The Insurance Exam

This is the story about what happened when I was required to have a screening physical exam in order to obtain a life insurance policy. Now that seems to be a rather mundane subject, but it turned out to be far more exciting than what I expected. First let me give a bit of background before we get into the details.

I had been working for a company for over ten years and had gained significant experience in a rather complex area involving the use of very technical laboratory equipment. I worked long hours with some excellent colleagues and had developed what I felt to be a particularly important group of tests that could be reliably performed for use in the medical and pharmaceutical industries. One of my coworkers was named Fran. She and I had collaborated for several years and had not only developed a sense of trust but also deep friendship while working on our projects. Unfortunately there were several other individuals in the company including a supervisor that felt our work was unimportant to the company despite our many years of dedicated effort. Indeed, when decisions were made about cutbacks, our program was cancelled.

When this string of events occurred, Fran and I ultimately left and decided to form our own small business to develop the technology for practical use. Fran and I were able to obtain a commercial loan but one of the bank's requirements included the need to purchase life insurance policies worth several million dollars to pay off the loan if one of us died. This seemed like a relatively benign problem, but was made a priority in order to allow the loan to proceed since the building and specialized machinery had already been ordered. Fran had taken care of making arrangements for the life insurance, so she told me that at some time we would need to fill out the forms and have an exam.

Fran and I had moved into some small office space adjacent to the area where our laboratory was being constructed. At the time, this consisted of relatively small offices, secretarial space and storage, and a conference room with a large table and sofa for discussions among the staff. While construction was going on, a restroom was located a distance away in an adjoining set of suites. It was a temporary situation while we were in the construction and development phases of the company.

At the time, I was not married. I had divorced about seven years earlier, and while I went out from time to time, it had been a while since I had an intimate relationship. Fran had been married for several years to a young attorney that traveled many days a week while he tried to climb the advancement ladder at his firm. I had known her actually longer than her husband had, and it sometimes seemed like we spent more time together than they did. I had heard that there were some problems in their marriage but had never wanted to really get into any involvement in a colleague's issues at home. Normally she wore relatively conservative business dress, but I had seen her occasionally in informal clothing including sweaters that had emphasized her beautiful shape. We had previously attended several out of town conferences together and we felt very comfortable socially, but there had never been any sexual or romantic involvement.

I was scheduled to be going out of town the next day for at least a week when Fran told me that she had been informed that we would need to have the insurance screening physical done in order for the loan to precede. She made it sound like a very brief and routine event. That day, Fran told me the insurance company would provide a physician's assistant or nurse practitioner to come to us to do the exam and collect some blood and urine specimens in order to expedite the process. When I reminded her that I would be leaving town the next day, she said that she would call to see if they could come sometime that day.

Later that day, Fran stuck her head into my office and said, "Dave, I need to clear this plan with you, but you need to understand how important it is that we get the exam done today. We need the exam in order to have the loan approved, and we will need the money from the loan very soon to pay for the equipment that will arrive next week."

"Okay, so what's the problem?"

Fran continued explaining while giving me a slightly sheepish look. "The only person they have available to give the exam this evening is a female nurse practitioner. Their company's policy is that the examiner is only allowed to perform the exam on someone of the same sex unless they have an assistant or spouse present during the exam acting as a chaperone. I told her that we were married and would both be getting the exam done in order to be able to make it work. I hope that you aren't too upset."

"Don't worry," I said. "We've known each other a long time. We will have already filled out the medical questionnaires. So what's the big deal if you are there when they take my blood pressure and draw some blood work?"

"Good. She will be coming at about 6 pm this evening after she gets off from work at her usual job. I think everyone else will have already gone home. My husband is out of town, so I don't really need to call anyone to tell them I will be late getting home. By the way, she said to be sure to drink plenty of water during the day and not eat any sweets for 4 hours before she arrives. – And be sure to remember that we are married."

Later that day the other employees went home leaving just Fran and me to wait for the nurse. Our dress during these times of development ranged from collared shirts and slacks to formal business dress depending upon who we were scheduled to meet during the day. I was dressed pretty informally but Fran was dressed in a business suit today. She was about thirty-two years old while I was now nearly forty. She always looked sharp but did not wear any inappropriate or flashy clothing. Fran seemed to have a slim yet very feminine figure but it was usually understated in everything that she wore. She had a pretty face with blondish brown hair and light blue eyes. Best of all, she had an absolutely killer smile.

When there was a knock at the door, Fran answered and invited the nurse into the outer office. Fran introduced herself as the vice president of the corporation, and me as her husband and president of the company. The nurse introduced herself as Megan and told us that she was a clinical nurse practitioner at the local women's clinic. She did some insurance physicals on the side to make some extra income. She was attractive and wore some dark blue scrubs that were just tight enough to show her figure. She entered the office pulling a small rolling suitcase that contained her equipment.

Fran thanked her for coming on short notice and also said that she appreciated doing both of the physicals at once. Megan was polite, and said that it probably saved her company from having to make two trips. She mentioned again that normally she would not perform an exam on an unchaperoned male because of company policy. She said however that she understood that there was a particular urgency for the exams to be done and it was allowable for us to agree to act as our own chaperones since we were a married couple.

"I will need to ask some questions and perform an exam which might cause privacy issues normally," she said, "but as long as you are both willing to accept that and sign the consent, then I will be happy to begin."

Fran and I looked at each other for a second and decided that we needed to do it. I thought "How big a deal is this?" We signed the consent and she began unpacking some forms and equipment. We had moved into the conference room because this was the largest room and was furnished with a long table, chairs, and also a large comfortable sofa and some open carpeted floor.

We had previously filled out individual forms regarding our past medical history, family history and social habits like smoking. This was quite minor as we were both relatively free of medical issues. Megan verified the medications that we were taking (for me just an occasional anti-inflammatory for back pain, and Fran was taking birth control pills). Then Megan stated that she had to verify a number of important issues in the questionnaire. She said this was a more detailed process and exam because we were applying for "jumbo" policies rather than just an average policy.

She asked all sorts of questions including information about prior examinations, hospitalizations, and any tests that had been done in the past. She continued for quite a while asking about any symptoms of health problems. Finally she hesitated and said that she needed to ask a few sensitive sexual questions because of their importance in predicting certain diseases that could affect the life span. She began by directing the questioning at me.

"Dave, I understand that you are married, but have you had any homosexual contacts in the past or promiscuous sex before marriage? You should both know that we do perform HIV testing as part of the lab work that I will draw."

"No," I replied.

I must also ask about erectile dysfunction because it can be associated with diabetes and hypertension. Have you ever had problems developing an erection? Have you ever used Viagra, Cialis, or similar medications"?

"No I haven't," I replied with a slight blush.

Megan then looked at both of us and slightly apologized for asking. "Have either of you been treated for sexually transmitted diseases, genital warts, or herpes?"

We both replied no to her questions. Megan then began to question Fran briefly about her menstrual periods, and whether she did monthly breast self exams. Now normally Fran is quite calm, but I could tell that Fran was really getting tired of answering the personal questions because when she asked Fran whether she had any dysparunia (which Megan explained meant pain during intercourse), Fran got a bit flippant in her response.

"No, I like it when he is going really deep in my vagina. It makes me really wet. In fact, particularly when I am on top it can sometimes make me cum".

Megan obviously got the idea that she was going a bit too far. Finally she finished her questionnaire. She then explained that she needed to measure our height, weight, and take our blood pressure measurements. We removed our shoes and jackets and after doing some measurements and vital signs, she drew a couple tubes of blood from each of us and labeled them.

Next Megan began to talk with some authority in her voice. "I will now need to do an EKG on each of you. I will be placing electrodes on all of your extremities as well as on the left side of the chest. I think that the easiest spot to do this is with you lying on the sofa one at a time. Sometimes I can do this with just removing the clothing to the waist, but I am afraid with your pantyhose Fran, you will need to strip to your panties. You will also need to remove your bra so I can put the electrodes on your chest under your left breast. Dave, I think it will be best for you to strip to your shorts. Really, it will save time later when I have to examine you anyway."

Megan began to set up her EKG machine. I looked at Fran and our eyes met briefly with the same sense of disbelief. But after a brief pause, she simply and very calmly began undoing her red chiffon blouse. Facing me, she unzipped her skirt and stepped out of it standing in bra, pantyhose and panties. She gave me a look that made it quite clear that I needed to start stripping also. I took off my clothes until I was standing in just a pair of boxer shorts. Fran had removed the pantyhose and wore just a semitransparent low cut red bra and matching red panties. The material was quite thin and I could make out the outline of her nipples and pubic hair. The clasp of her bra was in front, and she reached between her breasts and unhooked it. She took it off and stood facing me with a slight smile while her bare C-cup size breasts were fully exposed to me. She looked at me with a slight stare and I knew that she could easily decipher my thoughts of how beautiful I thought she looked. Having always seen her clothed before I had no idea how beautiful her breasts were when she was naked. She looked down at my shorts and could see the obvious erection that I had developed.

"Fran, why don't we do you first? If you will come over to the sofa, and lie down, I will begin doing the EKG," I heard Megan say. Fran walked toward the sofa and I noticed now from the side view that her panties were actually no more than a thong with just a thin strip of red slipping between her firm buttocks. Her breasts gently bounced as she walked, and she eventually assumed the position on the couch. Megan positioned her extremities with her legs slightly spread and began sticking the electrodes on them. She then gently lifted Fran's left breast in order to put six electrode leads around the left side of her chest. While her nipples initially had looked like small pink bumps on her larger prominent areola, they were now becoming increasingly erect.

"Just lie back and relax," Megan said. "This should only take a minute."

I couldn't help but look at Fran's beautiful body as she lay before me. Gazing at her from the foot of the sofa, her body was essentially naked except for the tiny translucent triangle between her legs. Some small tufts of light brown pubic hair crept from under the edges of her thong.

It only took a minute before the EKG was completed, but while Megan removed the electrodes she asked Fran to remain lying on the sofa. "Before you get up, I will take the opportunity to listen to your heart, do a breast exam for any lumps, and check your belly," she said. Megan put on a pair of latex gloves and began to examine Fran. After listening to her heart, Megan began lightly palpating around both of Fran's breasts in gentle circles. She finished by gently squeezing each nipple to check for any discharge. Both nipples were fully erect when she completed the exam. Megan ran her hands down and over her abdomen feeling for any tenderness or masses. She also palpated in each side of her groin for any swollen lymph nodes.

"If you have had a recent GYN exam and we can get the results, then I will not do the internal vaginal exam at this time. I will need to perform a rectal exam on you in order to test you for any signs of colon cancer." Megan motioned Fran to roll to her side, pulled the tiny thong to the side, and put a lubricated finger into her rectum. I turned away to try to give her a bit of privacy.

"Okay, Dave. Why don't you switch places with Fran now and I will do your EKG and exam," Megan instructed.

Walking over to the sofa, there was no way that I could hide the fact that my penis was fully erect and distending the front of my underwear. I lay down on my back still feeling the warmth on the surface of the sofa from Fran's body. Megan began applying the electrodes, but finally she couldn't help but comment on the bulge in my pants.

"Well I guess we don't have to do much to document that you have no problem with erectile dysfunction. Don't worry Dave; I understand that your wife has a very beautiful body and that this is a rather stimulating environment. I will need to check you in a minute, so I hope that you won't be embarrassed. I work in a women's clinic so I am comfortable discussing sex, but I will admit that I don't examine men very frequently."

After the EKG, she changed gloves and listened to my heart and felt my abdomen. She then asked me to lower my shorts in order to check my lymph nodes and testes for lumps. Naturally my erect penis bobbed out and held at attention. She gently felt in the groin, had me cough while she checked for a hernia and felt each of my testicles. I looked up to see Fran smiling at me while watching the entire procedure.

"Okay, Dave. Now if you will stand and bend forward, I will be doing a rectal exam to check your prostate and stool for signs of cancer." I felt her narrow gloved and lubricated finger enter my rectum, and when it massaged my prostate, several drops of clear stringy precum began dripping from my penis. I tried to conceal wiping it away, but I know that I was seen. I looked over to see Fran watching with a smirk obviously enjoying my embarrassing situation, but maybe also something more.

"The final part before we are done is that I will need a urine sample from each of you. The company does require that this be an 'observed' collection. I am afraid to say that this is to assure that there is no chance for switching samples or deception. I am obligated to follow their rules. I understand that the restrooms are a long ways away, so I am afraid that I will just need to watch you pee in the cup in the room here. Fran, I am afraid there is not any tissue here and I noticed when I did your exam a lot of 'moisture' in the area. If you will permit me, I think the best way is to simply get a quick catheterized specimen where it will not be contaminated. I have a kit here and it will only take a second."

While Fran looked a bit shocked, but in an effort to get things over with she agreed and allowed Megan to proceed. Meanwhile, I was struggling to attempt to pee in a cup. This was extremely difficult given my erect status. Fran was instructed to slip off her thong, lie back on the sofa and spread her flexed legs widely apart. Megan opened a small kit with sterile gloves and a small flexible plastic tube. She spread Fran's labia, found her urethral opening and inserted the tip of the catheter promptly filling a small vial with urine. Eventually I was also able to squeeze some urine out for the sample.

"Well that does it. I will just get my things together quickly and let myself out. You can both get dressed now, or whatever" Megan said with a glance and a smile at my hard penis. Megan seemed to have her things together in only a matter of a minute. As she began to walk toward the door Megan softly mentioned, "My husband will probably wonder why he is getting lucky as soon as I get home, but I'll never tell him or anyone else about this exam." Fran and I began collecting our clothing but we had not yet started dressing when we heard what sounded like the outer door closing.

Standing completely naked in front of each other, it somehow no longer felt embarrassing. A magnetic attraction seemed to pull us together and we embraced with a gentle hug. I could feel her soft breasts mold into my chest and the tip of my erect penis made contact with her lower abdomen just above her pubic hair. We kissed softly at first, then again with more passion. My hands gently slid down her back to grip her soft buttocks, and I could feel the muscles tense as she leaned her pelvis forward to trap my penis between us.

"Well you have seen more intimate parts of me than I believe my 'real' husband has ever taken the opportunity to see. Megan was correct when she said that I was very 'moist' down there. If you will promise to keep this between us, I am dying to make love to you right now. I don't think I have ever been as sexually excited as I am at this very minute. When I was looking at your erection while she was probing your butt, all I could think about was it exploring some areas of my anatomy that my husband rarely or never did. You may need to check I don't have this 'dysparunia' she was talking about. Look at me talking dirty to you. You have reduced me to a wanton woman."

"Dave, I also need to tell you something about my marriage that I haven't mentioned before now. You need to know that I have been separated from my husband for over six months, and am in the middle of getting a divorce. It has had nothing to do with our relationship or work, although I have to admit that for a long time I have wished that we would become closer."

I held her close to me and gently kissed the side of her neck, then gradually moved lower. My right hand cupped her soft left breast. It was remarkably soft to touch yet full. Her areola had a crinkled quality with an erect eraser-sized nipple protruding in the center. My finger gently circled her left nipple while my lips kissed around her right breast. Taking my time, my tongue found her nipple and I gently sucked it into my mouth. After a minute, I stood back up and kissed her on the lips.