"Well, then," said Nurse Wilson, "let's get started."

With that, the nurse approached Jim as he sat, still fully-clothed, on the exam table. "This goes under your tongue," she said as she inserted an electronic thermometer into his mouth. She took his right hand in hers and then looked at her watch as she recorded his pulse and respiration rate. As she was recording this in Jim's chart, the thermometer beeped, signaling that it was ready to be read. She retrieved the thermometer and read it aloud, "98.7. That's normal," she said, as she recorded it in his chart.

Next, she retrieved a blood pressure cuff and began to place it around Jim's right arm. "Can you pull your sleeve up for me a bit?" she asked. Jim used his left hand to pull the sleeve of his shirt out of the way. Nurse Wilson placed the BP cuff around his arm and then placed the stethoscope in her ears. After placing the bell of the stethoscope on Jim's arm, she pumped up the air in the cuff. After a few brief moments, the blood pressure reading was complete and recorded in Jim's chart.

"We need to check your vision now, Mr. Johnson," said the nurse. "Can you please stand on that line over there?" As she spoke, she pointed to a line that had been taped to the floor. Jim got up from the exam table and stood on the mark as directed, facing an eye chart that was attached to the back of the door. "Cover your left eye, please," the nurse ordered, "and see if you can read the second line from the bottom." Jim read the random letters of the eye chart without a problem. "Good, now try it again with your right eye covered." Jim once again recited the line without any difficulty at all.

"All right. Go ahead and have a seat in that chair behind you," she ordered. "I need to get some blood now." Jim sat down in the other plastic chair while Nurse Wilson gathered several empty vials for the collection of his blood. "Hold out your arms, please. Let's see which arm we want to use," she said as she approached Jim. "Let's use your left arm. You have a nice big vein which should make this easier." She pulled the small rolling stool over to Jim and sat down directly in front of him. "Pull up your sleeve, please," she ordered as she wrapped a rubber tube around Jim's upper arm and pulled it tight. "Now make a fist, please," she commanded. She now used an alcohol wipe to sanitize his skin before inserting the syringe directly into his vein. "Breath normally, please," she reminded Jim. I watched as the blood flowed into the tube that was attached to the syringe. When it was full, she quickly switched tubes and the blood continued to flow into the second tube. "Just one more. You can relax your fist now," she said as she filled the final tube. "There you go. That wasn't too bad," she said as she removed the syringe from Jim's arm and covered it with a small piece of gauze and surgical tape.

Nurse Wilson took the vials of blood back to the counter and made some notes in Jim's chart. She stood there reviewing the paperwork for a brief moment, seemingly going through a checklist in her head and trying to decide what was next on the list. "Well, I think that's just about all we can do with you fully clothed," she said as she looked directly at Jim. "I'll step out while you disrobe," she continued. "Please remove everything, including your socks, your watch and any other jewelry you might be wearing. Are you wearing underwear today?" she asked.

"Yes, of course," Jim replied.

"You can leave that on for now," the nurse said. "Most men don't bother with a gown," she added, "but I can get one for you if you would prefer."

"That won't be necessary," Jim replied. "I hate gowns."

"All right then. Just leave the door ajar when you're ready, and I'll be back to finish the preliminary parts of your exam," said the nurse. With that, Nurse Wilson opened the door and exited the exam room, closing the door behind her.

Jim stood up from the chair and looked directly at me. "I already hate this," he said. I just smiled back at him, trying to reassure him that it would be all right.

"Don't worry, dear," I said, "it won't be too bad. And besides, you have to go through with this if you want that insurance policy. You really don't have a choice, do you?" I asked.

"No, I guess not," he replied. As he spoke, Jim began to undress. First he unbuttoned his crisp white button-down shirt and removed it.

"Let me help you with that" I said, offering to take the shirt from him. I hung it on a hook that was on the wall behind my chair. Next, he pulled the clean, white T-shirt over his head and handed it to me. Jim's muscular chest and arms were now on display before me as they were on so many occasions in our bedroom at home. Next, he sat back down in the chair and removed his shoes, placing them under the chair. After standing back up, Jim unbuckled his belt and loosened the top of his jeans. He unzipped his fly and let his jeans drop to the floor, revealing his white Calvin Klein briefs.

"Oh, nice choice of underwear today, dear," I said.

"Yeah, well, if I would have given it some thought, I probably would have worn loose boxers instead," he answered. As we talked, he stepped out of the jeans, picked them up and handed them to me.

"No, they're perfect, Jim. You look great in your briefs." I gave Jim a big grin as I spoke. I wasn't lying. He really did look good in his briefs. I really liked the way they held his package firmly in place. And you could easily see the outline of his cock and balls through the tight fabric.

Jim walked back to the exam table and climbed aboard, letting his bare legs dangle over the edge. "Aren't you forgetting something?" I asked. "She said to leave the door ajar when you're ready."

"Oh, right," Jim said. He got up, walked over to the door and ever so slightly opened it. I watched with anticipation as he took a seat back on the exam table. I enjoyed seeing Jim sit there in just his briefs, but I already wanted more. I couldn't wait to see how his examination would unfold. I secretly hoped that it would be as extensive and embarrassing as the nurse suggested.

After a short wait, there was a soft knock on the door. The nurse opened it and entered, pushing a metal cart with a small EKG machine. "All ready?" she asked as she entered the room.

"I suppose so," answered Jim.

"Well, it doesn't look like you followed all of my directions. You still have your socks on, and I also need you to remove your watch and wedding ring. I said no jewelry."

"Oh, sorry about that," Jim answered. He reached down and removed his socks without getting up. "Here, Mandy, take these, please" he said as he held them out for me. I got up and took the socks from him.

"Give me your watch and ring," I said, as I stood before him. The nurse had her back to us and wasn't watching, so I took the opportunity to gently stroke Jim's inner thigh with my fingers. He was startled by my touch and immediately looked up at me as if to ask what I was doing. I just grinned at him before rubbing my index finger across my lower lip.

"We'll start with your EKG," said Nurse Wilson. "Have you ever had one before?" she asked.

"Yes, I have," answered Jim.

"Good, then you know the drill. Please lay back on the table and relax. This won't take long at all." Jim laid down flat on the exam table while she positioned the EKG cart next to him. The nurse made fast work of attaching the contacts to Jim's arms, chest and ankles. The contacts were the kind with a self-adhesive back so she was able to quickly apply them to his skin. She then attached the appropriate wire to each contact. I was enjoying the view as she prepared him for the EKG. He was flat on his back with his legs slightly parted. From my position, I had a very nice view of the package between his legs that was being held snuggly in place by his briefs.

"All right, Mr. Johnson. Please remain still and breathe normally," ordered the nurse. With that, she switched on the EKG and began recording. The EKG appeared to be paperless, but it had a small monitor that she was watching. I, too, watched the lines dance up and down as they recorded Jim's heart beat. After 30 seconds or so, she switched off the machine.

"All done," exclaimed the nurse. She quickly disconnected the wires from my husband and pealed the adhesive contacts from his skin. She started to wheel the EKG cart toward the door. "You can sit up now. I have to return this to its proper place in case someone else needs it. But I'll be right back." As Jim sat up on the exam table, she opened the door and pushed the cart out into the hallway, closing the door firmly behind her.

I looked at Jim and smiled. "What?" he asked. "Why are you smiling at me?"

"I'm just enjoying this," I answered. "I've never watched an exam like this before, and it's exciting."

At that moment Nurse Wilson reentered the exam room, ending our conversation. She immediately made her way to the counter and reviewed the next items on Jim's chart. "It looks like we need to get some measurements now, Mr. Johnson. Can you please stand up for me?" she requested. Jim got up from the exam table and stood in the middle of the room facing me. Nurse Wilson approached him with a cloth measuring tape. "Stand up straight and hold your arms out at your sides, please," she ordered. As Jim lifted his arms, she placed the cloth tape around his upper chest. "I need to measure your chest at maximum inhalation and exhalation, so breath in and hold it," she ordered. Jim took a deep breath and held it as she recorded the measurement. "Now take another deep breath and blow it all out," she requested. Jim exhaled as she measured his chest again. "Now just breath normally," she said as she slid the cloth measuring tape down across his navel. "This is to measure your abdomen at the umbilical," the nurse said.

She returned the cloth tape to the counter and retrieved some skin fold calipers. "Let's get your skin fold measurements now," she said. She approached Jim and took several measurements, all on the right side of Jim's body: his chest, his triceps, his front thigh, his abdomen, and on his side just above his hip bone. Jim looked nervous as she quickly moved from site to site, pinching his skin and measuring it with the calipers.

"All right. Time for your height and weight," she said. "Step onto the scale, please." The scale was at the wall right next to where I was sitting. As Jim walked over to the scale, Nurse Wilson returned the calipers to their place on the counter and made some additional notes in Jim's chart. "Wait a second," she said, "It looks like your shorts need to come off before I record your weight."

"What?" Jim replied. "You've got to be kidding."

"I am sorry, but I'm completely serious," answered the nurse. "The form requests height without shoes and weight unclothed, so that's exactly how it must be done."

"But my shorts can't possibly weigh that much," Jim protested. "Can't you just compensate for them?"

"As I already said, Mr. Johnson, we follow the forms that we receive from each insurance company -- to the letter. So I'm not really allowed to compensate for anything." Jim just stood there shaking his head. "If it makes you feel any better, Mr. Johnson, your shorts will need to be removed soon anyway, so you're only removing them a few minutes early."

Jim knew that he was going to lose this battle, so he turned toward me, pulled down his briefs and stepped out of them. He handed them to me as he stepped up on the scale. Nurse Wilson walked over to the scale to record Jim's weight. He was facing the wall with his now nude backside facing the nurse. Since the scale was right next to me, I had a very nice profile view of Jim. Even from the side, his penis and testicles could be clearly seen hanging from the front of his nude body. "Now, turn around and stand up straight for me," she ordered. Jim turned around and faced the nurse for the first time since his briefs were removed. She adjusted the measuring rod that was mounted at the back of the scale to record his height. She didn't make a point of staring at his genitals, but I did notice her quickly glance down at Jim and then turn to me and smile as if she approved of what she saw.

"You can step off the scale, Mr. Johnson," she said as she walked back to the counter to record his measurements. Jim retrieved his briefs from me and started to put them back on before the nurse noticed what he was doing. "Don't get dressed yet. I still need your shorts off," she ordered. "As you might expect, your insurance company requires a urine specimen," she explained. "But the form stipulates that it must be an observed sample. Have you ever given an observed sample before, Mr. Johnson?" she asked. Jim just shook his head no.

She continued, "What that means is that I must first ensure that you do not have any type of substitute sample concealed on your body, and then I must actually observe you as the sample is provided." I giggled when I heard that bit of news. I just couldn't help myself.

"Mandy, it's not funny," Jim said as he turned to me.

"I'm sorry," I responded.

I now addressed myself to the nurse, "Do you mean that you actually have to stay here and watch him pee?"

"Yes, that's correct, Mrs. Johnson," she replied.

As she was talking, she was writing Jim's name on a plastic specimen cup. "Please stand over there," she said, pointing to the middle of the room just a few feet in front of me. The nurse now retrieved two pink exam gloves from a box on the counter and proceeded to pull one onto each hand. It was beginning to look like Jim was about to receive some type of inspection prior to his urine specimen.

"This is just a formality, Mr. Johnson. It's part of the protocol that must be followed for observed collections," she said. "Please place your legs shoulder-width apart and put your hands on top of your head, palms up," she ordered as she approached him.

Jim was facing her and had his back to me and reluctantly complied with her order, shuffling his feet wider apart and moving his hands to the top of his head. She began her inspection by examining his hands, lifting up each hand to ensure that Jim wasn't concealing anything before placing it back on top of his head. She then squatted down in front of him and quickly moved her hands around his genitals and inner thighs. Since I was behind him, I couldn't see exactly what she was doing, but I could see her hands move between his widely parted legs.

"Turn around, please," she ordered. "Keep your hands on top of your head." Jim turned around and now faced me. "Bend your left leg, please," she ordered. Jim now bent his left leg at the knee, raising his foot for her to inspect. "Good. Now the right," she said. Jim repeated the move with his right leg. "Good. Now, bend over and touch the floor, please," she ordered. Jim bent over and reached for the ground, giving Nurse Wilson what was surly a fine view of his exposed ass. I watched as her hands quickly brushed against his cheeks to complete her inspection.

"All right, Mr. Johnson," she said, "follow me to the toilet."

As Jim stood up, he briefly looked at me and shook his head in disbelief. I could tell that he was not happy at this point. But more importantly, I was enjoying every minute of this. They both now walked to the far end of the exam room and stood in front of the toilet. "Here you go," she said as she handed him the plastic cup. "Please start your stream in the toilet and then fill the cup."

Jim took a position in front of the toilet while Nurse Wilson moved a few feet to the left and watched. Jim held the plastic cup in his left hand and used his right hand to hold his penis. After about a minute of waiting, a stream of urine started to flow from his penis. He quickly moved the cup under his stream to catch the sample. When he finished, Jim handed the cup to the nurse. "Go ahead and dry yourself off," she said, "you wouldn't want to dribble." Jim took a small piece of toilet paper and used it to blot the last few drops of urine from the tip of his penis. After placing a cover on the plastic cup, she opened a small metal door that was in the wall and placed the sample inside. She then removed her exam gloves and made some additional notes in Jim's chart.

"I think that's it for now," she said. "Nurse Goodell will be in shortly to complete your examination. You can go ahead and put your shorts back on while you're waiting."

As she walked toward the door and exited the room, Jim walked over to me to retrieve his briefs. "Why not just leave them off?" I said to Jim. "I think you'll just end up taking them off again."

"Because I don't want to wait here in the nude, and I don't want to meet this Nurse Goodell like this," he answered, "even if you are enjoying this." Jim stepped into his briefs and pulled them up, once again covering his ample package in the clean white cloth. He walked back to the exam table and took a seat on top of it. As he sat down, I got up and approached him. Standing directly in front of him, I placed my hands on his knees, leaned in to him and gave him a passionate open-mouthed kiss.

"What's that for?" he asked when the kiss had ended. "That's just to thank you. Thank you for letting me be here," I replied. "I'm really enjoying this so far." As I spoke, I slipped my right hand between his parted legs and cradled his package with my fingers. "And I can't wait to see what she does with these," I said as I fondled and lifted his testicles with my fingers.

"Stop it, Mandy," said Jim. "I really don't need any extra stimulation right now."