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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q43-Q48):

NEW QUESTION # 43
Which of the following is the broadest form of ownership allowed by law?

A. leasehold
B. fee simple
C. life estate
D. easement estate

Answer: B

Explanation:
Fee simple is the broadest and most complete form of real property ownership. A fee simple owner generally holds the full bundle of ownership rights, subject only to governmental powers, valid private restrictions, liens, easements, and other lawful encumbrances. A leasehold is a possessory interest for a term, not full ownership. A life estate lasts only for the measuring life and terminates at death. An easement is a limited right to use or benefit from another's land, not full ownership of the land itself. This distinction is central to title insurance because the policy must identify the estate or interest being insured. The Pennsylvania title outline lists fee simple estate, leasehold estate, life estate, and easements as insurable interests.

NEW QUESTION # 44
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. Mortgagee
D. Title agent

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 # 45
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. Probate the estate of John.
C. Record in the county where the property is located a certified copy of John's death certificate.
D. Record a certified copy of a probate court order of John's estate distributing the home to Kate.

Answer: C

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 # 46
Which two elements should always be contained in an escrow agreement, specifically to protect the fiduciary and prevent lawsuits?

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

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 # 47
A manufactured home can be insured if

A. it is on the insured property and has a permanent foundation.
B. it has a motor vehicle title and is located on the insured property.
C. a mortgage has been filed describing the manufactured home.
D. the motor vehicle title has been deactivated, it is affixed and assessed as real property.

Answer: D

Explanation:
A manufactured home can be included in title insurance coverage when it has been converted from personal property to real property. The strongest answer is that the motor vehicle title has been deactivated, the home is affixed, and it is assessed as real property. Merely having a vehicle title is the opposite of real-property treatment. Simply being located on the land or having a foundation is not enough if title remains personal property. A mortgage description alone does not convert the manufactured home into insurable real property.
Pennsylvania law allows cancellation of a certificate of title for a mobile home permanently mounted on a foundation and affixed to real property, and PennDOT's form specifically applies to manufactured homes permanently affixed to land.

NEW QUESTION # 48
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