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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 認定 PA-Title-Insurance-Agent 試験問題 (Q36-Q41):

質問 # 36
Coverage under a loan policy remains effective

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

正解：A

質問 # 37
A statement included on a title commitment such as "record warranty deed from the owner shown in Schedule A vesting title in the proposed insured" is an example of a

A. standard exception.
B. post policy event.
C. requirement.
D. condition.

正解：C

解説：
The quoted statement is a requirement because it describes something that must be done before the title insurer will issue the final policy. Recording a warranty deed from the vested owner into the proposed insured is a closing and recording requirement, not an exception. A standard exception limits or excludes coverage; it does not tell the parties what must be completed to create insurable title. A post-policy event occurs after policy issuance and is not what the commitment is addressing. The ALTA commitment structure treats Schedule B, Part I as "Requirements," and includes properly authorized, executed, delivered, and recorded conveyance or mortgage documents as requirements. This matches the Pennsylvania exam outline's focus on commitments and title policy structure.

質問 # 38
Title insurance NOT covering the insured for unpaid property taxes, which are NOT known at the time of closing, would be considered a

A. federal lien.
B. judgment.
C. standard exception.
D. covenant.

正解：C

解説：
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.

質問 # 39
When a land owner uses his land as security for a loan, the encumbrance created is called

A. an involuntary lien.
B. a special security.
C. a mortgage.
D. a promissory note.

正解：C

解説：
When an owner uses land as security for a loan, the encumbrance created against the real property is a mortgage. The promissory note is the borrower's promise to repay the debt, but the mortgage is the instrument that creates the lien or security interest in the land. It is not an involuntary lien because the owner voluntarily pledges the property as collateral. "Special security" is not the proper title-insurance or real-property term for this encumbrance. This distinction is important in title examination because recorded mortgages must be identified, excepted, paid, released, subordinated, or otherwise addressed before insurable title can be issued.
The Pennsylvania outline covers encumbrances, mortgages, notes, releases, and loan closings.

質問 # 40
An acknowledgment

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

正解：B

解説：
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.

質問 # 41
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