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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q54-Q59):

NEW QUESTION # 54
An acknowledgment

A. is a signature on a deed.
B. provides evidence that a signature is genuine.
C. is an authorization to convey property.
D. states that a deed contains verified information.

Answer: B

Explanation:
An acknowledgment is a notarial act in which the signer personally appears before the notary and acknowledges that the signature on the record is his or her own. It does not verify that the contents of the deed are true. It is not itself the authorization to convey property; the deed and the grantor's legal capacity accomplish that. It is also not simply a signature on a deed. The acknowledgment provides evidence of proper execution and supports recordability of the instrument. This matters in title insurance because a defective acknowledgment can create a recording or title problem. Pennsylvania's Department of State explains that a person may sign in the notary's presence or acknowledge that the signature on the document is his or her own.

NEW QUESTION # 55
Which of the following is considered a voluntary lien?

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

Answer: B

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 # 56
A deed was properly completed and executed. Title to the property passed when the deed was

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

Answer: D

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 # 57
An insurer fails to promptly provide a reasonable explanation for the denial of a claim as a general business practice. This is considered to be

A. a contractual liability.
B. a fraudulent insurance act.
C. a violation of the grace period provision.
D. an unfair insurance practice.

Answer: D

Explanation:
Failing to promptly provide a reasonable explanation for the denial of a claim, when done with enough frequency to indicate a business practice, is an unfair claim settlement practice and therefore an unfair insurance practice. It is not merely contractual liability, because the question describes a regulatory claims- handling violation. It is unrelated to a grace period, which concerns time to pay premiums. It is also not necessarily a fraudulent insurance act because fraud requires deception or false representation. Pennsylvania's Unfair Insurance Practices Act specifically identifies as an unfair claim settlement practice the failure to promptly provide a reasonable explanation of the policy basis, facts, or law for denying a claim or offering a compromise settlement.

NEW QUESTION # 58
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. conversion.
B. bundled services.
C. kickback.
D. required use.

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 # 59
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