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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q48-Q53):

NEW QUESTION # 48
The process by which a mortgage is enforced against real estate is called a

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

Answer: D

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 # 49
The MAIN purpose of insurance is to

A. reduce risk.
B. transfer risk.
C. retain risk.
D. alter risk.

Answer: B

Explanation:
The main purpose of insurance is to transfer risk. The insured transfers the financial consequences of a covered loss to the insurer in exchange for premium. Insurance does not eliminate the underlying risk or guarantee that a title defect, lien, or loss will never occur. It also does not primarily "alter" risk. Risk reduction may occur through underwriting, searches, surveys, and loss-prevention procedures, but that is not the central contractual purpose of insurance. Retention is the opposite concept: the person keeps the risk instead of transferring it. In title insurance, the buyer or lender transfers covered title-loss risk to the title insurer. The Pennsylvania title outline includes risk, loss, exposure, and methods of handling risk, including transfer and retention.

NEW QUESTION # 50
What requirements define which closing costs are allowable as charges to the borrower?

A. State
B. ALTA
C. FHA
D. RESPA

Answer: C

Explanation:
FHA requirements define which closing costs and fees may be collected from the borrower in an FHA-insured loan transaction. RESPA governs settlement-service disclosures, escrow rules, and anti-kickback restrictions, but it is not the best answer to a question asking which requirements define allowable charges to the borrower in this loan-closing context. ALTA provides title insurance forms and standards, not borrower-charge rules.
"State" is too broad and does not match the specific loan-program requirement being tested. HUD/FHA guidance identifies customary and reasonable fees that may be collected from the borrower, and the Pennsylvania Title Insurance outline separately lists FHA requirements under settlement and closing procedures.

NEW QUESTION # 51
The Real Estate Settlement Procedure Act (RESPA), Section 8 violation that refers to a person giving or accepting a fee or "thing of value" for the referral of business is known as a

A. conversion.
B. bundled services.
C. kickback.
D. required use.

Answer: C

Explanation:
The correct RESPA Section 8 term is kickback. RESPA prohibits giving or accepting any fee, kickback, or thing of value under an agreement or understanding that settlement-service business will be referred.
"Required use" is a separate RESPA concept involving conditioning access to a service or property on use of a particular settlement-service provider. Conversion is wrongful control over another's property or funds, not the RESPA referral-fee violation. Bundled services describes grouped services but is not the statutory violation described here. In title and settlement practice, referral payments are heavily regulated because they can distort consumer choice and settlement costs. The Pennsylvania title outline includes RESPA under settlement and closing procedures.

NEW QUESTION # 52
Which of the following types of deeds provides the purchaser of real estate the greatest protection?

A. general warranty deed
B. quitclaim deed
C. trustee's deed
D. deed in trust

Answer: A

Explanation:
A general warranty deed gives the purchaser the strongest deed protection because the grantor warrants title against defects, including claims arising before the grantor owned the property. That is broader than a quitclaim deed, which conveys only whatever interest the grantor may have and gives no warranty of title. A trustee's deed is usually limited by the trustee's authority and does not normally provide broad personal warranties. A deed in trust concerns the manner of holding or transferring title into trust, not the greatest warranty protection to a buyer. This question falls under Real Property because the Pennsylvania title outline tests conveyances, deeds, title to real property, marketable title, and acquisition and transfer of real property.

NEW QUESTION # 53
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