When semen (cum) is ejaculated into a woman's hair and on her forehead. This can appear to be in the shape of a tiara. Similar to a pearl necklace but at the hairline of the hair /forehead rather than on the neck/chest.
Molly was scared to taste Big John's cum, so she pulled him out of her mouth at the last minute and let him give her a pearl tiara.
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Choosing to ejaculate on your partner's unusually-large forehead.
Harry: "Rihanna has such a big forehead that you could give her a Pearl Tiara."
Jack: "Then she really would need an umbrella."