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

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

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PA-Title-Insurance-Agent合格受験記 & PA-Title-Insurance-Agent勉強方法

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 認定 PA-Title-Insurance-Agent 試験問題 (Q40-Q45):

質問 # 40
On what schedule of a title commitment would you find an easement that is proposed to be an exception from policy coverage?

A. B-I
B. B-II
C. A
D. C

正解：B

解説：
An easement that will not be insured over is listed as an exception to coverage. In the ALTA title commitment structure, Schedule B, Part I contains requirements that must be satisfied before the policy is issued, while Schedule B, Part II contains exceptions from coverage. Schedule A identifies the proposed insured, land, estate or interest, policy amount, and related basic policy information. It does not list exceptions. Schedule B-I is wrong because it is for requirements such as recording documents or paying charges. Schedule C is not the standard commitment section for exceptions in this context. The Pennsylvania outline specifically tests title insurance forms, commitments, Schedule A, Schedule B exceptions, exclusions, and endorsements.

質問 # 41
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. Title agent
C. Seller
D. Mortgagor

正解：D

解説：
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.

質問 # 42
A notarized deed ensures that the

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

正解：A

解説：
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.

質問 # 43
Obtaining and recording releases of mortgages and reconveyances of trust deeds satisfied at closing is considered part of what process?

A. marketing
B. pre-closing
C. post-closing
D. disbursement

正解：C

解説：
Recording releases after mortgages or trust deeds have been paid at closing is a post-closing function. The closing itself involves execution, settlement, funding, and collection of payoff amounts. After that, the title or settlement agent must ensure that satisfied liens are properly released or reconveyed in the public records so the chain of title no longer shows an open encumbrance. This is not marketing, because it has nothing to do with obtaining business. It is not pre-closing, because the lien has already been satisfied at settlement. It is not mere disbursement, because the question asks about obtaining and recording releases. The Pennsylvania title outline places recording, disbursement procedures, releases, and clearing title within the Real Estate Transactions and Title Exceptions sections.

質問 # 44
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

A. the conveyance is void.
B. they are tenants in common.
C. they are joint tenants with rights of survivorship.
D. they are tenants by the entirety.

正解：B

解説：
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.

質問 # 45
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