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

Section	Weight	Objectives
Real Property Law	25%	- Conveyance and recording statutes - Property rights and interests - Liens, encumbrances, and easements
Insurance Regulation	25%	- Licensing requirements and procedures - Pennsylvania insurance statutes and regulations - Unfair trade practices and ethics
Title Insurance Principles	25%	- Title commitments and policy forms - Title search and examination procedures - Purpose and function of title insurance - Exceptions and risk elimination
Real Estate Transactions & Settlement	10%	- Disbursement and record-keeping - Policy issuance and delivery - Escrow and closing procedures
General Insurance Concepts	15%	- Contract law fundamentals - Risk and indemnity - Basic insurance principles

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

NEW QUESTION # 24
What requirements define which closing costs are allowable as charges to the borrower?

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

Answer: B

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 # 25
A deed was properly completed and executed. Title to the property passed when the deed was

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

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 # 26
Which of the following can be licensed as a title insurance agent?

A. an officer of a title company
B. a legal entity
C. an employee of a title company
D. an approved attorney

Answer: B

Explanation:
A legal entity can be licensed or certified as a title insurance agent or agency. Pennsylvania title insurance law recognizes agencies that conduct title insurance business on behalf of a title insurer, and the statute defines an agency as an individual person, partnership, corporation, or other legal entity. An approved attorney, officer, or employee may perform certain functions depending on authority and licensing status, but those labels alone do not answer the licensing classification question as cleanly as "legal entity." This question is from Insurance Regulation because it tests persons or entities to be licensed, title producer requirements, agency obligations, and licensing structure. Pennsylvania law also ties title agency licensing to bond, fiduciary, account, recordkeeping, and insurer-contract duties.

NEW QUESTION # 27
When issuing an Owner's policy, encumbrances should be shown as

A. listed on Schedule A for informational purposes.
B. an exception in Schedule C.
C. a requirement in Schedule B-I.
D. listed on Schedule B as an exception.

Answer: D

Explanation:
Encumbrances that will remain against the property and are not insured over should be listed on Schedule B as exceptions. Schedule A identifies basic policy information such as the insured, estate or interest insured, policy amount, and legal description. Schedule B is where exceptions from coverage are listed, including easements, restrictions, liens, taxes, covenants, or other matters that the policy will not cover. Schedule B-I is commonly associated with commitment requirements that must be satisfied before issuing the policy, not final policy exceptions. Schedule C is not the correct schedule for owner's policy encumbrance exceptions in this testing context. The Pennsylvania title outline specifically lists Schedule A, Schedule B exceptions, exclusions, and title insurance policy structure.

NEW QUESTION # 28
A chain of title is best described as

A. a series of conveyances of public record.
B. a grantor/grantee index.
C. an historical record of liens on the property.
D. an opinion of title provided by an attorney.

Answer: A

Explanation:
A chain of title is the sequence of recorded conveyances showing how title passed from one owner to the next over time. It is not simply an attorney's opinion, although an attorney or title examiner may review the chain and give conclusions about marketability. It is not merely a history of liens, because liens are encumbrances, not conveyances of ownership. It is also not the grantor/grantee index itself; the index is a search tool used to locate recorded instruments. In title insurance, establishing the chain of title is critical because gaps, incorrect names, missing deeds, probate issues, or defective conveyances may create title defects. Pennsylvania's title outline expressly includes title searching techniques, chain sheets, hard-copy and computer indexes, and public-record conveyances.

NEW QUESTION # 29
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