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| Section | Weight | Objectives |
|---|---|---|
| General Insurance Concepts | 15% | - Risk and indemnity - Basic insurance principles - Contract law fundamentals |
| Real Property Law | 25% | - Liens, encumbrances, and easements - Property rights and interests - Conveyance and recording statutes |
| Real Estate Transactions & Settlement | 10% | - Disbursement and record-keeping - Escrow and closing procedures - Policy issuance and delivery |
| Title Insurance Principles | 25% | - Title search and examination procedures - Exceptions and risk elimination - Title commitments and policy forms - Purpose and function of title insurance |
| Insurance Regulation | 25% | - Pennsylvania insurance statutes and regulations - Unfair trade practices and ethics - Licensing requirements and procedures |
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NEW QUESTION # 46
An ALTA survey of the land could disclose all of the following EXCEPT
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 # 47
A notarized deed ensures that the
Answer: C
Explanation:
A notarized deed ensures that the deed is eligible for recording because the notarial acknowledgment verifies the execution formalities needed by the recorder's office. Notarization alone does not make title clear, does not guarantee marketable title, and does not by itself transfer ownership unless the deed has also been properly delivered and accepted. A deed may be legally effective between parties in some circumstances, but the examination issue tested here is recordability. Pennsylvania recording practice requires proper execution and acknowledgment for deeds and other instruments affecting real property. The Pennsylvania title outline specifically lists document preparation, deeds, acknowledgment forms, recording, requirements to record, and acknowledgments under Real Estate Transactions.
NEW QUESTION # 48
Coverage under a loan policy remains effective
Answer: D
NEW QUESTION # 49
A leasehold interest in real property ownership is
Answer: D
Explanation:
A leasehold interest is an insurable interest in title insurance. Title insurance can insure different estates or interests in land, including fee simple estates, leasehold estates, life estates, and easements. A leasehold policy protects the insured leasehold interest rather than full ownership of the fee estate. It is not a lien interest, because a leasehold gives the tenant a possessory estate or contractual property interest, not a security interest for debt. It is also not "usury," which concerns unlawful interest on loans. The Pennsylvania Title Insurance examination outline directly lists leasehold estate and leasehold policy under Title Insurance, confirming that leasehold interests can be insured.
NEW QUESTION # 50
According to the Fair Credit Reporting Act, an insurer needs to do all of the following, EXCEPT
Answer: C
Explanation:
The Fair Credit Reporting Act requires notice and disclosure duties when consumer reports or investigative consumer reports are used. An insurer must properly notify the applicant when an investigative report may be obtained and must provide required adverse-action notice if insurance is denied or affected based on report information. The applicant also has rights relating to the nature and scope of an investigative consumer report.
However, the FCRA does not require the insurer to personally discuss every credit-history inconsistency with the applicant. The consumer's dispute rights are generally exercised with the consumer reporting agency, not through an insurer's mandatory discussion process. The Pennsylvania Title Insurance outline expressly includes the Fair Credit Reporting Act under federal regulation in the Insurance Regulation section.
NEW QUESTION # 51
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