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

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

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Hot PA-Title-Insurance-Agent Spot Questions, PA-Title-Insurance-Agent Test Review

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q59-Q64):

NEW QUESTION # 59
Which of the following is excluded from coverage in the standard owner's policy?

A. recorded documentation on the title to real property without acknowledgment
B. lack of a right of access to and from the land
C. any claim for loss or damage based on negligence arising from the status of lien with the insured mortgage
D. any law, ordinance, or governmental regulation without filed notice

Answer: D

Explanation:
Governmental laws, ordinances, permits, and regulations are standard exclusions from owner's title insurance coverage unless the policy specifically covers a recorded enforcement notice or related insured risk. This includes zoning, building, subdivision, occupancy, environmental, and similar governmental restrictions. Lack of a right of access to and from the land is not the exclusion here; it is normally a covered risk in an owner's policy. Option B is aimed at loan-policy concepts and does not fit an owner's standard exclusion. Option C may create a title or recording defect, but it is not the policy exclusion being tested. The Pennsylvania title outline tests title policy exclusions, covered risks, Schedule B exceptions, and owner's policy provisions.

NEW QUESTION # 60
Which of the following is NOT among the requirements for recording a document affecting title to property in Pennsylvania?

A. The executed title insurance policy must be sent to the state insurance department.
B. The signatures on the document must be acknowledged.
C. The addresses of grantees must be provided on a special form appended to the document.
D. The stamp of the notary must be clear and legible and nothing may be written over it.

Answer: A

Explanation:
Sending the executed title insurance policy to the state insurance department is not a requirement for recording a document affecting title. Recording requirements concern the instrument being recorded, such as proper execution, acknowledgment, legible notary information, grantee or mortgagee address certifications, applicable transfer tax documents, and formatting requirements imposed by the recorder. The title insurance policy is an insurance contract issued to the insured; it is not part of the deed or mortgage recording package that must be sent to the Insurance Department for recording to occur. Pennsylvania recording practice requires recordable documents to meet execution and address requirements, and deeds are commonly accompanied by applicable transfer tax documents. The Pennsylvania title outline lists requirements to record and recording steps under Real Estate Transactions.

NEW QUESTION # 61
Which two elements should always be contained in an escrow agreement, specifically to protect the fiduciary and prevent lawsuits?

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

Answer: A

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 # 62
When insuring a mortgage where there are intervening liens that prevent the lender from holding first lien priority, such other liens may be

A. subordinated to the lien of the subject mortgage.
B. subrogated to the lien of the insured mortgage.
C. restricted to the lien of the subject mortgage.
D. waived to the lien of the subject mortgage.

Answer: A

Explanation:
Intervening liens that would prevent the lender from having first lien priority can be addressed by subordination. A subordination agreement makes an otherwise prior or intervening lienholder agree that its lien will rank behind the insured mortgage. That clears the priority problem for loan-policy underwriting.
"Waived to the lien" and "restricted to the lien" are not the correct title-clearing terms. Subrogation is different: it allows one party to step into another party's priority position after paying a debt or claim; it is not the normal document used when an existing lienholder agrees to become junior. The Pennsylvania title outline expressly includes voluntary and involuntary liens, releases, assignments, subordinations, and title-clearing procedures.

NEW QUESTION # 63
An acknowledgment

A. is an authorization to convey property.
B. is a signature on a deed.
C. provides evidence that a signature is genuine.
D. states that a deed contains verified information.

Answer: C

Explanation:
An acknowledgment is a notarial act in which the signer personally appears before the notary and acknowledges that the signature on the record is his or her own. It does not verify that the contents of the deed are true. It is not itself the authorization to convey property; the deed and the grantor's legal capacity accomplish that. It is also not simply a signature on a deed. The acknowledgment provides evidence of proper execution and supports recordability of the instrument. This matters in title insurance because a defective acknowledgment can create a recording or title problem. Pennsylvania's Department of State explains that a person may sign in the notary's presence or acknowledge that the signature on the document is his or her own.

NEW QUESTION # 64
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