I refused oral again, is that seen as an insult?

A guy is likely to look at it as something she will respond well to, because he knows that he isn't asking for intercourse . And if he's used to getting a yes when he offers, he naturally expected you to respond well also .
Whether to say he was insulted isn't clear, but he probably doesn't feel insulted . He might be smart enough to know that you are being careful .

I wouldn't feel insulted about it. Me and my girlfriend were having sex for about 6 months before she let me go down. If he's a good guy he'll know that its an area that some girls aren't too comfortable with.

To answer your question I don't think it's taken as insult, more of a "who the hell wouldn't want this?" Also, I like going down on a chick because I know she likes it. It makes me feel good that she's feeling good, and I'd like the favor returned. Heading south is also a natural thing for humans to do, both guys and girls, at least according to the book "the guide to getting it on". Read it a while ago, but it read somewhere along the lines of "guys will have a strong urge to to kiss and taste the genitals of his female partner" or something like that. Don't take major offense to it either as he's just trying to please you. Anyhow, do what makes you happy and don't let anyone tell you otherwise.

Now I've given you some advice and my opinions because I have asked a question and would like the same back, and to get, you must give. My Topic (s) have gotten little responses and I would really like to get a decent amount of opinions and thoughts from both sexes, so if you would be so kind as to now give me your words of wisdom I would be greatly appreciative. The topic (s) are tittled "Should I contact my X lover" which is what I wrote first, then Since I couldn't bump it, I wrote a shortened version titled "Should I contact her" either would be fine. They are in the relationships section. Thanks.

You hooked up with him twice but won't give oral, I'd be insulted if it were me.

I don't think it's insulting. It's your body, you don't have to let some guy do that to you. Some guys might find you respecting yourself more attractive. And in some cases, holding out kinda keeps a guy interested because it makes them wonder. They might try to do it more, but the more you say no the more you keep them guessing.

Regardless of what position or act you're talking about, your sexual partner needs to respect your boundaries. If you're not comfortable getting oral from him yet, then he needs to honor that boundary, no matter how attracted he may be to you or you to him.