From: Duchin Newsgroups: alt.sex.spanking Subject: Bottom Insurance Date: 16 Sep 1994 17:09:01 -0400 ***************************************************************** All disclaimers apply. You don't like sex/spaning stories? Then EXIT NOW! ***************************************************************** BOTTOM INSURANCE Francie was as nervous as a school girl getting ready for her first date. It was hard for her to believe that at 41 years of age, she actually consented to meeting a man she met on a computer! She pondered about what shoes to wear, what dress, hair style, make up,........oh gawd, she was nervous!! They had been corresponding for almost a year and shared an infatuation for spanking. Bare bottom over the knee spanking. She only knew him as "The Hammer" and in a few weeks Francie would be meeting him face to face for the first time! Other than her delicious spanking memories from childhood, she was not really sure that it would indeed be the turn on she imagined, as she was not what you would call an "active" connoisseur. From her computer online chats with others of this genre, she learned that an insurance policy, taken out previous to such meetings, was recommended. But how does one go about having ones buttocks insured!!??? Again, from her compatriots, she was able to ascertain, that indeed such a firm existed. A small branch of Llyods, with offices in New York, Chicago, and San Francisco, actually did cater to insuring bottoms, and other body parts, for whatever reason. Taking a deep breath, Francie made the phone call, and arranged for an appointment at the San Francisco office. Better safe than sorry, she reasoned.......who knows what might happen with a meeting with a man she never met! She sat in a comfortable arm chair, across the desk from Mr. Nairda, the branch manager of the small insurance firm. She looked around at the spartanly furnished office, as Mr. Nairda silently reviewed her application. He looked up and addressed her: "Let me see if I have all the facts as I perceive them, Miss Seska. You will be meeting a man, whom you have never met before, and the chances are almost 100% that he will take you over his knee, bare your bottom and spank you with his hands, and perhaps some implement. Followed by, no doubt, some type of sexual fulfilling act. Is that about the brunt of it?" Francie flushed with embarrassment. This man was making the erotic adventure into something.....something so....clinical. "Yes," Francie answered, not knowing how or if she should elaborate an explanation. Mr. Nairda set down the application and looked at her directly. "Well.......it is not the most unusual request we have had, and we are quite capable of issuing such a policy. Your premium will be determined after your examination," he most matter-of-factly stated. "Examination?" Francie inquired. "Yes, Miss Seska, you surely did not think we would insure such a property without an examination to determine the soundness of our investment based on any pre-existing conditions that may endanger it?" he asked and stated in one statement. "No........no, of course not," Francie replied, clearly taken aback at this new set of circumstances, and mentally objecting to reference of "property" and "investment"!! "Good!" the man settled the issue. "Miss Ginger!" he spoke into the intercom, "Would you please come in here." He smiled at Francie as the door opened and an attractive red-head entered. "Miss Ginger, please take Miss Seska to the lower level examination section and see that the actuarial team is assembled", Mr. Nairda directed his secretary. Francie followed the sensual hips out of the office, down the hall, and into the elevator. They entered a fairly large hospital type examination room, white on white on white, and very bright. Another women, in a starched white uniform dress, with the name tag "Debbie Andrews", sat behind a paperless desk. Miss Ginger handed her the forms, and Miss Andrews confirmed the appointment from her list. With clip board in hand she stood and spoke: "Miss Seska, please remove all of your clothing." Francie felt the weakness in her knees. Those "WORDS", whether spoken politely or tyrannically, sent shivers through her every pore. She loved reading stories that contained that almost beloved direction: "Take off your clothes". The story could be about a husband ordering his wife, or the secret police about to "interogate" a prisoner. It did not matter.....the phrase meant INSTANT arousal! The squirts of arousal already warmed her groin. She hesitated, waiting for at least Miss Ginger to leave, but she made no motion to do so, and it was a certainty that Miss Andrews wasn't going anywhere either! After she had removed her skirt and blouse, Miss Andrews took then, placed them on a hanger, and then into one of the white formica lockers that lined one wall. Francie peeled down her panty hose, and with a shy glance toward the pair, slipped out of her bra, pulled down and stepped out of her panties. Miss Andrews took the undergarments, placed them in a ziploc bag, and along with Francie's purse and shoes, placed everything in the locker and locked it. Francie stood nude and waited. Miss Andrews handed the clip board to Miss Ginger, activated her lapel microphone, and proceeded with the examination. "This will be a general examination, Miss Seska," Miss Andrews spoke, "not an official medical physical. More or less basically to prove that you are alive," she chided and chuckled at the same time. "Now please step up on the scale." Miss Andrews adjusted the counter weights, spoke the figure into the microphone, while Miss Ginger wrote it down. "Step down now, please, lace your fingers behind your head and part your legs shoulder width apart," Miss Andrews directed. Francie could feel her heart racing. The words reminded her of a passage from a book describing a slave auction! Men and women were stripped and standing naked in a line. Prospective buyers would walk up and down the line examining by touch each and every one. The genitals were especially subjected to lewd and prolonged fondlings. Francie shivered. Miss Andrews stood directly in front of Francie and began her dissertation: "Adult female, facial features and hair normal (as her hands lightly stroked the sides of her face), torso is proportionate to height and weight ( as the hands slid to her ribs and waist) breasts are normal and well developed (as the hands lifted and kneaded each breast) and nipples and areola consistent and symmetrical, (as the fingers rolled and pulled at the hard tips) followed by normal erection as the result of stimuli." Francie flushed at the verbal observation while the fingers still tweaked at her nipples!! Her breathing was becoming shallow and more rapid. Fingers were now pinching her belly. "Skin tone seems to be normal, with an average two inch extension. The lower abdominal region is firm (as the fingers probed below her navel) and the pubes is covered with the normal amount of pubic hair. (as a hand slid over the silky mound, pressing down firmly) Francie's breathing was more laborious and her mouth dry. Swallowing was difficult. She stared straight ahead and watched Miss Andrews kneel down in front of her!! "Female genitalia is normal (as fingers stroked her slit!) and pudenda (as the vaginal lips were gently pinched and pulled open) are thick and full and consistent for a female of this age." Miss Andrews clinically stated. "The subjects clitoris is prominently erect and protruding (as Miss Andrews rubbed and flicked at it Francie visibly shuddered) and quite sensitive to stimulation." And the tiny index finger continued to tease the tiny morsel for some several seconds more, then abruptly stopped and stood up. Francie's breasts and belly heaved noticeably as she almost panted. "Very good, Miss Seska," Miss Andrews smiled, "now over to the wheel please," as she pulled back a curtain. Francie could not believe what she was seeing! There, behind the curtain in the center of the room, was what looked like a cross between a carnival ride and a hampster wheel! Two large stainless steel hoops, clearly six feet in diameter, and separated by steel tubing of approximately three feet. The center hub was pierced by a shaft, the ends resting on a steel triangled base. "Don't looked so shocked, Miss Seska," Miss Andrews comforted, "It really is not as bad as it looks. Just climb in the center, bend over the padded bar, place your knees on the vinyl pads, and grab the bar in front." The two women guided Francie into the device and she soon found herself kneeling almost suspended, with her legs parted, and bent at the waist. Velcro straps held her firmly. Miss Andrews pressed a button and the wheel turned! She was now almost upside down with her bottom high in the air! "Just relax, Miss Seska," Andrews stated. (RELAX?!!.......RELAX WHILE I AM NAKED AND TIED UPSIDE DOWN!!!!! Francie shrieked to herself!!!) Just then the door opened and three men walked in!!!!! Francie closed her eyes at a poor attempt at hiding! "About ready for us, Debbie?" Mr. Nairda asked. "Just about, sir," she answered. "Oh....Miss Seska," Nairda began as he walked in front of the woman, "this is Mr. Benredsen and Mr. Bruce, members of our accounting and actuarial team," he smiled as the men extended their greetings. "Hello........" was all that Francie could squeak out. (WHAT THE HELL DID I GET MYSELF INTO??! THESE GUYS ARE LOOKING RIGHT UP MY ASS!!!) the thought screamed through her brain! "We are all here to determine the policy premium, through a detailed examination of your bottom," Nairda explained. "Surface quality looks good," one of them said as several pairs of hands started to roam, fondle, and knead her exposed cheeks! "Resiliency and elasticity extremely good!" another said, as her bottom was poked, pinched, and pulled about. "Very buoyant," another voice, as the lower cheeks were palmed, hefted, and bounced. Francie hung her head low, watching her own breasts jiggling as she squirmed under the exploritory hands! Her head snapped up, with eyes wide and mouth agape, as she felt her bottom being pulled open and a finger rubbing at the pucker of her anus! "Just relax, Miss Seska," Miss Andrews reflexly spoke as she saw Francie commence a bucking motion. The hands continued their quest, commenting to each other about this or that attribute. The tickling of her anus was driving her mad! She could feel her sex throbing with each touch. "OK.......shall we give it a try?" Nairda asked the group. "Fine, let's get started," the others replied. SLAP!...........SLAP!......two different hands slapped each cheek of her backside. SLAP!.........SLAP!........SLAP!.......SLAP!.......SLAP! the hands continued up and down her bottom. "Seems pretty normal, a little pink, cheeks are quivering," a voice observed. "Step it up a bit......faster and harder, if you please," Nairdah directed the other two. SLAP!...SLAP!...SLAP!!!...SLAP!!!...SLAP!!!...SLAP!!! the two hands descended much faster and much harder, as Francie gritted her teeth, trying to bear up, and will away the god awful ache pounding in her groin! "Very good," Nairda stopped the men with a held up hand, and ran his hand over the now red cheeks, sliding fingers into her crease from below and almost grazing her hanging sex lips! She shuddered and a soft moan escaped her lips, embarrassing her. "Try these now," as he handed each man a wooden hair brush. Nairda watched, somewhat mesmerized. "WHACK!.......WHACK! the brushes cracked into each cheek almost simultaneously! ".......ack......ack...ack...." a somewhat silent utterance from Francie's open mouth. WHACK! WHACK! WHACK! WHACK! WHACK! the brushes splatted against the cheeks, five on each one! Nairda held up a hand again and the men stopped. Francie was shaking........no rather vibrating........muscles twitched involuntarily in the thighs, the buttocks seem to open and close of their own volition, the eye of her anus seemed to be winking! "You may resume, but alternate between the brush and the hand," Nairda instructed. One man set down his brush and began the hand spanking anew, barely getting his hand out of the way, as the other man wielded the brush. SLAP, SLAP, SLAP, followed by the WHACKS of the brush! They commented on the bright redness. The man hand spanking, used an under handed stroke and slapped lightly, just tapping really, at her sex lips, six or seven times!!!! Each tap almost lifting her off the padded bar and into the path of the brush!! She was breathing heavily, the fire in her groin all but consumed her. She could feel the juices in her sex boiling and oozing out. Each punctuation of the brush sent an intollerable shock of arousal between her spread legs! The fire in her bottom only added to her longing. Nairda, again, gave the signal for the men to stop. He smiled mischieviously as he watched Francie try and grind her pelvic bone into the padded bar. "I say, there seems to be considerable arousal from our young lady. Please confirm, Miss Andrews," Nairda directed the technician. Debbie smiled and advanced toward Francie. She used one index finger to first slide between her cheeks and gently tickle the little bottom pucker with her nail. Francie jumped as if electrocuted! With her other hand, she reached under, parted, and inserted two fingers between the sex lips. "Very very aroused, sir" she replied while stroking the sensitive orifices. "Continue," Nairda directed. Debbie smiled again and began a positively delicious masturbation of her helpless charge. She poked, goosed, and tickled the little anal hole while at the same time sliding her fingers up and down the sopping slit, rubbing and flicking at the clit. Just as Francie reached climax, Debbie backed her fingers off and commenced a more sensual relaxing massage. She knew all the right spots!!! She took gleeful delight as Francie tried desparately to slide down on the fingers. As Francie once again reached her pinnacle, Debbie eased her finger into her anus and rapidly rubbed and flicked at the throbbing clit. Francie squeaked, moaned, and shivered as the climax raced through her. She started to sputter and spit as wave after wave of orgasmic delight pulsed intensely through her body. After what seemed like an eternity, the fingers left her and Francie fell into a more rhythmic breathing. "Thank you Miss Andrews," Nairda addressed the smiling woman. "Well gentlemen, have you observed enough to make an actuarial table for our claims and benefits department?" he added. "Yes, sir" "Yes,sir" the men responded like twins. "Very good then." Nairda dismissed them. "Miss Seska, we should have all the information necessary by the finish of business tomorrow. Our adjuster will be calling you. Good day, madam." he smiled at her, and tapped her bottom cheeks. "Good.............day.......," Francie whispered out, and winced. Francie cocked her head and watched the man leave, followed by Miss Ginger. Miss Andrews ripped apart the velcro strapping and assisted Francie, weak kneed, to a chair. As she unlocked the locker and started to hand Francie her clothes, she spoke: "You know if their premium is too high, you could try another agency." "Nooooo.....this will be fine," Francie answered, her expression vacuous. (ONE INSURANCE EXAM IS ENOUGH FOR A LIFETIME!) her final thought! ******************************************************** END