A woman whose lover died moments after ending their affair, the man's grief-stricken wife, and a suspicious insurance investigator collide in the face of deceptions that threaten all of their lives.

Joe ends his affair with Dorrie just moments before their car skids off an icy road in a blinding snowstorm and hits a tree. Desperate to keep her life intact, she walks away from the wreckage... and now someone is calling on her dead lover's burner phone.... Karen knew her husband Joe was cheating, but now she has a fear that someone is watching her... is she paranoid? Insurance investigator Maggie Devlin is suspicious-- Joe died shortly after buying a lucrative life insurance policy... and she doesn't believe in coincidences. Layers of deception bring the women closer to each other... and to a terrifying truth....