Paul Barnell (Williams), a travel agent, is in trouble. Saddled with a wife Margaret (Hunter) who claims to be struggling with Tourette syndrome and unable to convince ambitious insurance company agent Ted Waters (Ribisi) to pay off the one-million-dollar claim on his brother, Raymond (Harrelson), who has been missing for five years, Paul's debts are mounting as fast as his life is crumbling. When Paul discovers the corpse of a nameless man who ended up on the wrong side of the mob, desperation drives him to stage a grisly death scene and make it look as if his brother has suffered a horrible fate. Though the local police force is easily taken by Paul's elaborate ruse, it's going to take a little more convincing before Ted is willing to sign off on the hefty insurance payment. Add in Gary (Nelson) and Jimbo (Brown), two bumbling, rookie hitmen whose boss demands proof of the body's death, and Raymond, who is now a lowlife, it's only going to get worse for Paul, who finds the plan isn't as easy as he thought it would be.
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