Latest PA-Title-Insurance-Agent Real Test, PA-Title-Insurance-Agent Practice Exam Questions

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

SectionWeightObjectives
Real Property Law25%- Liens, encumbrances, and easements
- Property rights and interests
- Conveyance and recording statutes
Real Estate Transactions & Settlement10%- Policy issuance and delivery
- Escrow and closing procedures
- Disbursement and record-keeping
Title Insurance Principles25%- Exceptions and risk elimination
- Purpose and function of title insurance
- Title commitments and policy forms
- Title search and examination procedures
General Insurance Concepts15%- Risk and indemnity
- Basic insurance principles
- Contract law fundamentals
Insurance Regulation25%- Licensing requirements and procedures
- Pennsylvania insurance statutes and regulations
- Unfair trade practices and ethics

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q14-Q19):

NEW QUESTION # 14
An insurer fails to promptly provide a reasonable explanation for the denial of a claim as a general business practice. This is considered to be

Answer: C

Explanation:
Failing to promptly provide a reasonable explanation for the denial of a claim, when done with enough frequency to indicate a business practice, is an unfair claim settlement practice and therefore an unfair insurance practice. It is not merely contractual liability, because the question describes a regulatory claims- handling violation. It is unrelated to a grace period, which concerns time to pay premiums. It is also not necessarily a fraudulent insurance act because fraud requires deception or false representation. Pennsylvania's Unfair Insurance Practices Act specifically identifies as an unfair claim settlement practice the failure to promptly provide a reasonable explanation of the policy basis, facts, or law for denying a claim or offering a compromise settlement.


NEW QUESTION # 15
Which of the following is considered an involuntary lien?

Answer: D

Explanation:
A federal tax lien is an involuntary lien because it arises by operation of law when federal tax obligations are unpaid; it is not created voluntarily by the property owner as loan collateral. A HELOC loan is voluntary because the borrower intentionally grants a mortgage or security interest to secure the credit line. A deed restriction is a covenant or limitation affecting use of the property, not a lien for payment. A life estate reservation creates or reserves an estate in land, not a creditor's lien. The Pennsylvania Title Insurance exam outline expressly includes voluntary and involuntary liens, federal liens, judgments, taxes, and assessments under Title Exceptions and Procedures for Clearing Title.


NEW QUESTION # 16
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

Answer: B

Explanation:
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.


NEW QUESTION # 17
What requirements define which closing costs are allowable as charges to the borrower?

Answer: C

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 # 18
A real estate interest that passes at death by operation of law to the surviving title holder is known as

Answer: D

Explanation:
Joint tenancy, when created with the right of survivorship, allows the deceased joint tenant's interest to pass automatically to the surviving title holder by operation of law. That survivorship feature is what the question is testing. Tenancy in common does not include automatic survivorship; a deceased tenant in common's share passes through the estate or by will or intestacy. A real estate contract interest is contractual, not a survivorship estate. Fee simple describes the broadest ownership estate, but it does not itself identify how title passes at death. For title purposes, survivorship ownership must be confirmed because it affects whether probate is required and how marketable title is shown after death. Pennsylvania's title outline includes joint tenancy, tenancy in common, tenancy by the entirety, and decedents' estates.


NEW QUESTION # 19
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