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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q12-Q17):

NEW QUESTION # 12
According to the Fair Credit Reporting Act, an insurer needs to do all of the following, EXCEPT

A. inform the applicant about the scope of an investigation.
B. inform the applicant that an investigation is being conducted.
C. notify the applicant if an application is denied.
D. discuss any credit history inconsistencies with the applicant.

Answer: D

Explanation:
The Fair Credit Reporting Act requires notice and disclosure duties when consumer reports or investigative consumer reports are used. An insurer must properly notify the applicant when an investigative report may be obtained and must provide required adverse-action notice if insurance is denied or affected based on report information. The applicant also has rights relating to the nature and scope of an investigative consumer report.
However, the FCRA does not require the insurer to personally discuss every credit-history inconsistency with the applicant. The consumer's dispute rights are generally exercised with the consumer reporting agency, not through an insurer's mandatory discussion process. The Pennsylvania Title Insurance outline expressly includes the Fair Credit Reporting Act under federal regulation in the Insurance Regulation section.

NEW QUESTION # 13
The MAIN purpose of an endorsement is to

A. increase the premium.
B. modify the policy.
C. decrease the premium.
D. describe the covered losses.

Answer: B

Explanation:
The main purpose of an endorsement is to modify the policy. In title insurance, an endorsement can add, limit, delete, clarify, or expand coverage depending on the approved form and underwriting requirements. It may affect premium, but changing the premium is not the purpose of an endorsement. The policy's insuring provisions and covered risks describe the core coverage; the endorsement alters how that policy applies to a particular transaction or risk. For example, endorsements may address access, zoning, restrictions, manufactured housing, survey matters, or additional insureds. This is squarely within Title Insurance because the Pennsylvania title outline lists endorsements under title insurance policy structure and provisions, along with commitments, owner's policies, loan policies, Schedule A, Schedule B, exclusions, and conditions.

NEW QUESTION # 14
Which of the following types of deeds provides the purchaser of real estate the greatest protection?

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

Answer: D

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 # 15
When a land owner uses his land as security for a loan, the encumbrance created is called

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

Answer: A

Explanation:
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.

NEW QUESTION # 16
When insuring a mortgage where there are intervening liens that prevent the lender from holding first lien priority, such other liens may be

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

Answer: B

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 # 17
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