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Scheduling can be completed by calling 1-888-274-2020 or visiting PearsonVUE.com. The nearest other testing facilities are in Sarasota and Fort Lauderdale. Copyright 20082023 The Koogler Group, LLC. JavaScript seems to be disabled in your browser. Most states administer the tests in two parts, and require that the candidate pass both. 0000109623 00000 n
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How about you up this quiz and see if you know about the covers in Florida insurance in order to get your dream job. 0000034414 00000 n
Use these tools to check your knowledge of the following terms: Still hoping to learn more about title insurance? A live proctor will monitor you through the webcam on your workstation to provide a secure exam experience. 0000000016 00000 n
This process generally takes about two weeks from the date the completed exam is received. This product
A mortgage title insurance policy issued for an owner of property who has had the title to such property previously insured as owner by any title insurer. endstream
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Most likely these questions will look very different from the course materials and practice questions covered in our class because we have no knowledge of the content of these "pretest" questions. 85 questions are scored, while 15 questions are "pretest" or unscored questions. Determination of insurability Below is a Florida Insurance License: Life, Health, and Annuity Exam! If you are taking an exam in EMEA, select Armed Forces, Europe & Other. $42. for Title Insurance, Multi-State Study Manual
If things to not go according to plan and you do not pass the state exam the first time, don't panic! Good luck! Upon successful completion, ALTA/LTI Staff will submit CE credits to your state regulator. We are here for you. Fort Myers I - Bank of America Building, 11691 Gateway Boulevard, Suite 200, Fort Myers, FL 33913, Fort Myers II Pearson Vue Test Center, 1220 Towne Lake Drive, Unit 40, Fort Myers, FL 33913. Most states require a title insurance agent applicant to be at least 18 years old, and usually allow both in-state and out-of-state residents to apply. Here is what we recommend: This is highly recommended because you won't have to second guess yourself the next time you see that question. Alabama
Title agencies must have a __________ with a ____________minimum, a _________ with a ________ minimum, and __________ with a ________ minimum and _______. They shall contain only word-for-word or phrase translations. However, these tools are not and cannot replace statutes, department rules, orders or case law. The Program is divided into twenty
Number of Questions: 100 (85 are scored, 60 correct to pass) Valuable reference/study resources to help you achieve mastery of the material: Glossary of important terms and definitions (173 searchable pages), Florida Title Rule (F.A.C 690-186) with color coded statute references,
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Koogler Group is proud to participate with the Southeast Land Title Association
To whom does the $1,000 held in escrow belong? In Florida, the minimum retention rate of title premium by the title insurer is ______. hb```f``Z B,@Q6003%QV```` K"1(f`e`T`I`
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30 days Which of the following is NOT a common form of security instrument for real property in one or more states? We have other quizzes matching your interest. ______ does not constitute title insurance and the maximum liability is limited to _______ for it. Our recommendation is to take the state exam 5-10 days AFTER you've completed your course. The topics, including closing & escrow; search & exam; commitments & policies, will test employees' knowledge and comprehension. 1,184 jobs. PLEASE NOTE THAT THE VIRTUAL CLASSROOM [VC] PROGRAM IS A LIVE-STREAMED
Create your account to access this entire worksheet, A Premium account gives you access to all lesson, practice exams, quizzes & worksheets, Illinois Real Estate Broker License Exam: Study Guide. Contractor. Risk Management Manual. 0000003075 00000 n
Annuity Cash Surrender up to $250K for deferred annuity contracts per contract owner. Unlimited practice exams that simulate the actual state exam. . E&O insurance with a minimum $250,000 coverage amount and a maximum $10,000 deductible. A typical refinance for a better rate, or to lower the monthly mortgage payment. Insurance is the act of putting money in a company so as to protect you from the occurrence of a risk that may lead to loss or damage to the insured. 0
Insurance Title insurance commission (premiums) may _________. 0000002170 00000 n
The disposition of the money is governed by the escrow agreement. Number of Questions: 165 (150 are scored, 105 correct to pass) The department may place the offending licensee or appointee ______ for a period not to exceed ______, a penalty of $500 or $2500 for willful misconduct or willful violation CLICK TO WATCH A TUTORIAL ON HOW TO USE PLTI! An involuntary encumbrance is _____. During our many years in the education business, we have seen students have great success utilizing our recommended timeline, which is as follows: All Florida Insurance exams are multiple choice and require a 70% score to pass. Which of the following IS regulated by RESPA? 138 0 obj
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In most states, the body of law made by published decisions of appellate courts is called what? hbbd```b``nA$d"Y D(I7BO`30;"EI@)L`[kc r
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You can make your reservation online or contact our call center at 888-274-2020. %PDF-1.7
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Try a free demo of an online course at www.pltionline.com. 0000001991 00000 n
Find Out More! CompuCrams title insurance exam prep product provides all the tools and resources necessary to pass the title insurance exam the first time.Take our FREE title insurance practice test after you fill out the form below: Build your confidence and industry expertise with CompuCrams exclusive system of combining simulated title insurance exams, vocabulary, and title insurance practice testing.Show more. The rate for the second $100,000 of coverage is ______. FLA Health and Life and Annuity Agent . one year. 0000004980 00000 n
You will be quizzed on terms, such as encumbrance and involuntary encumbrance. for Closing Agents, Multi-State Study Manual
any other kind of insurance. 85 questions are scored, while 15 questions are "pretest" or unscored questions. 0000007355 00000 n
You have multiple options to get yourself ready to PASS it the second time around. %PDF-1.4
%
Contact Us. Not be divided or shared with non-licensees. Quiz, Involuntary Property Transfer Due to a Trustee Sale settlement - escrow, Title search and examination includes ______, title searchers (abstractors), title examiners, commitment-policy typists. The Department of Financial Services, through its testing vendor Pearson Vue, now offers Florida Insurance licensure exams at various domestic and international military sites. Appraisal Quiz, Risk of Loss & Equitable Conversion: Definition & Importance, Risk of Loss & Equitable Conversion: Definition & Importance A. Notice to Purchaser-Mortgagor Code: InsFL-LHA05 F.S 627.780 prohibits a person from knowingly quoting, charging, accepting, collecting, or receiving a premium for title insurance other than ______. y@]))j)n.IIjnm. Quiz, What is a Property Title Search? c)`Tw(E7%v3emmidpg7Auq`0``2``gP X*+;+*;;;X+;]*:XrXNi~p B3E,,2002Melclst:@Zam'/Metadata 87 0 R/OpenAction 3498 0 R/PageLayout/SinglePage/Pages 3494 0 R/StructTreeRoot 97 0 R/Type/Catalog/ViewerPreferences 3515 0 R>>
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It will be marked, 2-15 Health & Life Agent Pre-Licensing Course (Online Self-Study), 2-15 Florida Health & Life Agent State Exam Tutor (Online Self-Study), Follow our instructor's study plan and practice the provided sample questions, Take the state exam 5-10 days after the conclusion of your pre-licensing course. Quiz, What is Title Insurance? ______ must be based on the evaluation of a _______ prior to the issuance of title insurance. For any questions you answer incorrectly, if you do not understand why the correct answer is correct, review the topic in the corresponding chapter of the Florida Study Manual. [SLTA] a multi-state Industry Trade Association [Alabama Course Provider
F.S. rule text emphasis, and instructor notes, Instructor notes to aid in applying for the state exam. Discretionary grounds for denial, suspension, revocation or refusal to renew license or appointment __________, Suspension of title insurance agent license shall not exceed, Revocation of title insurance license shall not exceed, In lieu of suspension, revocation ,or refusal - other than mandatory situations - the Department may impose ______ which must be paid within. 0000116980 00000 n
Study Manual for Title Insurance, Alabama
3159 Shamrock South Tallahassee, FL 32309. Completion of the pre-licensing course is NOT required in order to schedule the test. and services prelicensing, certification-level self-study, regulatory
Completion of the pre-licensing course is NOT required in order to schedule the test. payment by a title insurer to its agent for services actually performed in the issuance of title insurance Remember, the State Exam is based on the textbook and NOT the Exam Prep product! Due to ongoing COVID conditions, all 2022 Sessions of the Alabama
Health Insurance Claims up to $300K. What is GLBA and what is regulated by it. a title policy you cannot locate. Begin with the TOPIC-SPECIFIC Exams and take each one repeatedly, until you consistently score (at least 34 times) in the mid- to high-90s. xref
You must wait 24 hours before you can schedule the Florida pre-licensing exam again. With our beautifully designed mobile interface, its easy to study and prepare for your title insurance exam anytime, from anywhere. The most common type of multiple conveyance is ______. From $105,000 a year. 100% Pass Guarantee
In most states, the law governing real property comes from two bodies of laws. Our comprehensive program includes pre-licensing, exam preparation in a variety of flexible formats - including in-person, livestream, online self-study insurance course options for Florida professionals. Title searchers and independent title abstractors must maintain _________. Mortgage Lending You will receive your score and answers at the end. 0000015866 00000 n
Practice and Prepare for the State Exam! Fees on a mortgage paid up front to the lender, in return for a reduced interest rate over the life of the loan. Take multiple tests with new . simultaneously issued with an Owner's policy, The minimum premium for Owner's and Loan policies is _____. . 0000005864 00000 n
1. E (8qh!Xs!kwG 0000003659 00000 n
Installation locations are in alphabetical order by geographic region and state. 0000010309 00000 n
Study Manual for Title Insurance, Florida Title Insurance
Exam Review/Playback functionality is not applicable to exams delivered online through OnVUE. i8,dTs#GE2&=opphyP@@ Please VERIFY that you have created your web account with your LEGAL name as it appears on your government-issued ID and that your personal information is CORRECT. 0000004483 00000 n
Take a practice test. To prepare you properly for the Real Estate exam, CompuCram offers a 3-step system including: Know exactly where you stand from a knowledge perspective with our exclusive, Track your vocabulary, practice tests, and simulated exam progress with our trademarked. Number of Questions: 100 (85 are scored, 60 correct to pass) 0000067763 00000 n
It may be purchased in addition to the
You must get 60 questions correct to pass. Real Estate Broker $45,000 - $60,000 a year. What is Title Insurance? Which of the following statements is NOT true of title insurance? All Florida Title Insurance Agencies are required to pay an annual _____ to the FLDFS on or by _____ of each year. Usually, the exam varies between 80-100 national questions and 30-50 state-specific ones, but each state is different. Take our FREE title insurance practice test after you fill out the form below: You may schedule your exam online or over the phone by contacting customer service. delivered as a Virtual [At-A- Distance] Classroom Program. 0000006730 00000 n
0
FLA Life and Annuity IT IS NOT
So the premium charge for the second $100,000 would be. SKU: FTIEPAvail: Registration
The refinance of a first mortgage on a commercial property. %PDF-1.6
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Fort Myers, FL 33907, 2008-2023 RDB Ventures, Inc.Privacy Digital Marketing by Fundibu, The exam is administered on a desktop computer system and your official score report is printed out and handed to you immediately upon completion of the exam. FLAHIGA, FLORIDA LIFE AND HEALTH INSURANCE GUARANTY ASSOC PROVIDES. CompuCram offers a unique learning methodology that guides you step-by-step from the Real Estate initial pre-assessment through all of the exam preparation options. loss or damage arising from encumbrance, defective titles, or invalidity or adverse claim to title. Quizzes [based on the Assigned Reading] as well as the Final Course Exam,
hbbd```b``z" e+- Once a title agent's appointment has expired or been terminated by the title insurer, the agent has __________ in which to get re-appointed or newly appointed. There is no cost to review an exam, but you can only review the last exam attempt one (1) time. Heather_Ray640. $42. In addition to ______ employed directly by title insurers or title agencies, ______ may also perform title searches. NOTARY Signing Agent Certification Exam 4.7 (67 reviews) Who are the stakeholders in the loan process? Once a title agent's appointment has expired or been terminated by the title insurer, the agent has _____ in which to get re-appointed . Study Manual for Title Insurance, Multi-State Study Manual
A ______ is a ______ policy issued by itself, not one _______. Quiz, Real Estate Tax Assessments & Appeals complete Assigned Reading [Florida Study Manual for Title Insurance] PRIOR
Concerned about federal compliance issues. A reasonable examination of the record title. The 2-14 Florida Life (Including Annuities & Variable Contracts) Agent License exam is 100 questions. The 40-hour Certificate of Completion is good for __________ from date of issuance. Students must
A cash purchase of a residential property. 0000003330 00000 n
Be sure to run the system test before you sign in to register for an online proctored exam. $100 for all conveyances except for multiple conveyances. You must have JavaScript enabled in your browser to utilize the functionality of this website. As a member, you'll also get unlimited access to over 88,000 lessons in math, Alabama
When an insurance company compensates the insured for damage or loss. Unlimited topic-level quizzes to help you build proficiency in specific
transaction is incident to the issuance of title insurance. common homeowners insurance questions and answers, general insurance agent practice questions with answers, Know Everything About Insurance Policies - Insurance Quiz, homeowners insurance quiz questions and answers, Chapter 4: Life insurance Policies, Options and Riders, Nature Of Insurance Quiz Questions And Answers, Chapter 3: Legal Concepts of the Insurance Contract. to 9:00 PM Eastern Time. loan policy Prefer to work on your tablet or phone? To qualify for licensure, within __________ the applicant must have completed a __________ in title insurance or must have at least __________ of experience in responsible title duties. Calculators are not needed on the insurance exam(s). Simulated exams
Load More. Examples of substitution loan rates include. 162 0 obj
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E&O insurance $250,000 and a maximum $10,000 deductible. 627.784 prohibits title insurance from being written on a ________. Time Limit: 2 hours, Code: InsFL-Health02 2 years.
For "English as a second language" test-takers, foreign language translation dictionaries are allowed. 0000012282 00000 n
The number of questions on the real estate exam depends on which state you are taking the exam in. This product The State Exam is based on the textbook. Vocabulary
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FIRST SESSION DATE TO PROVIDE ADEQUATE TIME FOR STUDENTS TO COMPLETE THE
All other trademarks and copyrights are the property of their respective owners. 0000003988 00000 n
General Insurance Exam Questions And Answers, California Life And Health Insurance Exam Questions Quiz. - Definition & Importance, What is a Property Title Search? Title insurance provides insureds protection against ________ . The Florida life health insurance exam comprises 165 questions, 15 pretest, and 150 tested questions. strictly regulated to conform to FLDFS requirements. Applied to the mortgage lending process, places mortgage lenders in an oversight position of title (settlement) agents. The purpose of the product is to help users gain comprehension of the material contained in the Florida Study Manual, on which the State Exam is based. If additional study time is desired, simply purchase this product again. 0000008951 00000 n
professionalism? to each Session [Lesson Plans will be provided] and must pass all Session
Title Agent jobs in Florida. Which of the following IS regulated by RESPA? programs. All rights reserved. 2 . Failure to properly use the product will generally result in failure on the State Exam. 20-Hour Title Agent Prelicensing Course, Florida
FLORIDA 40-HOUR TITLE AGENT PRELICENSING COURSE - TRADITIONAL [IN-PERSON] AND VIRTUAL [AT-A-DISTANCE] SESSIONS AVAILABLE The 40-Hour Course is available as a Traditional [In-Person] Classroom Course as well as a Virtual [At-A-Distance] Classroom Program. $100 An owners policy must be issued for a full insurable value of: The premises 0000003824 00000 n
Visit the Florida Real Estate online proctoring page to read important candidate information regarding proctor language and the use of pens, paper, and calculators for exams delivered online through OnVUE.. the unauthorized practice of law. May 1, 2023 at 1:02 a.m. Three specific ways the Florida Legislature is punishing working people and families. ALABAMA 20-HOUR TITLE AGENT PRELICENSING COURSE, FLORIDA 40-HOUR TITLE AGENT PRELICENSING COURSE TRADITIONAL [IN-PERSON]
1400 Colonial Blvd Ste 44 The VC Program is delivered in a NIGHT SCHOOL format and is
PASS ALL SESSION QUIZZES, SUBMIT ALL SESSION CODE PHRASES, AND TAKE AND
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Premium rates are tiered. U.S. military community funding eligibility options, Do not sell my personal information and cookies, What to expect in a Pearson VUE test center, Florida Department of Financial Services online proctoring page, English as a Second Language (ESL) Request Form, Purchase an online insurance practice test. #23300490] in presenting the Course. 0000016116 00000 n
B. Dictionaries containing definitions, explanations or handwritten notes are not allowed. Created by. the Course Calendar to register for the Course Offering of your choice. Course as well as a Virtual [At-A-Distance] Classroom Program. Securities Confidential. You must get 105 questions correct to pass. Full-time. Regardless of which exam you take, a 70% score is required to pass. Florida Title Insurance Exam Prep [Optional Component] SKU: FTIEP Avail: Registration Mfg: The Koogler Group $95.00 THIS IS AN OPTIONAL SINGLE-USER PRODUCT. The product should NOT be used for rote memorization of questions and answers. January 30th. 165 Minutes. Take your Florida Department of Financial Services exam conveniently from home through OnVUE online proctoring. 0000002604 00000 n
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Find the study package and tools that fit your learning style and budget. fidelity bond $50,000 Once you consistently score in the mid- to high-90s on each TOPIC-SPECIFIC Exam, switch to the MULTI-TOPIC Exam and take those repeatedly, until you consistently score (at least 34 times) in the mid- to high-90s. Our recommendation is to take the state exam 5-10 days AFTER you've completed your course. Quiz, Deed in Lieu of Foreclosure: Definition & Effects %%EOF
Any title insurer terminating the appointment of a title agent must file a _______ with the Department. English, science, history, and more. A waiver of tort liability from the insured. To view a list of domestic and overseas military installations offering these exams, click on the link below. Click on
The CompuCram title insurance practice exam delivers on ALL of the following: -- Select An Industry -- There are exceptions, however. Full-time. for Title Examiners, Federal Compliance
Quiz, Partition of Property: Definition & Process It only requires a one time payment of the premium. Play it at your conference or break room table. a person appointed in writing by a title insurer to issue and countersign title commitments and policies on behalf of the insurer. INSTRUCTOR-SUPPORTED PROGRAM. Sort by: relevance - date. If you are taking an exam at a facility in the Pacific, select Armed Forces Pacific. Print Worksheet. programs, student-driven on-demand online programs, and textbook-based self-study
Ocala, FL 34474. From practice quizzes and eBooks, to lesson notes and exam reviews - we have everything you need to pass the insurance licensing exam. 18 years old, a US citizen or legal alien with appropriate work authorization, and a bona fide Florida resident. Monday to Friday +2. To qualify for a 4-10 agent license you must be __________. WE ENCOURAGE THOSE INTERESTED TO REGISTER FOR THE COURSE NO LATER
Examination. Upon what must a title insurance policy be based in most jurisdictions? No insurer 0000099996 00000 n
Mortgage created as collateral for a loan. . All Florida Title Insurance Agencies are required to pay an annual __________ to the FLDFS on or by __________ of each year. Comprehensive test covering all topics. Florida Statutes 626.841 (1) defines a "TITLE INSURANCE AGENT" as a person, appointed in writing by a title insurer for the purpose of issuing and countersigning binders, commitments, policies of title insurance, or guarantees of title in its behalf. !ltdim> Q6t MxD.NxIX'"~tm]0Yrc}]K~}ZZLCj")X>Ls0Hsnkm/MXZjfy.CuRc_F]Yj}r[x-dmeKdd-b]N~zOoY^Wy@? PLEASE NOTE THAT THE VIRTUAL CLASSROOM [VC] PROGRAM IS A LIVE-STREAMED
Title insurers are permitted to issue _____ to any prospective insured. 0000006414 00000 n
4m?W6U}HxYHh-,^hdWwA$Nh D !ku05? 4+ years related experience in title exam and title search. ASSIGNED READING PRIOR TO THE FIRST SESSION. an insurance agency under which title insurance agents and other employees determine insurability in accordance with underwriting rules and standards prescribed by the title insurer represented by the agency, and issue and countersign commitments, endorsements, or policies of title insurance on behalf of the appointing title insurer. 208 jobs. Call PearsonVue at 1-888-274-2020 to schedule a date and time to review your exam results. Title Insurance Agents Compliance Information: Title Insurance Agents As a licensee it's important you have access to information that helps you keep your insurance business in compliance. Match. All rights reserved. STEPS TO OBTAIN 4-10 RESIDENT TITLE INSURANCE AGENT: Step 1 - You must: Phone: 850-893-4155 Fax: 850-668-2852 Larson Educational Services is famous for the state exam preparation courses that we have available. DO NOT REGISTER FOR THIS COURSE UNLESS YOU ARE PREPARED TO COMPLETE
In closing services what entitles a non-attorney title agent to prepare documents and conduct closings is that the _______. for Title Examiners, Federal Compliance
Visit the event calendar to view our schedule of live CE and CLE Seminars.. Monday to Friday. m)xGx;2k)
NL"!g$RPi$VDxcl"81RL"!B-0'? Click on the Course Calendar to register for the Course Offering of your choice. The rate for the first $100,000 of coverage is _____. Florida Insurance License Courses Offered through our Sister School, XCEL, a Recognized Leader In Insurance Education ENROLL NOW AT XCEL Active duty personnel, including the spouses of active duty personnel, federal contractors, and civilians working on base, are able to schedule exams at these locations. does not replace the textbook. You can view every question you got wrong along with the correct answer. Licensed Title Agent - Real Estate. 221 quizzes. AN ON-DEMAND SELF-STUDY COURSE. 0000117175 00000 n
Click on the
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A calculated risk of a known title defect. Our Live Online, Live & OnDemand, and Self-Study Online insurance licensing solutions provide a safe and convenient learning environment for our students, customers, and community. A. Whether physical or electronic, a ______ setting forth all policies issued for a Title Insurer must be maintained and is subject to ______. You are limited to five (5) examination attempts during the one (1) year period. If needed, a translation dictionary. You can schedule your Florida insurance exam at any time. Sort by: relevance - date. 0000013548 00000 n
It is very important that this information is correct, as it will appear as it was entered on the documentation provided to you after you have completed the exam, as well as on any reports to your licensing agency. 0000009493 00000 n
Typically speaking, you most likely could take the test again within 3-5 days. compliance, CE/CLE courses, job skills, and business basics training delivered
Reissue Title Insurance for Loan Policies. You will be provided with a dry erase sheet of paper and an erasable marker to make notes. Email education@alta.org or call 800-787-2582 with any questions or issues. Staff Pharmacist/Compounding Pharmacist. Home Inspection IT IS NOT AN ON-DEMAND SELF-STUDY COURSE. No one. Payment by title insurer to its duly appointed agent for for services actually performed in the issuance of title insurance; and payment to any person of a bona fide salary or compensation or other payment for goods or facilities actually furnished or for services actually performed. FLORIDA Insurance Outline- Examination Content Outlines Effective: January 1, 2023 S1 Florida Agent's Life (including Annuities & Variable Contracts) 85 scored questions plus 10 pretest questions Time limit: 2 hours GENERAL KNOWLEDGE Title insurers are liable for _________ held in trust by a licensed title agent or agency whom they have appointed. You will be required to re-take the exam if you do not complete the licensing process within that time-frame. &XX}("@&3NkAd@?-U >*> [a
The 2-15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License exam is 165 questions. A live proctor will monitor you through the webcam on your workstation to provide a secure exam experience. 221 62
Study Manual for Title Insurance, Florida Title Insurance
B. title insurance business 0000015676 00000 n
40-hour classroom course FAILURE TO DO SO WILL RESULT IN EXPULSION FROM
AND VIRTUAL [AT-A-DISTANCE] SESSIONS AVAILABLE. - Definition & Importance - Definition & Purpose Mandatory grounds for denial, suspension, revocation, or refusal to renew license or appointment __________. the amount paid. 221 0 obj<>
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The Koogler Group offers a wide range of educational programs, products,
It is a guarantee that title is clear. $42. The following quiz and worksheet have been created to help you review title insurance and its purpose. Florida Study Manual, which is REQUIRED for anyone taking the State Exam. You can schedule your Florida insurance exam at any time. Free Title Insurance Practice Test | Title Insurance Practice Exam Free Title Insurance Practice Test CompuCram's title insurance exam prep product provides all the tools and resources necessary to pass the title insurance exam the first time. Only __________ employed by a licensed and appointed title agency or employed by a title insurer may sell title insurance. 0000015771 00000 n
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Title Triumph is a unique and challenging twist in education. The original thirteen (13) colonies of the United States were colonies of what country? ALL ASSIGNED READING, ATTEND ALL TWENTY SESSIONS OF THE PROGRAM, TAKE AND
If a title policy is not issued, performing these functions would be considered ______. What is the common instrument used to convey title to real property? It involves risk elimination or minimization. Effective 5/22/2022: OnVUE sales/broker candidates will be required to photograph the front and back of their Pre-licensure Education Completion Certificate or their Florida Bar card during . The State Exam is based on the textbook. Original Title Insurance Rates are divided into ______ policies and ______ policies. Charges for issuing a title commitment ______. 150 questions are scored, while 15 questions are "pretest" or unscored questions.
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