Recently my husband and I took out life insurance policies through our insurance company that handles all of our insurance needs. We both had reached the 30's mark and decided we needed to make our 2 boys' future secure should anything happen to one or both of us. We were told that we both would need a physical to prove that we had no pre-existing conditions. This was no sup rise to me as I had heard that this is sometimes required. We set up an appointment for the following week witha health clinic the company deals with.

We arrived on time at the clinic and filled out the forms requesting our general health. I figured it would be the usual weight check, B.P., and drug test. Should be no more than an hour for the both of us and we could be on our way home.

A very busty, stern looking nurse showed us to the exam room. She took the usual vital signs and weight then asked which of us would be first for the rest of the exams. My hubby smiled and pointed to me. No problem, how much more could there be to this anyway. I would soon find out that we were far from being done! The nurse took out a gown and told me to take off ALL my clothes including undergarments. I was shocked and asked why. I was briskly told that the doctor would be doing a very thorough exam required by the company. My knees turned to jelly at the thought of my hubby seeing me examined in such a way. The only other time this had occurred was when I had given birth and that is different. I asked the nurse if my husband could wait in the waiting room to which she replied that I was to quit being a baby, we were after all married.

She turned and left the room. What else was I to do except done the gown and take a seat on the table. My hubby took a chair in the corner. I didn't say a word, just prayed we could get this over with soon. The doctor entered the room. I fought to keep my composure. He was absolutely gorgeous! At least I wouldn't have to put up with a grand fatherly type doc After greeting us both he started with the basic exam things. Then I was asked to lie down so he could finish the rest. First came the breast exam. My nipples were hard and erect and it wasn't from the temp. of the room. It was from the thought of my hubby observing this. The doc poked, pushed, and prodded my breasts very gently. I was surprised to find his hands were very soft and warm. He pronounced that things looked fine and reminded me of monthly self-exams and how important they were. He turned to my hubby and told him that it was something we could both take part in.

The doctor then explained that he would need a urine sample to test for various things, but that it had to be a sterile one, did I know what that meant. My stomach churned at the thought of what he was about to do. I had experienced a catheter before and it had hurt like hell! He must have seen the frightened look in my eyes because he told me it would be over with before I knew it. Grabbing a covered tray from the other side of the room, he rolled it over to the exam table. He proceeded to put my legs in the dreaded stirrups. I looked over to see my hubby looking suddenly very interested. The doctor cleaned my most intimate area with a sterile solution and reached for the horrible looking rubber tube. I felt it enter my pee hole and immediately felt the burning, searing pain. I groaned out loud as I felt him pushing it farther up. It seemed like forever that he kept up the awful torture of my pee hole. My hubby must have sensed I needed a comforting hand because he came to my side and took my hand in his. The doc then told me he had encountered a problem. he wasn't able to get the catheter in correctly due to a blockage in the urethra, most likely scar tissue from a recent UTI. He needed to dilate it to make it wide enough to be catheterized. I lost my composure and started to cry. The doc said he sympathized with me, but it was the only way. I couldn't even look at what he picked up and my legs were shaking like crazy. He asked my hubby if he would hold them still. Great, how my hubby gets to be part of this torture, what more? Waves of pain seized my body as an object too big for such a small hole was repeatedly pushed in and out. Hubby firmly held onto my legs and told me to relax. Finally the pain was gone and I felt a small discomfort as the rubber tube slid right into where it should be. It wasn't near as bad as the first attempt.

Urine sample obtained, the doc moved on to the pelvic exam. Now I really felt embarrassed. He directed the warm bright light right to my womanly parts and proceeded to spread my outer lips. He them lightly touched and then caressed my clit. Something no gyno had ever done! He asked if I masturbated by rubbing off. My face turned a thousand shades of red and I glanced at my hubby who was still standing in view of my spread open legs. Hubby replied yes when I was unable to speak.

The doctor told me there wasn't anything to feel bad about that most women do this on a regular basis. Like I didn't already know. I just didn't want to share this with some totally good looking stranger! The doc then asked my hubby if he would like to help him bring me to orgasm by manual stimulation. Before I could object fingers were caressing my most sensitive area and my juices started to flow. waves of pleasure and not pain this time ran through my body. I couldn't help but buck my hips to reach for more. I didn't want it to stop. My moans of pleasure overtook the room and I briefly wondered if they could be heard beyond the door. But I didn't care and all the embarrassment I had been feeling left. I was in heaven! It wasn't long before my whole body shuddered with a long drawn out orgasm. Regaining my composure, it was then I noticed my hubby's huge bulge in his Levis.

The doc stated that I had good sexual response in that manner and then picked up a very large, intimidating speculum. I gasped and muttered that I never required a large in previous exams. He told me it was the only size they had at this time. My hubby was basking at the sight of me and the doc must have been able to sense this. He turned and asked hubby if he would like to insert it. Hubby donned some rubber gloves and doc proceeded to lubricate my pussy with some K-Y. He then told my hubby to slide the speculum in and open it wide. I immediately felt stretched to no end. My pussy was aching and burning from the large metal intruder. I must have cried out because the doc started rubbing my legs and told me to just relax and take it in. Hubby then returned to my side as the doc finished the exam and took the necessary samples. I could see how tight the crotch of his Levis still were. he leaned down and gave me a full open mouthed kiss. I then felt the speculum slide out leaving my pussy feeling empty. I could tell that my juices had started to flow again. The doc then proceeded to perform a rectal exam. I felt his lubed finger slide in to my tight hole and immediately clenched my butt muscles. He told me to relax and it would be much more comfortable. Then asked my hubby if we engaged in anal sex. Hubby answered truthfully yes very rarely, but yes we had. Doc explained he needed to do a more in depth exam of my rectum to make sure we had been careful and no injuries had occurred.

He reached for a different looking speculum that I had never seen before and explained he would be able to look more closely. I knew better than to object so I just nodded and kept my mouth shut. He added more K-Y to his glove and inserted not one but two of his fingers up my butt. Hubby started to rub my ass cheeks and i felt my body relax. A third finger entered and I eagerly accepted it. I could tell by the look on my hubby's face that he was almost to the point of creaming his jeans. The doc started fucking my ass with his fingers telling me I had good relaxation with receiving anal stimulation. He withdrew his fingers leaving me empty and frustrated. He slid the speculum up my butt with no problem and opened it wide. I felt some pain and groaned out loud. Taking slow deep breaths I let the doc do his job. Soon the pain was gone and I was again enjoying the feeling of something up my ass. I wanted so badly to rub my clit at this point. Then the tool was gone leaving me feeling empty and frustrated again. My pussy was creaming and I knew my face must be flushed. The doc told my hubby things looked fine, but he would really like to see him actually butt fuck me to make sure. I was not objecting this time! I had to have a dick in my ass so badly that I could have cared less if an army observed! My hubby is a very private person and I almost expected him to punch the doc at such a suggestion. Instead hubby immediately removed his Levis exposing his very large aching erection.

The doc handed him the K-Y and moved up beside me. I then reached for my clit and started to finger myself as my hubby ever so tenderly slid his cock up my ass. Waves of immediate pleasure greeted me as hubby thrust his dick into my ass time and time again. It didn't take long for him to spill his wad deep inside my bowels. My body then shuddered with an orgasm I never knew I was capable of the doc declared that we definitely had the right techniques down.

He handed some wipes to both of us and told us he would give us a few minutes to clean up and then he would be back. When he was gone and I felt I could speak, I asked hubby what got into him. He just smiled and said he couldn't resist. He gave me a very passionate kiss and told me he was proud of me. We both cleaned up and I dressed. I then noticed the other gown laying on the counter and told hubby he had better put it on . The doc returned a few minutes later and told hubby to hop up on the table. It was his turn and I could hardly wait !