After the unexpected passing of her husband, Joyce finds out he was unfaithful - and that his life insurance plan was for some sort of "replacement program" instead of a check. Angry at her dead husband, she decides to give it a shot, and accepts the new husband from the insurance company. They quickly bond, but the next morning he's gone-- the insurance agent failed to notice that Joyce's ex hadn't been making his payments. Joyce sets off to search for her replacement husband, but uncovers the enormity and oddity of the company, finding more than just her replacement husband.