The Insurance Exam
All stories on this web site are purely FICTIONAL. The people depicted within these stories only exist in someone's IMAGINATION. Any resemblence between anyone depicted in these stories and any real person, living or dead, is an incredible COINCIDENCE too bizarre to be believed. If you think that you or someone you know is depicted in one of these stories it's only because you're a twisted perverted little fucker who sees conspiracies and plots where none exist. You probably suspect that your own MOTHER had sex with ALIENS and COWS and stuff. Well, she didn't. It's all in your head. Now take your tranquilizers and RELAX.
My high school buddy Chris sells life insurance, financial planning,
the works. With my business growing the way it is, I figure I better
increase my coverage.
"A million dollar policy?" says Chris when I call him. "You're what,
34? The premium will only be about $900 a year. Let me take your
application now and I'll set up a physical for you."
A week later I get a call from his assistant, Tracy, who sets me up
for an appointment the next morning at their office. I arrive the next
morning and meet Tracy, who turns out to be a real knockout with dark
hair in a tight skirt and blouse. She shows me into the conference room
and offers me coffee. Chris shows up a few minutes later. We chat for
a few minutes about sports and local politics. "The nurse should be here
shortly. I've got to go downtown to another appointment, but Tracy will
take care of your application" he says and leaves. Tracy comes back with
the nurse, an older woman, graying but attractive and trim, carrying a
big briefcase. Tracy introduces her then leaves.
The nurse pulls out a stack of forms and sits down.
"Now, there are some questions to answer, then some measurements and
some tests. Have you ever been told by a physician that you had
dizziness, fainting spells, or convulsions?"
"No." She checks off a box on a form.
"Anemia?"
"No."
This goes on and on, covering diseases, height, weight, drinking,
smoking, drugs, hang-gliding, then she asks "What is your sexual
orientation?"
"Um, that seems kind of personal."
"On a policy this size the company has to be very careful. This
information is strictly confidential. In fact, if you don't get the
policy the information will be destroyed."
"Um, ok, straight."
"Heterosexual?"
"Yeah." I notice she doesn't write on the form.
"Do any of your sexual practices involve stimulation or penetration
of the anus?" she asks.
I feel myself blush. "Why do they want to know that?"
"Nowdays there are risks associated with certain activities and
the company needs to evaluate that." She watches me carefully. I haven't
done anything along that line since I was a kid, but I have had some
fantasies.
"Well, no" I say.
"Do any of your sexual practices involve being tied, gagged, or bound?"
I hesitate. I once had a girlfriend who loved to tie me up and suck
me off, but that was a long time ago. I start to get turned on thinking
about it.
She waits, then says "The company just wants to estimate its risk.
This information is only used statistically."
"Oh," I say, "not really."
She smiles, but doesn't write anything. I smile back.
"Please remove your shirt, shoes, and socks" she says. "We'll do an EKG".
She rolls out a mat. I lie down on it and she attaches wires all over
my chest and from my wrists and ankles to a small black box. "Now just lie
quietly for a few minutes" she says. I do, but I still have half a hard-on
from her questions. She obviously notices it. Eventually she detaches the
wires and I stand up.
"Now we need a urine specimen" the nurse says. She hands me two little
plastic bottles and a larger clear plastic cup with a dark strip along the
side. "Fill these two bottles, then the fill the cup enough to cover the
dark strip."
I try to remember where the restroom is in this building and start to
reach for my shirt.
"No" she says sharply. "Do it here."
I look at her with my mouth open.
"We're just being careful" she says more soothingly. "Applicants
could provide faked samples. Don't worry, I've seen everything in the
hospital".
I turn my back and work my half-hard cock out of my pants with one
hand while I hold the bottles with the other. I manage to fill both
bottles, but now I have two full bottles in one hand, and I can't really
get my cock back in my pants with one hand, and anyway I still have to
fill the cup. I turn around with my cock hanging out and put the bottles
on the table. The nurse is watching. She gives me a smile, then looks
down at my cock, so I pick up the cup and pee into it while facing her,
my cock stiffening.
"Very good" she says, and lifts white latex gloves out of her
briefcase and pulls them on. "Now I need to do a physical exam". She
scoots her chair close and reaches for my cock with one gloved hand.
She slides a finger inside my pants and pushes it in behind my balls.
"No hernias" she says. "Now if you'll please undo your pants, we'll
do the rest of the exam." I slowly unbuckle my belt and loosen the snap,
wondering where this is going. "You'll probably find it most comfortable
to lie face down on the mat" she says. I do. "Now pull your pants down".
I work them down so my butt is exposed. Nothing happens for several
seconds, then I fell something cold pushing against my ass hole. I
twist my head to look back, and the nurse has a gloved finger in my ass
crack, pressing against my ass hole. "This is some lubricant to make
this more comfortable" she says.
Actually it feels sensational. She is pressing gently and rubbing her
finger slowly around my rim. I halfway expect her to push a finger
quickly into me and then quickly withdraw, like my doctor has done during
a physical, but she just rubs the outside of my ass hole. My cock is hard
as a stick, and my balls are pulled up tight. I lift my butt up and she
presses a little harder. I get up on my knees and elbows and work my
pants down around my ankles, moving my butt around as she continues to
rub a lubricated finger up and down in my ass crack. The feeling is
absolutely wonderful.
Suddenly I hear the door open. I twist my head around and see that
Tracy has slipped in, but I'm beyond caring. The feeling of the nurse's
finger rubbing against my ass hole is so good that I just close my eyes
and keep moving my ass in a slow circle.
After what may be seconds or minutes, I turn my head again. Tracy is
sitting in a chair with a hand up under her skirt, her eyes fixed on me
and her tongue out.
"Turn around" says the nurse. I close my eyes and just enjoy the
sensation, my forehead down on the mat. Suddenly a hand grabs my hair
and tilts my head back. I look up and see Tracy kneeling in front of me,
her skirt rolled up around her waist and some sort of dildo pointing out
from between her legs. The dildo is on some kind of belt that is
strapped around her hips. She has no panties on and I can see her
nearly shaved pussy. One hand clutches my hair and the other holds a
shiny black leather riding crop.
"Suck it, stud" she says, and pushes herself forward so the dildo is
in my face. "It's going in your ass, so get it good and slick". The
nurse is still rubbing a finger around my rim. I open my mouth and
take the dildo in it. Tracy forces my head up and down, her hand still
in my hair. I almost gag when she pushes her hips forward, shoving the
dildo to the back of my mouth. I reach out one hand for her pussy,
but she whacks it with the crop and says "Don't touch". Finally she
backs away and I close my eyes again. The nurse is still sending waves
of sensation from my ass. Then I feel something pressing into my ass
hole. For a moment it feels good, but then it hurts like hell. At the
same time a hand grasps my swollen cock and begins to stroke it slowly.
The pleasure and pain are incredible. I manage to look back. Tracy is
kneeling behind me, the dildo pressed into my ass. The nurse is
kneeling beside me, stroking my cock. Tracy thrusts in and out very,
very slowly. It hurts and feel like I need to shit, but the feeling
from my cock is wonderful.
I can't tell how long this lasts, but then the intense sensations
stop and I hear "Turn over". I'm in a daze, but I roll over on my back.
My cock is still as hard as it has ever been and I haven't come. I
reach down to stroke it myself and Tracy hits my hand again with the
crop. It stings and I yank my hand back.
"No" she says. She runs the crop lightly up and down the shaft of
my cock and says "Are you going to be a good boy and do what I say?"
I nod weakly. "Say it," she barks and raises the crop.
"I will."
"SAY it," and she runs the crop over my balls before raising it
even higher.
"I'll be a good boy and do what you say," I manage to get out.
"Good." Then she crawls over and squats over my face. "Eat me,"
she says and lowers her pussy down to my mouth. It is shaved almost
hairless. I start licking and she moves around so my tongue gets to
different parts of her pussy and her juice starts to flow down
my chin. "More tongue," Tracy says, and I try to stick my tongue out
even farther. She moves so that her hard little clit is right over
my tongue, and I run my tongue first in little circles around it, then
back and forth over it. Meanwhile the nurse has started stroking
my cock again, but so lightly and slowly that I can't come.
Tracy stiffens, then starts to come, shuddering five or six times
as the orgasms take her. The nurse starts to stroke me more firmly
now, but very slowly. I shove my hips up to prolong each stroke.
She puts the other hand between my legs and pushes a finger against
my ass hole again. The combination is just incredible. Tracy's pussy
is still over my face. My cock starts to spurt and the nurse matches
her strokes expertly, making it spurt again and again, the longest
orgasm I have ever had. Tracy gets up and I fall back with eyes
closed, exhausted.
When I open my eyes Tracy is gone. The nurse hands me a towel
and I wipe myself off. She has packed up everything but the mat.
I groan and roll off the mat and lift myself to my feet. She quickly
stows the mat.
"Use these pads in case you experience any pain or swelling" says
the nurse and lays two foil wrapped packages on the table. "You seem
to be in excellent shape" she says with a smile. "I don't think
you'll have any trouble qualifying for this policy."
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