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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) 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.
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) The easement can be considered abandoned because Bob no longer hunts and has no intention to use the easement in the future.

2. A leasehold interest in real property ownership is

A) a non insurable interest.
B) a lien interest.
C) an usury interest.
D) an insurable interest.

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

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

4. Which of the following types of deeds provides the purchaser of real estate the greatest protection?

A) deed in trust
B) trustee's deed
C) general warranty deed
D) quitclaim deed

5. The effective date on a title commitment is the date

A) the order was completed.
B) the public records were verified to.
C) the commitment is issued.
D) of the last recording on record.

Solutions: