My wife’s cousin, Kate, is a forty-three-year-old single woman. She is what most men would class as a marginally attractive chubby lady, that would be an easy lay. She is 5’4” and about 140 pounds, with a roundish body shape and small boobs. Her most attractive feature is her long dark natural red hair. But she is far from an easy fuck. She is celibate and plans to remain that way until marriage. The problem is, she has not met the right man. As far as I know, she has never had a boyfriend. However, she is quite picky with men also, which partly explains why she is still single.

We have had an underlying sexual attraction to each other ever since I first met her when she was sixteen and I was twenty-seven. I had openly flirted with her over the years, knowing that she planned to remain celibate. However, she had reached an age where she was quickly running out of time to start a family, which she dearly wanted.

My wife and I are in our mid-fifties and our children have all left home and started their own lives. My wife and her cousin had been spending more time together since her cousin’s mother passed away a few years before. She is an only child and my wife is like a big sister to her. During their time together she had been turning to my wife for advice regarding men. I had been lucky enough to receive two blowjobs from Kate, thanks to my wife's suggestions.

Kate was great at giving head and really put her heart into it. Our relationship had become closer as a result, but more as friends, with less sexual tension. I expected the next single guy to experience her superior blowjob skills would marry her immediately. Heck, if I were single, I’d have married her by now!

Unbeknownst to me, Kate had given up on finding a man. She was instead thinking about having a child as a single mother. She had been researching various options such as Adoption, IVF, Sperm Donors etc.

One day my wife asked me how I felt about being a sperm donor for Kate. I was unsure at first, but I was happy to help in any way I could. Even if this meant wanking into a test tube. Kate had asked my wife about it, and she thought it was a great idea. I had heard about ladies using ‘turkey basters’ to impregnate themselves with donor sperm, and I asked my wife for more details. She told me that this wouldn't be necessary. She had decided with Kate that conventional sex was the best, being the most natural method of fertilization. They were both old school! But this put a completely new perspective on my decision! I could feel my dick twitching in my pants at the thought of fucking Kate. My immediate answer was of course, “Yes!”.

My wife went back to her cousin with the good news and we all met to discuss it. My wife and I had experienced four successful pregnancies and offered our advice. Kate thought that she would need to have sex continually until she fell pregnant, which sounded good to me! However, my wife suggested that four consecutive days, two on either side of her expected ovulation day, should be enough. If she ovulated early it would be a boy. If she ovulated late, it would be a girl. Kate wasn't that concerned about the sex of the baby. But her ovulation was only a few days away.

I got cold feet and suggested that we plan it for next month. This gave us more time to think about it. I reckoned that the missus would be over the moon about having another baby to coo over. We were not grandparents yet. I kind of liked the idea of being a father again also, albeit a surrogate one. By the time her next ovulation was due, I was confident I had made the right decision. So did my cock, which now got hard whenever I thought about it. I would go to Kate’s apartment four evenings in a row, do the deed, and return home. She offered the make dinner each evening.

I arrived the first night at 7 pm. Kate answered the door with a big smile and a kiss on the cheek. She was wearing what is commonly referred to as a ‘little black dress’. However in this case it was a rather ‘large’ black dress. It was tight at the waist and fanned out very wide to cover her large backside. I got a good look at it as I followed her into the kitchen and my cock started to twitch. But I would need to take it slow tonight, with Kate being a virgin.

I opened a bottle of wine for Kate, and got myself a beer. Dinner was ready and we sat down to eat. The conversation was general chit-chat with some talk about babies and children also. We avoided the topic of sex until after dinner when we went to sit on the lounge couch. I asked her if she had ever kissed a guy. She said she had only kissed guys when she was drunk at clubs. Most guys had tried to go further, but she had brushed them away. She said all guys just wanted sex. None were interested in dating her once finding out they couldn't fuck her until after marriage. She said she wasn't attractive enough to meet a nice guy.

I told her she was very attractive and deserved to be kissed properly. I leaned over and gave her a long sensual kiss. She melted, and whispered to me that she wanted to have sex. I told her to take her panties off. She stood up and dropped her panties. I removed my pants and underpants at the same time and sat back down. She kept her pussy covered with her dress as she sat back down. I started feeling her inner thigh. She jumped slightly when I brushed up against her pussy. But she moved her legs a bit wider each time, until I had easy access. I could feel that she had a fat pussy with chubby outer labia concealing her inner labia and clit. She also had a thick bush.

She began to moan as I rubbed her pussy and separate her lips to expose her clit. She moaned louder as I slipped one of my fingers into her moist vagina. She began to leak juice, which I spread all over her labia and clit. She shuddered as I tickled her clitoris. She leant back and opened her legs wider. I started to fuck her with my finger using a method I’d seen on the internet where you rub the upper wall of the vagina. It worked, as she had the first of two orgasms. She told me she had never orgasmed like that before. She was very sensitive. I lightly caressed her pussy until she started moaning again. I finger fucked her to another orgasm which made her squirt some juice.

She then grabbed my cock, leaned over, and started sucking it. She was sucking it vigorously, trying to get my cum. I lay back and enjoyed it for a minute, but I then told her I needed to save my semen for sex.

I stood up and led her to the bedroom. I kissed her at the end of the bed and took my shirt off. She avoided my attempt to take her dress off. I sensed that she was very self-conscious of her figure. She had a pot belly that she was trying to hide and I didn't push her. She hitched her dress up to her waist and lay down on the bed. She kept her legs together, but I saw her bush for the first time. As expected she had a dense patch of red pubic hair above her pussy. She also had a pair of big thighs to match her big arse.

I climbed onto the bed and spread her legs. I positioned the head of my cock at her vaginal opening. She was very wet from two orgasms. She had a look of trepidation on her face as I was about to take her virginity. She let out a soft moan as I entered her. She was easy enough to enter but quite tight once in. I inserted myself one inch and then withdrew. I then inserted myself two inches, and then withdrew. I then inserted myself three inches, and then withdrew, and so on. She let out a soft moan each time I pushed my cock in a bit further.

After six to seven cycles of this, my six-and-a-half-inch cock was balls-deep inside her. I held it there for several seconds and kissed her. She was still very tight. I am sure I could feel every bump in her pussy. But she was getting more relaxed with each stroke.

I started to slowly withdraw and insert my cock. Each time she took my full length, I’d pause until her moans subsided. After about ten minutes, she became more accustomed to my size. She told me it felt good. I then increased my speed.

I spread her legs wider with my hands and started lightly pounding her. She then started to moan continually. I hadn’t felt a pussy as tight as hers, since taking my wife's virginity twenty-seven years earlier. It felt so much better than what I was accustomed to. I was soon getting close to ejaculating and I asked Kate where she wanted my cum. She gasped, “Cum in me, cum in me!” between her moans.

I slowed my rhythm as I got closer to cumming, and started to pound her harder. I began to feel the head of my cock hitting her cervix with each stroke. As I started to cum, I took one last stroke and rammed my cock home as hard as I could. I held it there, and looked into her eyes, whilst I pumped several loads of cum deep into her pussy. She looked at me with an excited expression and told me she could feel the warm liquid being distributed around her womb. She kissed and thanked me.

I got up to get dressed. She asked that I put a pillow under her thighs to help with fertilisation. As I did this, I got a close look at her pussy. Some cum was glistening from between her pussy lips. Above this, was her lovely thick red bush. She could see me looking but was less self-conscious now. I told her she had a gorgeous pussy, which made her blush.

I then had a shower, got dressed and made a cup of tea for both of us. Kate had taken her dress off and was under the covers by the time I bought her tea. We chatted as we sipped. She said she had a great night. She orgasmed twice and had a pussy full of, cum.

She said, “What more could a girl ask for?”

I said, “An orgasm during sex?”

She replied that sex felt good, but it was a little bit painful. I told her that is normal for the first time, and that it would be better the following night. She told me she was looking forward to it. We kissed and said our goodbyes.

I was home by ten. My wife wanted to know the details and she wanted sex also. Unfortunately, I am not as virile as I once was and she’d normally have to wait until the morning. But I told her I needed to save all of my cum for Kate. She would have to wait four days. It was my wife's idea after all.