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Louisiana Insurance Exam Prep (Title), Louisiana Title Insurance Exam Questions with 100% Complete Solutions
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Louisiana Insurance Exam Prep (Title), Louisiana Title Insurance Exam Questions with 100% Complete Solutions

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  • 8 décembre 2023
  • 37
  • 2023/2024
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  • louisiana insurance exam prep title louisiana t

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  • Louisiana Title Insurance
  • Louisiana Title Insurance

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Louisiana Insurance Exam Prep (Title), Louisiana Title Insurance Exam Questions with 100% Complete Solutions
CONTRACTS - Aleatory Contract - Answer-A contract in which the performance of either party's obligation depends on an uncertain event
INSURANCE - Benchmark Rate(s) - Answer-The rate set annually by the Commissioner
of Insurance by line, relative to which the flexibility bands and statutory rate limitations apply.
INSURANCE - Churning - Answer-Can occur when an agent persuades a consumer to borrow against an existing life insurance policy to pay the premium on a new one.
INSURANCE - Dividend - Answer-The amount of money an insurance company may decide to distribute to policyholders.
INSURANCE - Insurable Interest - Answer-A financial interest in the property insured, prerequisite to a valid contract of insurance. In life insurance, a person's or party's interest, financial or emotional, in the continuing life of the insured.
INSURANCE - Misrepresentation (Material) - Answer-A significant misstatement in an application form. If a company had access to the correct information at the time of application, the company might not have agreed to accept the application.
INSURANCE - Rated Policy - Answer-A policy issued at a higher premium to cover a person classified as a greater-than-average risk, usually due to impaired health or a dangerous occupation.
INSURANCE - Redlining - Answer-Refusal by an insurance company to underwrite or to
continue to underwrite questionable risks in a given geographical area.
INSURANCE - Surplus Lines - Answer-Insurance coverage not available from an admitted company in the regular market; thus a surplus lines broker/agent representing an applicant seeks coverage in the surplus lines market from a nonadmitted insurer according to the insurance regulations of a particular state.
INSURANCE - Underwriting - Answer-An insurance company issues a policy when it believes you have a certain level of "risk" or chance of a claim. Underwriting is the process the company uses to decide whether to accept or reject an application. Companies do not make their underwriting guidelines public because they are considered to be trade secrets.
INSURANCE - Unearned Premium - Answer-The insured's remaining premium equity in
his policy; that part of the policy premium that has not been "used up."
INSURANCE - Annuity - Answer-contract sold by insurance companies that pays a monthly (or quarterly, semiannual, or annual) income benefit for the life of a person (annuitant), for the lives of two or more persons, or for a specified period of time.
INSURANCE - Binder - Answer-temporary insurance contract providing coverage until a
permanent policy is issued.
INSURANCE - Reinsurance - Answer-form of insurance that insurance companies buy for their own protection, "a sharing of insurance." An insurer (the reinsured) reduces its possible maximum loss on either an individual risk or a large number of risks by giving (ceding) a portion of liability to another insurance company (reinsurer).
PROPERTY - Real Property - Answer-immovable property
PROPERTY - Personal Property - Answer-movable property, exluded from sale
PROPERTY RIGHTS - Appurtenances - Answer-rights, privileges, improvements that will pass to the new owner upon conveyance of the land
PROPERTY - Improvements - Answer-immovable object that has been attached to the land and increases the value, such as fences and driveways
PROPERTY RIGHTS (Surface) - Riparian - Answer-having to do with water
PROPERTY RIGHTS (Surface) - Riparian (navigable waters) - Answer-identified waterway on a federal survey map, owned by the state, can be sold or leased, leased term is 15 years
PROPERTY RIGHTS (Surface) - Riparian (non-navigable) - Answer-water way that is not recorded; can be owned by the homeowner
PROPERTY RIGHTS (Surface) - Accretion - Answer-gaining of additional land through the gradual deposit of solid material
PROPERTY RIGHTS (Surface) - Accession - Answer-whenever additional land is acquired through natural causes or by joining or union with other property
PROPERTY RIGHTS (Surface) - Avulsion - Answer-land is taken away due to natural causes, usually more sudden than accretion SALE - Bill of Sale - Answer-sale of personal property is noted with this document
PROPERTY RIGHTS (Surface) - Emblement Rights - Answer-tenant may take the harvest of an annual crop even if the harvest occurred after the tenancy had ended
PROPERTY - Trade Fixtures - Answer-articles attached by the tenant to the building for use in conducting a trade or business; considered personal property
OWNERSAHIP - Allodial System - Answer-property ownership recognized in the US; land is held free and clear of any rent or service owed to the government
OWNERSHIP - Eminent Domain - Answer-right of the government to take privately owned land for public purpose, but must compensate
OWNERSHIP - Eminent Domain (condemnation) - Answer-process by which the government can take land by eminent domain
OWNERSHIP LIMITATIONS - Deed Restrictions - Answer-private limitation on the use of the land that restrict or specify; example cutting down trees or building a fence
OWNERSHIP LIMITATIONS - Easements - Answer-legal right that one has to use the lands of another for a special and necessary purpose
OWNERSHIP LIMITATION - Leases - Answer-owner gives a tenant right to use the property and the owner gives up his right of possession in the process
PROPERTY RIGHTS - Freehold Estates - Answer-estates that last for an indefinite period of time, at least as long as a lifetime
PROPERTY RIGHTS - Fee Simple - Answer-estate in land that lasts forever; highest degree of ownership recognized by law
PROPERTY RIGHTS - Life Estate - Answer-estate in land that lasts a lifetime
PROPERTY RIGHTS - Reversion - Answer-possession of a property will revert to the grantor upon the death of a life tenant
PROPERTY RIGHTS - Remainderman - Answer-the one in whom an estate vests after termination of a prior estate
PROPERTY RIGHTS - Tenancy for Years - Answer-lease for a definite period of time, even though it does not have to be a year; do not need to give advance notice
PROPERTY RIGHTS - Periodic Tenancy - Answer-lease for an indefinite period of time,
but you need to give advance notice PROPERTY RIGHTS - Tenancy at Will - Answer-lease that is not as prevalent; no payment of rent
PROPERTY RIGHTS - Tenancy at Sufferance - Answer-tenant comes into possession lawfully yet unlawfully remains in possession
TRANSFER of PROPERTY - Holographic Will - Answer-an unwitnessed will that is the testator's handwriting and signed by him
TRANSFER of PROPERTY - Adverse Possession - Answer-taking title to real estate by possessing it for a certain period of time; 30 years for improved property and 60 years for unimproved property; actual, open, hostile, exclusive, continuous, uninterrupted, visible, and notorious
TRANSFER of PROPERTY - Tax Foreclosure - Answer-if a owner is not paying taxes on the property and is delinquent for 6 months after the tax year, then there will be a tax
sale. owner has 2 years to redeem property, but only 6 months if municipality buys the tax sale
TRANSFER of PROPERTY - Chapter 7 Bankruptcy - Answer-liquidation of assets, everything is sold, and you don't have to pay
TRANSFER of PROPERTY - Chapter 13 Bankruptcy - Answer-debt repayment leading to higher or lower filing rates, could just change the amount of money that is owed per month so you can gradually pay off your debt
PROPERTY RIGHTS - Bundle of Rights - Answer-rights of possession, control, disposition and enjoyment; also called title
PROPERTY DESCRIPTION - metes and bounds - Answer-a method of describing or locating real property; metes are measures of length and bounds are boundaries; a description starting with a well-marked point of beginning
PROPERTY DESCRIPTION - Monument - Answer-any physical evidence of a boundary
line, can be a tree, rock, or pipe
PROPERTY DESCRIPTION - Datum - Answer-level surface from which elevations are measured
PROPERTY DESCRIPTION - Different Ways to Survey Land - Answer-1) metes and bounds 2) boundary system 3) lot and block number 4) monuments 5) street address 6) tax map identification
PROPERTY DESCRIPTION - Survey - Answer-the process by which a parcel of land is measured to identify the exact boundaries of the property and determine if all structures are completely within those boundaries

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