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

Section	Objectives
Real Estate and Settlement Procedures	- Legal Concepts 1. Deeds and conveyancing 2. Liens and encumbrances - Closing Process 1. Escrow handling 2. Settlement statements (HUD-1 / Closing Disclosure)
Ethics and Professional Conduct	- Fiduciary Responsibilities 1. Consumer protection standards 2. Duties of insurance producers
Insurance Industry Overview	- Regulatory Framework 1. State insurance regulations (Pennsylvania) 2. Licensing requirements and compliance - Fundamentals of Insurance Principles 1. Insurance contract basics 2. Risk concepts and types of risk
Title Insurance Principles	- Title Search and Examination 1. Public records and title defects 2. Chain of title - Title Insurance Policies 1. Covered risks and exclusions 2. Owner vs lender policies

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q15-Q20):

NEW QUESTION # 15
Which two elements should always be contained in an escrow agreement, specifically to protect the fiduciary and prevent lawsuits?

A. time limit and file number
B. location of property and reason for escrow
C. limitation of liability and ability to resign
D. amount of escrow and addresses of each party

Answer: C

Explanation:
The best answer is limitation of liability and ability to resign. An escrow holder is a fiduciary and must follow the parties' written escrow instructions. Because disputes can arise when parties disagree, fail to perform, or give conflicting instructions, a well-drafted escrow agreement should protect the escrow holder by limiting liability for actions taken in good faith under the instructions and by allowing resignation when continued service is unsafe or impossible. Amounts, addresses, time limits, file numbers, property location, and reason for escrow may be useful operational details, but they do not provide the same legal protection against fiduciary exposure and lawsuits. Pennsylvania's title outline specifically tests escrow principles, escrow terminology, escrow contracts, and fiduciary responsibilities of title agents.

NEW QUESTION # 16
Title is held by John and Kate, as joint tenants with right of survivorship. If John dies, which is the simplest manner of establishing record evidence of the marketable title in Kate?

A. Nothing is required.
B. Record in the county where the property is located a certified copy of John's death certificate.
C. Record a certified copy of a probate court order of John's estate distributing the home to Kate.
D. Probate the estate of John.

Answer: B

Explanation:
Because John and Kate held title as joint tenants with right of survivorship, John's interest passes to Kate by operation of law at John's death. The simplest way to show this in the land records is to record a certified copy of John's death certificate in the county where the property is located. Probate is not needed to transfer John's survivorship interest to Kate because the property does not pass through John's estate for this purpose.
"Nothing is required" is unsafe from a title standpoint because the record still needs evidence explaining why John's interest is no longer outstanding. This issue fits the Pennsylvania outline's treatment of joint tenancy, decedents' estates, probate concerns, and affidavits/record evidence used to clear title.

NEW QUESTION # 17
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. they are joint tenants with rights of survivorship.
B. they are tenants in common.
C. the conveyance is void.
D. they are tenants by the entirety.

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 # 18
Which of the following is NOT the responsibility of the Notary Public when taking an acknowledgment on a Deed, Mortgage or Deed of Trust?

A. affix his or her official stamp
B. list the expiration date of his or her commission
C. sign his or her name on the witness line
D. obtain proper identification from all signers

Answer: C

Explanation:
A notary taking an acknowledgment must complete the notarial certificate, verify the identity of the person acknowledging the document, sign as the notarial officer, apply the official stamp, and include required commission information. The notary does not sign on the witness line unless separately acting as a witness, which is not the notary's acknowledgment function. The witness line is for a witness to the execution of the document, not for the notarial officer's certificate. Deeds, mortgages, and similar instruments often require proper acknowledgment before recording, so this issue is highly relevant to Pennsylvania title practice. The exam outline includes acknowledgments under real property and real estate transaction recording procedures.

NEW QUESTION # 19
Coverage under a loan policy remains effective

A. until the lender assigns the mortgage.
B. during the life of the owner.
C. until the property is sold.
D. until the secured debt is satisfied.

Answer: D

Explanation:
A loan policy protects the lender's security interest in the insured mortgage. Its practical duration is tied to the secured debt: when the debt is paid and the mortgage is satisfied, the lender no longer has the insured mortgage interest that the loan policy was issued to protect. The policy is not controlled by the life of the owner, because the insured under a loan policy is the lender, not the borrower-owner. A sale of the property does not automatically end the lender's coverage if the insured mortgage remains outstanding. Assignment of the mortgage also does not necessarily terminate protection because lender policies commonly protect successors or assignees of the insured mortgage. The Pennsylvania outline specifically tests loan policies and title insurance policy structure.

NEW QUESTION # 20
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