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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q22-Q27):

NEW QUESTION # 22
What must accompany the satisfaction piece when presented for recording?

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

Answer: C

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 # 23
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. Seller
B. Mortgagor
C. Title agent
D. Mortgagee

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 # 24
All of the following are considered valid monuments for the purpose of legally describing real property EXCEPT a

A. iron pin.
B. corner of a recorded subdivision lot.
C. fence line.
D. highway.

Answer: B

Explanation:
A monument used in a legal description is typically a physical or identifiable boundary object or feature used to locate land. An iron pin is a classic artificial monument. A highway can serve as a visible boundary reference. A fence line may also function as an artificial monument when used in the description or relied on as boundary evidence. A "corner of a recorded subdivision lot," by itself, is not a physical monument; it is a legal or plat reference point unless an actual monument marks it on the ground. This distinction matters because title descriptions must allow the property to be located with certainty. The Pennsylvania title outline includes legal descriptions, types of descriptions, measurements, language, structure, format, and interpretation.

NEW QUESTION # 25
An agent who collects money from an insured and holds it for payment to the insurer is

A. acting in a fiduciary capacity.
B. providing coverage.
C. commingling funds.
D. wrongfully withholding funds.

Answer: A

Explanation:
An agent who collects money from an insured and holds it for payment to the insurer is acting in a fiduciary capacity. A fiduciary must hold and handle funds for the benefit of the party entitled to them, not for the agent' s personal use. Wrongfully withholding funds would occur if the agent failed to remit or misused the money.
Commingling would occur if the agent mixed fiduciary funds with personal or operating funds improperly.
Collecting premium or escrow-related money also does not itself provide coverage; coverage arises from the insurance contract and insurer authority. Pennsylvania title agency law specifically requires title agents to collect and hold funds due the title insurer in a fiduciary capacity in appropriate accounts.

NEW QUESTION # 26
Which section of a title insurance policy lists the rights of the insurer?

A. declarations
B. conditions
C. exclusions from coverage
D. insuring agreement

Answer: B

Explanation:
The insurer's rights are found in the Conditions section of the title insurance policy. The Conditions section explains claim handling, notice requirements, proof of loss, defense, settlement, payment of claims, subrogation, limitation of liability, and other rights and obligations between the insured and the title insurer.
Exclusions from coverage identify matters outside the policy's protection. The insuring agreement states the basic promise of coverage. "Declarations" is not the standard title-policy section used for the insurer's claim rights. The Pennsylvania Title Insurance outline specifically lists policy structure and provisions, including insuring provisions, Schedule A, Schedule B exceptions, exclusions, and conditions and stipulations.

NEW QUESTION # 27
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