Insurance Licensing PA-Title-Insurance-Agent Q&A - in .pdf

  • Exam Code: PA-Title-Insurance-Agent
  • Exam Name: Pennsylvania Producers Examination for Title Insurance Series 16-10
  • Updated: Aug 24, 2026
  • Q & A: 67 Questions and Answers
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  • Exam Code: PA-Title-Insurance-Agent
  • Exam Name: Pennsylvania Producers Examination for Title Insurance Series 16-10
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Insurance Licensing PA-Title-Insurance-Agent Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Title Exceptions and Procedures for Clearing Title21%- General exceptions
- Liens and encumbrances
  • 1. Voluntary liens
    • 2. Taxes and assessments
      • 3. Involuntary liens
        • 4. Federal liens
          • 5. Judgments
            - Property-related issues
            • 1. Surveys
              • 2. Attachments
                • 3. Equitable interests
                  • 4. Mineral rights
                    • 5. Condominiums
                      • 6. Water rights
                        Topic 2: General Insurance Concepts3%
                        Topic 3: Insurance Regulation12%- Licensing
                        • 1. Maintenance and duration
                          • 2. Disciplinary actions
                            • 3. Revocation, suspension, nonrenewal or denial of license
                              • 4. Appointment procedures
                                • 5. Renewal
                                  • 6. Continuing education
                                    • 7. Reporting of actions
                                      • 8. General requirements
                                        • 9. Persons to be licensed
                                          • 10. Licensing process
                                            • 11. Address change
                                              • 12. Cease and desist orders
                                                • 13. Expiration
                                                  • 14. Assumed names
                                                    • 15. Title producer additional requirements
                                                      - Company regulation
                                                      • 1. Solvency requirements
                                                        • 2. Unfair claims settlement practices
                                                          • 3. Rates regulation
                                                            - Federal regulation
                                                            • 1. Fair Credit Reporting Act
                                                              • 2. Fraud and false statements (18 USC 1033/1034)
                                                                - State regulation
                                                                • 1. Commissioner's general duties and powers
                                                                  - Title insurance law requirements
                                                                  • 1. Examination of title required
                                                                    - Unfair trade practices
                                                                    • 1. Misrepresentation
                                                                      • 2. Unfair discrimination
                                                                        • 3. Boycott, coercion or intimidation
                                                                          • 4. Rebates and inducements
                                                                            • 5. Defamation
                                                                              • 6. Twisting
                                                                                • 7. False advertising
                                                                                  - Producer regulation
                                                                                  • 1. Charges for extra services
                                                                                    • 2. Unfair inducements and marketing practices
                                                                                      • 3. Prohibited acts
                                                                                        • 4. Record keeping
                                                                                          Topic 4: Title Insurance Principles- Title insurance policies
                                                                                          • 1. Leasehold policy
                                                                                            • 2. Loan policy
                                                                                              • 3. Commitments
                                                                                                • 4. Enhanced policies
                                                                                                  • 5. Owner's policy
                                                                                                    - Policy structure
                                                                                                    • 1. Exclusions
                                                                                                      • 2. Conditions and stipulations
                                                                                                        • 3. Insuring provisions
                                                                                                          • 4. Schedule B exceptions
                                                                                                            • 5. Endorsements
                                                                                                              • 6. Schedule A
                                                                                                                - Risks covered by title insurance
                                                                                                                • 1. Hidden off-record risks
                                                                                                                  • 2. Errors in public records
                                                                                                                    • 3. Errors by producer
                                                                                                                      - Insurable interests
                                                                                                                      • 1. Fee simple estate
                                                                                                                        • 2. Easements
                                                                                                                          • 3. Life estate
                                                                                                                            • 4. Leasehold estate
                                                                                                                              - Title search techniques
                                                                                                                              • 1. Hard copy index
                                                                                                                                • 2. Computer index
                                                                                                                                  • 3. Chain sheet

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

                                                                                                                                    1. Karen has a life estate in the property. Upon her death, the property passes to

                                                                                                                                    A) her heirs.
                                                                                                                                    B) the previous owner.
                                                                                                                                    C) her spouse.
                                                                                                                                    D) the remainderman.


                                                                                                                                    2. The MAIN purpose of insurance is to

                                                                                                                                    A) transfer risk.
                                                                                                                                    B) alter risk.
                                                                                                                                    C) reduce risk.
                                                                                                                                    D) retain risk.


                                                                                                                                    3. Which of the following can be licensed as a title insurance agent?

                                                                                                                                    A) a legal entity
                                                                                                                                    B) an employee of a title company
                                                                                                                                    C) an approved attorney
                                                                                                                                    D) an officer of a title company


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

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


                                                                                                                                    5. The term used in the Real Estate Settlement Procedure Act (RESPA), that describes a situation in which a person must use a particular provider for settlement services in order to have access to some distinct service or property, is known as

                                                                                                                                    A) anti-kickback.
                                                                                                                                    B) required use.
                                                                                                                                    C) bundled services.
                                                                                                                                    D) tied benefits.


                                                                                                                                    Solutions:

                                                                                                                                    Question # 1
                                                                                                                                    Answer: D
                                                                                                                                    Question # 2
                                                                                                                                    Answer: A
                                                                                                                                    Question # 3
                                                                                                                                    Answer: A
                                                                                                                                    Question # 4
                                                                                                                                    Answer: B
                                                                                                                                    Question # 5
                                                                                                                                    Answer: B

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