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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q51-Q56):

NEW QUESTION # 51
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. requirement.
B. condition.
C. standard exception.
D. post policy event.

Answer: A

NEW QUESTION # 52
Under the terms of a title insurance policy, when a disputed claim is decided by a neutral third party, the process is called

A. indemnification.
B. litigation.
C. arbitration.
D. subrogation.

Answer: C

Explanation:
When a disputed claim is decided by a neutral third party outside the ordinary court process, the process is arbitration. Litigation means resolving the dispute in court. Subrogation is the insurer's right, after paying a covered loss, to step into the insured's position and pursue responsible parties or recover priority rights.
Indemnification is the insurer's promise to compensate the insured for covered loss, not the dispute-resolution method. Title policies contain conditions that govern notice of claim, defense, settlement, payment, subrogation, and dispute resolution. Therefore, the neutral third-party decision process is arbitration. The Pennsylvania title outline tests title policy conditions and stipulations, insuring provisions, covered risks, and claim-related policy structure.

NEW QUESTION # 53
All of the following are subject to false advertising regulations EXCEPT

A. circulars.
B. gifts.
C. letters.
D. statements.

Answer: B

Explanation:
False advertising rules apply to insurance communications such as letters, statements, circulars, advertisements, announcements, illustrations, and other representations that may mislead the public about insurance benefits, terms, conditions, dividends, financial condition, or policy nature. Gifts are not themselves advertising communications. A gift may raise a separate rebating or inducement issue if offered improperly to obtain insurance business, but it is not the type of written or published communication targeted by false advertising regulation. Therefore, gifts are the exception. Pennsylvania's Unfair Insurance Practices Act specifically refers to making, publishing, issuing, or circulating estimates, illustrations, circulars, statements, sales presentations, and misleading advertisements. The Pennsylvania title outline also includes false advertising under Insurance Regulation.

NEW QUESTION # 54
Which of the following is considered a voluntary lien?

A. State tax lien.
B. Real estate tax lien.
C. Mortgage lien.
D. Construction lien.

Answer: C

Explanation:
A mortgage lien is voluntary because the property owner intentionally grants the mortgage as security for a debt. Real estate tax liens, state tax liens, and construction or mechanic's liens arise by operation of law when taxes, assessments, labor, or materials remain unpaid. Those are involuntary liens because they do not depend on the owner voluntarily pledging the property as collateral. This difference is critical in title work because voluntary liens are usually created by recorded security instruments, while involuntary liens may arise from statutes, judgments, taxes, or construction claims. The Pennsylvania title outline expressly tests voluntary and involuntary liens, mechanic's liens, taxes and assessments, federal liens, judgments, releases, subordinations, and procedures for clearing title.

NEW QUESTION # 55
To satisfy a mortgage of record, which of the following must be filed?

A. a mortgage satisfaction
B. a payoff statement
C. a certified copy of original mortgage
D. an original note

Answer: A

Explanation:
A mortgage of record is cleared by recording a mortgage satisfaction, often called a satisfaction piece. A payoff statement shows the amount needed to pay the loan, but it does not release the lien from the land records. The original note evidences the debt and may be marked paid, but it is not the recorded release instrument. A certified copy of the original mortgage only proves the existence or contents of the recorded mortgage; it does not satisfy it. Pennsylvania's Mortgage Satisfaction Act states that mortgages are satisfied by satisfaction pieces or, in residential cases, settlement officer satisfactions, and that the recording officer indexes them against the mortgagee or last assignee.

NEW QUESTION # 56
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