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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q31-Q36):

NEW QUESTION # 31
What must accompany the satisfaction piece when presented for recording?

A. The certificate of title
B. The original mortgage instrument
C. The final receipt
D. The payment record

Answer: B

Explanation:
For this practice-question wording, the exam-matched answer is the original mortgage instrument because a satisfaction piece is the document used to clear a paid mortgage lien from the record. The satisfaction piece operates as the release of the mortgage, so the mortgage recording information must be tied accurately to the lien being discharged. The other choices are not the traditional recording companion documents: a payment record, certificate of title, or final receipt does not itself connect the satisfaction to the recorded mortgage instrument. Important correction: current Pennsylvania Mortgage Satisfaction Act language says a satisfaction piece generally need not be accompanied by the original mortgage, though a recorder may require validation information such as the original mortgage, first-page image, or validation fee.

NEW QUESTION # 32
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. Tangible
B. Intangible
C. Real
D. Personal

Answer: C

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 # 33
A statement included on a title commitment such as "record warranty deed from the owner shown in Schedule A vesting title in the proposed insured" is an example of a

A. standard exception.
B. condition.
C. post policy event.
D. requirement.

Answer: D

Explanation:
The quoted statement is a requirement because it describes something that must be done before the title insurer will issue the final policy. Recording a warranty deed from the vested owner into the proposed insured is a closing and recording requirement, not an exception. A standard exception limits or excludes coverage; it does not tell the parties what must be completed to create insurable title. A post-policy event occurs after policy issuance and is not what the commitment is addressing. The ALTA commitment structure treats Schedule B, Part I as "Requirements," and includes properly authorized, executed, delivered, and recorded conveyance or mortgage documents as requirements. This matches the Pennsylvania exam outline's focus on commitments and title policy structure.

NEW QUESTION # 34
The sale of a property was subject to the buyer's being able to assume an existing loan on the property. Upon examination, the note was found to contain a clause that prohibited the assumption of the loan. The clause was

A. a subordination clause.
B. an assumption clause.
C. a due-on-sale clause.
D. a prepayment clause.

Answer: C

Explanation:
A due-on-sale clause allows the lender to call the loan due when the property is sold or transferred, preventing the buyer from simply assuming the seller's existing loan without lender approval. That directly matches the question's wording: the buyer wanted to assume the existing loan, but the note contained a clause prohibiting that assumption. An assumption clause would allow or describe assumption, not prohibit it. A prepayment clause concerns paying the loan before maturity. A subordination clause changes lien priority between interests; it has nothing to do with whether a buyer may assume the loan. This belongs under Real Estate Transactions because the Pennsylvania title exam tests notes, mortgages, loan closings, recording, and settlement procedures.

NEW QUESTION # 35
Which of the following items is least likely to be recorded?

A. bill of sale
B. mechanic's lien
C. satisfaction of mortgage
D. mortgage lien

Answer: A

Explanation:
A bill of sale is least likely to be recorded in the real property records because it usually transfers personal property, not an estate or lien in real property. By contrast, a mortgage lien is recorded to give public notice of the lender's security interest. A mechanic's lien is recorded or filed to preserve a statutory claim for labor or materials. A satisfaction of mortgage is recorded to show that a mortgage lien has been paid and released.
Recording is essential in title practice because title examiners rely on public records to identify conveyances, liens, releases, and encumbrances affecting land. The Pennsylvania title outline includes mortgages, releases, recording steps, recording systems, mechanic's liens, and title exceptions.

NEW QUESTION # 36
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