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

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

A) discuss any credit history inconsistencies with the applicant.
B) notify the applicant if an application is denied.
C) inform the applicant about the scope of an investigation.
D) inform the applicant that an investigation is being conducted.

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) Intangible
B) Personal
C) Tangible
D) Real

3. 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) waived to the lien of the subject mortgage.
C) restricted to the lien of the subject mortgage.
D) subordinated to the lien of the subject mortgage.

4. The MAIN purpose of insurance is to

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

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

A) fee simple estate.
B) joint tenancy.
C) tenancy in common.
D) real estate contract interest.

Solutions: