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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%	- Liens and encumbrances 1. Involuntary liens 2. Judgments 3. Taxes and assessments 4. Federal liens 5. Voluntary liens - Property-related issues 1. Surveys 2. Water rights 3. Attachments 4. Mineral rights 5. Condominiums 6. Equitable interests - General exceptions
Topic 2: Insurance Regulation	12%	- Unfair trade practices 1. False advertising 2. Defamation 3. Misrepresentation 4. Twisting 5. Rebates and inducements 6. Unfair discrimination 7. Boycott, coercion or intimidation - Federal regulation 1. Fraud and false statements (18 USC 1033/1034) 2. Fair Credit Reporting Act - Licensing 1. Licensing process 2. Expiration 3. Reporting of actions 4. Title producer additional requirements 5. Appointment procedures 6. Renewal 7. Revocation, suspension, nonrenewal or denial of license 8. Address change 9. Persons to be licensed 10. Cease and desist orders 11. Assumed names 12. Disciplinary actions 13. General requirements 14. Maintenance and duration 15. Continuing education - State regulation 1. Commissioner's general duties and powers - Title insurance law requirements 1. Examination of title required - Company regulation 1. Unfair claims settlement practices 2. Solvency requirements 3. Rates regulation - Producer regulation 1. Unfair inducements and marketing practices 2. Record keeping 3. Prohibited acts 4. Charges for extra services
Topic 3: Title Insurance Principles		- Policy structure 1. Schedule A 2. Schedule B exceptions 3. Endorsements 4. Conditions and stipulations 5. Exclusions 6. Insuring provisions - Risks covered by title insurance 1. Errors by producer 2. Hidden off-record risks 3. Errors in public records - Title insurance policies 1. Leasehold policy 2. Owner's policy 3. Commitments 4. Loan policy 5. Enhanced policies - Insurable interests 1. Fee simple estate 2. Leasehold estate 3. Easements 4. Life estate - 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 (Q64-Q69):

NEW QUESTION # 64
Title is vested in Bill and Monica. The deed says nothing as to how they are to hold title or as to their marital status. They are NOT married to each other. The presumption is that

A. they are tenants in common.
B. the conveyance is void.
C. they are joint tenants with rights of survivorship.
D. they are tenants by the entirety.

Answer: A

Explanation:
When title is conveyed to two unmarried people and the deed does not specify another form of ownership, the presumption is tenancy in common. Tenancy by the entirety is available only to married spouses, so it cannot apply to Bill and Monica. Joint tenancy with right of survivorship generally requires clear survivorship language and is not presumed from silence. The conveyance is not void merely because the deed fails to state the tenancy form. In Pennsylvania, a conveyance to two or more persons is presumed to create a tenancy in common unless the deed clearly provides otherwise. This matches the exam outline's real-property focus on joint ownership, tenants in common, joint tenancy, and tenancy by the entirety.

NEW QUESTION # 65
A statement included on a title commitment such as "record warranty deed from the owner shown in Schedule A vesting title in the proposed insured" is an example of a

A. requirement.
B. standard exception.
C. post policy event.
D. condition.

Answer: A

Explanation:
The quoted statement is a requirement because it describes something that must be done before the title insurer will issue the final policy. Recording a warranty deed from the vested owner into the proposed insured is a closing and recording requirement, not an exception. A standard exception limits or excludes coverage; it does not tell the parties what must be completed to create insurable title. A post-policy event occurs after policy issuance and is not what the commitment is addressing. The ALTA commitment structure treats Schedule B, Part I as "Requirements," and includes properly authorized, executed, delivered, and recorded conveyance or mortgage documents as requirements. This matches the Pennsylvania exam outline's focus on commitments and title policy structure.

NEW QUESTION # 66
The process by which a mortgage is enforced against real estate is called a

A. non-judicial foreclosure.
B. forfeiture.
C. sheriff's sale.
D. trustee sale.

Answer: C

Explanation:
The best answer is sheriff's sale. Pennsylvania mortgage enforcement is generally a judicial foreclosure process, and the forced sale of the real property after judgment is conducted through a sheriff's sale. Non- judicial foreclosure and trustee sale terminology are more commonly associated with deed-of-trust states, where a trustee can sell property without the same judicial foreclosure structure. Forfeiture is not the standard mortgage enforcement process; it usually refers to loss of rights due to breach or legal penalty. In title practice, foreclosure and sheriff's sale records are critical because they affect ownership, lien priority, divestiture of interests, and insurability. The Pennsylvania title outline includes foreclosure, executions, claims against title, and judicial sales.

NEW QUESTION # 67
An ALTA survey of the land could disclose all of the following EXCEPT

A. a violation of the setback line.
B. the improvements on the land.
C. a pond located on the land.
D. a property line lawsuit.

Answer: D

Explanation:
An ALTA survey discloses physical and locational matters affecting the land, such as improvements, visible features, boundary relationships, encroachments, and possible setback-line issues. A pond located on the land can be shown because it is a physical feature. Improvements on the land can be located and plotted. A setback violation may be revealed if a structure is shown inside a required setback area. A property line lawsuit, however, is a legal proceeding or claim, not something a survey itself physically discloses. It may be found through litigation records, title search, or other legal investigation. The Pennsylvania title outline tests surveys, boundary matters, title exceptions, liens, claims against title, and clearing-title concerns.

NEW QUESTION # 68
The Real Estate Settlement Procedure Act (RESPA), Section 8 violation that refers to a person giving or accepting a fee or "thing of value" for the referral of business is known as a

A. required use.
B. bundled services.
C. kickback.
D. conversion.

Answer: C

Explanation:
The correct RESPA Section 8 term is kickback. RESPA prohibits giving or accepting any fee, kickback, or thing of value under an agreement or understanding that settlement-service business will be referred.
"Required use" is a separate RESPA concept involving conditioning access to a service or property on use of a particular settlement-service provider. Conversion is wrongful control over another's property or funds, not the RESPA referral-fee violation. Bundled services describes grouped services but is not the statutory violation described here. In title and settlement practice, referral payments are heavily regulated because they can distort consumer choice and settlement costs. The Pennsylvania title outline includes RESPA under settlement and closing procedures.

NEW QUESTION # 69
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