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

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

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

NEW QUESTION # 14
Which document is recorded in the recorder of deeds?

A. notice of lis pendens
B. civil judgment
C. realty transfer tax statement of value
D. mechanic's lien

Answer: C

Explanation:
The realty transfer tax statement of value is filed or recorded with the recorder of deeds as part of the real estate transfer recording process when required. Civil judgments and many lien-related court filings are handled through the prothonotary or court records, not the recorder of deeds. A mechanic's lien is generally a statutory lien filed through court procedures, not simply recorded like a deed. A notice of lis pendens is tied to pending litigation and court notice. Pennsylvania's Department of Revenue explains that realty transfer tax is collected by county Recorders of Deeds, and Philadelphia recording guidance states that deeds must be accompanied by applicable transfer tax materials, including the PA Realty Transfer Tax Statement of Value.

NEW QUESTION # 15
A real estate interest that passes at death by operation of law to the surviving title holder is known as

A. fee simple estate.
B. joint tenancy.
C. real estate contract interest.
D. tenancy in common.

Answer: B

Explanation:
Joint tenancy, when created with the right of survivorship, allows the deceased joint tenant's interest to pass automatically to the surviving title holder by operation of law. That survivorship feature is what the question is testing. Tenancy in common does not include automatic survivorship; a deceased tenant in common's share passes through the estate or by will or intestacy. A real estate contract interest is contractual, not a survivorship estate. Fee simple describes the broadest ownership estate, but it does not itself identify how title passes at death. For title purposes, survivorship ownership must be confirmed because it affects whether probate is required and how marketable title is shown after death. Pennsylvania's title outline includes joint tenancy, tenancy in common, tenancy by the entirety, and decedents' estates.

NEW QUESTION # 16
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. bundled services.
B. conversion.
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 # 17
Which of the following types of deeds provides the purchaser of real estate the greatest protection?

A. trustee's deed
B. general warranty deed
C. deed in trust
D. quitclaim deed

Answer: B

Explanation:
A general warranty deed gives the purchaser the strongest deed protection because the grantor warrants title against defects, including claims arising before the grantor owned the property. That is broader than a quitclaim deed, which conveys only whatever interest the grantor may have and gives no warranty of title. A trustee's deed is usually limited by the trustee's authority and does not normally provide broad personal warranties. A deed in trust concerns the manner of holding or transferring title into trust, not the greatest warranty protection to a buyer. This question falls under Real Property because the Pennsylvania title outline tests conveyances, deeds, title to real property, marketable title, and acquisition and transfer of real property.

NEW QUESTION # 18
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. Mortgagee
B. Seller
C. Mortgagor
D. Title agent

Answer: C

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 # 19
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