Tony LaTour, a local bookie and second-rate gambler who is waiting for the big win, finds himself in debt to the Mafia. An old high school acquaintance and classmate, Bradley Clevenger, is starting a new career selling life insurance and their paths are about to cross.

Without his knowledge, Ricky Alexander, another classmate, has a life insurance policy written up naming Tony as the Primary Beneficiary. Before the ink is even dry on the paperwork, Ricky is dead and Tony has his hand out wanting the insurance money payoff.

But Tony is in for a big surprise when he discovers...