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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q56-Q61):

NEW QUESTION # 56
Which of the following statements is true concerning an unrecorded deed?

A. it is not valid between the grantor and the grantee
B. it need not name the grantee
C. it does not give constructive notice of ownership
D. it need not contain a legal description

Answer: C

Explanation:
An unrecorded deed may be valid between the grantor and grantee if properly executed, delivered, and accepted, but it does not give constructive notice to third parties through the land records. Constructive notice arises from proper recording, allowing later purchasers, lenders, judgment creditors, and title examiners to discover the ownership claim. A deed must still name the parties and contain an adequate legal description to identify the property. The false assumption is that recording is required for validity between the original parties; recording is mainly about public notice and priority protection. Pennsylvania recording law protects later bona fide purchasers, mortgagees, and judgment holders against unrecorded instruments lacking actual or constructive notice.

NEW QUESTION # 57
Under the terms of a title insurance policy, when a disputed claim is decided by a neutral third party, the process is called

A. indemnification.
B. subrogation.
C. litigation.
D. arbitration.

Answer: D

Explanation:
When a disputed claim is decided by a neutral third party outside the ordinary court process, the process is arbitration. Litigation means resolving the dispute in court. Subrogation is the insurer's right, after paying a covered loss, to step into the insured's position and pursue responsible parties or recover priority rights.
Indemnification is the insurer's promise to compensate the insured for covered loss, not the dispute-resolution method. Title policies contain conditions that govern notice of claim, defense, settlement, payment, subrogation, and dispute resolution. Therefore, the neutral third-party decision process is arbitration. The Pennsylvania title outline tests title policy conditions and stipulations, insuring provisions, covered risks, and claim-related policy structure.

NEW QUESTION # 58
A deed was properly completed and executed. Title to the property passed when the deed was

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

Answer: C

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 # 59
What requirements define which closing costs are allowable as charges to the borrower?

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

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 # 60
When a mortgagee's title insurance policy is issued and no owner's policy will be issued, a written waiver must be signed by the:

A. Title agent
B. Mortgagor
C. Mortgagee
D. Seller

Answer: B

Explanation:
The written waiver must be signed by the mortgagor, meaning the owner-borrower/purchaser who is waiving the right to purchase owner's title insurance. Pennsylvania regulation requires the title insurer or title agent, when issuing a mortgagee's title policy in a purchase-money transaction and no owner's policy has been ordered, to advise the mortgagor in writing that the lender's policy does not protect the owner. If the mortgagor elects not to purchase owner's coverage, the company must obtain the mortgagor's written statement acknowledging receipt of the notice and waiving the right to buy owner's title insurance. The mortgagee receives the loan policy; the waiver protects the owner-purchaser disclosure process.

NEW QUESTION # 61
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