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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q11-Q16):

NEW QUESTION # 11
Which of the following is considered an involuntary lien?

A. deed restriction
B. federal tax lien
C. HELOC loan
D. a life estate reservation

Answer: B

Explanation:
A federal tax lien is an involuntary lien because it arises by operation of law when federal tax obligations are unpaid; it is not created voluntarily by the property owner as loan collateral. A HELOC loan is voluntary because the borrower intentionally grants a mortgage or security interest to secure the credit line. A deed restriction is a covenant or limitation affecting use of the property, not a lien for payment. A life estate reservation creates or reserves an estate in land, not a creditor's lien. The Pennsylvania Title Insurance exam outline expressly includes voluntary and involuntary liens, federal liens, judgments, taxes, and assessments under Title Exceptions and Procedures for Clearing Title.

NEW QUESTION # 12
The effective date on a title commitment is the date

A. the commitment is issued.
B. of the last recording on record.
C. the order was completed.
D. the public records were verified to.

Answer: D

Explanation:
The effective date of a title commitment is tied to the date through which the public records have been searched or verified. It is not simply the date the order was completed or the date the commitment was physically issued. It also is not necessarily the date of the last document recorded, because the title company's search may run through a particular certification or verification point. This date matters because the commitment reflects title conditions as of that searched-through date; later liens, deeds, judgments, or other matters may require an update before closing. The Pennsylvania exam outline tests commitments, title searching techniques, public records, recording systems, and title policy structure.

NEW QUESTION # 13
Which of the following is considered a voluntary lien?

A. Construction lien.
B. State tax lien.
C. Mortgage lien.
D. Real estate tax lien.

Answer: C

Explanation:
A mortgage lien is voluntary because the property owner intentionally grants the mortgage as security for a debt. Real estate tax liens, state tax liens, and construction or mechanic's liens arise by operation of law when taxes, assessments, labor, or materials remain unpaid. Those are involuntary liens because they do not depend on the owner voluntarily pledging the property as collateral. This difference is critical in title work because voluntary liens are usually created by recorded security instruments, while involuntary liens may arise from statutes, judgments, taxes, or construction claims. The Pennsylvania title outline expressly tests voluntary and involuntary liens, mechanic's liens, taxes and assessments, federal liens, judgments, releases, subordinations, and procedures for clearing title.

NEW QUESTION # 14
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 tenants in common
B. as tenants by the entireties
C. as tenants at sufferance
D. as joint tenants

Answer: A

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 # 15
The sale of a property was subject to the buyer's being able to assume an existing loan on the property. Upon examination, the note was found to contain a clause that prohibited the assumption of the loan. The clause was

A. a due-on-sale clause.
B. an assumption clause.
C. a prepayment clause.
D. a subordination clause.

Answer: A

Explanation:
A due-on-sale clause allows the lender to call the loan due when the property is sold or transferred, preventing the buyer from simply assuming the seller's existing loan without lender approval. That directly matches the question's wording: the buyer wanted to assume the existing loan, but the note contained a clause prohibiting that assumption. An assumption clause would allow or describe assumption, not prohibit it. A prepayment clause concerns paying the loan before maturity. A subordination clause changes lien priority between interests; it has nothing to do with whether a buyer may assume the loan. This belongs under Real Estate Transactions because the Pennsylvania title exam tests notes, mortgages, loan closings, recording, and settlement procedures.

NEW QUESTION # 16
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