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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q52-Q57):

NEW QUESTION # 52
The effective date on a title commitment is the date

A. the commitment is issued.
B. the order was completed.
C. the public records were verified to.
D. of the last recording on record.

Answer: C

Explanation:
The effective date of a title commitment is tied to the date through which the public records have been searched or verified. It is not simply the date the order was completed or the date the commitment was physically issued. It also is not necessarily the date of the last document recorded, because the title company's search may run through a particular certification or verification point. This date matters because the commitment reflects title conditions as of that searched-through date; later liens, deeds, judgments, or other matters may require an update before closing. The Pennsylvania exam outline tests commitments, title searching techniques, public records, recording systems, and title policy structure.

NEW QUESTION # 53
When issuing an Owner's policy, encumbrances should be shown as

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

Answer: B

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 # 54
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 # 55
Which property type includes all lands, man-made improvements, anything growing on the lands, as well as interests, or "rights," including future occupancy, reversion, and the use of surface and air space?

A. Intangible
B. Tangible
C. Personal
D. Real

Answer: D

Explanation:
Real property includes land, improvements attached to land, natural things growing on land, and legal rights connected with the land. Those rights can include possession, occupancy, access, air rights, surface rights, mineral rights, reversions, easements, and other interests. Personal property refers to movable property not permanently attached to land. Tangible property is physical property, but the question includes legal rights and interests, making "real" the better classification. Intangible property involves rights without physical form, such as contract rights or intellectual property, and does not capture the full land-and-improvements concept. This is a Real Property topic because the Pennsylvania title outline specifically tests the definition and types of real property, interests in land, legal descriptions, and insurable estates.

NEW QUESTION # 56
Which of the following parties can file a claim under the provisions of a title policy?

A. The holder of an undisclosed interest in the insured property.
B. The holder of a judgment against the insured.
C. The taxing authority with jurisdiction over the insured property.
D. The insured named under the policy.

Answer: D

Explanation:
The insured named under the title policy is the party entitled to make a claim under the policy, subject to the policy's definitions, conditions, exclusions, and exceptions. A judgment creditor, undisclosed interest holder, or taxing authority may assert a claim against the property, but that does not make them an insured claimant under the title policy. Title insurance is a contract of indemnity between the insurer and the insured; third parties generally do not file policy claims unless they qualify as insureds under the policy terms. ALTA policy language requires notice of claim by the insured claimant and ties claim rights to the insured's covered loss.
Pennsylvania's title outline tests owner's policies, loan policies, policy conditions, and title insurance policy structure.

NEW QUESTION # 57
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