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

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

2. Coverage under a loan policy remains effective

A) until the secured debt is satisfied.
B) during the life of the owner.
C) until the property is sold.
D) until the lender assigns the mortgage.

3. 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?

A) as tenants at sufferance
B) as joint tenants
C) as tenants by the entireties
D) as tenants in common

4. An agent who collects money from an insured and holds it for payment to the insurer is

A) wrongfully withholding funds.
B) acting in a fiduciary capacity.
C) commingling funds.
D) providing coverage.

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

A) a payoff statement
B) a mortgage satisfaction
C) an original note
D) a certified copy of original mortgage

Solutions: