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Pennsylvania Producers Examination for Title Insurance Series 16-10 Question and Answers

Pennsylvania Producers Examination for Title Insurance Series 16-10

Last Update Jul 26, 2026
Total Questions : 65

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Questions 1

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

Options:

A.  

the remainderman.

B.  

her spouse.

C.  

the previous owner.

D.  

her heirs.

Discussion 0
Questions 2

When insuring a mortgage where there are intervening liens that prevent the lender from holding first lien priority, such other liens may be

Options:

A.  

subordinated to the lien of the subject mortgage.

B.  

waived to the lien of the subject mortgage.

C.  

restricted to the lien of the subject mortgage.

D.  

subrogated to the lien of the insured mortgage.

Discussion 0
Questions 3

Which two elements should always be contained in an escrow agreement, specifically to protect the fiduciary and prevent lawsuits?

Options:

A.  

amount of escrow and addresses of each party

B.  

limitation of liability and ability to resign

C.  

time limit and file number

D.  

location of property and reason for escrow

Discussion 0
Questions 4

Which of the following parties can file a claim under the provisions of a title policy?

Options:

A.  

The holder of a judgment against the insured.

B.  

The holder of an undisclosed interest in the insured property.

C.  

The insured named under the policy.

D.  

The taxing authority with jurisdiction over the insured property.

Discussion 0
Questions 5

A purchaser on a real estate contract has what interest in the subject property?

Options:

A.  

vendee's interest

B.  

purchaser's interest

C.  

fee simple interest

D.  

equitable interest

Discussion 0
Questions 6

Who of the following CANNOT be covered by a Closing Protection Letter?

Options:

A.  

Lender.

B.  

Purchaser/buyer.

C.  

Seller.

D.  

Escrow agent.

Discussion 0
Questions 7

Coverage under a loan policy remains effective

Options:

A.  

until the secured debt is satisfied.

B.  

until the property is sold.

C.  

until the lender assigns the mortgage.

D.  

during the life of the owner.

Discussion 0
Questions 8

To satisfy a mortgage of record, which of the following must be filed?

Options:

A.  

a certified copy of original mortgage

B.  

a mortgage satisfaction

C.  

a payoff statement

D.  

an original note

Discussion 0
Questions 9

A waiver is defined as the

Options:

A.  

acceptance of terms of the policy.

B.  

intentional and voluntary giving up of a known right.

C.  

misrepresentation of a known right.

D.  

modification of a known right.

Discussion 0
Questions 10

Which of the following is considered an involuntary lien?

Options:

A.  

HELOC loan

B.  

deed restriction

C.  

a life estate reservation

D.  

federal tax lien

Discussion 0
Questions 11

An insurer charges a higher premium for insurance because of someone's race, marital status, or age. This is an example of

Options:

A.  

rebating.

B.  

unfair discrimination.

C.  

illegal inducement.

D.  

unfair coercion.

Discussion 0
Questions 12

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

Options:

A.  

joint tenancy.

B.  

tenancy in common.

C.  

real estate contract interest.

D.  

fee simple estate.

Discussion 0
Questions 13

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

Options:

A.  

post policy event.

B.  

condition.

C.  

standard exception.

D.  

requirement.

Discussion 0
Questions 14

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?

Options:

A.  

as tenants in common

B.  

as tenants at sufferance

C.  

as tenants by the entireties

D.  

as joint tenants

Discussion 0
Questions 15

An insurer fails to promptly provide a reasonable explanation for the denial of a claim as a general business practice. This is considered to be

Options:

A.  

an unfair insurance practice.

B.  

a contractual liability.

C.  

a violation of the grace period provision.

D.  

a fraudulent insurance act.

Discussion 0
Questions 16

The effective date on a title commitment is the date

Options:

A.  

the order was completed.

B.  

of the last recording on record.

C.  

the commitment is issued.

D.  

the public records were verified to.

Discussion 0
Questions 17

All of the following are considered valid monuments for the purpose of legally describing real property EXCEPT a

Options:

A.  

iron pin.

B.  

corner of a recorded subdivision lot.

C.  

highway.

D.  

fence line.

Discussion 0
Questions 18

The MAIN purpose of insurance is to

Options:

A.  

transfer risk.

B.  

alter risk.

C.  

reduce risk.

D.  

retain risk.

Discussion 0
Questions 19

According to the Fair Credit Reporting Act, an insurer needs to do all of the following, EXCEPT

Options:

A.  

inform the applicant that an investigation is being conducted.

B.  

notify the applicant if an application is denied.

C.  

inform the applicant about the scope of an investigation.

D.  

discuss any credit history inconsistencies with the applicant.

Discussion 0