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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Real Property Law | 25% | - Conveyance and recording statutes - Property rights and interests - Liens, encumbrances, and easements |
| Topic 2: Real Estate Transactions & Settlement | 10% | - Policy issuance and delivery - Disbursement and record-keeping - Escrow and closing procedures |
| Topic 3: Title Insurance Principles | 25% | - Purpose and function of title insurance - Exceptions and risk elimination - Title commitments and policy forms - Title search and examination procedures |
| Topic 4: General Insurance Concepts | 15% | - Basic insurance principles - Contract law fundamentals - Risk and indemnity |
| Topic 5: Insurance Regulation | 25% | - Unfair trade practices and ethics - Pennsylvania insurance statutes and regulations - Licensing requirements and procedures |
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NEW QUESTION # 57
Which of the following is NOT among the requirements for recording a document affecting title to property in Pennsylvania?
Answer: A
Explanation:
Sending the executed title insurance policy to the state insurance department is not a requirement for recording a document affecting title. Recording requirements concern the instrument being recorded, such as proper execution, acknowledgment, legible notary information, grantee or mortgagee address certifications, applicable transfer tax documents, and formatting requirements imposed by the recorder. The title insurance policy is an insurance contract issued to the insured; it is not part of the deed or mortgage recording package that must be sent to the Insurance Department for recording to occur. Pennsylvania recording practice requires recordable documents to meet execution and address requirements, and deeds are commonly accompanied by applicable transfer tax documents. The Pennsylvania title outline lists requirements to record and recording steps under Real Estate Transactions.
NEW QUESTION # 58
An insurer charges a higher premium for insurance because of someone's race, marital status, or age. This is an example of
Answer: B
Explanation:
Charging a higher premium because of race, marital status, or age is unfair discrimination. Rebating means giving something of value or returning part of the premium as an inducement not stated in the policy. Illegal inducement is similar to rebating but focuses on improper incentives to purchase insurance. Coercion involves forcing or pressuring someone into an insurance transaction. Here, the improper conduct is rating or underwriting discrimination based on protected or impermissible classifications rather than risk-based underwriting. Pennsylvania's Unfair Insurance Practices Act identifies unfair discrimination in rates, benefits, terms, conditions, underwriting standards, and eligibility rules, including discrimination by reason of race, age, sex, place of residence, or marital status.
NEW QUESTION # 59
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:
Answer: B
Explanation:
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.
NEW QUESTION # 60
What requirements define which closing costs are allowable as charges to the borrower?
Answer: A
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 # 61
Obtaining and recording releases of mortgages and reconveyances of trust deeds satisfied at closing is considered part of what process?
Answer: B
Explanation:
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.
NEW QUESTION # 62
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