**SPOILERS** Mind-bending plot that has to do with this wife abusing creep Reese Williams, Marc Singer, who's got the goods not only on his long suffering old lady Katie, Michele Green, but her hot shot attorney sister Ginny Halloran, Veronica Hamel, as well.
Being the sick and uncontrollable gambler that he is Reese has just about bankrupted himself and Katie in his exploits in Vagas and now want's to pull off a faked death, on his part, for him to hit the ultimate jackpot. All this is in order for Reese to collect five million dollars in a life insurance policy that he dreamed up for himself. Putting on an act in front his brother-in-law Charlie Halloran (Johm Ratzenberger), who was unwitting used as a witness, by staging his own death all Reese had to do now is wait for it, his accidental death, to be declared official by the courts. It's then that he'll, with the help of his wife Katie, pick up his millions and live happily ever after; or so he thought.
Like all perfect crimes this one was anything but perfect with Reese actually getting shot when he was in the process of faking his death by jumping into the Pacific Ocean while out hunting with Charlie. It's then that insurance investigators Mac & John, George Dzundza & William Katt, got on the scene to first find out if Reese was actually dead! And then if possible find Reese's body, that was supposed to be swept out to sea, to prove it.
It later becomes obvious, with him resurfacing, that Reese was actually shot but miraculous survived both bullet and ocean! But the big question in the movie is not who shot him but who didn't! It seemed that everyone in the cast had it in for Reese including****SPOILER ALERT****Katie's sister Ginny! It turns out that Ginny ****MAJOR SPOILER**** had an affair with Reese while he was in the US Army! This affair lead to Reese being dishonorably discharged from the military after spending six months in the brig. You see Ginny as well as her sister, now Reese's wife, Katie were the daughters of the late Army base camp commander Briadier General Herman McElvy: Pvt. Reese's commanding officer at the time!
Meanwhile insurance investigator John got very friendly with Katie to the point where he couldn't do his job properly. This has his partner Mac get a bit put off in John possibly screwing the company, that Mac & John worked for, out of five million big ones! The movie starts to pick up when Reese, with a bullet still lodged in his left shoulder, pops up and demands from his shocked wife Katie that she get's his money, the five million, for him from the insurance company as soon as possible if not sooner. Reese then also kidnaps both Katie and Ginny in order to keep them from talking to the police and insurance investigators. In another big surprise in the film it later turns out that Ginny ***ANOTHER MAJOR SPOILER*** secretly had Reese's, not her husbands Charlie, son Joey, Jack Dinwiddle, while he was a GI at her father's, Gen. McElvy, military base! Reese is now using that fact in order to blackmail her which lead to Ginny going along with his planned and faked death.
Reese now wanting to put an end to all this musical chairs act decides to put a bullet in the skulls of both Katie & Ginny and have his secret, that he's alive and well, die with them. This so he can collect the money, the five mill, that he worked so hard to get even willing to go so far as murder to get it.
Not that good of an ending with Reese getting everything he's got coming to him but from an unexpected source, guess who! Someone that he in fact didn't screw, like almost everyone else in the movie, only because he didn't have a chance to do it!