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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q14-Q19):

NEW QUESTION # 14
Which of the following items is least likely to be recorded?

A. bill of sale
B. mechanic's lien
C. mortgage lien
D. satisfaction of mortgage

Answer: A

Explanation:
A bill of sale is least likely to be recorded in the real property records because it usually transfers personal property, not an estate or lien in real property. By contrast, a mortgage lien is recorded to give public notice of the lender's security interest. A mechanic's lien is recorded or filed to preserve a statutory claim for labor or materials. A satisfaction of mortgage is recorded to show that a mortgage lien has been paid and released.
Recording is essential in title practice because title examiners rely on public records to identify conveyances, liens, releases, and encumbrances affecting land. The Pennsylvania title outline includes mortgages, releases, recording steps, recording systems, mechanic's liens, and title exceptions.

NEW QUESTION # 15
Title is vested in Bill and Monica. The deed says nothing as to how they are to hold title or as to their marital status. They are NOT married to each other. The presumption is that

A. they are tenants in common.
B. they are tenants by the entirety.
C. the conveyance is void.
D. they are joint tenants with rights of survivorship.

Answer: A

Explanation:
When title is conveyed to two unmarried people and the deed does not specify another form of ownership, the presumption is tenancy in common. Tenancy by the entirety is available only to married spouses, so it cannot apply to Bill and Monica. Joint tenancy with right of survivorship generally requires clear survivorship language and is not presumed from silence. The conveyance is not void merely because the deed fails to state the tenancy form. In Pennsylvania, a conveyance to two or more persons is presumed to create a tenancy in common unless the deed clearly provides otherwise. This matches the exam outline's real-property focus on joint ownership, tenants in common, joint tenancy, and tenancy by the entirety.

NEW QUESTION # 16
Obtaining and recording releases of mortgages and reconveyances of trust deeds satisfied at closing is considered part of what process?

A. marketing
B. pre-closing
C. disbursement
D. post-closing

Answer: D

Explanation:
Recording releases after mortgages or trust deeds have been paid at closing is a post-closing function. The closing itself involves execution, settlement, funding, and collection of payoff amounts. After that, the title or settlement agent must ensure that satisfied liens are properly released or reconveyed in the public records so the chain of title no longer shows an open encumbrance. This is not marketing, because it has nothing to do with obtaining business. It is not pre-closing, because the lien has already been satisfied at settlement. It is not mere disbursement, because the question asks about obtaining and recording releases. The Pennsylvania title outline places recording, disbursement procedures, releases, and clearing title within the Real Estate Transactions and Title Exceptions sections.

NEW QUESTION # 17
What must accompany the satisfaction piece when presented for recording?

A. The original mortgage instrument
B. The final receipt
C. The payment record
D. The certificate of title

Answer: A

Explanation:
For this practice-question wording, the exam-matched answer is the original mortgage instrument because a satisfaction piece is the document used to clear a paid mortgage lien from the record. The satisfaction piece operates as the release of the mortgage, so the mortgage recording information must be tied accurately to the lien being discharged. The other choices are not the traditional recording companion documents: a payment record, certificate of title, or final receipt does not itself connect the satisfaction to the recorded mortgage instrument. Important correction: current Pennsylvania Mortgage Satisfaction Act language says a satisfaction piece generally need not be accompanied by the original mortgage, though a recorder may require validation information such as the original mortgage, first-page image, or validation fee.

NEW QUESTION # 18
All of the following are subject to false advertising regulations EXCEPT

A. statements.
B. letters.
C. gifts.
D. circulars.

Answer: C

Explanation:
False advertising rules apply to insurance communications such as letters, statements, circulars, advertisements, announcements, illustrations, and other representations that may mislead the public about insurance benefits, terms, conditions, dividends, financial condition, or policy nature. Gifts are not themselves advertising communications. A gift may raise a separate rebating or inducement issue if offered improperly to obtain insurance business, but it is not the type of written or published communication targeted by false advertising regulation. Therefore, gifts are the exception. Pennsylvania's Unfair Insurance Practices Act specifically refers to making, publishing, issuing, or circulating estimates, illustrations, circulars, statements, sales presentations, and misleading advertisements. The Pennsylvania title outline also includes false advertising under Insurance Regulation.

NEW QUESTION # 19
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