It isn’t safe. That’s what Joe tells her when he ends their affair – moments before their car skids off an icy road in a snowstorm and hits a tree. Desperate to keep her life intact – Dorrie walks away, leaving her lover for dead. But now someone is calling her from his phone. Meanwhile, Joe’s wife Karen is trying to cope with grief but can’t shake the feeling that someone is watching her. And with Joe gone, she’s vulnerable and very much alone. When insurance investigator Maggie Devlin receives a claim for life insurance after a man dies on an icy road shortly after buying a lucrative life insurance policy, she gets suspicious. A former cop, Maggie knows that things are never what they seem. As the fates of these three women become entwined, layers of lies and deception begin to peel away, pushing them dangerously to the edge – closer to each other – to a terrifying truth – to a shocking end.