It isn’t safe. That’s what Joe tells Dorrie when he ends their affair --- moments before their car skids off an icy road in a blinding snowstorm and hits a tree. Desperate to keep her life intact, Dorrie will do everything she can to protect herself. Joe’s death has left his wife in free fall as well. Trying to cope with grief is devastating enough without the constant fear that someone is watching you. Insurance investigator Maggie Devlin is suspicious of the latest claim that’s landed on her desk --- a man dying on an icy road shortly after buying a lucrative life insurance policy. As the fates of these three women become more tightly entwined, layers of lies and deception begin to peel away.