Bobby Jacobi was once San Francisco's finest until he lost his hand rescuing a kidnap victim. Retired and divorced he finds love and a new career working as a life insurance fraud investigator. When what appears to be a clear cut case suddenly turns suspicious, Bobby's old cop mind wakes up. The deeper he digs the stranger the case becomes, until he trusts nothing, not even himself. By the end of his search Bobby finds himself lost between the truth and what hides behind the veil of fog rolling in off the bay. There he tries to answer the question - what is the value of a man's life?