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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q16-Q21):

NEW QUESTION # 16
What requirements define which closing costs are allowable as charges to the borrower?

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

Answer: D

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 # 17
Coverage under a loan policy remains effective

A. during the life of the owner.
B. until the lender assigns the mortgage.
C. until the property is sold.
D. until the secured debt is satisfied.

Answer: D

NEW QUESTION # 18
A notarized deed ensures that the

A. title is transferred.
B. title is clear.
C. deed is legally binding.
D. deed can be recorded.

Answer: D

Explanation:
A notarized deed ensures that the deed is eligible for recording because the notarial acknowledgment verifies the execution formalities needed by the recorder's office. Notarization alone does not make title clear, does not guarantee marketable title, and does not by itself transfer ownership unless the deed has also been properly delivered and accepted. A deed may be legally effective between parties in some circumstances, but the examination issue tested here is recordability. Pennsylvania recording practice requires proper execution and acknowledgment for deeds and other instruments affecting real property. The Pennsylvania title outline specifically lists document preparation, deeds, acknowledgment forms, recording, requirements to record, and acknowledgments under Real Estate Transactions.

NEW QUESTION # 19
Who of the following CANNOT be covered by a Closing Protection Letter?

A. Purchaser/buyer.
B. Escrow agent.
C. Lender.
D. Seller.

Answer: B

Explanation:
A closing protection letter protects a covered party against certain losses caused by the title insurer's issuing agent or approved attorney in connection with the closing. The escrow or closing agent is the party whose misconduct or failure to follow written closing instructions may trigger the CPL protection; that agent is not the protected party under the letter. The Pennsylvania TIRBOP/ALTA CPL form identifies the protection as indemnity for the addressee's actual loss of funds and ties eligibility to the lender or purchaser/lessee role in the transaction. Therefore, the escrow agent cannot be covered by the CPL. This fits the exam outline's Real Estate Transactions topic, specifically insured closing protection.

NEW QUESTION # 20
A waiver is defined as the

A. misrepresentation of a known right.
B. modification of a known right.
C. intentional and voluntary giving up of a known right.
D. acceptance of terms of the policy.

Answer: C

Explanation:
A waiver is the intentional and voluntary relinquishment of a known right. In insurance, waiver can occur when a party with the right to enforce a condition or requirement knowingly gives up that right through words, conduct, or inaction. It is not merely acceptance of policy terms, because acceptance relates to contract formation. It is not misrepresentation, which involves false or misleading statements. It is also not simply modification of a right, because waiver means giving the right up, not changing it. This is a core insurance- contract doctrine and appears in the Pennsylvania Title Insurance exam outline under General Insurance Concepts, specifically legal interpretations affecting contracts, waiver, and estoppel.

NEW QUESTION # 21
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