Gail put a band Aid on the injection site and Suzy pulled up her jeans. She turned to face Gail, who was readying a book of materials for her to take home to study for her exam tomorrow. Gail said “Take these books home tonight to study for your exam tomorrow. There are websites with videos reviewing the procedures you have had experience with today, as well as some very interesting procedures we did not cover. Please arrive promptly tomorrow at 8 am dressed in scrubs as if you were going to an applicant’s home.” She then escorted Suzy to the lobby and disappeared back into the office.

Suzy’s mind was racing as she thought about the embarrassing procedures she had just been put through. Then she contemplated what it would be like touching another woman’s intimate body parts, as she would have to do tomorrow. She got a faint shiver in her pussy thinking about it, but let the thought pass, and she hurried home to study.

When she got home, she dove into the study materials. It was mostly reviews of what she had endured today, with specific instructions on how to perform vaginal and rectal exams on females, and testicular and prostate exams on males. Some things in the study guide hadn’t been practiced on her, such as insertion of an anoscope or proctoscope into the rectum, and insertion of a catheter into the urethra to collect sterile urine samples. These procedures did make her curious to see how an applicant would react while having to undergo them. Suzy was confident she had absorbed as much knowledge as possible and got a good night’s sleep.

Suzy arrived at the office at 8 am sharp, and Gail was waiting for her. She took Suzy back to the “apartment”, telling her after she was inside to knock on the door, and the “test” would begin. Gail stepped inside and closed the door. Suzy waited a minute to give Gail time to get ready and knocked on the door. It took several minutes, but Gail finally answered the knock. Suzy identified herself as being from the insurance company and invited her inside. Suzy was surprised that Gail was had changed from her scrubs into business casual attire, but then thought this was purposely done to make it more difficult to examine the applicant.

Suzy relied on her teachings and went over Gail’s paperwork as instructed. She then retrieved a touchless thermometer from her bag, pointed it at Gail’s forehead, and recorded the reading of 97.9, telling Gail they would validate this reading later in the exam. Upon hearing this, Gail just gave a brief smile. Suzy had planned on having Gail disrobe as required, but realized with her clothing choice, this would be difficult. Instead, she told Gail the easiest way to perform the required exams would be for her to undress to her bra and panties. Gail blushed a bit at this, but agreed it would be best, and started to undress. Suzy watched in awe as Gail revealed her perfect 40 something body, cloaked in lacy bra and panties. She knew she was staring, but Gail didn’t seem to mind, so Suzy kept her eyes glued to her applicant. After Gail was properly undressed, Suzy had her sit at the kitchen table while the blood pressure checks were performed. Suzy asked if the cuff was too tight upon inflation, but Gail said no. The readings were normal and were recorded in the file. Suzy then got her stethoscope, telling Gail she should just breathe normally while she auscultated her chest and back, listening for abnormalities. The breathing sounded good, but Suzy realized the applicant had a heart murmur! She paused briefly but recalled her training. The study guides were clear that any abnormalities needed to be recorded in the file, and not to tell the applicant of the issue. Gail seemed to notice the hesitance of her examiner but said nothing as Suzy recorded the problem. Suzy then had Gail lie on her back and auscultated her abdomen, and also felt for a hernia, but found none. She then had Gail sit upright and proceeded to do the reflex test on the knees, which were normal.

Suzy had been dragging her feet on moving forward, as the next item was the breast exam. She blushingly explained to Gail what she needed to do, apologizing for the embarrassment, and asked her to stand in front of her. Gail just shrugged, unhooked her bra from the front, and allowed her perfect breast to spill out. Suzy had seen other girls topless before in school but had never actually touched breasts other than her own. She took a deep breath and moved to cup Gail’s firmness in her hands. The softness was incredible. These were 100% natural, and Suzy was amazed at how good it felt to caress them. She then realized she was supposed to be looking for lumps and shifted her caresses to a more clinical style. She felt Gail up with her hands over her head from both the front and the back, and then had her lean forward feeling for lumps while gravity pulled Gail’s full breasts downward into her hands. Suzy loved the feeling she got from doing the exam in this position. Finally, Suzy told Gail she could put her arms down, and everything looked good.

Suzy’s breathing became more rapid as she contemplated how to tell her applicant that the final parts of the procedure consisted of a genital and rectal exam. She tried to act cool and collected, but secretly couldn’t wait to see Gail’s body totally naked. She finally stated “To complete the exam, I need to inspect your genitals, and then your anus and rectum. Please take off your panties and lie back on the table”. Gail had a blank look on her face and replied, “Is this absolutely necessary”? Suzy assured her it was, and not to be embarrassed, telling her she sees nude applicants daily. Gail flashed a brief smile, and removed her panties, standing before Suzy totally naked. Suzy’s heart skipped a beat. Gail’s body was perfect. She couldn’t wait to touch it. She gently touched Gail on the shoulder, encouraging her to lie back. Gail remained motionless as Suzy donned a pair of exam gloves, pulled up a kitchen chair, and seated herself inches away from Gail’s pretty vagina. She gently bent Gail’s knees and pushed her legs as far apart as the table would allow, then gently laid her hands on Gail’s labia, slowly spreading her lips and gazing inside. She peeled back the clitoral hood, marveling at the organ of female pleasure. She touched it with her finger, and Gail shivered at the touch. Suzy applied KY to her finger, and smeared it all over Gail’s vagina, allowing her finger to brush the now swollen clitoris again, to which Gail responded with a moan. Suzy told Gail she was going to insert her finger to check for lumps inside her vagina, and Gail pushed farther down on the table. Suzy applied more lube to her finger, and slowly inserted it into Gail. The feeling of the vagina gripping the finger was incredible. Now Suzy realized why Gail had enjoyed doing this to her yesterday as she added another finger to Gail’s vagina, which brought moans and bucking of the hips from Gail. Taking a cue from her exam yesterday, Suzy withdrew her fingers from Gail’s vagina and wiped off the excess lube, taking care to get every last bit from the still swollen clitoris.

Suzy was a bit hesitant to perform the final part of the exam, but calmly instructed Gail to turn over and position herself on her hands and knees with her head down on the table. Gail silently complied, and Suzy gasped at the sight in front of her. Gail’s anus was pink, with the folds of her sphincter perfectly symmetrical. The sight of her so exposed like this made Suzy want to touch herself, but obviously this was not an option. Suzy explained to Gail that she was going to insert a finger through her anus into her rectum to feel for any polyps. She told her that she might feel pressure, but no pain, and that many people enjoyed the feeling of the penetration. Gail remained silent, waiting on the table with her ass in the air. Suzy changed her gloves, applied more KY to her finger, and touched the tip to Gail’s anus, slowly moving it in circles to distribute the lube. Suzy had never touched an anus before, but found herself excited at the unique texture, and proceeded to apply more pressure until her finger disappeared into Gail’s rectum, eliciting a moan. Suzy loved the feeling of her finger being gripped by the anal sphincter. It was even more intense that the muscles of the vagina, and she moved it in and out as Gail squirmed beneath her. She removed her finger and replaced it with two fingers. This had Gail moaning, so Suzy knew what to do. She rubbed Gail’s clitoris with her free hand, and immediately Gail’s anus clamped Suzy’s fingers inside as her body convulsed with orgasm. Suzy was rubbing her pussy against the corner of the table as she allowed Gail to slow her breathing and finally go limp. Suzy withdrew from Gail’s openings and wiped the excess lube off.

Suzy helped Gail up, handed her a specimen container, and escorted her to the bathroom, telling her she needed to provide a witnessed urine sample. Gail sat on the toilet, and Suzy instructed her to open her legs wide, and spread her labia so Suzy could see the urine leave the urethra and go into the container. Gail did as required, handing the cup to Suzy, and then finished into the toilet. Suzy escorted Gail back to the kitchen and instructed her to bend over the table and spread her buttocks so Suzy could collect a rectal swab. Gail assumed the position, and Suzy approached, taking a little longer than required to gaze at the target. Finally, Suzy inserted the swab to its full depth, twirled it several times, and withdrew it to a specimen container.

Gail started to stand up, but Suzy told her to remain in that position as she needed to take her rectal temperature, and then administer a booster shot. Gail complained, saying she hated shots, and asked if it could be given in the arm? Suzy told her it was required, and needed to be given in the gluteus muscle, stating it was not too painful. Suzy grabbed the digital thermometer, installed a sleeve, and inserted it into Gail’s rectum while she drew up the injection. Gail peeked at the needle and shuddered at the thought of it penetrating her flesh. Suzy removed the thermometer after it beeped and recorded the temperature. She then swabbed Gail’s right cheek with an alcohol pad. She asked if Gail was ready but without waiting for a reply, jabbed the 1 ½” needle firmly into the target with a swift motion. Gail gasped slightly, but then relaxed after she realized the worst was over. Suzy withdrew the needle, rubbed the injection site with the alcohol pad, and applied a band Aid to the wound.

Suzy told Gail she could dress, but to leave her shirt off so they could do a blood draw as the final step in the process. Gail started to dress, expecting Suzy would allow her some privacy, but this did not happen; Suzy stared at Gail as she tried to regain her dignity from what she had just experienced. Gail asked if she could put her bra back on, but Suzy insisted she remain topless, knowing those firm breasts would be brushing against her as she drew Gail’s blood. Suzy had Gail again sit at the table, with her right arm stretched out fully while she selected the proper needle and tube combination. Suzy was nervous because she had never done this before, but she had watched the video tutorial over and over, so was confident she would do ok. Gail was also nervous, knowing this was Suzy’s first time. She had endured some pain from less skilled technicians in the past. Suzy chose the largest practical needle for the task so the blood would flow quickly into the tube even though it meant more pain for the applicant. She applied a tourniquet to Gail’s arm and was surprised how the veins revealed themselves. She swabbed the site with alcohol, making sure it was dry before proceeding. She put the tip of the needle in position, pushed to pierce the skin, and inserted it to the proper depth. She glanced up at Gail’s face and was instantly aware she did not feel an undue amount of pain. Suzy collected the standard one tube of blood, withdrew the needle, and had Gail bend her arm to apply pressure while she retrieved a band aid. Suzy instructed Gail that she could fully dress, and someone from the office would be contacting her within a few days.

Gail finished dressing; again noticing that Suzy’s eyes were glued to her breasts until they were completely covered again. Gail then told Suzy she had passed the exam with flying colors, subject to some post exam follow ups. Suzy was ecstatic! She couldn’t wait to examine clients for real, actually having them do whatever she told them, no matter how embarrassing! She wondered what the follow ups were, and hoped they couldn’t cause her to fail the exam.

Then Gail dropped a bombshell, asking Suzy “I could tell you noticed my heart murmur, and you noted it in the file as required. You would have failed the exam if you had not noted it. Policy also dictates that you not discuss the problem with the applicant, but what do you do if the applicant knows that you have found something wrong”? Suzy was perplexed; this had not been discussed, and she asked Gail for clarification. Gail went on “Let’s be candid here. The examiner has immense power over the applicant. The insurance is very important to them, and they would do almost anything to get the insurance at a low risk rate. Does this make sense”? Suzy nodded, still not sure where this was going. Gail continued “If, at the end of the exam, you had told me you discovered a heart murmur, and you thought I was trying to cover it up, it would be grounds for not only rejection of the insurance, but also for criminal charges, what do you think I would be willing to do so I got the insurance and stayed out of trouble”? Suzy answered, “I guess just about anything”. Gail shook her head “Yes, just about anything. Let’s continue the training with this new scenario, shall we? Now, with a look of concern, tell me that there may be an issue with my exam results”.

Suzy was anxious to see where this was heading, so she put a serious look on her face, telling Gail “There may be a problem with your exam results. I detected a slight heart murmur, and I might have to refer you for further testing. Please tell me you were not aware of this condition”. Gail stammered in reply “Of course not. I wouldn’t have applied for insurance if I knew of a preexisting condition”. Suzy picked the game up fast and replied “I can tell you are lying. I am going to have to report this. Goodbye”. As she turned to leave, Gail rushed up to her, and, starting to cry, said “Please don’t turn me in. I need the insurance for my family. I knew if I told you about my heart murmur I would be denied. I don’t have much money, but I will do whatever you want if you just help me”. Suzy was shocked. She realized that there were desperate people out there who would do anything she asked to get this insurance. The question is, what should she ask for?

Suzy looked at Gail for answers. Gail told her “You see,0 the applicant will do most anything you ask. Most people would want money for their silence, but they do not have any money. What is your second choice? Suzy thought about this, but really could not come up with an answer that she thought Gail wanted to hear. She finally admitted she had no idea. Gail, with a devilish grin asked, “Have you ever thought about asking to be sexually serviced”? Suzy gasped. No, she had not thought about that, but then realized she had become excited examining Gail, and had fantasized about examining other patients in the nude. She finally answered Gail “I guess maybe a little”. She could feel herself becoming moist again. Where was this going?

Gail knew she had Suzy’s attention. She decided to see if she could count on her to be a willing partner in her scheme. She told Suzy “I know you enjoyed examining me. Did you have any sexual thoughts while you were doing it”? Suzy turned beet red and said yes. Gail told her they would continue the role play where they left off, and after the applicant offered to do “anything” Suzy would tell her what that would be. Gail repeated “I will do anything if you don’t turn me in. Anything”! Suzy looked at Gail, and said “Will you lick my pussy”? Gail looked at Suzy in surprise, pleased that she picked up the game so fast. She replied to Suzy “Yes, I will lick your pussy”. Gail walked over to Suzy and reached down to unsnap her jeans. Suzy looked shocked, asking “Wait, you aren’t really going to do it, are you”? Gail replied, “This could really happen to you, so I think we should practice your response”. Suzy’s heart was in her throat. She didn’t know Gail was bisexual, but had an idea, and decided to allow her to continue.

Gail tugged Suzy’s jeans down, then her panties, and pushed her onto the kitchen table on her back. Suzy couldn’t believe this was happening. She was going to let another girl lick her pussy. And then she felt the warm softness of Gail’s tongue on her slit. This was unlike any other pussy licking she had ever experienced. Gail knew exactly where to lick, and for how long, and how fast. In no time, Gail had Suzy to orgasm, tasting her juices for the first time. She promised herself it would not be the last. She pulled her head from between Suzy’s legs, and planted a French kiss on her before she could resist, letting her taste herself.

Gail adjusted herself and watched as Suzy pulled up her pants. She looked at Gail and asked, “Do you really do these things with applicants”? Gail nodded, saying it is a win-win situation for everyone, except of course, the company. Gail proceeded; “There are many variations of what you can ask the applicant to do. Personally, I usually ask them to lick my anus. It feels so good! Suzy had never had anyone lick her anus, but wondered how it would feel. Gail continued. “Sometimes I like to perform oral sex on them before I have them do it to me. Of course, sometimes a good old-fashioned fucking, either in the ass or the pussy, does the trick”. Suzy took all this in, and wondered how she was going to handle everything she had learned over the past two days.

Gail then looked at Suzy, opened the door to the hallway and said “There is one more follow up we need to address. Don, please come in”! Suzy almost fell to the floor when the best-looking man she had ever seen entered the room!