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

Section	Objectives
Insurance Industry Overview	- Regulatory Framework 1. State insurance regulations (Pennsylvania) 2. Licensing requirements and compliance - Fundamentals of Insurance Principles 1. Insurance contract basics 2. Risk concepts and types of risk
Title Insurance Principles	- Title Search and Examination 1. Public records and title defects 2. Chain of title - Title Insurance Policies 1. Covered risks and exclusions 2. Owner vs lender policies
Real Estate and Settlement Procedures	- Closing Process 1. Escrow handling 2. Settlement statements (HUD-1 / Closing Disclosure) - Legal Concepts 1. Liens and encumbrances 2. Deeds and conveyancing
Ethics and Professional Conduct	- Fiduciary Responsibilities 1. Consumer protection standards 2. Duties of insurance producers

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q34-Q39):

NEW QUESTION # 34
An acknowledgment

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

Answer: D

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 # 35
In 1990, Eddie granted to Bob an easement to cross Eddie's land to reach some hunting grounds off the highway. The easement was depicted on a plat of survey recorded in the county land records. In 1995, Bob stopped hunting and has not used the easement since. Bob never intends to go back there again. How can Eddie get rid of the easement that crosses his property, so that Eddie can sell the land free of the easement?

A. Eddie can sell if Bob executes a release of the easement and it is filed at the recorder's office.
B. The easement can be considered abandoned because Bob no longer hunts and has no intention to use the easement in the future.
C. Bob must join Eddie in the execution of the contract to the new buyer to release the new buyer from the effects of the easement.
D. Eddie can sell the land without regard for the easement because Bob stopped using it in 1995.

Answer: A

Explanation:
Because the easement was recorded, it remains a title exception until it is properly released or otherwise legally extinguished of record. Bob's nonuse and present intention not to return may support an abandonment argument in some cases, but that is not clean enough for title insurance or marketable title. Eddie needs a recordable release executed by Bob and filed in the recorder's office so the land records show that the easement no longer burdens the property. Eddie cannot simply ignore the recorded easement, and Bob signing the buyer's sales contract would not be the proper public-record release. This is a title-clearing issue because the Pennsylvania title outline specifically includes easements, general exceptions, claims against title, releases, and title-clearing procedures.

NEW QUESTION # 36
A deed to a lot in Greenacre is recorded. Two parties who are NOT married to each other are named as grantees. The deed does NOT mention any form of tenancy. How do the grantees hold title to the lot?

A. as joint tenants
B. as tenants in common
C. as tenants by the entireties
D. as tenants at sufferance

Answer: B

Explanation:
When two unmarried grantees receive title and the deed does not state a survivorship form or another specific tenancy, the default ownership form is tenancy in common. Each co-owner holds an undivided interest that can be conveyed, devised, or inherited separately. Tenancy by the entireties is only available to married spouses, so it cannot apply here. Joint tenancy requires survivorship language or a clear expression of that intent; it is not presumed merely because two people are named as grantees. Tenancy at sufferance is not an ownership estate; it describes a holdover occupancy situation. The Pennsylvania Title Insurance outline specifically tests joint ownership types, including tenants in common, joint tenancy, and tenancy by the entirety.

NEW QUESTION # 37
A real estate interest that passes at death by operation of law to the surviving title holder is known as

A. fee simple estate.
B. tenancy in common.
C. real estate contract interest.
D. joint tenancy.

Answer: D

Explanation:
Joint tenancy, when created with the right of survivorship, allows the deceased joint tenant's interest to pass automatically to the surviving title holder by operation of law. That survivorship feature is what the question is testing. Tenancy in common does not include automatic survivorship; a deceased tenant in common's share passes through the estate or by will or intestacy. A real estate contract interest is contractual, not a survivorship estate. Fee simple describes the broadest ownership estate, but it does not itself identify how title passes at death. For title purposes, survivorship ownership must be confirmed because it affects whether probate is required and how marketable title is shown after death. Pennsylvania's title outline includes joint tenancy, tenancy in common, tenancy by the entirety, and decedents' estates.

NEW QUESTION # 38
A manufactured home can be insured if

A. the motor vehicle title has been deactivated, it is affixed and assessed as real property.
B. it has a motor vehicle title and is located on the insured property.
C. a mortgage has been filed describing the manufactured home.
D. it is on the insured property and has a permanent foundation.

Answer: A

Explanation:
A manufactured home can be included in title insurance coverage when it has been converted from personal property to real property. The strongest answer is that the motor vehicle title has been deactivated, the home is affixed, and it is assessed as real property. Merely having a vehicle title is the opposite of real-property treatment. Simply being located on the land or having a foundation is not enough if title remains personal property. A mortgage description alone does not convert the manufactured home into insurable real property.
Pennsylvania law allows cancellation of a certificate of title for a mobile home permanently mounted on a foundation and affixed to real property, and PennDOT's form specifically applies to manufactured homes permanently affixed to land.

NEW QUESTION # 39
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