which closing costs and fees may be collected from the borrower in an FHA-insured loan transaction. RESPA governs settlement-service disclosures, escrow rules, and anti-kickback restrictions, but it is not the best answer to a question asking which requirements define allowable charges to the borrower in this loan-closing context. ALTA provides title insurance forms and standards, not borrower-charge rules.
"State" is too broad and does not match the specific loan-program requirement being tested. HUD/FHA guidance identifies customary and reasonable fees that may be collected from the borrower, and the Pennsylvania Title Insurance outline separately lists FHA requirements under settlement and closing procedures.

NEW QUESTION # 45
A waiver is defined as the

A. acceptance of terms of the policy.
B. misrepresentation of a known right.
C. intentional and voluntary giving up of a known right.
D. modification of a known right.

Answer: C

Explanation:
A waiver is the intentional and voluntary relinquishment of a known right. In insurance, waiver can occur when a party with the right to enforce a condition or requirement knowingly gives up that right through words, conduct, or inaction. It is not merely acceptance of policy terms, because acceptance relates to contract formation. It is not misrepresentation, which involves false or misleading statements. It is also not simply modification of a right, because waiver means giving the right up, not changing it. This is a core insurance- contract doctrine and appears in the Pennsylvania Title Insurance exam outline under General Insurance Concepts, specifically legal interpretations affecting contracts, waiver, and estoppel.

NEW QUESTION # 46
What is the purpose of probate of an estate?

A. to avoid inheritance tax
B. to transfer a deceased's debts
C. to establish heirs
D. to foreclose a lien

Answer: C

Explanation:
Probate is used to administer a decedent's estate and determine who has legal authority or entitlement to receive the decedent's property. In title work, probate matters are important because title may pass through a will, intestacy, executor, administrator, heirs, or devisees. The best answer is therefore "to establish heirs." Probate does not exist to avoid inheritance tax; tax issues may arise during administration, but avoidance is not its purpose. It also does not transfer a deceased person's debts or foreclose liens. The Pennsylvania Title Insurance examination outline places decedents' estates, intestate succession, testate succession, and trusts under Real Property, which is exactly the subject tested by this question.

NEW QUESTION # 47
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