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Pennsylvania Title Insurance Agent License EXAM MOST
RECENT TEST ALL 300 QUESTIONS 2026-2027 WITH
SOLUTIONS & WELL DETAILED RATIONALES JUST
REALEASED
Pennsylvania Title Insurance Agent License Exam — 300 Practice Questions
Exam Overview
The Pennsylvania Title Insurance Agent Examination (Series 16-10) is a 60-question, multiple-
choice exam with a one-hour time limit and a 70% passing score . The content outline weights
topics as follows: Insurance Regulation (15%), General Insurance (5%), Title Insurance (15%),
Title Exceptions and Procedures for Clearing Title (20%), and Real Estate Transactions
(remaining content) .
1. Which of the following is NOT a statutory requirement for licensing a title producer in
Pennsylvania?
A. Truthful representation of prior convictions
B. No felony convictions within the past five years
C. No history of fraudulent business practices
D. No prior civil lawsuits for breach of contract
Correct Answer: D
Rationale: While fraud and felony convictions affect eligibility, merely being a party to a civil
breach-of-contract suit does not automatically disqualify an applicant.
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2. A Pennsylvania title agent must complete how many continuing education hours every two
years?
A. 12 hours
B. 18 hours
C. 24 hours
D. 30 hours
Correct Answer: C
Rationale: Licensees must complete 24 CE hours biennially, including a 3-hour ethics component.
3. What is the primary purpose of the Title Insurance Rating Bureau of Pennsylvania (TIRBOP)?
A. Provide real estate appraisal services
B. Publish standardized premium rate manuals for title insurers
C. Provide title search software for agents
D. Offer legal representation for title disputes
Correct Answer: B
Rationale: TIRBOP publishes the mandatory rate manual used to calculate title insurance
premiums in Pennsylvania.
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4. Which of the following is considered a prohibited rebating practice in Pennsylvania?
A. Offering a free title search for a new client
B. Giving a discount on closing fees for a referral
C. Providing a cash rebate for immediate policy purchase
D. Waiving a non-essential fee for a senior citizen
Correct Answer: C
Rationale: Rebate—returning a portion of the premium or fees to induce business—is prohibited
under Pennsylvania insurance law.
5. An attorney licensed in Pennsylvania who wishes to act as a title agent must:
A. Obtain a separate title agent license
B. Submit a waiver to the Department of Insurance
C. Rely on the attorney exemption
D. Complete a 24-hour CE program specific to title insurance
Correct Answer: C
Rationale: Pennsylvania exempts attorneys from needing a separate producer license when
performing title work.
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6. What is the "All-Inclusive" rate structure used by TIRBOP?
A. Premiums are calculated solely on loan amount
B. All policy fees are bundled into a single rate
C. Separate charges are listed for each coverage type
D. Rates vary by county without standardization
Correct Answer: B
Rationale: All-Inclusive rates combine all charges into one premium figure for simplicity.
7. Which of the following is NOT allowed to be a factor in making title insurance rates?
A. Commission paid to agents
B. Expenses
C. Profit margins
D. Executive compensation
Correct Answer: D
Rationale: Executive compensation is not an allowable factor in rate-making for title insurance.
8. The Pennsylvania Insurance Commissioner's authority includes which of the following?
4
SUCCESS!
Pennsylvania Title Insurance Agent License EXAM MOST
RECENT TEST ALL 300 QUESTIONS 2026-2027 WITH
SOLUTIONS & WELL DETAILED RATIONALES JUST
REALEASED
Pennsylvania Title Insurance Agent License Exam — 300 Practice Questions
Exam Overview
The Pennsylvania Title Insurance Agent Examination (Series 16-10) is a 60-question, multiple-
choice exam with a one-hour time limit and a 70% passing score . The content outline weights
topics as follows: Insurance Regulation (15%), General Insurance (5%), Title Insurance (15%),
Title Exceptions and Procedures for Clearing Title (20%), and Real Estate Transactions
(remaining content) .
1. Which of the following is NOT a statutory requirement for licensing a title producer in
Pennsylvania?
A. Truthful representation of prior convictions
B. No felony convictions within the past five years
C. No history of fraudulent business practices
D. No prior civil lawsuits for breach of contract
Correct Answer: D
Rationale: While fraud and felony convictions affect eligibility, merely being a party to a civil
breach-of-contract suit does not automatically disqualify an applicant.
1
SUCCESS!
,Page 2 of 151
2. A Pennsylvania title agent must complete how many continuing education hours every two
years?
A. 12 hours
B. 18 hours
C. 24 hours
D. 30 hours
Correct Answer: C
Rationale: Licensees must complete 24 CE hours biennially, including a 3-hour ethics component.
3. What is the primary purpose of the Title Insurance Rating Bureau of Pennsylvania (TIRBOP)?
A. Provide real estate appraisal services
B. Publish standardized premium rate manuals for title insurers
C. Provide title search software for agents
D. Offer legal representation for title disputes
Correct Answer: B
Rationale: TIRBOP publishes the mandatory rate manual used to calculate title insurance
premiums in Pennsylvania.
2
SUCCESS!
,Page 3 of 151
4. Which of the following is considered a prohibited rebating practice in Pennsylvania?
A. Offering a free title search for a new client
B. Giving a discount on closing fees for a referral
C. Providing a cash rebate for immediate policy purchase
D. Waiving a non-essential fee for a senior citizen
Correct Answer: C
Rationale: Rebate—returning a portion of the premium or fees to induce business—is prohibited
under Pennsylvania insurance law.
5. An attorney licensed in Pennsylvania who wishes to act as a title agent must:
A. Obtain a separate title agent license
B. Submit a waiver to the Department of Insurance
C. Rely on the attorney exemption
D. Complete a 24-hour CE program specific to title insurance
Correct Answer: C
Rationale: Pennsylvania exempts attorneys from needing a separate producer license when
performing title work.
3
SUCCESS!
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6. What is the "All-Inclusive" rate structure used by TIRBOP?
A. Premiums are calculated solely on loan amount
B. All policy fees are bundled into a single rate
C. Separate charges are listed for each coverage type
D. Rates vary by county without standardization
Correct Answer: B
Rationale: All-Inclusive rates combine all charges into one premium figure for simplicity.
7. Which of the following is NOT allowed to be a factor in making title insurance rates?
A. Commission paid to agents
B. Expenses
C. Profit margins
D. Executive compensation
Correct Answer: D
Rationale: Executive compensation is not an allowable factor in rate-making for title insurance.
8. The Pennsylvania Insurance Commissioner's authority includes which of the following?
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