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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q57-Q62):

NEW QUESTION # 57
The term used in the Real Estate Settlement Procedure Act (RESPA), that describes a situation in which a person must use a particular provider for settlement services in order to have access to some distinct service or property, is known as

A. bundled services.
B. anti-kickback.
C. tied benefits.
D. required use.

Answer: D

Explanation:
The correct RESPA term is "required use." Under Regulation X, required use means a situation where a person must use a particular settlement-service provider to obtain access to another distinct service or property, and the person pays for that settlement service or a related charge. "Bundled services" may describe a package of services, but RESPA does not use that term for this specific prohibited steering concept. "Tied benefits" is not the formal RESPA term. "Anti-kickback" relates to RESPA Section 8 prohibitions against improper referral fees, but it is not the definition quoted in the question. The Pennsylvania Title Insurance outline includes RESPA under settlement and closing procedures.

NEW QUESTION # 58
Which of the following can be licensed as a title insurance agent?

A. a legal entity
B. an approved attorney
C. an employee of a title company
D. an officer of a title company

Answer: A

Explanation:
A legal entity can be licensed or certified as a title insurance agent or agency. Pennsylvania title insurance law recognizes agencies that conduct title insurance business on behalf of a title insurer, and the statute defines an agency as an individual person, partnership, corporation, or other legal entity. An approved attorney, officer, or employee may perform certain functions depending on authority and licensing status, but those labels alone do not answer the licensing classification question as cleanly as "legal entity." This question is from Insurance Regulation because it tests persons or entities to be licensed, title producer requirements, agency obligations, and licensing structure. Pennsylvania law also ties title agency licensing to bond, fiduciary, account, recordkeeping, and insurer-contract duties.

NEW QUESTION # 59
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. the conveyance is void.
B. they are tenants in common.
C. they are joint tenants with rights of survivorship.
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 # 60
The process by which a mortgage is enforced against real estate is called a

A. non-judicial foreclosure.
B. forfeiture.
C. sheriff's sale.
D. trustee sale.

Answer: C

Explanation:
The best answer is sheriff's sale. Pennsylvania mortgage enforcement is generally a judicial foreclosure process, and the forced sale of the real property after judgment is conducted through a sheriff's sale. Non- judicial foreclosure and trustee sale terminology are more commonly associated with deed-of-trust states, where a trustee can sell property without the same judicial foreclosure structure. Forfeiture is not the standard mortgage enforcement process; it usually refers to loss of rights due to breach or legal penalty. In title practice, foreclosure and sheriff's sale records are critical because they affect ownership, lien priority, divestiture of interests, and insurability. The Pennsylvania title outline includes foreclosure, executions, claims against title, and judicial sales.

NEW QUESTION # 61
Which of the following statements is true concerning an unrecorded deed?

A. it is not valid between the grantor and the grantee
B. it need not name the grantee
C. it does not give constructive notice of ownership
D. it need not contain a legal description

Answer: C

Explanation:
An unrecorded deed may be valid between the grantor and grantee if properly executed, delivered, and accepted, but it does not give constructive notice to third parties through the land records. Constructive notice arises from proper recording, allowing later purchasers, lenders, judgment creditors, and title examiners to discover the ownership claim. A deed must still name the parties and contain an adequate legal description to identify the property. The false assumption is that recording is required for validity between the original parties; recording is mainly about public notice and priority protection. Pennsylvania recording law protects later bona fide purchasers, mortgagees, and judgment holders against unrecorded instruments lacking actual or constructive notice.

NEW QUESTION # 62
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