Four unsuspecting victims find themselves beyond "The Twilight Zone" in a twisted and altered reality: an airline passenger thinks he's lost his identity... a bored housewife thinks she's found romance... a conman thinks he's made his mark... and a hired killer thinks she's ready to retire. Unfortunately for all of them, they soon discover that there's nothing like reality to get in the way of an otherwise perfectly twisted perspective. Things are never quite that simple.

The film is a story of the ways in which insurance investigator Roland Copping interferes in and manipulates the lives of others with outrageous games and gimmicks. Eventually he becomes involved in an escalating vendetta with a couple who make an unusual insurance claim.