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| Section | Objectives |
|---|---|
| Topic 1: Title Insurance Principles | - Title Insurance Policies
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| Topic 2: Ethics and Professional Conduct | - Fiduciary Responsibilities
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| Topic 3: Real Estate and Settlement Procedures | - Closing Process
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| Topic 4: Insurance Industry Overview | - Fundamentals of Insurance Principles
|
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NEW QUESTION # 30
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:
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 # 31
Title insurance NOT covering the insured for unpaid property taxes, which are NOT known at the time of closing, would be considered a
Answer: C
Explanation:
Unpaid property taxes that are not known or not shown as existing liens at the time of closing are typically handled as a standard exception from title insurance coverage. A standard exception removes broad categories of risk from coverage unless the title company has enough evidence to delete or modify the exception. The answer is not "judgment" because a judgment is a court-created lien. It is not "federal lien" because the question refers generally to property taxes, not a federal tax lien. It is not "covenant," because covenants are restrictions or promises affecting land use. Pennsylvania's title outline specifically includes Schedule B exceptions, exclusions, taxes and assessments, and general exceptions as tested title-insurance concepts.
NEW QUESTION # 32
Which of the following is NOT effective with a Quit Claim Deed?
Answer: B
Explanation:
A quit claim deed conveys whatever interest the grantor may have, if any, but it does not include a warranty of title. That is the key distinction. A quit claim deed can be used to release possible claims, remove a cloud on title, or transfer a grantor's existing interest without guaranteeing that the interest is valid or marketable.
Because there is no covenant of warranty, the grantee receives no assurance that the grantor owns good title or that the title is free from defects. In title insurance practice, this matters because a quit claim deed may clear a specific claim but does not replace title examination or underwriting review. The Pennsylvania outline tests conveyances, marketable title, deeds, and clearing-title procedures.
NEW QUESTION # 33
An acknowledgment
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 # 34
The commissioner may refuse to issue a license if the applicant
Answer: A
Explanation:
Providing incorrect information on a licensing application is a prohibited act and is a proper basis for denial or refusal of an insurance producer license. A lapse alone is not the same as giving false, misleading, incomplete, or incorrect information. Being 20 years old is not disqualifying where the applicant otherwise meets licensing requirements. Nonresidency is also not automatically disqualifying because Pennsylvania can license nonresident producers if statutory conditions are met. The Pennsylvania Title Insurance outline places license denial, prohibited acts, and commissioner enforcement under Insurance Regulation. Pennsylvania enforcement materials also identify incorrect, misleading, incomplete, or false information in a license application as a prohibited act, punishable by refusal, suspension, revocation, penalties, or other enforcement action.
NEW QUESTION # 35
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