A date is a meeting of the minds - and hearts. You shouldn't have to do bad medicals all the work to keep it going and keep her entertained. If she's not holding up her end of the date, your attention and wallet are better spent elsewhere.
"Joe medicals fake you have an unpleasant body odor. Now sometimes it can be a medical condition, which is why I'm talking to you about it." It's not necessary to go into the discomfort it causes everyone else. It's obvious, otherwise he wouldn't be meeting with you. And to mention others at this point would make Joe more uncomfortable.
Apparently, his company sends its top level executives to this fancy schmancy private medical clinic for their annual check-ups. It's one of these up-medicals bad and fake-coming diagnostic centers where you spend the entire day there going through a variety of medical tests in posh surroundings. Then you sit down for a "board meeting" with the doctors at the end of the day to review your test results. As you can imagine, these places are quite popular with the "in" crowd. I like to call them the "elite diagnostic day spas"! Much pomp and circumstance!
The fact is that the low premium amounts will only give you a low policy. And it comes down to basic economics. People who tend to buy life insurance without a medical exam are among the riskiest people to be insuring. So for large policies, rates have to be correspondingly high.
"Protect this house." At Under Armour, this tag-line is used to talk about protecting the brand. I am using this line to talk about protecting "your house"-your mindset! You can filter what you listen to, what you read, whom you talk to and how you spend your time. "Protect your house" by reading great books, listening to great programs, avoiding negative people, and being very selective in how you spend your time and with whom you spend it.
You can assure yourself lower premiums through multi-policy discount by acquiring the health policy from your provider of insurance for home and automobile. You may well get better savings by shopping around. Getting cover from many insurers may prove a lot cheaper.
And what about the first kiss? Generally, a hug and a quick kiss on the cheek is a nice way to end an evening that went well. It's not too forward, so long as she appears comfortable. If you didn't feel the chemistry, that's fine. Don't make any promises - and you must resist the temptation to tell her that you will call her, when your gut dreads it. You want her to remember you as a masculine man and a gentleman, not a wimpy lying dirt-bag. Simply thank her for a nice evening and say goodnight.