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

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

A) subrogated to the lien of the insured mortgage.
B) restricted to the lien of the subject mortgage.
C) subordinated to the lien of the subject mortgage.
D) waived to the lien of the subject mortgage.

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

3. Which of the following is the broadest form of ownership allowed by law?

A) easement estate
B) life estate
C) fee simple
D) leasehold

4. When a mortgagee's title insurance policy is issued and no owner's policy will be issued, a written waiver must be signed by the:

A) Title agent
B) Mortgagee
C) Mortgagor
D) Seller

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

Solutions: