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

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

A) unfair discrimination.
B) illegal inducement.
C) rebating.
D) unfair coercion.

2. When a land owner uses his land as security for a loan, the encumbrance created is called

A) a mortgage.
B) a promissory note.
C) a special security.
D) an involuntary lien.

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

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

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

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

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

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

Solutions: