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Spouse Erotica

Where Laughter, Love, and Seduction Collide

Woman in a green sweater resting her chin on her hand beside a laptop showing a man.

The Man I Like Calls Cheating His Insurance Policy

HotWife Diaries, November 2026

We were talking about our past relationships when he told me he had cheated in two of his. That was unsettling enough. Then he explained why: he had suspected the women were cheating on him, and doing it first was his way of protecting himself.

He called it insurance. I had spent a couple of weeks enjoying our conversations, laughing with him on video calls and feeling like this might go somewhere. Now I was trying to understand how the same man could make me feel so comfortable and describe betrayal as a precaution.

I’m 28; he’s 31. We’re still getting to know each other, so I’m not describing a boyfriend who has cheated on me. This was something he told me about his past. What worried me wasn’t only his history. It was the reasoning he gave: if a girlfriend started acting differently, he would assume she was seeing someone else and cheat so he wouldn’t feel foolish if he later found out.

What stopped me was the distance between suspecting something and knowing it. He wasn’t telling me about two confirmed betrayals that came before his own. He said he had a feeling. In his version, that feeling was enough to justify doing the thing he was afraid someone else might be doing.

I can understand not wanting to be the person who finds out last. Nobody wants to look back at a relationship and wonder what everyone else knew. But I couldn’t follow him from that fear to his answer. Cheating first wouldn’t tell him whether his girlfriend had been faithful. It would only mean he knew he hadn’t been.

I told him it was a turn-off. I don’t want to start something with a man while wondering whether a change in my mood could become his reason to betray me. People can be quieter or distracted for reasons that have nothing to do with another person. The possibility that I might have to prove that before he acted made the prospect of dating him feel very different.

The difficult part is that I still like him. The good conversations happened; so did the laughter. Finding out something that worries me doesn’t instantly erase the attraction, and I wish it were as simple as losing interest the moment he explained himself. Instead, I’m left holding both versions of these past few weeks.

I’m also still moving on from another relationship. I had felt ready to get to know someone, and I don’t think that feeling was false just because this conversation went badly. But it has made me wonder whether I want to keep putting my energy here, or give myself more time before trying again.

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