Wealthy criminal mastermind Jack Wolfe (Jackson) is cornered by the Feds, but you can't arrest a dead man. His plan? Fake his death, claim a $30 million insurance payout with his grieving wife Nora (Green), and frame her surfer lover Chad. But Nora, suffocated by Jack's ruthless control, has her own scheme: kill Jack for real, frame Chad, and keep the fortune for herself. Jack, always a step ahead, sets a deadly trap, turning the unsuspecting lovers against each other.