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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q10-Q15):

NEW QUESTION # 10
Who of the following CANNOT be covered by a Closing Protection Letter?

A. Seller.
B. Purchaser/buyer.
C. Escrow agent.
D. Lender.

Answer: C

Explanation:
A closing protection letter protects a covered party against certain losses caused by the title insurer's issuing agent or approved attorney in connection with the closing. The escrow or closing agent is the party whose misconduct or failure to follow written closing instructions may trigger the CPL protection; that agent is not the protected party under the letter. The Pennsylvania TIRBOP/ALTA CPL form identifies the protection as indemnity for the addressee's actual loss of funds and ties eligibility to the lender or purchaser/lessee role in the transaction. Therefore, the escrow agent cannot be covered by the CPL. This fits the exam outline's Real Estate Transactions topic, specifically insured closing protection.

NEW QUESTION # 11
A deed was properly completed and executed. Title to the property passed when the deed was

A. signed.
B. accepted by the grantee.
C. recorded.
D. acknowledged.

Answer: B

Explanation:
Title passes by delivery and acceptance of the deed, not merely by signing, acknowledgment, or recording.
Signing shows execution by the grantor, but a deed does not operate as a conveyance unless delivered with intent to transfer and accepted by the grantee. Acknowledgment supports recordability, but it does not by itself complete transfer of title. Recording gives public notice and protects priority against later purchasers or creditors, but recording is not the act that transfers title between grantor and grantee. This distinction is fundamental in title examination because an examiner must confirm execution, delivery, acceptance, and record notice. The Pennsylvania title outline covers conveyances, deeds, acquisition and transfer of real property, acknowledgments, recording, and presumptions.

NEW QUESTION # 12
Which property type includes all lands, man-made improvements, anything growing on the lands, as well as interests, or "rights," including future occupancy, reversion, and the use of surface and air space?

A. Intangible
B. Personal
C. Tangible
D. Real

Answer: D

Explanation:
Real property includes land, improvements attached to land, natural things growing on land, and legal rights connected with the land. Those rights can include possession, occupancy, access, air rights, surface rights, mineral rights, reversions, easements, and other interests. Personal property refers to movable property not permanently attached to land. Tangible property is physical property, but the question includes legal rights and interests, making "real" the better classification. Intangible property involves rights without physical form, such as contract rights or intellectual property, and does not capture the full land-and-improvements concept. This is a Real Property topic because the Pennsylvania title outline specifically tests the definition and types of real property, interests in land, legal descriptions, and insurable estates.

NEW QUESTION # 13
What must accompany the satisfaction piece when presented for recording?

A. The certificate of title
B. The original mortgage instrument
C. The payment record
D. The final receipt

Answer: B

Explanation:
For this practice-question wording, the exam-matched answer is the original mortgage instrument because a satisfaction piece is the document used to clear a paid mortgage lien from the record. The satisfaction piece operates as the release of the mortgage, so the mortgage recording information must be tied accurately to the lien being discharged. The other choices are not the traditional recording companion documents: a payment record, certificate of title, or final receipt does not itself connect the satisfaction to the recorded mortgage instrument. Important correction: current Pennsylvania Mortgage Satisfaction Act language says a satisfaction piece generally need not be accompanied by the original mortgage, though a recorder may require validation information such as the original mortgage, first-page image, or validation fee.

NEW QUESTION # 14
Which document is recorded in the recorder of deeds?

A. realty transfer tax statement of value
B. notice of lis pendens
C. mechanic's lien
D. civil judgment

Answer: A

Explanation:
The realty transfer tax statement of value is filed or recorded with the recorder of deeds as part of the real estate transfer recording process when required. Civil judgments and many lien-related court filings are handled through the prothonotary or court records, not the recorder of deeds. A mechanic's lien is generally a statutory lien filed through court procedures, not simply recorded like a deed. A notice of lis pendens is tied to pending litigation and court notice. Pennsylvania's Department of Revenue explains that realty transfer tax is collected by county Recorders of Deeds, and Philadelphia recording guidance states that deeds must be accompanied by applicable transfer tax materials, including the PA Realty Transfer Tax Statement of Value.

NEW QUESTION # 15
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