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

Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions:

1. Which of the following is considered an involuntary lien?

A) HELOC loan
B) a life estate reservation
C) federal tax lien
D) deed restriction

2. Which property type includes all lands, man-made improvements, anything growing on the lands, as well as interests, or "rights," including future occupancy, reversion, and the use of surface and air space?

A) Personal
B) Tangible
C) Real
D) Intangible

3. Title is held by John and Kate, as joint tenants with right of survivorship. If John dies, which is the simplest manner of establishing record evidence of the marketable title in Kate?

A) Probate the estate of John.
B) Nothing is required.
C) Record a certified copy of a probate court order of John's estate distributing the home to Kate.
D) Record in the county where the property is located a certified copy of John's death certificate.

4. 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) condition.
B) standard exception.
C) post policy event.
D) requirement.

5. What requirements define which closing costs are allowable as charges to the borrower?

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

Solutions:

Question # 1
Answer: C

Question # 2
Answer: C

Question # 3
Answer: D

Question # 4
Answer: D

Question # 5
Answer: D