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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Real Estate Transactions & Settlement | 10% | - Policy issuance and delivery - Escrow and closing procedures - Disbursement and record-keeping |
| Topic 2: Real Property Law | 25% | - Property rights and interests - Liens, encumbrances, and easements - Conveyance and recording statutes |
| Topic 3: Insurance Regulation | 25% | - Unfair trade practices and ethics - Licensing requirements and procedures - Pennsylvania insurance statutes and regulations |
| Topic 4: Title Insurance Principles | 25% | - Exceptions and risk elimination - Title commitments and policy forms - Purpose and function of title insurance - Title search and examination procedures |
| Topic 5: General Insurance Concepts | 15% | - Contract law fundamentals - Risk and indemnity - Basic insurance principles |
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問題 #58
Which of the following types of deeds provides the purchaser of real estate the greatest protection?
答案：D
解題說明：
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.
問題 #59
A chain of title is best described as
答案：D
解題說明：
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.
問題 #60
Coverage under a loan policy remains effective
答案：D
問題 #61
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
答案：C
解題說明：
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.
問題 #62
A deed was properly completed and executed. Title to the property passed when the deed was
答案：C
解題說明：
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.
問題 #63
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