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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q30-Q35):

NEW QUESTION # 30
Obtaining and recording releases of mortgages and reconveyances of trust deeds satisfied at closing is considered part of what process?

A. disbursement
B. pre-closing
C. post-closing
D. marketing

Answer: C

Explanation:
Recording releases after mortgages or trust deeds have been paid at closing is a post-closing function. The closing itself involves execution, settlement, funding, and collection of payoff amounts. After that, the title or settlement agent must ensure that satisfied liens are properly released or reconveyed in the public records so the chain of title no longer shows an open encumbrance. This is not marketing, because it has nothing to do with obtaining business. It is not pre-closing, because the lien has already been satisfied at settlement. It is not mere disbursement, because the question asks about obtaining and recording releases. The Pennsylvania title outline places recording, disbursement procedures, releases, and clearing title within the Real Estate Transactions and Title Exceptions sections.

NEW QUESTION # 31
Which document is recorded in the recorder of deeds?

A. civil judgment
B. notice of lis pendens
C. realty transfer tax statement of value
D. mechanic's lien

Answer: C

Explanation:
The realty transfer tax statement of value is filed or recorded with the recorder of deeds as part of the real estate transfer recording process when required. Civil judgments and many lien-related court filings are handled through the prothonotary or court records, not the recorder of deeds. A mechanic's lien is generally a statutory lien filed through court procedures, not simply recorded like a deed. A notice of lis pendens is tied to pending litigation and court notice. Pennsylvania's Department of Revenue explains that realty transfer tax is collected by county Recorders of Deeds, and Philadelphia recording guidance states that deeds must be accompanied by applicable transfer tax materials, including the PA Realty Transfer Tax Statement of Value.

NEW QUESTION # 32
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.

Answer: C

NEW QUESTION # 33
The effective date on a title commitment is the date

A. the commitment is issued.
B. of the last recording on record.
C. the order was completed.
D. the public records were verified to.

Answer: D

Explanation:
The effective date of a title commitment is tied to the date through which the public records have been searched or verified. It is not simply the date the order was completed or the date the commitment was physically issued. It also is not necessarily the date of the last document recorded, because the title company's search may run through a particular certification or verification point. This date matters because the commitment reflects title conditions as of that searched-through date; later liens, deeds, judgments, or other matters may require an update before closing. The Pennsylvania exam outline tests commitments, title searching techniques, public records, recording systems, and title policy structure.

NEW QUESTION # 34
When a land owner uses his land as security for a loan, the encumbrance created is called

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

Answer: B

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 # 35
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