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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q24-Q29):

NEW QUESTION # 24
Which one of the following estates may NOT be insured under a title insurance policy?

A. Easement.
B. Life estate.
C. Leasehold.
D. License.

Answer: D

Explanation:
A license is not an estate in land and is generally not insured as a title estate. It is a personal permission to use property and is usually revocable, unlike an easement or leasehold interest. Easements, life estates, and leasehold estates can be insured because they are recognized real property interests. Title insurance insures ownership or other recognized interests in real property against covered title defects, liens, encumbrances, or unmarketability. A license lacks the estate quality necessary for ordinary title insurance coverage. The Pennsylvania title examination outline specifically lists fee simple estate, leasehold estate, life estate, and easements as interests that can be insured, but it does not list a license as an insurable estate.

NEW QUESTION # 25
Which section of a title insurance policy lists the rights of the insurer?

A. conditions
B. declarations
C. insuring agreement
D. exclusions from coverage

Answer: A

Explanation:
The insurer's rights are found in the Conditions section of the title insurance policy. The Conditions section explains claim handling, notice requirements, proof of loss, defense, settlement, payment of claims, subrogation, limitation of liability, and other rights and obligations between the insured and the title insurer.
Exclusions from coverage identify matters outside the policy's protection. The insuring agreement states the basic promise of coverage. "Declarations" is not the standard title-policy section used for the insurer's claim rights. The Pennsylvania Title Insurance outline specifically lists policy structure and provisions, including insuring provisions, Schedule A, Schedule B exceptions, exclusions, and conditions and stipulations.

NEW QUESTION # 26
What requirements define which closing costs are allowable as charges to the borrower?

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

Answer: A

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 # 27
When insuring a mortgage where there are intervening liens that prevent the lender from holding first lien priority, such other liens may be

A. subrogated to the lien of the insured mortgage.
B. restricted to the lien of the subject mortgage.
C. waived to the lien of the subject mortgage.
D. subordinated to the lien of the subject mortgage.

Answer: D

Explanation:
Intervening liens that would prevent the lender from having first lien priority can be addressed by subordination. A subordination agreement makes an otherwise prior or intervening lienholder agree that its lien will rank behind the insured mortgage. That clears the priority problem for loan-policy underwriting.
"Waived to the lien" and "restricted to the lien" are not the correct title-clearing terms. Subrogation is different: it allows one party to step into another party's priority position after paying a debt or claim; it is not the normal document used when an existing lienholder agrees to become junior. The Pennsylvania title outline expressly includes voluntary and involuntary liens, releases, assignments, subordinations, and title-clearing procedures.

NEW QUESTION # 28
On what schedule of a title commitment would you find an easement that is proposed to be an exception from policy coverage?

A. B-II
B. C
C. B-I
D. A

Answer: A

Explanation:
An easement that will not be insured over is listed as an exception to coverage. In the ALTA title commitment structure, Schedule B, Part I contains requirements that must be satisfied before the policy is issued, while Schedule B, Part II contains exceptions from coverage. Schedule A identifies the proposed insured, land, estate or interest, policy amount, and related basic policy information. It does not list exceptions. Schedule B-I is wrong because it is for requirements such as recording documents or paying charges. Schedule C is not the standard commitment section for exceptions in this context. The Pennsylvania outline specifically tests title insurance forms, commitments, Schedule A, Schedule B exceptions, exclusions, and endorsements.

NEW QUESTION # 29
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